{"id":6472,"date":"2022-07-24T16:54:11","date_gmt":"2022-07-24T20:54:11","guid":{"rendered":"https:\/\/dev.pirg-test.com\/edfund\/articles\/smart-money-smart-kids-tips-teaching-financial-literacy-and-privacy-protection-kids\/"},"modified":"2023-05-22T17:06:00","modified_gmt":"2023-05-22T21:06:00","slug":"smart-money-smart-kids-tips-teaching-financial-literacy-and-privacy-protection-kids","status":"publish","type":"article","link":"https:\/\/dev.pirg-test.com\/edfund\/articles\/smart-money-smart-kids-tips-teaching-financial-literacy-and-privacy-protection-kids\/","title":{"rendered":"Smart Money, Smart Kids: Tips for teaching financial literacy and privacy protection to kids of all ages"},"featured_media":42574,"template":"","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":false,"_yoast_wpseo_meta-robots-nofollow":false,"_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":""},"campaign_tax":[157],"display_option":[],"issue_tax":[],"person_tax":[199],"region_tax":[],"state":[5,7,9,12,13,16,18,23,24,25,28,2,32,33,34,36,38,40,41,42,46,50,52],"topic_tax":[124],"class_list":["post-6472","article","type-article","status-publish","hentry"],"acf":{"details":{"helper_taxonomies":{"topics":[124],"collection":false,"press_type":false,"person_type":false,"resource_type":false,"event_type":false,"campaigns":157,"department":false,"level":false,"states":[5,7,9,12,13,16,18,23,24,25,28,2,32,33,34,36,38,40,41,42,46,50,52],"act_option":false,"display_option":false,"primary":{"topic":124}},"featured_image":42574,"caption_override":"","excerpt":"There are lessons for pre-schoolers, pre-teens, high schoolers and certainly, young adults going off to college or moving out.","updated_on":null,"sidebar_action":"","hide_hero_image":false,"sidebar_action_query_string":""},"helper_people_group":{"title":"Authors","entities":[{"type":"dynamic","dynamic_person":{"site":16,"people":"128"},"information":{"name":"","image":null,"role":"","biography":"","contact":{"twitter":"","facebook":"","email":"","phone":""}}}]},"page_layout":[{"acf_fc_layout":"layout_wysiwyg","_acfe_flexible_toggle":"","component_wysiwyg":{"content":"

CLEVELAND<\/strong> -- New data show that the personal savings rate in the United States dropped to\u00a05.1 percent<\/a> this summer \u2013 the lowest level since 2009. While many Americans don\u2019t sock away money because they\u2019re dealing with imminent needs, many more spend that money on items they want but don\u2019t need.<\/p>\r\n

Children often model their spending habits after the adults around them. So now, as kids return to school and spend more time independent of those adults, it's a great time for parents, grandparents or older siblings to teach children important financial literacy and life skills.<\/p>\r\n

It\u2019s never too early to teach children and young adults about protecting personal information, how to save up for purchases and how to navigate the adult world by being able to dispute a fraudulent credit card charge or withdraw money from an ATM without a fee. There are age-appropriate lessons for preschoolers, pre-teens, high schoolers and young adults going off to college or moving away from home.<\/p>\r\n

One recent survey<\/a> found that about one-third of parents never talk about finances with their children. Other surveys<\/a> show far fewer have these important conversations. If someone with accurate information and their best interests at heart doesn\u2019t teach them, the children can pick up potentially bad information from their friends, social media, the internet or even companies trying to sell them stuff they don\u2019t need.<\/p>\r\n\r\n

Young children and pre-teens:<\/h4>\r\n

Understand the <\/strong>importance<\/strong> of protecting your personal information<\/a>. Don\u2019t give out information such as your phone number, home address, Social Security number or birthdate to just anyone. It\u2019s critical to teach children not to share this information over social media. If anyone or any website asks for personal information, any child under 18 should always check with a parent.<\/p>\r\n

