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Teenagers and young adults

Teens and young adults generally start to earn money and make decisions on their own. Adult supervision, guidance, and feedback can help them navigate successfully.

Has your teenager set a goal, looked up missing facts, and followed through to reach it?

At this age, independent decision-making is a money milestone that you can watch for, and help your child reach. 

See more about the skills, habits, and attitudes your child is working on in the teen years

Money ideas to talk about and try out with your child


Say: Money comes out of your paycheck for taxes and employee benefits like healthcare or retirement.


Say: Once you have a habit of saving, keep going until you have enough for rainy days ahead.


Say: You can set and plan for short-term goals and for long-term goals.


Comparison shopping applies to things like investments and colleges, not just things in stores.


Say: Pay off your credit cards in full to avoid fees and interest that could cost more than you planned.


Say: Insurance helps you protect things you have that would be expensive if something goes wrong.