Personal Finance for Teens

The Comprehensive Beginner's Guide to Responsible Spending and Saving, Stress-Free Budgeting, and Attaining Financial Freedom

By: Les Warner

Narrated by: Luke Oldham

Length: 3 hrs and 51 mins

Publisher's summary

Afraid of adulting? Unlock the secrets to taking control of your cash and setting yourself up for a future you'll actually look forward to!

Hey, you get it—money talk is boring, right?

But what if mastering a few simple skills could let you call the shots in your life?

Imagine snagging that dream car without sweating over payments.

Or picture treating your friends to a killer weekend at that amusement park and not stressing about how to cover it.

Maybe even a spontaneous beach trip.

Believe it or not, these aren't just dreams—they can be your reality.

Here’s where it gets real, though: Shockingly, 61% of Americans live paycheck to paycheck. And it starts young.

A lot of teens have no clue about handling their cash.

So when they grow up, they end up like Jake.

The guy who had to skip the epic road trip last summer because he was broke. The one who keeps missing out because he didn’t understand the value of a dollar.

Don’t be a Jake.

We all have a Jake in our lives, and while we might feel sorry for him, you can decide right now not to be one.

You have the power to take control of your finances today, so when tomorrow comes, you're the one calling the shots.

Inside this teen-friendly guide to personal finances, you'll discover:

• How to tell wants from needs: master this, and you won't blow your cash on stuff you'll regret
• Effective ways to budget like a boss – yeah, it sounds dull, but it's the secret sauce to affording the fun stuff. Find out how to make a budget that still lets you live your best life!
• Rock-solid savings plans – saving just a bit here and there can add up to big fun later. Yep, even a Netflix subscription can be guilt-free!
• College prepping 101: scholarships, grants, and loans – make college less of a financial horror show
• How to grow your money tree and why investing isn't just for old people – get the lowdown on making your money work for you
• The ABCs of banking and credit – ever wondered how to not get ripped off by banks or get into credit card trouble?
• Insurance and future you – find out why you need it and how to get it without the headache

And much more!

Life’s way too short to stress over dollar bills.

When you know how to manage your money, you get to decide what your life looks like.

No more missing out. No more what-ifs.

Just a future you’ve built, on your own terms. Are you in?

If you’re ready to say goodbye to money stress and hello to a life full of possibilities you’ve actually planned for, then scroll up and click "Add to Cart" right now.

PLEASE NOTE: When you purchase this title, the accompanying PDF will be available in your Audible Library along with the audio.

©2023 Jordon Little (P)2024 Jordon Little

A great guide for young adults

Learning about financial planning may sound boring, but can actually be fun and empowering. This teen-friendly guide encourages young adults to master personal finances, from distinguishing wants from needs to budgeting in smart ways. I thought the chapter on earning extra money was helpful, offering valuable insights on saving for school while building a resume.

Set your Teen up for financial freedom!

This is such a needed listen for all teens and young adults. The author does a fantastic job teaching financial literacy in a way that is entertaining and also incredibly insightful. Forget about stuffy lectures, this audiobook is for the modern generation who want to take control of their financial destinies. I played it for my nephews and they were taking notes, listening to complex financial concepts, and getting it, and ready to start. budgeting and saving for their future cars and life! This book really has it all from how to deal with the expenses of college to insightful tips on how to grow your money and covers crucial discussions on things such as insurance all in a way that made it fun to learn. Highly recommend you buy as a gift for the teen and young adult in your life!

Great strategies for growing your money

This guide is a must-listen for any teenager looking to take control of their financial future. It takes the often dull topic of money management and turns it into an engaging and informative journey. The book covers everything from distinguishing wants from needs to effective budgeting, savings, and investing plans, making complex financial concepts easy to understand. It's like having a knowledgeable friend guide you through the ins and outs of responsible spending, college preparation, investing, banking, and credit. After listening you are sure to feel significantly more confident about handling your finances wisely

Great information!

Learning about financial planning might not immediately seem like the most exciting topic, especially for teenagers who are often more focused on the here and now rather than long-term financial goals. However, diving into the world of personal finance can be both engaging and incredibly beneficial. This guide is crafted with young adults in mind, aiming to make the subject accessible, enjoyable, and, most importantly, empowering.

One of the foundational lessons in financial literacy is understanding the difference between wants and needs. This distinction is crucial for effective budgeting and long-term financial health. Needs are essentials, such as food, shelter, and clothing, whereas wants are things that enhance our lives but aren't necessary for survival. By grasping this concept early on, teenagers can make informed decisions about their spending, which is the first step toward financial independence.

