The Financial Literacy Roadmap for Teens

Only 20 states require a personal finance course to graduate high school — so for most teens, money skills come from home or from expensive trial and error. This 16-page guide gives parents and caregivers of teens (ages 13-18) a practical, step-by-step way to close that gap.

What you get:

• The Roadmap — a 5-stop framework (Earn & Value Money, Budget & Save, Bank Smart, Understand Credit, Start Investing), each with a hands-on exercise to do together
• Money Mindset First — how to build needs-vs-wants thinking and delayed gratification before diving into the how-to
• Money Milestones by Age — a practical timeline broken into 13-14, 15-16, and 17-18, inspired by the CFPB's age-based money milestones
• Common Money Mistakes & Fixes — normal missteps (overspending, avoidance, overdraft fees, crypto hype) with calm, real fixes
• Red Flags & When to Loop In a Pro — patterns worth a closer look, not a diagnosis
• Printable Our Family Money Plan — a fill-in-together page covering allowance, savings goals, banking, credit, and investing, with signature lines
• Quick Reference & Resources page — citing the Consumer Financial Protection Bureau, Investor.gov (SEC), AnnualCreditReport.com, and Junior Achievement

Grounded in CFPB and financial-literacy research, and fully editable in Canva if you want to adjust the design or branding.

Built for: parents and caregivers of teens ages 13-18 who want a no-finance-background-required way to teach real money skills before the stakes get bigger.