![\"Join](\"https:\/\/i0.wp.com\/alt-fw.org\/public\/wp-content\/uploads\/2020\/12\/fpu-banner-join-the-millions-square.png?resize=300%2C256&ssl=1\")
For the entire family<\/h2>\nFor the entire family<\/h2>\nThe Ramsey Plus Membership that is available to your family for free through our site license has something for everyone in your family. With courses like\u00a0Jump Start<\/b>,\u00a0Smart Money Smart Kids<\/b>,\u00a0Legacy Journey<\/b>\u00a0and\u00a0Budgeting That Actually Works<\/b>, people in every walk of life now have access to financial education customized for exactly where they are on their money journey.<\/p>\n
Using the\u00a0EveryDollar<\/b> app, people can create budgeting habits that help them take control of their money every month. With the Financial Calculator<\/strong> people can see the eventual result from any series of deposits ($20\/month is a valid amount when we are just starting out) they make into a retirement fund. And with the new BabySteps<\/b>\u00a0app, they can track their progress and see how quickly they can reach their goals.<\/p>\n My concern in this post is that adults should include their teens<\/em><\/strong><\/span> in our Financial Peace classes. All too often we are so accustomed to thinking of our teen as a child, that we totally miss the fact that they are an adult in training. Yes, sometimes they are very young, but sometimes they are very mature. We need to actively focus our effort in the few remaining years that we have them at home with us to Train Them Up<\/span><\/strong><\/em>. Training someone is different than just managing<\/em> them. When we train someone we are preparing them for a job, to take their place in life, eventually, as a full adult.<\/p>\n It\u2019s your job (as the adult of the house) to teach your teen what they need to know for that moment you send them off to college, trade school, or even their own apartment. But you don\u2019t have to be a finance professor to teach your teen how to save money. You can show them by example. Remember: More is caught than taught. You\u2019ll want to show them how to earn money, create a budget, give, save and spend wisely.<\/p>\n While you\u2019re teaching your teen about money, you\u2019ll also be showing them by how you handle your family\u2019s finances day to day. Teach them to coupon, to shop, to evaluate deals, to say “no”.<\/p>\n One of the best things you can do is help them prepare for their future. Do they want to get their own place? Do they want to go to college? Trade school? Start a business? Help them start thinking about these things early on with the 7 Baby Steps.<\/p>\n These steps will help them prepare for emergencies, save for college, and even get a head start on investing. They may not understand it now, but don\u2019t worry. They\u2019ll thank you later – especially when they graduate with a debt-free degree.<\/p>\nThink of your teen as an adult in training<\/h2>\n