My name is RJ Kluck, and I am a 21-year-old high school graduate of 2021. I completed my high school education through homeschooling and currently, I am an undergraduate student at the University of Wisconsin-Stevens Point. Participating in higher education prepares ambitious people for the workforce by gaining deeper knowledge and practical real-life experience. One of my primary reasons for pursuing college is to gain valuable experiences as a young person that will set the foundation for greater opportunities in my future adult life. Growing up on a small farm in central Wisconsin made me dream about going to college while pursuing things that are greater than myself. While my ultimate dream is to own a business one day, my current focus revolves around creating a strong foundation of financial literacy as a young person. Serving as an active member in my community has taught me valuable lessons about contributing to society while leaving an indelible mark on the lives of others. In my young adult life, participating in community events allowed me to expand my network while giving back to others. Thanks to my mentors exemplifying these simple acts of kindness to follow, I learned how to selflessly serve and uplift others. I was constantly guided by strong morals as a Christian and because of Jesus' example in the bible, I devoted my time unconditionally to others, keeping His example of love close to my heart. After a year of Scouting as a high school student, I gained confidence and determination to do more. I felt partially unfulfilled with a desire to pursue service beyond my shell of comfort. My fortunate networking led me to Camp Hope, Riverside Bible Camp, and People's State Bank where through these organizations, I discovered unique ways to serve while enhancing my morals and values. Camp Hope is a grievance camp where I learned how to provide emotional support to those who lost loved ones in their life. Oftentimes, the attendees were young kids who lost a parent less than a year before camp. Riverside Bible Camp is where I enjoyed cabin leading for kids who wanted a fun summer to enjoy camp activities while learning more about their faith. I not only learned more about my faith, but I was invited to learn more about other Christian denominations alike. People's State Bank is where I experienced the greatest expansion of networking through meeting business owners, enthusiastic bankers, and executives who offered volunteer opportunities through the bank. All three opportunities are still pivotal parts of my life today and will continue to enable my greatest character traits. The reason I cherish my character today is because of the service I provided to my friends, family, and community early on. The numerous opportunities I had to share fellowship with people while providing community service helped instill me with abilities including selflessness, empathy, and compassion. Not only did community service opportune personal growth, but it also offered unique perspectives revealing the struggles and needs that people have in society. My final lesson from becoming a servant leader was the journey it takes to create purpose for everything I do. Serving others exposed how limited my time is in life. A week offers a crucial amount of time to work for yourself, serve others, and serve God. My experience as a young adult taught me how to prioritize what means most to me while trying to glorify God in everything I do. The purpose I acknowledge in the service I dedicate to others will continue to fuel my ambition to be generous and productive in society. Attending Northcentral Technical College not only broadened my career aspirations but also equipped me with the necessary tools to enhance my character. I completed my technical degree in business management in 2023 and was accepted at the University of Wisconsin-Stevens Point with 73 transferrable credits. At UWSP, I will participate in financial and entrepreneurial Pro Events which will help me develop leadership abilities while serving my community before graduating. To advance, I will continue working part-time as a Personal Banker during my university career. This will actively apply my knowledge while contributing to real-world situations. After I graduate, I envision returning to my hometown and beginning my career path by seeking an administrative position in the insurance industry to gain financial stability through benefits and then I will later pursue a position related to finance and advising. After I achieve financial stability, I will officially pursue employment that holds political aspects. I hope my potential civic endeavors will influence the consideration of ideas that will engage my community in activities that reflect moral and ethical values. Starting now, I will apply for more scholarships, prepare for my future classes, and continue to serve in my community. My community service will continue in Scouting, Riverside Bible Camp, Camp Hope, St. Ladislaus Parish, the Bevent Lions Club, and People's State Bank which all will continue playing pivotal roles in my life. My upbringing and community service serve as a testimony. My testimony describes one thing that I find great success in - my character. As my dreams become reality, my never-ending goal remains the same - to honor God in everything I do. The Jennifer and Rob Tower Memorial Scholarship will help me not only acquire an educational credential but also increase my outreach to my community. My personal finances are not just about watching balances grow; they are a crucial part of creating healthy balances in life. I will learn more about personal finance, personal management, counseling, and mentoring. I aspire to prepare people with financial tools to nourish their futures while strengthening morals and values. The Jennifer and Rob Tower Memorial Scholarship will be instrumental in helping me achieve this vision. Thank you, Jennifer and Rob Tower Memorial Scholarship Committee, for offering these scholarship opportunities to students like me. "Leave this world a little better than you found it." –Robert Baden Powell

Hello! My name is RJ Kluck, and I am a business administration student. As someone who is dedicated to serving others, I must address the issue of poor financial literacy. Society proves that people often struggle to manage their finances, leading to stress and anxiety diminishing the potential for joy in life. I was blessed to be raised by parents who stressed the importance of frugal living and saving for the future. Unfortunately, many people had an opposite experience. Poor financial literacy is a sensitive topic to me since I have witnessed society lack the knowledge and skills necessary to utilize wise financial habits. My beloved friends habitually open doors that turn into difficult lessons like overwhelming debt, insecurity, broken promises, and inevitable stress. I am determined to become a vocal point to help reduce financial stress in my community. Attending Northcentral Technical College not only broadened my career aspirations but also equipped me with the necessary tools to enhance my character. I completed my technical degree in business management in 2023 and was accepted at the University of Wisconsin-Stevens Point with 73 transferrable credits. At UWSP, I will participate in financial and entrepreneurial Pro Events which will help me develop leadership abilities while serving my community before graduating. To advance, I will continue working part-time as a Personal Banker during my university career. This will actively apply my knowledge while contributing to real-world situations. After I graduate, I envision returning to my hometown and beginning my career path by seeking an administrative position in the insurance industry to gain financial stability through benefits and then I will later pursue a position related to finance and advising. After I achieve financial stability, I will officially pursue employment that holds political aspects. I hope my potential civic endeavors will influence the consideration of ideas that will engage my community in activities that reflect moral and ethical values. Starting now, I will apply for more scholarships, prepare for my future classes, and continue to serve in my community. My service is dedicated to Scouting, Riverside Bible Camp, Camp Hope, St. Ladislaus Parish, the Bevent Lions Club, and People's State Bank which all have played pivotal roles in my life. My upbringing and community service serve as a testimony. My testimony describes one thing that I find great success in - my character. As my dreams become reality, my never-ending goal remains the same - to honor God in everything I do. The Sturz Legacy Scholarship will help me not only acquire an educational credential, but also increase my outreach to struggling Americans. Personal finances are not just about watching balances grow; they are a crucial part of creating healthy balances in life. I will learn more about personal finance, personal management, counseling, and mentoring. I aspire to prepare people with financial tools to nourish their futures while strengthening morals and values. The Sturz Legacy Scholarship will be instrumental in helping me achieve this vision. In conclusion, achieving stronger financial literacy in my community is a daunting issue that requires passionate and persuasive young people to “walk the talk.” The Sturz Legacy Scholarship will help increase my confidence so I can make a tangible difference in the lives of those around me. I am excited to use my knowledge and skills to advocate for financial literacy, support my future family, and help my community achieve a way of living that glorifies God in everything they do. Thank you, Sturz Legacy Scholarship committee, for listening to my story and good luck to all the scholarship candidates.

Hello! My name is RJ Kluck, and I am a business administration student. As someone who is dedicated to serving others, I must address the issue of poor financial literacy. Society proves that many people struggle to manage their finances, leading to stress and anxiety diminishing the potential for joy in life. I was blessed to be raised by parents who stressed the importance of frugal living and saving for the future. Unfortunately, many people had an opposite experience. This problem is particularly sensitive to me since I have witnessed society lack the knowledge and skills necessary to utilize wise financial habits, opening the door for difficult lessons like overwhelming debt, insecurity, broken promises, and inevitable stress. I am determined to do my part in improving societal financial literacy for the sake of working-class people. Northcentral Technical College was where I failed classes for the first time. My failure was not because of the rigor of the academics, but because of my lack of prioritization. After I learned how to balance my lifestyle, I broadened my career aspirations and cultivated my character. I completed my technical degree in business management in 2023 and was accepted at the University of Wisconsin-Stevens Point with 73 transferrable credits. At UWSP, I will participate in financial and entrepreneurial Pro Events which will help me develop leadership abilities while serving my community before graduating. I will actively apply my knowledge while contributing to real-world situations during my university career by working as a Personal Banker. After I graduate, I envision returning to my hometown and beginning my career path by seeking an administrative or financial position in the insurance industry. After I am financially stable, I will pursue employment that holds political aspects. I hope my potential civic endeavors will influence the consideration of ideas that will engage my community in activities that reflect moral and ethical values. Moving forward, I will apply for more scholarships, prepare for my future classes, and continue to serve in my community. My service is dedicated to Scouting, Riverside Bible Camp, Camp Hope, St. Ladislaus Parish, the Bevent Lions Club, and People's State Bank which all have played pivotal roles in my life. My upbringing and community service serve as a testimony. My testimony describes one thing that I find great success in - my character. As my dreams become reality, my never-ending goal remains the same - to honor God in everything I do. The Dream Valley Landscaping Scholarship will assist my endeavors in academics to not only achieve an educational credential, but also enhance my outreach to struggling Americans. Personal finances are not just about watching balances grow; they are a crucial part of creating healthy balances in life. I will learn more about personal finance, personal management, counseling, and mentoring. I aspire to prepare people with financial tools to nourish their futures while strengthening morals and values. The Dream Valley Landscaping Scholarship will be instrumental in helping me achieve this vision. In conclusion, achieving stronger financial literacy in my community is a daunting issue that requires passionate and persuasive young people to “walk the talk.” The Dream Valley Landscaping Scholarship will help increase my confidence so I can make a tangible difference in the lives of those around me. I am excited to use my knowledge and skills to advocate for financial literacy, support my future family, and help my community achieve a way of living that glorifies God in everything they do. Thank you, Dream Valley Landscaping Scholarship committee, for listening to my story and good luck to all the scholarship candidates.

Hello! My name is RJ Kluck, and I am a business administration student. As someone who is dedicated to serving others, I must address the issue of poor financial literacy. Society proves that people often struggle to manage their finances, leading to stress and anxiety diminishing the potential for joy in life. I was blessed to be raised by parents who stressed the importance of frugal living and saving for the future. Unfortunately, many people had an opposite experience. Poor financial literacy is a sensitive topic to me since I have witnessed society lack the knowledge and skills necessary to utilize wise financial habits. My beloved friends habitually open doors that turn into difficult lessons like overwhelming debt, insecurity, broken promises, and inevitable stress. I am determined to become a vocal point to help reduce financial stress in my community. Attending Northcentral Technical College not only broadened my career aspirations but also equipped me with the necessary tools to enhance my character. I completed my technical degree in business management in 2023 and was accepted at the University of Wisconsin-Stevens Point with 73 transferrable credits. At UWSP, I will participate in financial and entrepreneurial Pro Events which will help me develop leadership abilities while serving my community before graduating. To advance, I will continue working part-time as a Personal Banker during my university career. This will actively apply my knowledge while contributing to real-world situations. After I graduate, I envision returning to my hometown and beginning my career path by seeking an administrative position in the insurance industry to gain financial stability through benefits and then I will later pursue a position related to finance and advising. After I achieve financial stability, I will officially pursue employment that holds political aspects. I hope my potential civic endeavors will influence the consideration of ideas that will engage my community in activities that reflect moral and ethical values. Starting now, I will apply for more scholarships, prepare for my future classes, and continue to serve in my community. My service is dedicated to Scouting, Riverside Bible Camp, Camp Hope, St. Ladislaus Parish, the Bevent Lions Club, and People's State Bank which all have played pivotal roles in my life. My upbringing and community service serve as a testimony. My testimony describes one thing that I find great success in - my character. As my dreams become reality, my never-ending goal remains the same - to honor God in everything I do. The Kumar Family Scholarship will help me not only acquire an educational credential, but also increase my outreach to struggling Americans. Personal finances are not just about watching balances grow; they are a crucial part of creating healthy balances in life. I will learn more about personal finance, personal management, counseling, and mentoring. I aspire to prepare people with financial tools to nourish their futures while strengthening morals and values. The Kumar Family Scholarship will be instrumental in helping me achieve this vision. In conclusion, achieving stronger financial literacy in my community is a daunting issue that requires passionate and persuasive young people to “walk the talk.” The Kumar Family Scholarship will help increase my confidence so I can make a tangible difference in the lives of those around me. I am excited to use my knowledge and skills to advocate for financial literacy, support my future family, and help my community achieve a way of living that glorifies God in everything they do. Thank you, Kumar Family Scholarship committee, for listening to my story and good luck to all the scholarship candidates.

