Episode 3: Spending Smart: Needs vs. Wants

In this episode of Start Money Smart, host Reagan breaks down one of the most important — and most overlooked — money habits: knowing the difference between needs and wants. Whether you’re spending your allowance, your first paycheck, or anything in between, making smart spending choices starts with asking the right questions.

You’ll learn:

• What counts as a need vs. a want (and why it matters)

• A simple pause technique that helps you avoid impulse buys

• A fun “Spending Showdown” quiz to test your money smarts

• How to make intentional choices that support your goals

This is a must-listen for students, parents, and anyone looking to build lasting money habits. Hit play and start spending smart—on purpose.