Teen years are real life with training wheels… except everything costs money and nobody hands you a map.

One “small” spend turns into “where did my money go?” One impulse buy turns into regret. One buy-now-pay-later decision turns into payments you forgot existed. You get your first paycheck and it feels like freedom… until taxes, fees, and real-life costs show up and start eating it.

Teen Sense Money is the teen-ready money manual school forgot to hand you, written for teen boys and girls who want more confidence with cash, better control, and habits that actually lead somewhere. No fluff. No hype. Just practical tools and strategies that work in real life.

This book is built for today’s reality: ads engineered to trigger you, influencers selling lifestyles, subscriptions draining you quietly, and pressure to spend just to keep up. The goal isn’t to turn you into a finance nerd. It’s to make you steady, harder to manipulate, harder to bait into dumb spending, and way less likely to end up broke, stressed, or stuck later.

Each short chapter includes a real-life comic-style scenario, quick explanations, and simple tools you can use immediately at home, at school, at work, and online. You’ll also get solo activities, group activities for classrooms, youth groups, and teams, plus talk-to-adults scripts that help you ask for help without feeling awkward.

Inside you’ll learn how to:

Track spending and stop money leaks fast

Budget without feeling broke or restricted

Save for emergencies and goals so life doesn’t wreck you

Avoid bank fees, overdrafts, and “gotcha” charges

Understand credit before it becomes debt

Read a paycheck and plan around taxes

Start investing the simple, steady way (no crypto hype)

Beat impulse buys, ads, and buy-now-pay-later traps

Plan big purchases with real trade-offs in mind

Set money boundaries with friends and family without drama