Participating in higher education prepares ambitious people for the workforce by gaining deeper knowledge and practical real-life experience. Growing up on a small farm in central Wisconsin made me dream about going to college and pursuing things that are greater than myself. I hope to gain valuable experiences in college that will inspire greater opportunities in my adult life. While my ultimate dream is to own a business one day, my current focus revolves around creating a strong foundation of financial literacy as a young person. My sophomore year of high school was when I began studying at Northcentral Technical College. NTC not only broadened my career horizons but also equipped me with the necessary tools to enhance my core beliefs. I completed my two-year degree in business management in December of 2023 and was accepted at the University of Wisconsin-Stevens Point to attempt the four-year business administration degree with 73 transferrable credits. To enhance my university experience, I will continue working at People's State Bank as a Personal Banker during my time in school. This will actively apply my academic knowledge while contributing to real-world situations. At the end of my university experience, I envision returning to my hometown and beginning my career path by seeking an administrative position in the insurance industry to gain financial stability and reasonable benefits and then I will later pursue a position related to finance and advising. By applying the skills acquired through my educational and professional background, I will strive to make an impact in my community. I believe the potential I have to serve my community qualifies me for this scholarship more than my characteristics do. As I gain experience and financial stability, I will pursue employment that holds political aspects. I hope my potential civic endeavors will influence the consideration of ideas that will engage my community in activities that reflect moral and ethical values. My proactive steps in this journey include progressively building my career at People's State Bank, qualifying and applying for more scholarships, mentally preparing for my future classes, and continuing to serve in my community which will enhance my morals and values while consistently supporting the people around me. As for community service, I will continue serving in Scouts BSA, Riverside Bible Camp, Camp Hope, St. Ladislaus Parish, the Bevent Lions Club, and People's State Bank which all have played pivotal roles in my life while I developed my character. As my dreams become reality, my never-ending goal remains the same - to honor God in everything I do. Guided by my faith, I am committed to fostering a sense of unity, compassion, and understanding to those around me. The Pushing Our Scholars Forward Scholarship would help me achieve financial stability enhancing my ability to serve others. I strongly believe that love, kindness, and empathy have the power to create a ripple effect, positively impacting the lives of individuals and communities. As for my career, I strive to exemplify these principles while contributing to society. To everyone who heard my story and the donors who may support me, thank you for your consideration.

I put God at the center of my heart throughout my entire life, especially during moments of doubt. Growing up in central Wisconsin, I was fortunate to have a supportive family and access to essential resources as I journeyed through my early years. Living in a rural setting, working on a small farm and attending school, I developed a deep aspiration for exploration, no matter how small in scale. I always aimed to complete my schoolwork as quickly as possible, giving me more time to venture out and immerse myself in nature, getting my hands dirty as I roamed the woods. As I reached middle school, I experienced unique "ah-ha" moments that revealed the preciousness of life. It was during this time that I discovered my faith, which I have relied on ever since. The profound influence of my faith has shaped my character, decision-making, and overall perspective on life, and I firmly believe it will continue to do so as I move forward. My faith in God began in 2011 when God brought my little sister into the world. I was eight years old. I had a deep desire to care for her, show her the wonders of adventure and maybe the little "spots" I would explore in the woods. Since I had simple hobbies and a deep appreciation for the smaller things in life, having a little sister was mind-blowing to me – witnessing a precious human relying on the tender love of our family. Oblivious to my older brother and me, my parents refrained from sharing the news of her health condition. We were blessed to spend a brief ten hours with her before God called her to safety in Heaven. I have never presented my family's experience as a "pity-me" story, but I have always been willing to share it when someone expressed interest in my testimony. It was not until later in middle school that the significance of my little sister truly hit me. I struggled to fathom how fast her life had passed, but eventually, I realized that it was not an end, but the beginning of an everlasting miracle. To this day, as her older brother, I strive to achieve remarkable goals in honor of her legacy, knowing that I can never truly measure up to what she accomplished in her short life. Her presence successfully inspired my family to pursue acts of faith and pursue ambitious goals. Influencing and persuading someone to make a difference is never an easy task, yet she achieved it overnight. Attending events organized by my church and local Christian groups exposed me to the world of evangelization, teaching me the power of vulnerability. It was through this journey that I developed a spiritually fulfilling relationship with Jesus, committing to inspire others as my sister had inspired me. God has always been at the center of my life, but during this period, He deeply impacted my consciousness, transforming my ego into compassion. My faith has given me strength, guidance, and determination during both challenging and easy times. My faith has empowered me to navigate obstacles, make ethical choices, and cultivate meaningful relationships. As I embrace the changes unfolding in my life and journey towards building a career, I am confident that my faith will continue to inspire and fortify me. It will serve as a constant reminder to remain steadfast, enabling me to overcome adversities and approach my professional endeavors with integrity, compassion, and purpose. Thank you to all who have read my story, and to the donors who may support my journey.

Hello! My name is RJ Kluck, and I am a business administration student. As someone who is dedicated to serving others, I must address the issue of poor financial literacy. Society proves that people often struggle to manage their finances, leading to stress and anxiety diminishing the potential for joy in life. I was blessed to be raised by parents who stressed the importance of frugal living and saving for the future. Unfortunately, many people had an opposite experience. Poor financial literacy is a sensitive topic to me since I have witnessed society lack the knowledge and skills necessary to utilize wise financial habits. My beloved friends habitually open doors that turn into difficult lessons like overwhelming debt, insecurity, broken promises, and inevitable stress. I am determined to become a vocal point to help reduce financial stress in my community. Attending Northcentral Technical College not only broadened my career aspirations but also equipped me with the necessary tools to enhance my character. I completed my technical degree in business management in 2023 and was accepted at the University of Wisconsin-Stevens Point with 73 transferrable credits. At UWSP, I will participate in financial and entrepreneurial Pro Events which will help me develop leadership abilities while serving my community before graduating. To advance, I will continue working part-time as a Personal Banker during my university career. This will actively apply my knowledge while contributing to real-world situations. After I graduate, I envision returning to my hometown and beginning my career path by seeking an administrative position in the insurance industry to gain financial stability through benefits and then I will later pursue a position related to finance and advising. After I achieve financial stability, I will officially pursue employment that holds political aspects. I hope my potential civic endeavors will influence the consideration of ideas that will engage my community in activities that reflect moral and ethical values. Starting now, I will apply for more scholarships, prepare for my future classes, and continue to serve in my community. My service is dedicated to Scouting, Riverside Bible Camp, Camp Hope, St. Ladislaus Parish, the Bevent Lions Club, and People's State Bank which all have played pivotal roles in my life. My upbringing and community service serve as a testimony. My testimony describes one thing that I find great success in - my character. As my dreams become reality, my never-ending goal remains the same - to honor God in everything I do. The Emma Jane Hastie Scholarship will help me not only acquire an educational credential, but also increase my outreach to struggling Americans. Personal finances are not just about watching balances grow; they are a crucial part of creating healthy balances in life. I will learn more about personal finance, personal management, counseling, and mentoring. I aspire to prepare people with financial tools to nourish their futures while strengthening morals and values. The Emma Jane Hastie Scholarship will be instrumental in helping me achieve this vision. In conclusion, achieving stronger financial literacy in my community is a daunting issue that requires passionate and persuasive young people to “walk the talk.” The Emma Jane Hastie Scholarship will help increase my confidence so I can make a tangible difference in the lives of those around me. I am excited to use my knowledge and skills to advocate for financial literacy, support my future family, and help my community achieve a way of living that glorifies God in everything they do. Thank you, Emma Jane Hastie Scholarship committee, for listening to my story and good luck to all the scholarship candidates.

Hello! My name is RJ Kluck, and I am a business administration student. As someone who is dedicated to serving others, I must address the issue of poor financial literacy. Society proves that people often struggle to manage their finances, leading to stress and anxiety diminishing the potential for joy in life. I was blessed to be raised by parents who stressed the importance of frugal living and saving for the future. Unfortunately, many people had an opposite experience. Poor financial literacy is a sensitive topic to me since I have witnessed society lack the knowledge and skills necessary to utilize wise financial habits. My beloved friends habitually open doors that turn into difficult lessons like overwhelming debt, insecurity, broken promises, and inevitable stress. I am determined to become a vocal point to help reduce financial stress in my community. Attending Northcentral Technical College not only broadened my career aspirations but also equipped me with the necessary tools to enhance my character. I completed my technical degree in business management in 2023 and was accepted at the University of Wisconsin-Stevens Point with 73 transferrable credits. At UWSP, I will participate in financial and entrepreneurial Pro Events which will help me develop leadership abilities while serving my community before graduating. To advance, I will continue working part-time as a Personal Banker during my university career. This will actively apply my knowledge while contributing to real-world situations. After I graduate, I envision returning to my hometown and beginning my career path by seeking an administrative position in the insurance industry to gain financial stability through benefits and then I will later pursue a position related to finance and advising. After I achieve financial stability, I will officially pursue employment that holds political aspects. I hope my potential civic endeavors will influence the consideration of ideas that will engage my community in activities that reflect moral and ethical values. Starting now, I will apply for more scholarships, prepare for my future classes, and continue to serve in my community. My service is dedicated to Scouting, Riverside Bible Camp, Camp Hope, St. Ladislaus Parish, the Bevent Lions Club, and People's State Bank which all have played pivotal roles in my life. My upbringing and community service serve as a testimony. My testimony describes one thing that I find great success in - my character. As my dreams become reality, my never-ending goal remains the same - to honor God in everything I do. The Kalia D. Davis Memorial Scholarship will help me not only acquire an educational credential, but also increase my outreach to struggling Americans. Personal finances are not just about watching balances grow; they are a crucial part of creating healthy balances in life. I will learn more about personal finance, personal management, counseling, and mentoring. I aspire to prepare people with financial tools to nourish their futures while strengthening morals and values. The Kalia D. Davis Memorial Scholarship will be instrumental in helping me achieve this vision. In conclusion, achieving stronger financial literacy in my community is a daunting issue that requires passionate and persuasive young people to “walk the talk.” The Kalia D. Davis Memorial Scholarship will help increase my confidence so I can make a tangible difference in the lives of those around me. I am excited to use my knowledge and skills to advocate for financial literacy, support my future family, and help my community achieve a way of living that glorifies God in everything they do. Thank you, Kalia D. Davis Memorial Scholarship committee, for listening to my story and good luck to all the scholarship candidates.

