High Schoolers

Do You Know How to Build a Strong Financial Future in High School?

High school is the perfect time to take charge of your money and start building smart financial habits that last a lifetime. Learning to budget, save, invest, and build credit early gives you a head start toward independence and financial freedom.

When you manage your money with intention, you’re not just saving for today -you’re investing in your future self. 

Steps to Take For Secure Future

1. Join Our Financial Literacy Sessions
Register for one of our sessions to learn more about Budgeting, Saving, Investing, Credit, and Financial Planning.
You’ll gain tools to make confident money decisions now, and set yourself up for long-term success.

2. Open a Checking and Savings Account
If you haven’t already, open your own checking and savings accounts (with your parent or guardian). Use them to manage paychecks from summer jobs, tutoring, or internships. Start practicing responsible money management: track your spending, build a small emergency fund, and avoid unnecessary debt.

3. Start Investing Early
Open a custodial or teen investment account through a provider like Fidelity, Charles Schwab, or Vanguard.
Invest a portion of your income or savings regularly. Even small amounts can grow significantly over time through compound interest - one of the most powerful tools in finance!

4. Open a Custodial IRA Account
If you have earned income, consider starting a Roth IRA with the help of your parent. Contributions grow tax-free and can make a huge impact on your future savings. It’s one of the best early financial moves you can make.

5. Build Your Credit Wisely
Ask your parent to add you as an authorized user on a credit card or consider a secured credit card (with supervision). Use it responsibly to start building credit history- pay on time, keep balances low, and never spend more than you can repay. A good credit score will help you later with car loans, apartments, and even jobs.

6. Learn About Scholarships and Financial Aid
Start researching college costs, scholarships, and financial aid options. Understanding how student loans work and how to minimize debt is a key part of smart financial planning.

Remember: The earlier you start, the stronger your foundation will be.
Money isn’t just about numbers -it’s about freedom, confidence, and choices.