Avoid impulse purchases.<\/strong> You can start teaching your children to avoid impulse buying at a young age. If you\u2019re at the store and your child always gets a small toy or a candy bar at the checkout aisle, that can be a bad habit to unlearn. Kids who learn discipline can avoid immediate gratification purchases as a teenager or young adult, whether it\u2019s a new pair of jeans they don\u2019t need or an unbudgeted last-minute concert ticket purchase.<\/p>\r\nBudget.<\/strong> Whether it\u2019s for a new piece of sporting equipment or a car, learning to save money is crucial. Talk with your children about how they can save from their allowance, birthday money or part-time jobs. Next, help them calculate how much money they\u2019ll need and formulate a budget to reach their goal. Then, help them comparison shop.\r\n

Realize the dangers<\/strong> of phone apps. Apps and social media are a part of everyday life. They help us stay connected to the world around us. But it can be easy to overlook the risk involved with making personal information accessible online<\/a>, especially when that information can be recorded, bought and sold by the companies running the apps.<\/p>\r\n

Same thing with cookie monsters.<\/strong> You\u2019ve likely seen many websites display a \u201ccookie consent\u201d pop-up box<\/a>. It\u2019s easy to hit \u201caccept\u201d and move on. Don\u2019t. Websites use our own info to track us and look for opportunities to exploit us or sell us stuff we don\u2019t necessarily need. If you don\u2019t have time to read what you\u2019re agreeing to, don\u2019t click accept.<\/p>\r\n\r\n

Teens, especially once they start working or driving, they should understand everything from the first section for young children, plus:<\/h4>\r\n

Watch out for<\/strong> Buy Now, Pay Later schemes<\/a> that may not be transparent or you may not completely understand. In many cases, shoppers end up sorry about the purchase because they pay unexpected extra fees or interest.<\/p>\r\nDon\u2019t allow important issues<\/strong>\u00a0to linger and become urgent. For example, promptly deal with a warning light on your automobile dashboard, a missing wallet, something that looks like a legal or government notice in the mail or an unknown charge on your debit card.\r\n

Understand the <\/strong>importance<\/strong> of protecting your personal information<\/a>\u00a0(part 2).\u00a0 For example, don't use a credit card or debit card at unreputable places or provide your Social Security number to everyone who asks for it, even on every job application. Learn to recognize attempts to trick you or steal your information, such as through phishing emails and imposter phone calls and texts<\/a>. Young people can be too trusting with information that can be used in ways that are dangerous.<\/p>\r\n

Make saving a priority i<\/strong>f you have a job. Maybe you want a car, a new smartphone or a spring break trip. Whatever your financial goal is, almost no one makes all the money they need for that expense at one time. And if you learn the discipline of saving early, that habit will serve you well for the rest of your life. Start by saving $1 a week. You may say $1 a week is never going to amount to anything. It\u2019s not about the amount; it\u2019s about developing the habit. Once the habit is ingrained, you can increase the amount you save in the months and years ahead.<\/p>\r\n

Learn how<\/strong> checking accounts<\/a> and savings accounts<\/a> work, as well as checks<\/a>, debit cards<\/a> and credit cards<\/a>. There are pitfalls to be aware of with each. Here\u2019s a good overview<\/a> of the pros and cons of various payment methods, including through Venmo and other P2P apps.<\/a><\/p>\r\n

The best lessons<\/strong> are taught by example. It can be helpful to share some household financial information with your kids, such as how you save every month, prepare for unexpected expenses and sometimes put off purchases. And show them some of your monthly bills.<\/p>\r\n\r\n

When they reach 18 years old or move out or go to college, they should understand everything from the first two sections for young children and teens, plus:<\/h4>\r\n

Learn how<\/strong> to budget your money to pay for your needs -- and how to distinguish needs from wants. Make sure you cover your required expenses (rent, food, utilities) first. Only then should you spend extra money on discretionary items. Many bank apps offer cool tools to track expenses on your credit card or debit card so you can get a better feel for what you spend your money on.<\/p>\r\n

Never give out<\/strong> two-factor authentication codes<\/a> to anyone by phone or text.<\/p>\r\n

Realize that<\/strong> some colleges have dual-use student IDs that double as potentially dangerous debit cards<\/a>\u00a0-- either closed loop debit cards (for use at certain campus and off-campus locations) or open-loop debit cards (for use anywhere). Recognize that the card associated with the college's bank partner may not be your best deal. Our report<\/a> also warns of innumerable potential fees, including ATM fees and overdraft fees. Also, the remaining balance of your student loan or grant money is often issued on a debit card. Both of these situations subject student-consumers to potential ATM fee-gouging. (Note: For loan balance disbursement, you must be provided<\/a> a paper check or cash option.)<\/p>\r\n