Pursuing community service has taught me valuable lessons about contributing to society while leaving an indelible mark on the lives of others. During my high school years as a teenager, participating in community events allowed me to expand my network while giving back to others. Thanks to my mentors exemplifying these simple acts of kindness to follow, I learned how to selflessly serve and uplift others. I was constantly guided by strong morals as a Christian and because of Jesus' example in the bible, I devoted my time unconditionally to others, keeping His example of love close to my heart. After a year of Scouting as a high school student, I gained confidence and determination to do more. I felt partially unfulfilled with a desire to pursue service beyond my shell of comfort. My fortunate networking led me to Camp Hope, Riverside Bible Camp, and People's State Bank where through these organizations, I discovered unique ways to serve while enhancing my morals and values. Camp Hope is a grievance camp where I learned how to provide emotional support to those who lost loved ones in their life. Oftentimes, the attendees were young kids who lost a parent less than a year before camp. Riverside Bible Camp is where I enjoyed cabin leading for kids who wanted a fun summer to enjoy camp activities while learning more about their faith. I not only learned more about my faith, but I was invited to learn more about other Christian denominations alike. People's State Bank is where I experienced the greatest expansion of networking through meeting business owners, enthusiastic bankers, and executives who offered volunteer opportunities through the bank. All three opportunities are still pivotal parts of my life today and will continue to enable my greatest character traits. The reason I cherish my character today is because of the service I provided to my friends, family, and community early on. The numerous opportunities I had to share fellowship with people while providing community service helped instill me with abilities including selflessness, empathy, and compassion. Not only did community service opportune personal growth, but it also offered unique perspectives revealing the struggles and needs that people have in society. My final lesson from becoming a servant leader was the journey it takes to create purpose for everything I do. Serving others exposed how limited my time is in life. A week offers a crucial amount of time to work for yourself, serve others, and serve God. My experience as a young adult taught me how to prioritize what means most to me while trying to glorify God in everything I do. The purpose I acknowledge in the service I dedicate to others will continue to fuel my ambition to be generous and productive in society. To my readers and donors, thank you for your consideration and good luck to the scholarship candidates. "Leave this world a little better than you found it." –Robert Baden Powell

My name is RJ Kluck, and I am a 21-year-old high school graduate of 2021. I completed my high school education through homeschooling and currently, I am an undergraduate student at the University of Wisconsin-Stevens Point. Participating in higher education prepares ambitious people for the workforce by gaining deeper knowledge and practical real-life experience. One of my primary reasons for pursuing college is to gain valuable experiences as a young person that will set the foundation for greater opportunities in my future adult life. Growing up on a small farm in central Wisconsin made me dream about going to college while pursuing things that are greater than myself. While my ultimate dream is to own a business one day, my current focus revolves around creating a strong foundation of financial literacy as a young person. In honor of Stephan Laurence Wolley's story, I aim to cultivate my future health and motivation through healthy habits. I strongly believe that a healthy community relies on residents who embrace healthy habits and strive for ambitious goals through sports and hobbies. During my time in middle and high school, I played football for Wausau Area Home Educators. Despite transitioning away from sports since then, I have maintained my health by engaging in regular activity on the farm and at my local gym. Stephan was fortunate to have the opportunity to participate in sports while inspiring others. Unlike many young people, he utilized his athletic abilities to excel in both his academic and competitive pursuits. Even though we lost Stephan, his legacy continues to inspire future generations to follow in his footsteps. I completed my two-year degree in business management in December of 2023 through Northcentral Technical College and was accepted at the UWSP to attempt the four-year business administration degree with 73 transferrable credits. NTC not only broadened my career aspirations but also developed my character. To enhance my university experience, I will continue working at People's State Bank as a Personal Banker during my time in school. This will actively apply my academic knowledge while contributing to real-world situations. After I graduate, I envision returning to my hometown and beginning my career path by seeking an administrative position in the insurance industry to gain financial stability and reasonable benefits and then I will later pursue a position related to finance and advising. I will strive to apply the skills acquired through my educational and professional background to make an impact in my community. As I gain experience and financial stability, I will pursue employment that holds political aspects. I hope my potential civic endeavors will influence the consideration of ideas that will engage my community in activities that reflect moral and ethical values. My proactive steps going forward include building my career at People's State Bank, qualifying and applying for more scholarships, mentally preparing for my future classes, and continuing to serve in my community which will enhance my morals and values while consistently supporting the people around me. As my dreams become reality, my never-ending goal remains the same - to honor God in everything I do. Guided by my faith, I am committed to fostering a sense of unity, compassion, and understanding to those around me. I believe that love, kindness, and empathy have the power to create a ripple effect, positively impacting the lives of individuals and communities. Stephan L. Wolley's story greatly impacted me and I want to share his legacy with others. As for my career, I strive to exemplify these principles while contributing to society. To all the readers and kind donors, thank you for your support.

Exploring the Universe: Our Thirst for Understanding For centuries, the vast and mysterious universe has captured human curiosity. There is an inherent desire within us to unravel its enigmatic nature and give our existence unquestionable purpose. In this essay, we will explore the significance of understanding the universe and discuss key concepts and ideas that can aid in this pursuit. The Human Quest for Knowledge Humanity has always strived to expand its knowledge and push the boundaries of the unknown. Investigating the nature of the universe serves as a gateway to enlightenment and inspiration. Through the pursuit of cosmology and astrophysics, we gain insights into the fundamental nature of matter, energy, time, and space. By advancing our understanding of the universe, we can develop comprehensive perspectives of our place within it, nurturing intellectual growth and expanding our worldview. Practical and Technological Advancements Efforts to unravel the secrets of the universe often lead to significant technological advancements. Delving into astrophysics and cosmology has spurred groundbreaking developments in fields such as computing, optics, and materials science. Research aimed at comprehending the nature of the universe drives us to develop sophisticated telescopes, algorithms, and computational models. These innovations benefit various industries, from healthcare to energy and transportation, and have profound implications for human progress. Fundamental Curiosities The universe presents a myriad of fundamental questions that ignite human curiosity. For instance, how did the universe come into existence? How is matter formed? What is the nature of dark matter and dark energy? Such inquiries drive scientists to search for answers and assist us in unraveling the mysteries of our existence. By exploring these fundamental questions, we gain insights into the nature of reality and our purpose within it. Inspiring Scientific Literacy A better understanding of the universe is crucial in fostering scientific literacy among the general population. Concepts such as black holes, the expanding universe, and quantum mechanics inspire young minds to pursue careers in science and engineering. By promoting science education and making scientific discoveries accessible to all, we can create a society that values empirical knowledge, critical thinking, and evidence-based decision-making. This can push society towards progress and prosperity. Science and Religious Perspectives Science has been guided for centuries by individuals who believed in God or were previous believers. Christianity recognizes Adam, Eve, and the Garden of Eden as the beginning of humanity, crafted by God, who is not yet "materially proved" by science. Christianity is still the leading force of theological and philosophical concepts that describe the fundamental sources of universal existence. Although the material presence of God cannot be physically proven, Christianity continues to conquer the trust of humans who believe in its perspective. Concepts and Ideas to Employ 1. Observational Astronomy: Utilizing sophisticated telescopes, scientists can study celestial objects across the electromagnetic spectrum. By acquiring comprehensive data, they can discern patterns, draw correlations, and formulate theories that elucidate the workings of the cosmos. 2. Particle Physics: Investigating subatomic particles and high-energy phenomena provides insight into the underlying physical laws governing the universe. Particle accelerators, such as the Large Hadron Collider, enable us to unravel the nature of matter and test existing theories. 3. Cosmological Models: Developing mathematical and computational models helps simulate the evolution of the universe from the Big Bang to its current state. These models aid in addressing fundamental questions related to the expansion rate, composition of the universe, and the nature of dark matter and dark energy. 4. Interdisciplinary Collaboration: Encouraging collaboration between diverse scientific disciplines such as astrophysics, mathematics, biology and chemistry fosters a holistic understanding of the universe. This interdisciplinary approach allows researchers to approach complex problems from multiple perspectives, leading to more comprehensive and insightful discoveries. 5. Religious Studies: Early centuries of scientific study were guided by scientists who believed in God or were previous believers. Science is directly related to Christian fundamentals when it comes to addressing existential concepts. Modern scientific research may consider ancient studies involving philosophical applications to explore additional perspectives beyond data collected from the most recent traces of creation. Greek philosopher Parmenides stated, "We can speak and think only of what exists" which aids in understanding that scientific data can only rely on material proof which will never justify the constant presence of matter in the universe without somehow being created. Conclusion Understanding the nature of our universe moves beyond a mere pursuit of knowledge; it holds immense practical significance. Through intellectual advancement, technological innovations, and the desire to answer fundamental questions about our existence, we pave the way for the progress of our civilization. Concepts and ideas like observational astronomy, particle physics, cosmological models, and interdisciplinary collaboration are key to unraveling the secrets of the cosmos and enhancing our understanding of the universe we call home. To readers and donors, thank you for your kind consideration.

Hello! My name is RJ Kluck, and I am a business administration student. As someone who is dedicated to serving others, I must address the issue of poor financial literacy. Society proves that many people struggle to manage their finances, leading to stress and anxiety diminishing the potential for joy in life. I was blessed to be raised by parents who stressed the importance of frugal living and saving for the future. Unfortunately, many people had an opposite experience. This problem is particularly sensitive to me since I have witnessed society lack the knowledge and skills necessary to utilize wise financial habits, opening the door for difficult lessons like overwhelming debt, insecurity, broken promises, and inevitable stress. I am determined to do my part in improving societal financial literacy for the sake working-class people. Northcentral Technical College not only broadened my career horizons but also equipped me with the necessary tools to develop my character. I completed my technical degree in business management in 2023 and was accepted at the University of Wisconsin-Stevens Point to finish the four-year business administration degree with 73 transferrable credits. At UWSP, I will participate in financial and entrepreneurial Pro Events which will help me develop leadership abilities while serving my community before graduating. To advance, I will continue working part-time as a Personal Banker during my university career. This will actively apply my knowledge while contributing to real-world situations. After I graduate, I envision returning to my hometown and beginning my career path by seeking an administrative position in the insurance industry to gain financial stability through benefits and then I will later pursue a position related to finance and advising. After I achieve financial stability, I will officially pursue employment that holds political aspects. I hope my potential civic endeavors will influence the consideration of ideas that will engage my community in activities that reflect moral and ethical values. Starting now, I will apply for more scholarships, prepare for my future classes, and continue to serve in my community. My service is dedicated to Scouting, Riverside Bible Camp, Camp Hope, St. Ladislaus Parish, the Bevent Lions Club, and People's State Bank which all have played pivotal roles in my life. My upbringing and community service serve as a testimony. My testimony describes one thing that I find great success in - my character. As my dreams become reality, my never-ending goal remains the same - to honor God in everything I do. The John J Costonis Scholarship will assist my endeavors in academics to not only achieve an educational credential, but also enhance my outreach to struggling Americans. Personal finances are not just about watching balances grow; they are a crucial part of creating healthy balances in life. I will learn more about personal finance, personal management, counseling, and mentoring. I aspire to prepare people with financial tools to nourish their futures while strengthening morals and values. The John J Costonis Scholarship will be instrumental in helping me achieve this vision. In conclusion, achieving stronger financial literacy in my community is a daunting issue that requires passionate and persuasive young people to “walk the talk.” The John J Costonis Scholarship will help increase my confidence so I can make a tangible difference in the lives of those around me. I am excited to use my knowledge and skills to advocate for financial literacy, support my future family, and help my community achieve a way of living that glorifies God in everything they do. Thank you, John J Costonis Scholarship committee, for listening to my story and good luck to all the scholarship candidates.

Participating in higher education prepares ambitious people for the workforce by gaining deeper knowledge and practical real-life experience. Growing up on a small farm in central Wisconsin made me dream about going to college and pursuing things that are greater than myself. I hope to gain valuable experiences in college that will inspire greater opportunities in my adult life. While my ultimate dream is to own a business one day, my current focus revolves around creating a strong foundation of financial literacy as a young person. My sophomore year of high school was when I began studying at Northcentral Technical College. NTC not only broadened my career horizons but also equipped me with the necessary tools to enhance my core beliefs. I completed my two-year degree in business management in December of 2023 and was accepted at the University of Wisconsin-Stevens Point to attempt the four-year business administration degree with 73 transferrable credits. To enhance my university experience, I will continue working at People's State Bank as a Personal Banker during my time in school. This will actively apply my academic knowledge while contributing to real-world situations. At the end of my university experience, I envision returning to my hometown and beginning my career path by seeking an administrative position in the insurance industry to gain financial stability and reasonable benefits and then I will later pursue a position related to finance and advising. By applying the skills acquired through my educational and professional background, I will strive to make an impact in my community. I believe the potential I have to serve my community qualifies me for this scholarship more than my characteristics do. As I gain experience and financial stability, I will pursue employment that holds political aspects. I hope my potential civic endeavors will influence the consideration of ideas that will engage my community in activities that reflect moral and ethical values. My proactive steps in this journey include progressively building my career at People's State Bank, qualifying and applying for more scholarships, mentally preparing for my future classes, and continuing to serve in my community which will enhance my morals and values while consistently supporting the people around me. As for community service, I will continue serving in Scouts BSA, Riverside Bible Camp, Camp Hope, St. Ladislaus Parish, the Bevent Lions Club, and People's State Bank which all have played pivotal roles in my life while I developed my character. As my dreams become reality, my never-ending goal remains the same - to honor God in everything I do. Guided by my faith, I am committed to fostering a sense of unity, compassion, and understanding to those around me. The John Young 'Pursue Your Passion' Scholarship would help me achieve financial stability enhancing my ability to serve others. I strongly believe that love, kindness, and empathy have the power to create a ripple effect, positively impacting the lives of individuals and communities. As for my career, I strive to exemplify these principles while contributing to society.

