For many young adults, the weakest link lies in learning the basics. 40% of teens do not have a savings account, checking account, or debit or credit card, and 59% of teens do not have money management classes offered at their schools.* Here’s how to help your kids learn to manage money:
Join. Open a credit union savings account (and set up payroll deduction if desired) for each child in your family. Have your children learn to fill out deposit and withdrawal slips. Guide teenagers through using a debit card and tracking transactions.
Share. Include your children in household money discussions. Show them how you budget income and expenses. As their skills improve, give them challenges—such as finding a better cell phone plan, calculating the total monthly cost of owning a car, or sticking to a budget for back-to-school or holiday spending.
Coach. Remind your children to ask for help when they need it. And turn to us when you need help. 
*2014 Teens and Personal Finance Survey conducted by Harris Poll for Junior Achievement USA
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