Budgeting is another key aspect covered in the guide. It's not just about tracking expenses or cutting back on spending; it's about making money work for you in the most efficient way possible. Smart budgeting involves setting priorities, planning for both short-term and long-term goals, and finding a balance that allows for savings while still enjoying life's pleasures. The guide offers practical tips and tools for creating a budget that reflects personal goals and lifestyle, making it a relatable and useful resource for young adults.

Perhaps one of the most engaging chapters for teenagers is the one on earning extra money. In today's gig economy, there are more opportunities than ever for young people to earn money outside of traditional part-time jobs. This section provides innovative ideas for making money, from freelancing and online businesses to gig apps and creative endeavors. Not only can these opportunities bolster a teenager's income, but they also offer valuable experiences that can enhance a resume, teach responsibility, and instill a strong work ethic.

Moreover, this chapter emphasizes the importance of saving, particularly for significant future expenses like college education. It offers strategies for setting aside money, no matter how small the amount may seem, and shows how consistent savings can grow over time thanks to the power of compound interest. This forward-thinking approach encourages teenagers to take control of their financial future, making the daunting task of paying for education more manageable.

In summary, this teen-friendly guide transforms the seemingly mundane topic of financial planning into an exciting journey of empowerment. By breaking down complex concepts into digestible, relatable content, it equips young adults with the knowledge and skills they need to navigate their personal finances confidently. From understanding the basics of budgeting to exploring creative ways to earn and save money, this guide lays the foundation for a lifetime of financial well-being.

A Practical Guide for Teen Money Management

"Personal Finance for Teens" offers a practical guide to financial literacy, addressing the common fear of adulting and emphasizing the importance of early financial education for teens. The book covers key skills such as distinguishing wants from needs, effective budgeting, and building savings plans. It also addresses relevant topics like college preparation, investing, banking, and credit in a straightforward manner, making complex concepts accessible to young readers. The audiobook is an accessible resource for teens looking to take control of their finances and make informed decisions for a secure financial future.

great book

This is a super book. Really easy to listen to and covers a lot of information. This is a great gift for anyone younger to get a handle on how this works at an early age. It is written in a fun way and keeps your interest throughout. I recommend this to anyone.

Essential and Highly Practical Guide

Financial literacy is important for everyone, and learning at a younger age can pay big dividends (if you don’t mind the metaphor). The problem with many financial literacy books, including those for teens, is that they focus on abstract, high-level concepts without making these concepts concrete or giving practical advice. Les Warner’s fantastic, educational, and easy-to-understand book is the antidote and is a must-read for teenagers (and probably many adults). Filled with real-world examples and practical strategies, this book packs a lot of punch, covering budgeting, spending decisions, saving, investing options, banking accounts, paying taxes, buying insurance, protecting online accounts, and much more.

Warner provides clear reasons for his advice and explains the simple but essential steps to follow. Moreover, the narration captures the author’s supportive and educational tone. One of the things I particularly appreciate is the way the book connects the dots between different concepts, creating the opportunity to reemphasize the importance and relevance of concepts. For example, the chapter on savings mentions vehicles for savings as part of its discussion of having money for short-term goals, long-term goals, and emergencies, while the chapter on savings and investment products reminds the listener of those reasons to save and how different products relate to achieving different goals. Similarly, the chapter on managing debt dovetails nicely with the chapter on types of debt and the importance of your credit score.

They Don't Teach this in School

This is a great beginner book for understanding personal finance. Teens are not being taught this in school, so it's up to parents or the teen themselves to learn.

Don't learn about good money habits by trial and error! This audiobook is a great tool for getting off to a great start in life.

Financial Literacy for teens-very educational book

Financial Literacy is hidden for most teens, for that matter for most people, and not included in the school curriculum. This creates an income gap, so we usually hear the 1% referred to as very few but rich. This book bridges that gap and breaks down the money game in an exciting and achievable way for teens. It beautifully paints the want Vs. Need dilemma, which is essential for budgeting. It also discusses budgeting basics, saving strategies, college preparation, banking and credits, and insurance insights, to mention a few. Imagine your teen knows all of these and can compound their money; that would be a great way of creating wealth. Interesting and Educational.

Empowering Teens with Financial Knowledge

"Personal Finance for Teens" is a gem on Audible.com, offering a comprehensive guide to responsible spending, stress-free budgeting, and financial freedom. The catchy title accurately represents the valuable content within. The narrator's clear articulation makes it easy to absorb the financial wisdom shared. This audiobook equips teenagers with essential skills to navigate their financial journey successfully. It breaks down complex financial concepts into manageable steps, ensuring young listeners can make informed financial decisions. An empowering resource for teens and parents alike.