Hello! My name is RJ Kluck, and I am a business administration student. As someone who is dedicated to serving others, I must address the issue of poor financial literacy. Society proves that many people struggle to manage their finances, leading to stress and anxiety diminishing the potential for joy in life. I was blessed to be raised by parents who stressed the importance of frugal living and saving for the future. Unfortunately, many people had an opposite experience. This problem is particularly sensitive to me since I have witnessed society lack the knowledge and skills necessary to utilize wise financial habits, opening the door for difficult lessons like overwhelming debt, insecurity, broken promises, and inevitable stress. I am determined to do my part in improving societal financial literacy for the sake working-class people. High school was when I began studying at Northcentral Technical College which broadened my career horizons but also equipped me with the necessary tools to enhance my core beliefs. I completed my technical degree in business management in 2023 and was accepted at the University of Wisconsin-Stevens Point to finish the four-year business administration degree with 73 transferrable credits. At UWSP, I will participate in financial and entrepreneurial Pro Events which will help me develop leadership abilities while serving my community before graduating. To advance, I will continue working part-time as a Personal Banker during my university career. This will actively apply my knowledge while contributing to real-world situations. After I graduate, I envision returning to my hometown and beginning my career path by seeking an administrative position in the insurance industry to gain financial stability through benefits and then I will later pursue a position related to finance and advising. After I achieve financial stability, I will officially pursue employment that holds political aspects. I hope my potential civic endeavors will influence the consideration of ideas that will engage my community in activities that reflect moral and ethical values. Starting now, I will apply for more scholarships, prepare for my future classes, and continue to serve in my community. My service is dedicated to Scouting, Riverside Bible Camp, Camp Hope, St. Ladislaus Parish, the Bevent Lions Club, and People's State Bank which all have played pivotal roles in my life. My upbringing and community service serve as a testimony. My testimony describes one thing that I find great success in - my character. As my dreams become reality, my never-ending goal remains the same - to honor God in everything I do. The Nyadollie Scholarship will assist my endeavors in academics to not only achieve an educational credential, but also enhance my outreach to struggling Americans. Personal finances are not just about watching balances grow; they are a crucial part of creating healthy balances in life. I will learn more about personal finance, personal management, counseling, and mentoring. I aspire to prepare people with financial tools to nourish their futures while strengthening morals and values. The Nyadollie Scholarship will be instrumental in helping me achieve this vision. In conclusion, achieving stronger financial literacy in my community is a daunting issue that requires passionate and persuasive young people to “walk the talk.” The Nyadollie Scholarship will help increase my confidence so I can make a tangible difference in the lives of those around me. I am excited to use my knowledge and skills to advocate for financial literacy, support my future family, and help my community achieve a way of living that glorifies God in everything they do. Thank you, Nyadollie Scholarship committee, for listening to my story and good luck to all the scholarship candidates.

Participating in higher education prepares ambitious people for the workforce by providing deeper knowledge and practical real-life experience. Growing up on a small farm in central Wisconsin sparked my dream of pursuing a college education and pursuing meaningful initiatives greater than myself. My desire to create an impact in the field of business stems from a commitment to financial literacy and community service. I hope the valuable experiences I gain in college will open doors for greater opportunities in my adult life, ultimately leading me to my dream of owning a business. My journey began in my sophomore year of high school when I started studying at Northcentral Technical College. NTC not only broadened my career horizons but also equipped me with the necessary tools to develop my core beliefs. I successfully completed my two-year degree in business management in December 2023 and was accepted at the University of Wisconsin-Stevens Point, where I will pursue a four-year business administration degree with 73 transferrable credits. I plan to participate in the Army Reserve Officers' Training Corps (ROTC) elective courses, which will help me build leadership abilities while providing a potential avenue for serving my country. To further enhance my expertise, I will seek part-time employment related to my studies. This approach will allow me to actively apply my knowledge while contributing to real-world scenarios. After completing my university experience, I envision returning to my hometown to pursue a position in administration and finance. By applying the skills I acquired through my education and military experience, I aim to make a positive impact in my community. I believe my potential to serve my community qualifies me for scholarship opportunities, as it reflects greater ambition than personal characteristics alone. The steps I will take to achieve my goals include working in my current position to save additional funds, applying for as many scholarships as possible, mentally preparing for future classes, and continuing to serve my community. My involvement in Scouts BSA, Riverside Bible Camp, Camp Hope, St. Ladislaus Parish, the Bevent Lions Club, and People's State Bank has significantly shaped my core values. As I grow professionally, I aspire to engage in civic endeavors that reflect moral and ethical values, influencing my community through initiatives that promote unity, compassion, and understanding. Reflecting on my journey, my goals remain steadfast: to honor God in everything I do. Guided by my faith, I am committed to fostering love, kindness, and empathy. These principles have the power to create a ripple effect, positively impacting individuals and communities. As I continue my education and develop my career in business, I strive to exemplify these values while contributing to society, ultimately cultivating a strong community around me.

My Scouting journey involved persistently reciting the Scout Oath and Scout Law, which helped engrave principles into my intellect. More importantly, practical experiences through service and leadership instilled these principles into my actions. Scouting has profoundly impacted my life, transformed my perspectives, and instilled important values that foster my ability to serve others. Through my service in the council, specifically National Youth Leadership Training (NYLT), I learned the true meaning of servanthood. As a young Scout, I originally completed service hours for personal recognition and advancement. However, NYLT opened my eyes to the unconditional benefits of serving others. As a Troop Guide, I developed compassion, empathy, and determination, guiding young Scouts through the program. This experience helped me realize my purpose was not merely to accumulate service hours but to exemplify selflessness and inspire those around me. Scouting provided me with community service opportunities that taught me the importance of contributing to society. Actively participating in community events and volunteering expanded my network while serving and uplifting others. I offered emotional support to grieving individuals at Camp Hope and was honored to serve as a cabin leader at Riverside Bible Camp, where I deepened my faith while helping deliver a memorable summer. Along the way, I discovered the power of networking, connecting with inspiring individuals from diverse backgrounds. My character today reflects what my Scouting experience has done for me. Completing my Eagle rank influenced a significant transformation in my mindset. I realized that true fulfillment comes from equipping others on similar paths with tools to succeed. The purpose of service goes beyond personal goals; it is about glorifying God and setting an example of servanthood and selflessness. Scouting has made me a better person. It has brought me happiness and self-acceptance. I’m self-aware and able to prioritize actions that align with my values. Scouting has shaped my character, instilling a moral and civic duty to be a generous member of society. I am grateful for the valuable lessons Scouting has provided, and I will continue to carry these principles as I serve within Scouting and in everyday life. I hope my example has positively impacted others in my community and the Scouting organization. Feedback from parishioners, fellow Scouts, coworkers, and family reminds me that my involvement in community service and selfless activities encourages and inspires those around me. While I can be my greatest critic, I believe my positive attitude leaves others feeling uplifted, often without knowing why. I do not seek recognition for my accomplishments; I want others to see my work. Inspired by the selfless actions of those before me, I developed a burning desire to engage with the brightest people around me. Now, I am more ambitious and courageous than ever. I cherish my roots, support my beliefs, and live by my morals for the well-being of others. While I may not prove my impact on the community, I do not plan to stop serving others. Life continuously reveals the value of selflessness, giving meaning to everything I do. "An individual step in character training is to put responsibility on the individual." –Robert Baden Powell

I come from a working-class family in central Wisconsin. My dad works full-time as a supervisor at a construction equipment company while my mom owns a small business and maintains our small farm. My family never had excess money to leisurely spend, but we managed to create reasonable opportunities with what we earned from honest work. Honest work came from my small family farm. I grew up doing barn chores, cutting grass, landscaping, raising chickens, growing straw, growing gardens, selling produce, and doing anything that helped provide for the family table. I learned about the fulfillment that comes from having a homestead which is why I went into business. I knew having a full-time farm would mean I would not have the freedom to travel and explore the nation. My fiancé and I agreed that agriculture will continue to be a big part of our lives, but we also want to enjoy our young years exploring what's out there. I decided to begin my educational journey starting with business classes during high school and I am glad I was persistent. I am on track to achieve a 4-year degree in business which will give me the knowledge and skills it takes to deepen my understanding of agriculture and farm management. I am anxious to begin establishing my hobby farm after I graduate while having a primary full-time job. I believe anyone who grows up on a farm naturally achieves a home-grown character and alongside my fiancé, we want to provide that same fortune of wisdom to our future kids one day. My unique story brings me to my downfall. I have been humbly applying for scholarships to nourish my dreams. Financial need reveals the inevitable extenuating circumstances that prevent students from enjoying healthy progress toward their dreams and goals. Being raised by a frugal, hardworking family describes my financial need. I did not have the option to enroll in full-time university classes at first. Instead, I made exceptional sacrifices as a young person to make money, save money, and participate in classes I could afford based on my part-time income. My tech school experience taught me how to study while creating an effective budget. Now, I am a confident and ambitious student hoping to qualify for scholarships that will improve my financial literacy with peace of mind while attending UWSP. I am applying for many scholarships in hopes of being selected. The scholarships I am applying for come from local businesses and external organizations. Any additional scholarship awards would be a huge honor to me. I dedicated my high school and undergraduate career not only to helping on my small family farm but to serving in beloved non-profit organizations which is why I am taking the chance and sharing my experience with scholarship committees. I know donors are seeking humble candidates, and additional scholarships would give me a huge step forward in my finances while I try to conquer my expenses with peace of mind. Thank you for providing this scholarship opportunity, thank you for reviewing my application, and good luck to all the scholarship candidates.

I was transformed into an enthusiastic student in high school. I immersed myself in various extracurricular activities hoping they would shape my character and clarify my aspirations for adulthood. Despite my involvement in numerous leadership roles, community service endeavors, and personal achievements, I approach these experiences without arrogance or selfish pride. Instead, they serve as a testament to my investment in the community and my desire to make a positive impact in the lives of others. One prominent aspect of my high school journey was my commitment to the Scouts BSA. Achieving the Pillars of Faith and earning the Eagle Scout rank were transformative experiences. I was honored to receive the Eagle Project of the Year Award and the Vigil Honor, among other nominations, within the Samoset Council. Leading as the Senior Patrol Leader on the Red Troop staff during the National Youth Leadership Training further enhanced my leadership skills. These experiences provided me with ample opportunities to develop and hone my leadership abilities. Effective lessons I learned were about communication, delegation, and problem-solving. I recognized the importance of serving others while leading by example. Through these activities, I cultivated a resilient and adaptable mindset, essential qualities for success in any field. Managing my time between these extracurricular commitments and my schooling while maintaining a high GPA required continuous planning. I understood that my academics were crucial for nourishing future opportunities, and I devoted myself to maintaining a delicate balance. To manage my time effectively, I implemented various strategies. I created a structured schedule, setting study time aside. The schedule helped me understand my tasks, but deadlines and goals kept me motivated and aware of the consequences of procrastinating. Time management demanded efficient utilization of my resources. I learned to optimize my study sessions, focusing on quality over quantity. I used active learning techniques and collaborated with classmates to create high-quality projects. Seeking assistance from teachers and mentors when needed, I embraced a growth mindset and the importance of seeking continuous improvement. Maintaining a healthy balance was crucial to my success. I recognized the importance of self-care and allocated time for physical exercise, hobbies, and relaxation. This allowed for recharging and increased overall productivity. I also considered the priorities of my family and friends so I set recurring time aside to maintain my relationships. Undoubtedly, my involvement in these extracurricular activities enriched my life in immeasurable ways. They provided not only leadership experiences but also opportunities to connect with like-minded individuals who share a passion for making a difference. These engagements strengthened my sense of community and instilled in me a firm belief in giving back. As I transition into the next stage of my journey, I carry with me the invaluable skills and lessons learned. Through my rigorous goals in the military, university, and everyday life, I know that grit and determination will be vital. I am prepared to face the challenges that lie ahead confidently. The leadership experience gained through my extracurricular activities, coupled with my effective time management skills, will undoubtedly serve as a solid foundation for my future endeavors. In conclusion, my high school journey relied on participation in my community. Through my experiences in the Scouts BSA and other extracurricular activities, I developed strong leadership skills and a passion for making a positive impact. Balancing these commitments with my academics and maintaining a high GPA required effective time management and discipline. I am grateful for the opportunities I have had and look forward to translating these experiences into future success. To my readers and the donors, thank you for your support. Sincerely, Rick (RJ) Kluck

