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Did you know that in a 2025 survey, more than half of high school juniors and seniors (54 %) said they feel completely unprepared to manage their financial futures. If you’re a teen staring at your first paycheck, it can feel tempting to blow it all on food and friends, but money choices you make now shape your adult life. This guide will help you master budgeting, saving, and emergency planning—three skills that will set you up for a financially successful future. Budgeting

Have you noticed how much the cost of a Chipotle burrito has increased over the last few years? In my city, I now pay about $20 to get one (with queso of course)! Inflation has a significant impact on our everyday lives. Understanding Inflation Inflation is a powerful counterforce against monetary growth. It is the general rise in prices of goods and services over time, which decreases the purchasing power of money. The U.S historically has an inflation rate of 2%-3% per y

Think of your credit score as your financial GPA. Every bill you pay on time is like an A, every missed payment is like an F, and just like school, your average matters when it comes to future opportunities. Credit & Debt Management               A credit score is simply a three-digit number between 300 and 850 that predicts the plausibility of you paying back a loan on time. Credit scores are calculated by looking at your financial history, aka your credit report. Your credi

Teens, myself included, often make money mistakes because we lack experience managing finances. The number one issue run into by teens is spending an excess amount of money on “wants”. This can be constantly going out to buy food or indulging in expensive daily habits. For example, buying daily lattes adds up—$5 a day = $150 a month. With the instant gratification of making a purchase, and the justification that comes with it that you made the money, saving for the future is