Be leery<\/strong> of multi-level marketing schemes<\/a> that are rampant on college campuses and through social media. They can often be bad news and suck money out of your wallet.<\/p>\r\n

The same warning goes for<\/strong> profession\/personal development seminars. Often, these are designed to get you to pay membership fees (perhaps $195) plus you have to find maybe five other people to come. They try to attract you with the promise of \u201cpassive income.\u201d You may not even completely understand the exact purpose or content of the seminars. The invitation is designed to get your money by making it sound like a good opportunity.<\/p>\r\n

Most teens and young adults<\/strong> don\u2019t like keeping paper. But always\u00a0 keep your receipts, car maintenance records, leases, bank statements and other key documents. You can store papers in a shoe box or organized color-coded file folders or keep\u00a0screenshots on your phone or laptop. Whatever works for you, because you\u2019ll need some of them later. For example, the IRS says you should keep your tax returns for 3 to 7 years<\/a>. One of my son\u2019s friends threw away her apartment lease and later ended up having a big dispute about what she had signed.<\/p>\r\n

Read what you sign<\/strong> and don\u2019t sign anything you don\u2019t read or understand. This is particularly important once young people turn 18 and their signature becomes legally binding. As an adult, if you agree to something bad in writing, failing to read and understand it before signing it is not a valid legal excuse.<\/p>\r\n

Think about<\/strong> all the tasks adults deal with every day. Know how to make doctor\u2019s appointments within your insurance network, dispute a fraudulent credit or debit card transaction, fill a prescription, book a flight or hotel and make appointments for automobile oil changes.<\/p>\r\n

Understand debt.<\/strong> Learn about loans and credit cards<\/a>, and understand compounding interest<\/a> and how to manage<\/a> repaying loans<\/a> or credit cards. When it comes to the latter, you should try to pay the balance in full each month. Compound interest is bad with debt; it makes it difficult to get out of a hole. Compound interest is good with savings or investments, particularly when your interest or returns earn money.<\/p>\r\n

Learn the importance<\/strong> of paying bills on time and building a solid credit history<\/a>. Recognize how a credit score<\/a> affects not just your ability to qualify for loans or credit cards, but also to rent an apartment and qualify for lower auto insurance rates.<\/p>\r\n

Check your mailbox.<\/strong> Young people often forget that important items can come in the \u201csnail mail.\u201d Besides birthday cards with gifts and formal invitations to friends\u2019 weddings, the mail is how you might receive checks, speeding tickets, replacement credit or debit cards, tax notices and other important documents you should not ignore.<\/p>\r\n

Learn about<\/strong> income taxes<\/a> and how to file<\/a> tax returns<\/a> (maybe with some help the first few years).<\/p>\r\n

Know when to ask for help.<\/strong> A lot of financial paperwork can be very confusing, even to experienced adults. If you have a document, get a piece of mail or receive a phone call you don\u2019t quite understand, ask a trusted adult for help. If you have a fraudulent or erroneous charge on your bank account or credit card, ask someone to help you understand your right to dispute it. If you\u2019ve never bought a car before, take an older, experienced person with you. If you\u2019ve never rented an apartment before, ask someone who has rented before to look over the lease agreement. If you get an overdraft fee and you don\u2019t understand why, ask someone to help you. In very confusing or financially perilous circumstances, it may be worth hiring a lawyer for help. Most of the time, the solutions are easier to navigate if you just ask someone who\u2019s been through it before.<\/p>\r\n ","":null}}]},"yoast_head":"\nSmart Money, Smart Kids: Tips for teaching financial literacy and privacy protection to kids of all ages<\/title>\n<meta name=\"description\" content=\"There are lessons for pre-schoolers, pre-teens, high schoolers and certainly, young adults going off to college or moving out.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/dev.pirg-test.com\/edfund\/articles\/smart-money-smart-kids-tips-teaching-financial-literacy-and-privacy-protection-kids\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Smart Money, Smart Kids: Tips for teaching financial literacy and privacy protection to kids of all ages\" \/>\n<meta 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