Financial Literacy and An Important Lesson Introduction As I reflect on my journey towards financial literacy, I must acknowledge the role that my personal circumstances and upbringing have played in shaping my understanding of money. My name is RJ Kluck and I am a 20-year-old sophomore at Northcentral Technical College. I grew up on a small farm in the serenity of central Wisconsin where I have been instilled with a strong work ethic and a deep appreciation for the value of hard-earned money. My experience as a young boy was quite simple. I grew up in a family that lived below their means and never once received money other than a paycheck from honest work. My lifestyle taught me how to earn my way and value my resources. My parents taught me at a young age about the importance of responsible financial management, emphasizing the central theme of budgeting. This lesson has become the cornerstone of my financial literacy journey. Dave Ramsey once said, "Your most powerful wealth-building tool is your income," and I firmly believe that the key to building a solid financial foundation lies in effective budgeting. My "Money Lesson" Budgeting encompasses the disciplines of assessing income, controlling spending, managing financing, and making wise investment decisions. I have come to understand that these components cannot thrive on their own; they are interdependent and heavily reliant on effective budgeting. Simply put, a budget gives purpose and direction to every dollar earned, transforming it into a vital tool for financial success. As a college student, this invaluable money lesson has guided my endeavors in significant ways. Pursuing higher education not only promises personal growth but also acts as a catalyst for greater opportunities in my future adult life. By applying the principles of budgeting, I can make the most of my limited financial resources, ensuring a valuable college experience without compromising on my long-term goals. The lesson I learned early on has also brought me to the Financial Literacy Scholarship Award where I could potentially expand my early start to financial stability as I experience the expenses of seeking higher education. Stability and Success As I aspire to become an entrepreneur someday, I recognize that running a successful business demands strategic financial management. By honing my budgeting skills early on, I am developing a vital foundation. College provides me with a valuable learning environment to expand my knowledge in areas such as finance, management, and marketing. Armed with a solid financial plan, I am confident that I can navigate the challenges of entrepreneurship when the time comes. Beyond my personal aspirations, I am driven by a deep-rooted desire to be a source of leadership and inspiration to others. By exemplifying the principles I have learned about budgeting, I hope to encourage my peers and community to adopt responsible financial practices. I believe that empowering others with the knowledge and tools for financial well-being can lead to a more prosperous society as a whole. Conclusion The best money lesson I have received on my journey to financial literacy is the power of budgeting. Understanding the importance of managing income, spending, financing, and investing within the framework of a well-defined budget has transformed my approach to money. As a college student, this lesson allows me to maximize my opportunities, achieve my goals, and pave the way for a successful future. I am committed to continuing my quest for financial knowledge and sharing the wisdom I gain along the way to benefit both myself and those around me. To my readers and the donors, thank you for your support. Sincerely, Rick (RJ) Kluck

My Valued Influencer Introduction I am RJ Kluck, a 20-year-old sophomore at Northcentral Technical College, residing on a small farm in central Wisconsin. As I journey into adulthood, I desire to be a leader in my community. Pursuing higher education has given me invaluable experiences that will nourish my qualifications for future opportunities. Although my long-term aspiration is to own a business, I must achieve personal and professional milestones before embarking on this entrepreneurial venture. Amidst my pursuit, I encountered one individual whose kindness and wisdom had a life-changing impact, transforming the way I think. The Senior Patrol Leader and the Gift of Compassion In 2021, I had the honor of serving as the Senior Patrol Leader for the National Youth Leadership Training (NYLT) program. This opportunity marked the most challenging year of my life, testing my physical and mental resilience. During the course, I experienced exhaustion that influenced me to believe I was underperforming and unworthy of fulfilling my numerous expectations. It was during my tipping point when I encountered an individual who would forever change my perspective - my Scoutmaster. A Conversation that Shaped My Thinking Amid witnessing my toll of stress, my Scoutmaster invited me for a heart-to-heart conversation. As we sat down to discuss my struggles, he highlighted the demands of my role, recognizing the success I had achieved during the week. His words gently revealed the exceptional qualities I possessed as a leader. He helped me realize that my perceived shortcomings were reminders of the pressure I had placed on myself. At that moment, I started to believe in my potential, understanding that I had more to offer as a leader, even in the face of adversity. Opening the Gateway to Positive Thinking Following the NYLT course, my Scoutmaster reached out with an act of kindness that would reshape my perspective on life. Recognizing the importance of positive thinking and its transformative power, he sent me the book "Think Like a Monk" by Jay Shetty. This gift served as a gateway to understanding and mastering the art of positive thinking. I cherished the ideas of Jay Shetty. Shetty's wisdom provided me with a toolbox of proactive thinking practices, empowering me to counter challenging circumstances with resilience. The Profound Impact The kindness demonstrated by my Scoutmaster, coupled with his gift of "Think Like a Monk," cultivated my way of thinking. Previously, I had allowed exhaustion and self-doubt to cloud my judgment, hindering my ability to fully appreciate my capabilities. However, his compassionate intervention and the subsequent insights gained from the book opened my eyes to the power of positive thinking. By embracing positive thinking, I have learned to redefine challenges as opportunities for growth, celebrate my accomplishments, and approach adversity with a determined mindset. The transformation within has enabled me to navigate difficult situations with resilience, inspiring others through my unwavering optimism. Conclusion The kindness and wisdom modeled by my Scoutmaster have changed the directory of my life. Through his compassionate conversation and the gift of "Think Like a Monk," he guided me to recognize my true potential and adopt a mindset of positivity and resilience. This encounter has inspired me to extend kindness to others and become an agent of change in my community. As I pursue my dreams, with the ongoing goal of sharing God's love as a guiding principle, I am reminded of the impact that kindness can have on an individual's life. The transformative power of positive thinking, ignited by my Scoutmaster, forever altered my perspective. To the donors and all my readers, thank you for your support. Sincerely, Rick (RJ) Kluck

My Future Career and My Impact Introduction I am RJ Kluck, a 20-year-old sophomore at Northcentral Technical College in central Wisconsin. Growing up on a small farm in central Wisconsin helped me develop a strong desire to become a source of leadership and inspiration in my community and beyond. Through my pursuit of higher education, I aim to gain valuable experiences that will pave the way for greater opportunities in my adult life. While my ultimate dream is to own a business one day, my current focus revolves around establishing a strong foundation for success and making a positive impact on the world through my career. Commitment to Education High school is when I started studying at NTC which was driven by my curiosity for perspicacious topics that inspired me. I believe that education not only broadens horizons but also equips individuals with the tools necessary to effect meaningful change. As I complete my two-year associate's degree in business management at Northcentral Technical College, I am preparing to apply as a transfer student for the business administration program at the University of Wisconsin-Stevens Point (UWSP). Contributions Through Military Service In addition to my academic pursuits, I am determined to make a positive impact through military service. As I study at UWSP, I plan to participate in the Army Reserve Officers' Training Corps (ROTC) program, which will allow me to develop not only my leadership abilities but also provide an avenue for serving my country. Establishing a Career in Administration and Finance Upon completion of my higher education and the ROTC program, I envision returning to my hometown and seeking a position related to administration and finance. By applying the skills acquired through my educational background and military experience, I will strive to make a tangible difference within my community. Passionate about efficient administration and sound financial management, I intend to leverage these skills to facilitate positive change on both a small and large scale. Part-time Work and Political Involvement To enhance my expertise, I plan to seek part-time employment related to my studies during my time in school. This will not only solidify my theoretical knowledge but also provide the opportunity to contribute to real-world scenarios within my chosen industry. As I gain financial stability and experience, I aspire to pursue employment that holds political value in the city I reside in. Through active involvement in civic affairs, I aim to initiate productive ideas while utilizing my skills and knowledge to make a difference in the lives of others. Sharing God's Love as a Guiding Principle As my dreams become reality, my neverending goal remains the same - to serve as a beacon of God's love and light in my community. Guided by my faith, I am committed to fostering a sense of unity, compassion, and understanding. I strongly believe that love, kindness, and empathy have the power to create a ripple effect, positively impacting the lives of individuals and communities. As for my career, I strive to exemplify these principles while contributing to society. Conclusion My journey has been guided with purpose and a burning desire to be a leader. Through my commitment to education, military service, establishing a career, and active participation in civic affairs, I aim to make a meaningful impact on both a local and global scale. Guided by my faith and unwavering determination, I am confident in my ability to inspire others. To my readers and the donors, thank you for your support. Sincerely, Rick (RJ) Kluck

My Goals and Aspirations Introduction My name is RJ Kluck, and I am a 20-year-old sophomore at Northcentral Technical College. Living on a small farm in rural central Wisconsin with my family, I am committed to becoming a source of leadership and inspiration in my community and beyond. This scholarship opportunity is important to me as it may enable me to pursue my long-term goals and career aspirations while conquering my future financial challenges. Personal Journey and Long-term Aspirations As a homeschool high school graduate of 2021, I embarked on my journey of higher education with the firm belief that it would provide me with invaluable experiences that would shape my adult life. My passion for studying inspiring subjects influenced me to begin higher education during high school and my aspirations for success have only grown larger. I am enrolled in a two-year associate's degree program in business management at Northcentral Technical College, which I will complete soon. After finishing this program, I plan to move on to the University of Wisconsin-Stevens Point (UWSP), applying as a transfer student for the business administration program. I also plan to participate in the Army Reserve Officers' Training Corps (ROTC) program at UWSP. During my studies, I will explore potential part-time job opportunities related to my field of study, hoping to gain practical work experience. Once I am financially stable, I aspire to pursue a career, which holds political value in the city where I reside. After graduation from UWSP and ROTC, I will return to my local city to pursue a position related to administration and finance. Overcoming Emotional Weakness In 2022, I experienced emotional weakness when my grandfather passed away unexpectedly during the final month of the semester. This tragic loss made it challenging for me to complete my final studies. However, I refused to let my grief negatively impact my academic progress. I assessed my progress in each course, which allowed me to gain a clear understanding of where I stood. I then, with the invaluable insights and support of my mentors, created a comprehensive study plan and committed myself to finishing strong. The Impact of the Scholarship This scholarship would be a game-changer for me. The financial challenges that often come with pursuing higher education can be overwhelming, discouraging many aspiring individuals from pursuing their dreams. With the support of this scholarship, I would be able to devote myself completely to my studies, extracurricular activities, and personal growth. It could also facilitate my transition into the civilian workforce by alleviating financial stress. Beyond the financial assistance, this scholarship would serve as an immense source of motivation and validation of my potential. It would affirm that my dreams are worth investing in. As I strive to spread God's love and make a positive impact on the community, this scholarship would not only enable me to navigate financial struggles but would also emphasize the significance of resilience and determination in the face of adversity. Conclusion I am grateful for the opportunity to share my aspirations and experiences with the scholarship committee. I am confident the support of this scholarship would help me achieve my long-term goals while I contribute to society. It would be a humble step on my journey towards inspiring leadership, enabling me to engage fully in my educational pursuits while working towards becoming an inspiration to those around me. As I endeavor to share God's love and positivity within the community, I am honored and grateful for the committee's consideration of my aspirations. To my readers and possible donors, thank you for your support. Sincerely, Rick (RJ) Kluck

