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Personal Finance 4 Teens

Personal Finance 4 Teens

Personal Finance 4 Teenagers is your guide to turning money into a superpower. You’ll learn how to make, save, and grow money, avoid the mistakes that trap most young adults, and build habits that lead to independence and financial freedom. Start early, get ahead, and give yourself the confidence to create the future you want.
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Responsible John Comley
Last Update 12/08/2025
Completion Time 11 hours 37 minutes
Members 3
  • Introduction
    1Lessons · 5 min
    • Introduction to Personal Finance 4 Teens
  • Debunking the SIX Myths of Personal Finance
    10Lessons · 1 hr 32 min
    • Introduction
    • Myth 1: Get Good Grades at School
    • Myth 2: Buy a Personal House (Home)
    • Myth 3: Buy a Car
    • Myth 4: Never Get Into Debt – NEVER Borrow Money!
    • Myth 5: Get a Good Job – Work for Someone Else
    • Myth 6: Save Only 10% of Earnings
    • The EASY-HARD Rule of Life
    • Key Takeaways
    • QUIZ: Debunking the SIX Myths of Personal Finance
      10 xp
  • Chapter 1: Money Mindset & Habits
    6Lessons · 1 hr
    • Why Money Matters (Freedom, Choices, Opportunities)
    • Needs vs. Wants
    • The Psychology of Spending and Saving
    • Delayed Gratification
    • Key Takeaways
    • QUIZ: Money Mindset & Habits
      10 xp
  • Chapter 2: Earning Money
    7Lessons · 1 hr 5 min
    • Different Ways Teens Can Earn
    • Understanding Payslips, Wages, and Deductions
    • Value of Skills and Education in Future Earning Potential
    • What is Tax? (South African Context)
    • How to Pay Less Tax (Legally!)
    • Key Takeaways
    • QUIZ: Earning Money
      10 xp
  • Chapter 3: Budgeting Basics
    6Lessons · 1 hr
    • What a Budget Is and Why It Matters
    • Simple Methods
    • Tracking Income and Expenses
    • Building a Beginner Budget (Real-Life Examples)
    • Key Takeaways
    • QUIZ: Budgeting Basics
      10 xp
  • Chapter 4: Saving & Goal Setting
    6Lessons · 55 min
    • Why Save Early? (Power of Compound Interest)
    • Short-Term vs. Long-Term Goals
    • Emergency Fund Basics (Even for Teens)
    • Creating Saving Goals (Practical Examples)
    • Key Takeaways
    • QUIZ: Saving & Goal Setting
      10 xp
  • Chapter 5: Banking & Financial Tools
    6Lessons · 55 min
    • How Bank Accounts Work (Cheque vs. Savings)
    • Debit vs. Credit Cards
    • Digital Wallets & Online Banking Safety
    • Understanding Interest (Earning vs. Paying It)
    • Key Takeaways
    • QUIZ: Banking & Financial Tools
      10 xp
  • Chapter 6: Introduction to Investing
    8Lessons · 1 hr 30 min
    • What Investing Is (and Isn’t)
    • Risk vs. Reward
    • Compound Growth Explained Simply
    • Basics of Stocks, ETFs, and Retirement Accounts
    • Investing in Property (Cashflow-Generating Assets)
    • Investing in Precious Metals
    • Key Takeaways
    • QUIZ: Introduction to Investing
      10 xp
  • Chapter 7: Smart Spending
    6Lessons · 35 min
    • How Advertising & Peer Pressure Influence Spending
    • Comparing Prices & Value-for-Money Decisions
    • Avoiding Impulse Spending
    • Buying Second-Hand, Discounts & Money Hacks
    • Key Takeaways
    • QUIZ: Smart Spending
      10 xp
  • Chapter 8: Understanding Credit & Debt
    7Lessons · 40 min
    • What Credit Is & How It Works
    • The Dangers of Debt (Credit Cards, Loans)
    • Interest Rates Explained
    • The Importance of Debt: Good Debt vs. Bad Debt
    • How to Build Good Credit (Intro to Credit Scores)
    • Key Takeaways
    • QUIZ: Understanding Credit & Debt
      10 xp
  • Chapter 9: Giving & Generosity
    5Lessons · 30 min
    • Why Giving Is Part of Healthy Finances
    • Different Ways to Give
    • Finding Balance Between Generosity & Financial Responsibility
    • Key Takeaways
    • QUIZ: Giving & Generosity
      10 xp
  • Chapter 10: Planning for the Future
    6Lessons · 35 min
    • The Costs of Adult Life
    • Career Planning & Financial Goals
    • Avoiding Financial Mistakes Most Young Adults Make
    • Building a Long-Term Vision for Money
    • Key Takeaways
    • QUIZ: Planning for the Future
      10 xp
  • Extra Bonus Sessions!
    3Lessons · 1 hr 5 min
    • Life at 25 vs. 45: Planning Early vs. Waiting
    • Building Generational Wealth
      10 xp
    • Entrepreneurship - The basics of starting a small business
      10 xp
  • Closing Reflection: The PF4T Journey
    3Lessons · 5 min
    • What You’ve Learnt – What You’ve Gained
    • Final Challenge: Your Next Step Starts Now
    • Continue Your Life-Changing Journey . . .
  • Congratulations! You're finished!
    2Lessons · 5 min
    • Message from The Training Guys CEO
    • Personal Finance 4 Teens