Money Skills For Teen Boys by JR Rawlings

An Inspiring Financial Literacy Book For Beginners That Empowers Your Teenager With Essential Personal Finance Skills

Want to teach your teen son money skills but not sure where to start? This no-nonsense guide speaks his language and uses real life, like the “First Car Blueprint,” to show how to buy a first car without getting ripped off. Money finally makes sense, step by step.

Even if he’s struggled before, the book turns ideas into habits he can use right away. It covers the choices he’ll face soon—student loans, credit cards, rent, car payments—and builds confidence through plain explanations, hands-on exercises, and simple goal-setting. It also tackles peer pressure, emotional spending, and how to use apps to track, save, and invest.

Teach a little now and set up lifelong habits. He doesn’t need to be great at math—mindset and routine matter most. It’s better to learn at home than through expensive mistakes. A thoughtful gift for ages 13–18 for birthdays or the holidays.

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Excerpt from Money Skills For Teen Boys © Copyright 2025 JR Rawlings

Introduction

Does this teenager remind you of you? Maybe just a little? Or a friend?

Did you know that over 70% of teenagers feel unprepared to manage their finances? It's a staggering statistic, yet most schools do not teach the basics of money management. Imagine entering adulthood without knowing how to budget, save, or invest—it's like navigating a maze without a map. This is why financial literacy is crucial for teens; it is the cornerstone of the journey they are about to embark on.

Money skills are not just for adults. Money management skills are essential for everyone, including teenagers. The financial choices you make now can significantly impact your future in ways you may not fully understand. Whether saving for college, your first car, or simply trying to manage your allowance, knowing how money works is essential. This book aims to provide you with the knowledge you need to make smart financial decisions.

You might wonder why you need to learn about money now. After all, you have parents, teachers, and the internet to guide you, right? But consider this: knowing how to manage money gives you freedom. It lets you choose what you want to do, where you want to go, and how you want to live. And it all starts with a solid foundation of financial literacy.

Imagine being someone who knows how to save up for that new gadget or who can confidently invest in their future. This book is designed to make you that person. It fills the gap left by traditional education systems, providing real-world money skills. You'll learn how to budget, save smart, and invest wisely, all tailored to your needs as a teen.

Consider this book your guide through the complexities of personal finance. Each chapter addresses essential topics such as budgeting, saving, investing, and the psychology of money. You’ll find practical examples and exercises to help you apply your knowledge. Take notes and reflect on your habits; here's a bit about me, J.R. Rawlings: I'm passionate about helping teens like you navigate the world of personal finance. Too many young people struggle because they lack the needed knowledge.

I also struggled with managing my money as a teenager. I always thought then that money was to spend. After all, when I was given money, I was usually told to spend it to buy Mom a quart of milk at the corner market and take money to school to buy lunch. I want to change that. My commitment to you is to provide guidance that's both accessible and actionable. I want to empower you with the skills you need to succeed financially and in your young adulthood.

As you progress through this book, you'll obtain more than just knowledge; you'll develop confidence in managing your finances wisely. You will learn the psychology of money. Yes, there is a psychology to managing and understanding the value of money in your life and how it affects your lifestyle. You will master setting goals, creating plans, and following through with them. By the end, you'll feel prepared to enter adulthood with a strong understanding of financial matters. With your personal finance mastery, you will also feel more confident in your daily life.

The journey you're about to embark on is transformative. It's about more than just money; it's about taking control of your future. By the end of this book, you'll have a toolkit of skills that will serve you for a lifetime. So, let's get started. Your financial future awaits, and it's going to be awesome.