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TEENS IN THE DIGITAL AGE
In today’s tap-to-pay world, the days of piggy banks and cash allowances for chores are gone. Teens are growing up with financial apps, Venmo, debit cards, and virtual transfers they cannot physically
see. In this cashless culture, parents have to rethink how they teach young adults basic financial literacy. Empowering your children to budget wisely is all about helping them understand the value behind a swipe, tap, or click. TEEN SPENDING Today’s teens spend more money online, frequenting food delivery apps and websites like Amazon or Sephora. Though their digital shopping habits have increased, fewer young people seek part-time or summer jobs. Studies have found that teens who work to earn a paycheck are more likely to budget, save, and think before purchasing. With less hands-on experience with money management and the convenience of buying items with the simple click of a button, it’s become easier than ever to spend money impulsively and recklessly. TEACHING TIPS In a sea of apps and short-form videos, parents can be a trusted source of information about financial literacy; it just takes creativity to make the lessons stick. Start by having regular discussions about finances as a family. Real-life examples can help them practice saving and budgeting, like plotting out the expenses for school supplies or identifying big purchases they want to make, like a car. Encourage teens in a fun way, like doing a savings challenge where they have to put away $1 every week. This can help them get into the habit of saving and waiting to buy the things they want until they have the budget to support it. Gamify money management lessons as much as you can to keep them engaged. You can even find apps that help young people budget and learn important financial concepts. One app called BusyKid helps them manage their allowance and introduces them to safe investment opportunities. In a world where money moves with a tap, it is more important than ever for teens to focus on financial literacy. With the right tools and conversations, you can help them set up smart money habits that last a lifetime.
INGREDIENTS
Sauce: • 1/2 cup organic full-fat coconut milk • 1/4 cup almond butter • 2 tsp red curry paste • 3 tsp low-sodium soy sauce
Wraps: • 4 large collard green leaves • 1/2 cup hummus, divided • 3/4 lb sliced turkey • 1/2 carrots, grated • 1/4 bell pepper, sliced thinly • 1 zucchini, sliced thinly
• 1 tsp honey • Pinch of salt
• 1/2 avocado, sliced • 1/4 cup cabbage, thinly sliced
DIRECTIONS
1. Mix all sauce ingredients until smooth. 2. Prepare collard leaves by cutting the stems off and trimming the thick vein that runs down the center of the leaf so that it lies flat. 3. Blanch collard leaves by dipping them into hot water, then immediately into cold water. 4. Dry leaves and lay flat, spreading 1–2 tbsp of hummus onto the center of each. 5. Add several turkey slices and sliced veggies. 6. Fold the right and left leaf sides in toward each other. Roll the collard leaf tight and tuck in the edges. Secure with 2 toothpicks, slice down the center, and serve with sauce for dipping.
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