My Journey Towards Positive Impact As a young and ambitious individual, I have always been inspired by books and films that shaped my goals and fueled my desire to make a positive impact on the world and my community. Growing up in the serenity of central Wisconsin, my love for the outdoors has instilled in me a sense of responsibility to be a source of leadership and inspiration in my community. The books that have impacted my life include Dale Carnegie's "How to Win Friends and Influence People" and Robert Kiyosaki and Sharon Lechter's "Rich Dad Poor Dad." From Carnegie's teachings, I have learned the importance of authenticity and embracing my unique personality to genuinely influence and encourage others. It has become my belief that genuine connections and acts of kindness can make a significant difference in people's lives. "Rich Dad Poor Dad" has helped me understand the significance of financial literacy and the value of resources such as money. This book has instilled in me a desire to attain financial stability and independence, not only for myself but also to help others in need. I hope to combine my passion for business and the principles I have learned from these books to create a positive environment that provides financial knowledge and empowerment to individuals within my community. One film that deeply resonated with me is "Hacksaw Ridge." This inspirational story depicts the military affiliation of a young man driven by his unwavering faith, despite his vow to never take a human life. It taught me the importance of standing up for one's beliefs and making sacrifices for the greater good. I am determined to draw strength from this film's message as I pursue my education and future career. Currently, I am a sophomore at Northcentral Technical College, where I am completing my associate's degree in business management. My next step is to transfer to the business administration program at the University of Wisconsin - Stevens Point, while concurrently participating in the Army ROTC program. This path will allow me to develop leadership skills, both academically and within the military, preparing me to make a significant impact upon graduation. After graduating from the University of Wisconsin - Stevens Point and completing ROTC, I plan to return to my hometown to establish a position in administration and finance. Additionally, I aspire to engage in local politics, believing that being a morally driven leader can inspire positive change that benefits the entire community. Ultimately, my ongoing life goal is to share God's love through my actions and be a guiding light for others in my community. Education will serve as the foundation for accomplishing this goal, equipping me not only with knowledge but also with the ability to make informed decisions that positively impact those around me. I am grateful to the scholarship committee and donors for considering my application. Their support will allow me to continue my educational journey, gaining valuable experiences that will shape my future and empower me to make a lasting impact on the world. Thank you for the opportunity to share my aspirations and goals with you. I am committed to utilizing the knowledge gained from books and films to drive positive change for the betterment of society, starting with my beloved community in central Wisconsin. Sincerely, Rick (RJ) Kluck

Family Military Experience Introduction My name is Rick (RJ) Kluck, a 20-year-old sophomore currently pursuing a degree in Business Management at Northcentral Technical College. Having grown up on a small farm in rural Wisconsin, I have developed a strong work ethic, resilience, and a deep appreciation for the value of contributing to my community and nation. Inspired by the military experiences of my family members, I chose to pursue a military career to continue our legacy of service. Family Heritage Service to our country runs deep in my family. Both my grandfathers served during the Vietnam War demonstrating duty, honor, and sacrifice. Their stories of hard work have had a profound impact on my life, evoking a deep sense of respect and admiration for their service. Additionally, my cousins, who are close to my age, serve in the Army, National Guard, and Navy. Witnessing their personal growth and the experiences they had as military members influenced my desire to contribute and make a meaningful impact. Scouting and Personal Growth My involvement in Scouts BSA has played a pivotal role in shaping my values and leadership skills. Serving within the Scouting organization allowed me to develop a strong sense of responsibility, teamwork, and perseverance. Through various leadership positions and active participation, I have honed my ability to guide and motivate others. Scouting has taught me the importance of selflessness, integrity, and the value of service to others, values that closely align with those exemplified in the military. Educational Goals As I pursue my degree in Business Management at Northcentral Technical College, my goal is to equip myself with the necessary skills and knowledge to excel in a leadership role. I seek to cultivate a comprehensive understanding of business principles, organizational management, and effective decision-making. With this educational foundation, I aspire to lead with confidence, fostering positive change and driving success in any career path I choose. Post-Graduation Aspirations Upon graduation, I plan to apply my education and military training to make a meaningful impact both within the military and beyond. While I am drawn to the military due to its rich heritage and opportunities for personal growth, I am also passionate about serving in some form of political capacity in my community, advocating for moral values and principles. Prepared with knowledge from my education and an authentic character through Scouting experiences, I aim to effect positive change, promote unity, and drive progress. In Conclusion My family's military legacy, coupled with my personal aspirations, has influenced my decision to affiliate with the military. My grandparents' and cousins' inspiring stories have given me an unwavering desire to serve. Furthermore, my involvement in Scouts BSA has sculpted my leadership skills and servanthood. My educational goals will direct my energy Ultimately, I see myself post-graduation utilizing my education, military training, and passion for politics to serve my community and make a positive impact on the lives of others. To all the donors and my readers, thank you for your support. Sincerely, Rick (RJ) Kluck

Embracing a Military Career Introduction My name is Rick (RJ) Kluck, I am 20 years old, and a sophomore at Northcentral Technical College, majoring in Business Management. Being a homeschool graduate of 2021, I always valued the importance of education, leadership, and a strong sense of community. Growing up on a small farm in a rural area of Wisconsin revealed the significance of contributing to society and helped me develop a deep appreciation for hard work and discipline. My family's legacy of military service and personal aspirations influenced me to embark on a military career path as my avenue for patriotic service to the nation. Scouting and Leadership Development My involvement in Scouts BSA has tremendously shaped my character and instilled strong values that align with the military's core principles. The Scouts have been integral in imparting crucial leadership skills, promoting teamwork, and fostering personal development. Through my active participation in various leadership positions in Scouts BSA, including serving as the Senior Patrol Leader and the Youth Course Lead for National Youth Leadership Training, I have honed my ability to inspire and guide others. These experiences have solidified my commitment to serving my community and my country. Camp Hope and Riverside Bible Camp Beyond my involvement in Scouts BSA, I have also played an essential role in leadership positions at Camp Hope and Riverside Bible Camp. Serving as a counselor and cabin leader, I have had the opportunity to support and guide young individuals throughout their young lives. By organizing activities, delivering informative speeches, and demonstrating passion, I improved my abilities to connect with diverse groups of people and provide support during challenging times. Family Legacy of Veterans Being raised by a long-standing tradition of military service, I adore the sacrifices and values associated with the armed forces. Hearing stories of honor, duty, and brotherhood from my family members who served made me aware of the profound impact that military service has on individual lives. Inspired by their experiences, I aspire to be selfless by participating in the ROTC program to make my mark. Achievements in Scouting Pursuing my military career path is also influenced by my achievement of earning the prestigious rank of Eagle Scout in the Scouting organization. This accomplishment reflects my commitment to self-improvement, dedication, and perseverance. The journey towards achieving this rank instilled in me invaluable qualities such as integrity, loyalty, and a tireless work ethic. These attributes closely align with the core values upheld by the military, making me confident in my ability to contribute meaningfully to the armed forces. Aspiration for Political Service In addition to my military aspirations, I am open to politically serving my community. I view politics as a platform where I can effect positive change, advocate moral principles, and contribute to society at a broader level. A military career would enable me to develop an authentic foundation of leadership, discipline, and critical thinking skills that are essential for a successful pursuit of political service. Conclusion My upbringing in a rural community, involvement in Scouting, leadership experience at Camp Hope and Riverside Bible Camp, my family's military legacy, and my achievements as an Eagle Scout have all contributed to my interest in the military. My sense of duty, patriotism, and service guides me to embrace opportunities for personal and professional growth through the military. I believe my experiences and the qualities I have developed will enable me to serve my country with devotion, integrity, and distinction as I strive to make a positive impact on society. To all my readers and donors, thank you for your support. Sincerely, Rick (RJ) Kluck

My name is RJ Kluck, and I am a 20-year-old high school graduate of 2021. I completed my education through homeschooling and currently, I am a sophomore at Northcentral Technical College. I live on a small farm in the beautiful outdoors of central Wisconsin with my parents and older brother. As I transition into adulthood, I am motivated to become a source of leadership in my community and an inspiration to the world. In honor of Stephan Laurence Wolley's legacy, I aim to cultivate my future health and motivation through regular physical activity. I strongly believe that a healthy community relies on residents who embrace healthy habits and strive for ambitious goals through sports and hobbies. During my time in middle and high school, I played football for Wausau Area Home Educators. While I have since transitioned away from competitive sports, I have maintained my health and athleticism by engaging in regular exercise at my local gym. Stephan Laurence Wolley was fortunate to have the opportunity to participate in sports and inspire others. Unlike many young people, he utilized his athletic abilities to excel in both his academic and competitive pursuits. Although he is no longer able to actively participate, his legacy continues to inspire future generations to follow in his footsteps. One of my primary reasons for pursuing college is to gain valuable experiences as a young person that will set the foundation for greater opportunities in my future adult life. I am passionate about studying subjects that inspire me, which is why I started my higher education journey during high school. Although my ultimate goal is to own a business one day, I recognize the importance of achieving my goals during this season of life first. Currently, I am in the process of completing a two-year associate's degree in business management at NTC. Once I finish my degree, I plan to apply as a transfer student for the business administration program at UWSP. Additionally, I am excited about the opportunity to join the Army ROTC program through UWSP. I plan to continue serving in the reserves after graduation while also establishing a civilian position in administration and finance in my hometown. During my time in school, I am considering the possibility of working part-time in a position related to my field of study. This will not only provide me with practical experience but also contribute to my financial stability. Eventually, I hope to pursue an employment position that holds political value in the city where I reside. Above all, as I see my dreams become reality, my ongoing goal in life remains centered on sharing God's love as a light in my community. I believe in the power of spreading positivity, compassion, and understanding as a means to inspire others and make a positive impact. To all the readers and kind donors, thank you for your support. Sincerely, Rick (RJ) Kluck

Exploring the Cosmos Introduction For centuries, the vast and mysterious universe has captured human curiosity. There is an inherent desire within us to unravel its enigmatic nature and give our existence unquestionable purpose. In this essay, we will explore the significance of understanding the universe and discuss key concepts and ideas that can aid in this pursuit. Body 1. The Human Quest for Knowledge Humanity has always strived to expand its knowledge and push the boundaries of the unknown. Investigating the nature of the universe serves as a gateway to enlightenment and inspiration. Through the pursuit of cosmology and astrophysics, we gain insights into the fundamental nature of matter, energy, time, and space. By advancing our understanding of the universe, we can develop comprehensive perspectives of our place within it, nurturing intellectual growth and expanding our worldview. 2. Practical and Technological Advancements Efforts to unravel the secrets of the universe often lead to significant technological advancements. Delving into astrophysics and cosmology has spurred groundbreaking developments in fields such as computing, optics, and materials science. Research aimed at comprehending the nature of the universe drives us to develop sophisticated telescopes, algorithms, and computational models. These innovations benefit various industries, from healthcare to energy and transportation, and have profound implications for human progress. 3. Fundamental Curiosities The universe presents a myriad of fundamental questions that ignite human curiosity. For instance, how did the universe come into existence? How is matter formed? What is the nature of dark matter and dark energy? Such inquiries drive scientists to search for answers and assist us in unraveling the mysteries of our existence. By exploring these fundamental questions, we gain insights into the nature of reality and our purpose within it. 4. Inspiring Scientific Literacy A better understanding of the universe is crucial in fostering scientific literacy among the general population. Concepts such as black holes, the expanding universe, and quantum mechanics inspire young minds to pursue careers in science and engineering. By promoting science education and making scientific discoveries accessible to all, we can create a society that values empirical knowledge, critical thinking, and evidence-based decision-making. This can push society towards progress and prosperity. 5. Science and Religious Perspectives Science has been guided for centuries by individuals who believed in God or were previous believers. Christianity recognizes Adam, Eve, and the Garden of Eden as the beginning of humanity, crafted by God, who is not yet "materially proved" by science. Christianity is still the leading force of theological and philosophical concepts that describe the fundamental sources of universal existence. Although the material presence of God cannot be physically proven, Christianity continues to conquer the trust of humans who believe in its perspective. Concepts and Ideas to Employ a. Observational Astronomy Utilizing sophisticated telescopes, scientists can study celestial objects across the electromagnetic spectrum. By acquiring comprehensive data, they can discern patterns, draw correlations, and formulate theories that elucidate the workings of the cosmos. b. Particle Physics Investigating subatomic particles and high-energy phenomena provides insight into the underlying physical laws governing the universe. Particle accelerators, such as the Large Hadron Collider, enable us to unravel the nature of matter and test existing theories. c. Cosmological Models Developing mathematical and computational models helps simulate the evolution of the universe from the Big Bang to its current state. These models aid in addressing fundamental questions related to the expansion rate, composition of the universe, and the nature of dark matter and dark energy. d. Interdisciplinary Collaboration Encouraging collaboration between diverse scientific disciplines such as astrophysics, mathematics, biology and chemistry fosters a holistic understanding of the universe. This interdisciplinary approach allows researchers to approach complex problems from multiple perspectives, leading to more comprehensive and insightful discoveries. e. Religious Studies: Early centuries of scientific study were guided by scientists who believed in God or were previous believers. Science is directly related to Christian fundamentals when it comes to addressing existential concepts. Modern scientific research may consider ancient studies involving philosophical applications to explore additional perspectives beyond data collected from the most recent traces of creation. Greek philosopher Parmenides stated, "We can speak and think only of what exists" which aids in understanding that scientific data can only rely on material proof which will never justify the constant presence of matter in the universe without somehow being created. Conclusion Understanding the nature of our universe moves beyond a mere pursuit of knowledge; it holds immense practical significance. Through intellectual advancement, technological innovations, and the desire to answer fundamental questions about our existence, we pave the way for the progress of our civilization. Concepts and ideas like observational astronomy, particle physics, cosmological models, and interdisciplinary collaboration are key to unraveling the secrets of the cosmos and enhancing our understanding of the universe we call home. To readers and donors, thank you for your kind consideration. Sincerely, Rick (RJ) Kluck

