For Teen BAEs (13–17)
Money Skills Every Teen Girl Should Have
“The rich ruleth over the poor, and the borrower is servant to the lender.”
Choose a narrator voice
Start with three jars
Give, save, spend. The proportions matter less than the habit of dividing money before spending any of it.
A teen who divides her first fifty dollars will divide her first salary the same way.
Teach the cost of borrowing
Proverbs 22:7 is not a condemnation of debt, it is a description of what debt does to your freedom.
Work one real example together: a three hundred dollar phone on a card at twenty-four percent, paid at twenty-five dollars a month. Let the arithmetic make the point.
Generosity and freedom are both built from the same habit: decide before you spend.