Middle Schoolers

Do You Know Why It’s Important to Start Learning About Finance Early?

Learning about money early helps you make smart choices and build confidence about your future. Budgeting teaches you how to plan and use your money wisely so you can reach your bigger goals- whether it’s saving for a new gadget, helping your family, or investing for the future.

When you make a plan for your money, you’re in control of what you spend, save, and grow.

Steps to Take to Control Your Money

1. Register for Our Upcoming Sessions
Join one of our upcoming sessions to learn the basics of Budgeting, Saving, Investing, and Money Accounts. You’ll gain skills that will help you manage your money today, and for years to come.

2. Open a Checking Account
Do you earn money from chores, babysitting, or summer jobs? Ask your parent or guardian to help you open a checking account.
Learn to budget your money using the 50/30/20 rule:

• 50% for Needs (like supplies or gifts for others) 

• 30% for Wants (fun things!)

• 20% for Savings (your future self will thank you!)

3. Open an Investment Account
With a parent’s help, open a custodial investment account through a trusted brokerage like Fidelity or Charles Schwab. Set aside a portion of your savings to invest and watch your money grow along with the stock market.

4. Open a Custodial IRA Account
If you earn money from summer jobs, tutoring, or babysitting, you can start saving for retirement now! Work with your parent to open a custodial IRA account and contribute a small portion of what you earn.
It’s never too early to build long-term wealth and develop strong financial habits.