Empowering Financial Literacy: A Non-Profit Financial Consulting Business Introduction: Winston Churchill once said, "We make a living by what we get, but we make a life by what we give." I firmly believe in the power of giving back to the community and its ability to shape a selfless culture that inspires others to make a positive impact on the world. As a full-time business management student at Northcentral Technical College in Wausau, Wisconsin, I am eager to contribute to the general welfare of my local community. This essay outlines my vision for a non-profit financial consulting business, its potential contributions, and the steps required to develop it successfully. Building a Foundation: Growing up in a generous and selfless family, I learned the importance of serving others, even when financial resources were limited. Engaging in community service at a young age through organizations like our church, Riverside Bible Camp, Camp Hope, and the Scouts BSA, I developed a strong sense of compassion, vulnerability, and genuine concern for the well-being of others. These experiences motivated me to pursue a career that aligns with my personal values and aspirations. The Vision of the Business: While I am not yet ready to start my own business due to the need for financial stability and a secure income, I have a vision for the future. Rather than conquering vast customer markets, I aspire to become involved in advising and consulting, helping local consumers make sound financial decisions. My philanthropic dream is to create a consulting business that provides effective financial advice to individuals who cannot afford traditional financial services due to high fees. Contributions to the Community: The financial literacy and responsible money management skills offered by the business would be crucial for individual and community well-being. By empowering individuals with the knowledge and tools necessary to gain control over their finances, reduce stress, and achieve their financial goals, the organization would contribute significantly to the general welfare of the community. Developing the Business: To establish a successful non-profit financial consulting business, several key steps need to be taken: 1. Comprehensive Needs Assessment: Conducting surveys, community meetings, and consultations with residents and local representatives would identify the specific financial challenges faced by the community. This would ensure that the business's services align with the community's needs and priorities. 2. Securing Funding: Investing in grants, donations, and sponsorships from local businesses, philanthropic organizations, and interested individuals is essential to cover operational costs and ensure the sustainability of the business. 3. Gradual Expansion: Starting as a small proprietorship, the business would grow gradually with the possibility of employing staff or recruiting volunteers once the demand and financial resources permit. By taking a gradual approach, the business can ensure quality service delivery and adapt to the community's changing needs. 4. Marketing and Outreach: Effective marketing strategies and awareness campaigns would be critical to reach and engage the community. Utilizing social media platforms, organizing community events, and collaborating with local media outlets would help generate publicity and increase visibility. Conclusion: By establishing a non-profit financial consulting business focused on empowering individuals through financial literacy and personalized advice, I am confident in making a significant contribution to my local community. By conducting a needs assessment, securing funding, gradually expanding the business, and implementing effective marketing and outreach strategies, I can develop a sustainable organization that enhances the financial well-being of community members. Ultimately, this business would enable individuals to make informed decisions, achieve financial stability, and enhance the general welfare of the community. To all the readers and generous donors, thank you for your consideration. Sincerely, Rick (RJ) Kluck

Winston Churchill once said, "We make a living by what we get, but we make a life by what we give." I believe that giving back to the community not only allows us to express gratitude to those who have supported us but also strengthens our moral values and creates a selfless culture that inspires future generations to make a positive impact on the world. My name is Rick (RJ) Kluck and I am currently a full-time student studying business management at Northcentral Technical College in Wausau, Wisconsin. Growing up in a generous and selfless family has instilled in me the importance of serving the community. While my family did not have excess money to give, we dedicated our time to volunteering and helping others. My parents were actively involved at our local church and consistently shared the gospel with our friends and neighbors. Their unwavering selflessness inspired me to engage in community service through organizations such as our church, Riverside Bible Camp, Camp Hope, and the Scouts BSA. Learning to serve others at a young age has cultivated in me a sense of vulnerability, compassion, and a genuine concern for the well-being of others. As a young adult, I remain committed to bringing joy and prosperity to people's lives, even if my actions go unnoticed. Currently, my lifestyle focuses more on personal goals as I prepare for my future professional life. I recently obtained permission to continue living with my parents while I am in school, enabling me to start my financial life early. However, since 2019, I have consistently devoted 400-500 service hours each year to various volunteering opportunities, including those mentioned above. Despite my increased dedication to my personal endeavors this year, I still wholeheartedly contribute to the communities that value and appreciate any help I can provide. In the future, I plan to expand my contribution to giving back on a larger scale. During my time as a student, I am prioritizing the development of my professional network and seeking mentorship from successful individuals who have successfully capitalized on their financial lives while also giving back in unique and impactful ways. My ambition is to one day attain a level of financial stability that will allow me to engage in philanthropy and potentially establish non-profit ventures. While financial literacy is important to me, I also aspire to provide a stable and supportive environment for my future family. My parents' exemplary acts of service have profoundly influenced me, and I am eager to follow in their footsteps to positively impact both my family and community as an independent adult. As I progress through life, I will always remain committed to sharing the gospel and being a disciple to those around me. Engaging in faithful activities and encouraging others to do the same will continue to guide my moral compass. Although challenges are inevitable, I am determined to serve wherever I can in my community, particularly in my church and the Scouts BSA, as well as in other public service initiatives that aim to assist residents in need. I firmly believe that living a life of servanthood will only enhance my compassion and love for others. To the readers and donors, I sincerely thank you for considering my journey. Rick (RJ) Kluck

God has been the center of my heart throughout my life, especially during moments of doubt. Growing up in central Wisconsin, I was fortunate to have a supportive family and access to essential resources as I journeyed through my early years. Living in a rural setting, working on a small farm and attending school, I developed a deep aspiration for exploration, no matter how small in scale. I always aimed to complete my schoolwork as quickly as possible, giving me more time to venture out and immerse myself in nature, getting my hands dirty as I roamed the woods. As I reached middle school, I experienced unique "ah-ha" moments that revealed the preciousness of life. It was during this time that I discovered my faith, which I have relied on ever since. The profound influence of my faith has shaped my character, decision-making, and overall perspective on life, and I firmly believe it will continue to do so as I move forward. My faith in God began in 2011 when God brought my little sister into the world. I was eight years old. I had a deep desire to care for her, show her the wonders of adventure and maybe the little "spots" I would explore in the woods. Since I had simple hobbies and a deep appreciation for the smaller things in life, having a little sister was mind-blowing to me – witnessing a precious human relying on the tender love of our family. Oblivious to my older brother and me, my parents refrained from sharing the news of her health condition. We were blessed to spend a brief ten hours with her before God called her to safety in Heaven. I have never presented my family's experience as a "pity-me" story, but I have always been willing to share it when someone expressed interest in my testimony. It was not until later in middle school that the significance of my little sister truly hit me. I struggled to fathom how fast her life had passed, but eventually, I realized that it was not an end, but the beginning of an everlasting miracle. To this day, as her older brother, I strive to achieve remarkable goals in honor of her legacy, knowing that I can never truly measure up to what she accomplished in her short life. Her presence successfully inspired my family to pursue acts of faith and pursue ambitious goals. Influencing and persuading someone to make a difference is never an easy task, yet she achieved it overnight. Attending events organized by my church and local Christian groups exposed me to the world of evangelization, teaching me the power of vulnerability. It was through this journey that I developed a genuine relationship with Jesus, committing to inspire others as my sister had inspired me. God has always been at the center of my life, but during this period, He deeply impacted my consciousness, transforming my ego into compassion. My faith has given me strength, guidance, and determination during both challenging and easy times. It has empowered me to navigate obstacles, make ethical choices, and cultivate meaningful relationships. As I embrace the changes unfolding in my life and journey towards building a career, I am confident that my faith will continue to inspire and fortify me. It will serve as a constant reminder to remain steadfast, enabling me to overcome adversities and approach my professional endeavors with integrity, compassion, and purpose. Thank you to all who have read my story, and to the donors who may support my journey. Sincerely, RJ Kluck

My goal for pursuing school is to gain an education and an experience as a young adult that will set me up for greater opportunities in my future adult life. I enjoy studying and have been studying higher education since my sophomore year of high school. I am an aspiring business owner, but I want to set myself up for success before making crucial financial decisions. I will start by completing a two-year degree at Northcentral Technical College for Business Management. Once I complete my degree, I will sign for five years of officer training in the United States Navy to complete my Bachelor’s degree in Business Management. When I come home, I will continue my education and specialize in administration, finance, or entrepreneurship and minor in political science. I will also consider working a part-time position consisting of duties that are related to my studies during school. I am not decided on what I want to pursue for a long-term career, but I am interested in entrepreneurship. I have looked into retail sales and e-commerce, but having an influence on other people is where I am confident. Once I complete school, I will pursue a career that has political influence in my community and supports financially unstable people. My dreams are right around the corner, but my ongoing goal in life is to be a light in the community by sharing God’s love. Thank you!

“Service to others is the rent you pay for your room here on earth,” -Muhammad Ali. I see service as an opportunity to share joy. When you serve others, you are not only benefiting them. In the long run, you can reduce personal stress and depression, improve mental stability, and enhance your sense of purpose. I have huge respect for people who struggle in their lives and I love them for who they are, not what they do. I have been in the circumstance needing help myself, and when I serve others, it triggers immense happiness in my life which makes it easier to display how much I really love people. I have been involved in service opportunities for as long as I can remember thanks to the influence my family had on my early life. I have served in my local church for my entire life, the Scouting program for twelve years, National Youth Leadership Training for four years, Camp Hope for six years, Riverside Bible Camp for four years, and People's State Bank community projects for one year. All of these honorable services mainly focus on the development and upbringing of other people in addition to serving community causes. I am fortunate to be part of my service opportunities, but I try not to use my service involvement as a chip on my shoulder to impress or even give myself a comparative advantage in the midst of standing under the spotlight. I have a passion for serving simply because I enjoy unconditionally supporting people around me, but also because I can relate to the cause. I received service countless times in my life so I enjoy giving back as a normal aspect of my life, but more as a duty to God and my country.

In scientific terminology, life is defined as a characteristic that determines the connection between physical and biological entities. In the bible, life is defined as time and opportunity for potential love, and that love is Jesus Christ who God sent to the Earth to pay the ultimate price and die for the sins of all people. What is the point of living without meaning? I believe in God with my whole heart and if I can live a fulfilling life by being a light in my community, it would satisfy me to be remembered for what I represented rather than what I did. When I was younger, I believed in greater things like my faith in God, but I did not live by it passionately. I surrounded myself with people who drug me down and disapproved of what I believed in. Now, those people are my mission. I continue to associate with the same people who were a poor influence in high school, but with a passion to pursue the certainty of their salvation. It is true that Jesus is the way, the truth, and the life, so I will continue to influence others to believe in this unshakable truth. I pray that my legacy will be nothing but a reminder of the love of God even if my name is forgotten. Human life will end one day, but a legacy will not be a requirement for eternal life with God himself. The meaning of my life is to share the gospel and bring as many people with me to heaven when I leave the world one day. I am ambitious to plant a seed of hope in the hearts of people around me for the possibility of an afterlife that does not compare to the struggles in the world.

"If passion drives you, let reason hold the reins." -Benjamin Franklin I am passionate about the simple things in life that make me happy. I am a strong believer in God as a Christian and my ambition to pray, worship, and praise God makes me happy. Having a never-ending hope for a greater life outside of this world keeps me motivated and compassionate about my life. You arrive and leave the world with one thing, and that is love. I prioritize strengthening relationships with family and friends and try to take advantage of every opportunity I can to share the love of God. My faith is the center of my life, but I also enjoy other things, too. I enjoy the opportunity to study and serve others as a college student. I am employed and work with others on a normal basis and enjoy doing my part in supporting my community. I enjoy hunting, fishing, riding ATV trails, snowboarding, playing billiards, playing darts, and Scouting. Scouting is one of the things that make me happy the most. My Scouting experience ultimately helped me discover who I am and what I enjoy. I met hundreds of people and made lifelong friends in the Scouting program. What I learned from Scouting is how to serve others unconditionally. My Scouting experience also instilled my life with leadership qualities and gave me the ability to bring out the best in others. Scouting changed my life, and I will never forget the memories I shared with my fellow Scouters. Life is too short to turn down opportunities like service, freedom, and relationships. I will continue to live with a growing passion for the things I enjoy and, ultimately, will thrive to share the word of God with the people I encounter in my life.

