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Across 2. Person who owes money 7. Source of government revenue 8. Expenses that stay the same 10. Income after taxes and deductions 13. Safeguard against loss due to fire, theft or other damage 15. Famous personal finance coach 17. Something that is owed or due 18. Expenses that change 19. A savings and spending plan 20. Regular payment from employer to employee

Down 1. Income before taxes and deductions 3. Your long-term financial goal 4. Maximum percentage of net income spent on housing 5. Institution that receives and loans money 6. Your medium-term financial goal 9. Money spent on something 11. Special loan used to buy a home 12. Synonym for net income 14. Ramsey says, "Save $1,000 in this fund ASAP!" 16. Professional that helps people buy homes