Let’s be real – money can feel complicated. And it’s not like schools always teach you how to budget, use a credit card, or avoid going broke. But here’s the good news: you don’t have to wait until you’re older to get smart with your money. The sooner you start, the easier it gets.
So, whether you just got your first job, you’re saving for something big, or you want to avoid being stuck with debt later – this is for you.
Know where your money’s going
It’s super easy to spend money without realizing it – $5 here, $12 there – and suddenly your paycheck is gone.
Try this:
- Track everything you spend for one week – you might be surprised
- Use a notes app or free budgeting app
- Go old-school and keep a spending journal and check it weekly
Build a budget (even a simple one)
Budgeting doesn’t have to be complicated. Just split your money into a few buckets:
- Save some… yes, even if it’s $10
- Spend some on things you enjoy
- Set some aside for future goals like a car, tech, or college
Even $5 a week adds up. That’s over $250 a year, with no extra effort.
Don’t fall for credit card traps
Credit cards seem like free money… until the bill shows up. If you don’t pay it off, interest builds fast, and debt gets out of control.
Remember:
- Credit is a tool, not a cheat code
- Only borrow what you can pay back right away
- Your credit score starts early – it can affect your future car, job, and apartment
Learn the basics – before you need them
A lot of adults say they wish they’d learned more about money when they were younger. Now’s your chance.
Things worth looking up:
- How interest works, especially compound interest
- What a credit score is
- How checking and savings accounts work
- Why saving now pays off later
Spoiler: Your future self will thank you.
Start small, think big
Don’t worry about having everything figured out. Just start. Learn a little. Save a little. Ask questions. Mistakes happen – but when you know better, you do better.
Need help? Your Rize team has your back.
We offer free financial coaching, tools to help you save, and even teen-friendly accounts to get you started. We’re here to make money less confusing – and way more empowering. Just reach out through chat or make an appointment!