“Service to others is the rent you pay for your room here on earth,” -Muhammad Ali. Muhammad Ali inspires me. I see service as an opportunity to share joy. When you serve others, you are not only benefiting them. In the long run, you can reduce stress and depression, improve mental stability, and enhance your sense of purpose. I have huge respect for people who struggle in their lives and I love them for who they are, not what they do. I have been in the circumstance needing help myself, and when I serve others, it triggers immense happiness in my life which makes it easier to display how much I really love people. I have been involved in service opportunities for as long as I can remember thanks to the influence my family had on my early life. I have served in my local church for my entire life, the Scouting program for twelve years, National Youth Leadership Training for four years, Camp Hope for six years, Riverside Bible Camp for four years, and People's State Bank community projects for one year. All of these honorable services mainly focus on the development and upbringing of other people in addition to serving community causes. I am fortunate to be part of my service opportunities, but I try not to use my service involvement as a chip on my shoulder to impress or even give myself a comparative advantage in the midst of standing under the spotlight. I have a passion for serving simply because I enjoy unconditionally supporting people around me, but also because I can relate to the cause. I received service countless times in my life so I enjoy giving back as a normal aspect of my life, but more as a duty to God and my country.

In scientific terminology, life is defined as a characteristic that determines the connection between physical and biological entities. In the bible, life is defined as time and opportunity for potential love, and that love is Jesus Christ who God sent to the Earth to pay the ultimate price and die for the sins of all people. I am a firm believer in pursuing activities in life that will have a lasting impact on people, but I would rather reflect the name of Jesus over myself. I believe in God with my whole heart and if I can live a fulfilling life by being a light in my community, it would satisfy me to be remembered for what I represented rather than what I did. When I was younger, I believed in greater things like my faith in God, but I did not live by it passionately. I surrounded myself with people who drug me down and disapproved of what I believed in. Now, those people are my mission. I continue to associate with the same people who were a poor influence in high school, but with a passion to pursue the certainty of their salvation. It is true that Jesus is the way, the truth, and the life, so I will continue to influence others to believe in this unshakable truth. I pray that my legacy will be nothing but a reminder of the love of God even if my name is forgotten. Human life will end one day, but a legacy will not be a requirement for eternal life with God himself. I hope to leave a seed of hope in the world that can be pursued for the possibility of an afterlife that does not compare to the struggles that burden people in their lives.

My name is RJ Kluck, I am 18 years old, a high school (home school) graduate of 2021, and a freshman at Northcentral Technical College. I live in the great outdoors of central Wisconsin on a farm with my mom, dad, and older brother. I was given valuable, irreplaceable opportunities growing up and now I have entered a new phase of life in college. I wish to positively influence people's outlooks of life to better the future attitude of the world. My goal for pursuing school is to gain an education and an experience as a young adult that will set me up for greater opportunities in my future adult life. I have enjoyed studying higher education since my sophomore year of high school. I am an aspiring business owner, but I want to set myself up for success before making crucial financial decisions. I will complete a two-year degree at Northcentral Technical College for Business Management. After completing my degree, I will sign for five years of officer training in the United States Navy to complete my Bachelor’s degree in Business Management. After coming home, I will continue my education and specialize in administration, finance, or entrepreneurship and minor in political science. I will work a part-time position consisting of duties that are related to my studies. Once I finish school, I will pursue a career with political influence in my community that supports financially unstable people. In addition to my educational and professional life, I have dreamt about raising a family one day, but I am open to starting that full-time commitment when I can devote enough time to a relationship. My dreams are right around the corner, but my ongoing goal in life is to be a light in the community by sharing God’s love. Thank you!

The things in my life that make me happy are the simple things. I am a strong believer in God as a Christian and my ambition to pray, worship, and praise God makes me happy. Having a never-ending hope for a greater life outside of this world keeps me motivated and compassionate about my life. There is only one thing you arrive and leave the world with, and that is love. I prioritize my relationships with family and friends and try to take advantage of every opportunity I can to share the love of God. My faith is the center of my life, but I also enjoy other activities, too. I enjoy the opportunity to study in college in addition to taking credit from prior learning. I am employed and work with others on a normal basis and enjoy doing my part in working in my community. I enjoy hunting, fishing, riding ATV trails, snowboarding, playing billiards, playing darts, and Scouting. Scouting is one of the things that make me happy the most. My Scouting experience ultimately helped me discover who I am and what I enjoy. I met hundreds of people and made lifelong friends in the Scouting program. What I learned from Scouting is how to serve others unconditionally. My Scouting experience also instilled my life with leadership qualities and gave me the ability to bring out the best in others. Scouting changed my life, and I will never forget the memories I shared with my fellow Scouters. Life is too short to turn down opportunities like service, freedom, and relationships. I will continue to live with a growing passion for the things I enjoy and, ultimately, will thrive to share the word of God with the people I encounter in my life.

A difficult situation I experienced was when I had to demonstrate leadership as the Senior Patrol Leader in National Youth Leadership Training. This responsibility, and honor, required complete knowledge of the NYLT course and how to convey that information to the participants while overcoming my own failures and struggles, the struggles and accommodations of the participants, and having the ability to train, delegate, and lead my lineup of staff. The main obstacle I faced while working in this position was my self-doubt and criticism. I almost always had thoughts in my head of negative perceptions against my personal image which I, ultimately, discouraged myself by believing. My scoutmaster and I had a conversation in the middle of course week after the staff meeting at midnight that changed my attitude. He reassured me that I was doing an amazing job, but I was not giving myself enough credit. He said it is impossible to lead others without leading yourself. After our conversation, I blocked out the negative thoughts that were hindering my ability to lead others. I provided leadership to my staff and troop for the remainder of the week and never slowed down. The end of the week came and I could not fathom thinking the course was over. I was approached by participants witnessing to me that the things I taught, the way I taught, and the impact my example had on them, changed their life. The last obstacle I had to overcome was saying goodbye and seeing the people I established relationships with leave to be leaders of their own.

“Music is the universal language of mankind.” -Henry Wadsworth Longfellow. Can you imagine life without music? Music can be found practically anywhere in everyday public life. Grocery stores, workplaces, restaurants, etc., all provide music to lighten the mood and maximize the visiting experience. Music has a verbal power that triggers changes in the neocortex of our brain which determines perception, decision making, and thoughts. By listening to music, humans can potentially release neurotransmitters and dopamine which ultimately alters emotional mood and relieves stress. Although, I believe music has power beyond our emotional perceptions. The bible says, "My lips will shout for joy when I sing praises to you; my soul also, which you have rescued." Psalm 71:23. Song is the highest form of prayer other than adoration with God himself and when one is sharing music with or for God, the emotional and spiritual events are miraculous. God has given us the gift of song to provoke thoughts and words that transform our outlooks on life keeping us on the right mental track. A song that inspires me is "Home" by Phillip Phillips. The lyrics touch my heart since they talk about overcoming struggles and never being alone. "Just know you're not alone" is a phrase that is written three times throughout the song which reminds me that reassurance of this truth is so important for bringing people up when they are struggling. I have always thought of my relationship with God whenever I hear this song. I experienced life changing events where I learned who I was and what I enjoyed when I first heard this song, which is why I respect it so much. Whenever I listen to this song, all I experience is goosebumps and flashbacks from when I overcame life changing events years ago.

My Scouting experience ultimately helped me discover who I was and what I enjoyed. I met hundreds of people and made lifelong friends. What I got out of Scouting was how to serve others unconditionally. My Scouting experience also instilled the senses of leadership in my life and gave me the ability to bring out the best in others. Scouting changed my life and I will never forget the memories I shared with other Scouters. Through my lifetime, I learned a few things about myself that I once wanted to change, but never could or did. I am a sensitive, kind, submissive, and empathetic person. The reason I wanted to change these things about myself is because I could never relate to other guys my age. Having these personality traits had their downfalls including being easily offended, negative self judgement, and intimidation by other people. I discovered that I did not have many brothers in my life that shared the same personality traits that I do which made me feel alone and ignored. What I did not know is what these qualities would do for my future. I began serving public volunteering opportunities including Scouting camps, bible camps, and a grievance camp. I was able to connect with people who were struggling in their lives by opening up the door to conversations with the personality traits I had. I eventually accepted what I learned about myself and not only admired the values of other people, but the values of myself also. “I am larger, better than I thought; I did not know I held so much goodness,” -Walt Whitman.

The things in my life that make me happy are just that, the simple things. I am a strong believer in God as a Christian, Roman Catholic. My ambition to pray, worship, and praise God makes me happy. Having a never ending hope in a greater life outside of this world keeps me motivated and compassionate about my life. There is only one thing you arrive and leave the world with, and that is love. I prioritize my relationships with family and friends and try to take every opportunity to share the love of God. My faith is the center of my life, but I also enjoy other activities, too. I enjoy the opportunity to study in college in addition to taking credit from prior learning. I am employed and work with others on a normal basis and enjoy doing my part in working in my community. I enjoy hunting, fishing, riding ATV trails, snowboarding, playing billiards, playing darts, and Scouting. Scouting is one of the things that make me happy the most. My Scouting experience ultimately helped me discover who I was and what I enjoyed. I met hundreds of people and made lifelong friends. What I got out of Scouting was how to serve others unconditionally. My Scouting experience also instilled the senses of leadership in my life and gave me the ability to bring out the best in others. Scouting changed my life and I will never forget the memories I shared with other Scouters. Life is too short to turn down opportunities like service, freedom, and relationships. I will continue to live with growing passion for the things I enjoy and, ultimately, will thrive to share the word of God with the people I encounter in my life.

A large majority of Americans have an emotional connection with money, and when they do not have it, they claim to “struggle.” Forty-six percent of Americans claim they struggle financially. Fifty percent of Americans claim they could not cover a four-hundred-dollar emergency expense. And finally, only thirty percent of Americans claim to be investing in their financial future. I started working at People’s State Bank in February of 2021. Working at the bank is enjoyable, but also one of the most disheartening jobs I have ever pursued. I cannot say how hard it is to see customers cash their paychecks every week, ask about overdraft fees, pull loans they cannot afford, and struggle just to stay above zero in their bank account. Nothing has been more difficult to do other than being the bad news to people every week. I am often asked by customers “if that stimulus check came” or “did my paycheck clear” or, the hardest to hear, “do I have anything left.” The simple answer to the four hundred billion dollars’ worth of struggling Americans is how financial literacy is prioritized. Anyone who has liberty and freedom in America can create a lifestyle that can thrive from their income or pursue an income that will sustain their lifestyle. How do you achieve financial freedom? Invest in what you need, and not what you want. I personally have a basic budgeting and investment practice both of which I learned from Dave Ramsey. The “Baby Steps” model and fifteen percent investment of income rule. My favorite step from Dave Ramsey’s “Baby Steps” is being outrageously generous. I am not even close to that step, but in the meantime, I can encourage my friends and family to pursue responsible financial habits.

In scientific terminology, life is defined as a characteristic that determines the connection between physical and biological entities. In the bible, life is defined as time and opportunity for potential love, and that love is Jesus Christ who God sent to the Earth to pay the ultimate price and die for the sins of all people. I would rather reflect the name of Jesus over myself. I am a strong believer in God and if I can live a fulfilling life by being a light in my community, it would satisfy me to be remembered for what I represented rather than what I did. When I was younger, I believed in greater things like my faith in God, but I did not live by it passionately. I surrounded myself with people who drug me down and disapproved of what I believed in. Now, those people are my mission. I continue to associate with the same people who were a poor influence in high school, but with a passion to pursue the certainty of their salvation. It is true that Jesus is the way, the truth, and the life, so I will continue to influence others to believe in this unshakable truth. I pray that my legacy will be nothing but a reminder of the love of God even if my name is forgotten. Life will be complete one day and a legacy will not be a requirement for a life of eternity with God himself.