Superheroes are pretty darn amazing when it comes to saving the free world. But they're not all quite so clever about managing their money.
That's why the National Endowment for Financial Education, a nonprofit organization in Denver, issued a statement this week to offer the summer's hottest big-screen heroes some advice -- and give movie-watching consumers a few tips, too.
"The Avengers" brings together a group of film heroes from years past, some of whom have been "out of work," so to speak, for quite some time. Captain America, for one, fought in World War II, but then spent nearly 70 years in a coma-like sleep, until he was revived by agent Nick Fury.
Workers facing a long period of unemployment should take time to understand their severance package, consider their eligibility for unemployment insurance benefits, manage their spending and try to maintain good credit habits, the NEFE advises.
Peter Parker, aka Spidey, uses his web-slinging agility to fight crime in "The Amazing Spider-Man." After losing his parents at a young age, he was raised by his guardians, who themselves struggled to make ends meet.
Parents or guardians raising children of any age should draft a will or revise an existing one to name one or more guardians to raise their child or children and manage their finances, if the need occurs, the NEFE suggests.
In "The Dark Knight Rises," Bruce Wayne, Batman's billionaire secret identity, is faced with hanging up his cape and retiring from a life of crime fighting.
Wayne might be a billionaire, but it doesn't take a super-sized income to save for retirement, according to the NEFE. Nonsuperheroes should calculate an appropriate level of savings, based on their expected years of employment and sources of retirement income, and consider making use of tax-advantaged retirement accounts as well as employer-sponsored retirement plans.
"The starring characters of this summer's big-budget movies might exist in a fantasy world, but by watching these stories, nonsuper citizens can take away some financial planning tips that apply to their own lives," the NEFE said.
No mask or cape required.