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Remember the thrill of earning your very first dollar? Whether it came from a lemonade stand, mowing lawns, or another childhood venture, that moment teaches invaluable lessons about work, value, and possibilities.

In our season finale, Frankie and Alfredo explore the exciting world of youth entrepreneurship through personal stories and practical guidance. Alfredo shares how he earned his first dollars around age 11 by mowing neighborhood lawns with his father's guidance, while Frankie reminisces about running a lemonade and cookie stand with her older brother. These formative experiences didn't just put money in their pockets—they planted the seeds of financial literacy and independence.

We break down what it truly means to earn money: exchanging time, effort, and knowledge for compensation. For children not yet ready for traditional employment, we explore accessible options like dog walking for animal lovers, creating and selling artwork for creative minds, or gardening services for those with green thumbs. The key insight? Encouraging children to pursue money-making ventures aligned with their natural interests makes learning about work and finances an enjoyable journey rather than a chore.

Beyond just making money, we discuss how parents can guide children through fundamental business concepts like determining fair pricing, calculating costs versus profits, and marketing their services. These early lessons in entrepreneurship develop critical thinking, communication skills, responsibility, and confidence that extend far beyond financial literacy.

Join us for our family challenge this week: help your child develop a concrete plan for their very first money-making venture! From identifying necessary supplies to setting appropriate prices, putting these entrepreneurial ideas into action creates powerful learning opportunities and meaningful family conversations about money.

Thank you for joining us throughout our first season! We can't wait to continue our financial literacy journey with you and your family next season.

Learn More at PremierAmerica.com/Youth

Federally Insured by NCUA

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Frankie and Alfredo explore the real costs of moving out and establishing independence, sharing their different experiences transitioning from living with parents to managing their own households.

• Hidden expenses beyond rent include utility deposits, application fees, and the surprising cost of groceries.
• First-time movers often underestimate how quickly food costs add up, especially when eating out!
• Creating an emergency fund is essential for unexpected expenses like car repairs.
• Furniture costs can be managed by shopping secondhand through Facebook Marketplace and thrift stores.
• Additional expenses include technology needs, internet, cell phone, auto insurance, and renter's insurance.
• Before moving out, create a "trial budget" and live by it for 2-3 months to test readiness.
• Premier America's Financial Wellness Center offers free rental counseling and personalized guidance

This week's family challenge: Older kids research and create a trial budget; younger kids design a dream room with real costs to understand needs versus wants.

Learn More at PremierAmerica.com/Youth

Federally Insured by NCUA.

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Tackling the daunting challenge of saving for college requires early planning, consistent effort, and understanding all available options. Frankie and Alfredo share their personal experiences and practical strategies to help families navigate the journey toward funding higher education.

• Average four-year college costs now approach $100,000 for in-state students including room and board.
• Personal savings, scholarships, and federal student aid form the foundation of college funding.
• 529 plans offer tax advantages and can be rolled into Roth IRAs if education plans change.
• Starting small with consistent contributions makes the large goal more manageable.
• Understanding student loans before taking them prevents post-graduation financial struggles.
• Even small sacrifices like skipping two lattes weekly can add $520 annually to college savings each year.
• Premier America Foundation offers scholarships annually to qualifying students

Weekly Family Challenge: Research a college or trade school you're interested in, determine its cost, and create a small, achievable saving goal to start working toward now.

Learn more at PremierAmerica.com/Youth

Federally Insured by NCUA.