My Florida C F O

Fellow Floridians:

Every April, our Department recognizes Financial Literacy Month. We know the positive impact that sound financial practices have on individuals and families and, inversely, the negative impact that poor financial choices bring. Finance Your Future

We know that, sometimes, people wind up in financial trouble because they make decisions before they have all of the facts. This can happen to anyone, regardless of age, socioeconomic status or ability. Think about when you first financed a car, did you know you could shop around for the best interest rate? Or, did you ever miss a credit card payment without realizing that it could leave a mark on your credit report for up to seven years? What about your A module from Finance Your Futurehome? Did you know how much you could personally afford, or did you trust that the bank wouldn’t approve you for more than you could handle repaying?

Now, imagine that you made fewer, if any, financial blunders because you were well informed about most of the variables for each of your financial decisions before you made them. Imagine that your children can have that experience. We want to help bring this image to reality for the next generation of Florida’s youth. That’s why we created and recently launched Finance Your Future. The program offers a comprehensive look at what it takes to manage personal finances, from writing a budget to selecting insurance. While it’s geared toward teens and young adults, older adults can also benefit from the information covered. Finance Your Future, just like all of the other financial education programs we offer, is free and available to every Floridian online.

Having the right information can help prevent financial missteps that can have lasting effects. That’s why the Department has put together a multitude of resources to help Floridians learn as much as they can about the financial decisions they are considering. Our Your Money Matter$ website is an excellent resource for the wide range of financial decisions you may be facing. From information on purchasing a home, to credit card management and identity theft, to everyday saving and spending, information on Your Money Matter$ can help prevent financial problems that can occur as a result of gaps in your financial understanding.

I encourage you to take advantage of the many resources on Your Money Matter$ and to share Finance Your Future with a young person you love. Make your financial decisions with confidence. Let us help provide the information you need to do that.


Jeff Atwater
Chief Financial Officer
State of Florida

Florida's Bottom Line Financial Magazine and WebsiteFlorida's Bottom Line graphic

A one-stop shop for the latest news and valuable insight on Florida's economy and financial health, Florida's Bottom Line is CFO Atwater's award-winning quarterly economic magazine and website.

Florida’s economy is on the right track: private sector job growth has increased and outpaced the nation; the housing market continues to grow; and our unemployment rate has fallen to its lowest level in eight years. This economic momentum sets the stage for Florida to continue its hard work throughout 2017.

The current edition of Florida’s Bottom Line gives an economic forecast and expert analysis on Florida from a leading economist, insightful outlooks on key emerging trends, and a look back on Florida’s economic achievements in 2016. Past editions are available in our archive, along with infographics, special reports, small business resources, a financial toolbox, the latest Florida financial news, and detailed charts displaying the trends of Florida's economy and jobs over the past eight years.

For updates on Florida's economy, please visit

Florida Economic Briefs

Florida’s unemployment unchanged in February
Florida’s unemployment rate was 5.0 percent in February, unchanged from January (5.0 percent) and unchanged from February of last year (5.0 percent). Florida’s unemployment is currently higher than the U.S. unemployment rate of 4.7 percent.
Source: U.S. Bureau of Labor Statistics

Florida’s earnings growth fourth highest in nation
In a recent report from the U.S. Bureau of Economic Analysis, Florida’s earnings growth increased 6.2 percent from 2015 to 2016, which was the fourth highest growth rate in the nation. Earnings growth is the sum of wages, salaries, supplements (tips, bonuses, etc.), and proprietors income minus contributions to government social insurance. The industries that were the leading contributors to Florida’s strong earnings were professional, scientific and technical services, and health care and social assistance.
Source: U.S. Bureau of Economic Analysis