Wallet Smart: A Teen's Guide to Crypto, Spending, and Subscriptions

Most teens spend money. Few understand where it actually goes.

Wallet Smart is a practical, research-backed homeschool guide that teaches teens ages 13–18 how to track subscriptions, understand digital money, build honest spending habits, and make financial decisions that hold up in the real world.

What's Inside

• Unit 1 – The Digital Wallet Landscape: How digital payments, debit cards, and mobile wallets actually work — and why the system is built the way it is.
• Unit 2 – Crypto Basics: A grounded, honest introduction to cryptocurrency, blockchain, and the "not your keys, not your coins" principle — sourced from SEC's Investor.gov.
• Unit 3 – The Subscription Audit: How to find, list, and evaluate every recurring charge. Includes the Real Example: The $47 Nobody Remembered Signing Up For.
• Unit 4 – The 50/30/20 Framework: Warren and Tyagi's classic budget method applied to a teen's actual income — allowance, jobs, and side income included.
• Unit 5 – Spending Honestly: BNPL, impulse buying, and the habits that quietly drain accounts — including research from the CFPB.

Who This Is For

Homeschool families with teens ages 13–18 who want a life-skills curriculum that goes beyond theory. No prior finance background needed — for student or parent.

What Makes It Different

• Named real sources: SEC's Investor.gov, Zuora CEO Tien Tzuo's Subscribed, Warren/Tyagi's 50/30/20, CFPB BNPL research
• Real examples with real numbers — not hypothetical scenarios
• Quick Tips and Common Mistakes in every unit
• Designed for independent or parent-guided study

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