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Chapter 3 — Teen Money Mastery

Saving &
Budgeting

Keep your cash. Ditch the stress. Build the habit.

This isn't just reading — it's doing. Fill out every section honestly. The more real you are with yourself here, the more your money will actually change.

My 50/30/20 Budget Fill It In

Enter your monthly income below — from your job, side hustle, allowance, or all of the above. Watch the 50/30/20 rule do the math for you.

50%
Needs
$0
30%
Wants
$0
20%
Save & Invest
$0
My Spending Audit Be Honest

Write down what you actually spent money on this week — no judgment. This is where most people discover where their money really goes.

What I Bought Amount Need or Want? Worth It?
One thing I'm going to cut or reduce after seeing this audit:
My Savings Goal Make It Real
My 4-Week Money Habit Tracker Track It Weekly

Fill in each week as you go. Seeing progress builds momentum — even small numbers count.

Habit
Week 1
Week 2
Week 3
Week 4
Amount Saved
Stuck to Budget?
Impulse I Skipped
Win of the Week
Parent + Teen — Do This Together

Conversation Corner

  • What's one money habit you wish you'd started at my age — and what stopped you?
  • Walk me through how our family budget actually works. What are the biggest expenses?
  • Have you ever saved for a big goal? How long did it take and was it worth it?
  • What's one thing I spend money on that you think I should reconsider — and why?
  • If you could go back to 17 with $500, what would you do with it?
Wealthy Roots · Teen Money Mastery
Chapter 3 · Saving & Budgeting
© 2026 Wealthy Roots · For education only, not financial or tax advice.