"Why learn to manage my money? I'm just a teenager; I don't have much of it anyway."

Sounds reasonable, but it's not.

Think about this: The average American teenager spends $3,000 per year. At the end of high school, that means you'll have spent $21,000. Do you know where you're spending it?

While $3,000 per year is most likely a lot less than your parents spend, you should still be able to:

• Pay fair prices for quality items
• Avoid being ripped off by misleading ads and salespeople
• Stay out of debt
• Save up for a car, college, or your own business
• Give money that will make a difference in the world
• Have money to do fun things with your friends