Money, Markets & Wealth · Youth financial literacy
Money Skills for Teens
The financial education school does not get around to
- Read a payslip, a bank statement and a phone contract
- Build and run a budget on a real part-time income
- Understand credit, scores and what a missed payment costs
- Spot scams, gambling-shaped apps and finfluencer pitches
Get started
Talk to an advisor about Money Skills for Teens.
Free consultation, no obligation.
What this program is
Most students reach eighteen able to integrate a function and unable to read a payslip. They then acquire, within about a year, a bank account, a first job, a credit offer, a phone contract, a student loan and an inbox full of people selling financial products to inexperienced buyers. The consequences of that mismatch last much longer than a semester grade.
This course closes the gap with the specific, practical things a young adult meets first. Reading a payslip and understanding deductions. Opening and running a bank account. Building a budget from an actual part-time wage. What credit is, how a credit score is constructed and what a missed payment does to it. What tax withholding means and how a return works. Recognising scams, gambling-shaped apps and finfluencer pitches for what they are.
Sessions are discussion-based and use real scenarios rather than worksheets, because a fifteen-year-old will engage with whether to finance a phone and will not engage with a compound-interest exercise in the abstract. Investing is introduced honestly — what a share and a fund are, what risk means, why time horizon dominates — with no trading, no simulated competitions and nothing to buy.
The six weeks
Where money comes from
Wages, hours, gross versus net, and every line on a payslip. Students bring a real or sample payslip and account for every deduction on it.
Banking and the flow of money
Current and savings accounts, cards and how each type actually works, transfers, overdrafts and fees, and how to read a statement and spot a charge that should not be there.
Budgeting on a real income
Building a monthly plan from an actual part-time wage or allowance, including saving for something specific. The exercise is deliberately small-scale, because the habit transfers and the numbers do not.
Credit, scores and borrowing
What credit is, how interest accrues on a card, how a score is built and damaged, what buy-now-pay-later actually costs, and why the first credit decision at eighteen matters for years.
Tax, work and contracts
Withholding, what a tax return is, employment versus contract work, and reading the terms of a phone plan, subscription or first rental agreement before signing it.
Investing, risk and being sold to
Shares and funds explained plainly, risk and time horizon, and then the defensive half: how scams are structured, why crypto and trading apps are marketed to this age group specifically, and how to recognise a pitch dressed as advice.
Format and logistics
- Live online, small groups by age band
- Weekly 60-minute sessions
- 6 weeks
- 13–15 and 16–18 bands taught separately
- A parent briefing after week three; no access to a student's numbers
- Group sessions; staff working with minors are background checked
What you leave with
- A budget the student built from their own income and has run for a month
- The ability to read a payslip, statement and contract without help
- A working understanding of credit before the first offer arrives
- A scam and sales-pitch checklist they can actually recall under pressure
Pricing
Pricing for this program depends on format, cadence and length, so we quote it on the consultation call rather than publishing a number that would be wrong for most families. Ask an advisor — the call is free and there is no obligation.
Common questions
Please read before enrolling
Youth financial education only — not investment advice, and no financial product is recommended or sold to students at any point.
Educational content and coaching only — not investment, tax, or legal advice. KPM Academy is not a registered investment adviser.
The College Funding Guide
Six sections plus a worksheet
Ready to start?
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