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Building Financial Habits

A Teenager's Quickstart to Financial Literacy

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Building Financial Habits

By: F.C. Ramirez
Narrated by: Michael F. Ward
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About this listen

Focus on your future, learn the ins and outs of finance, and become financially independent!

Are you constantly trying to find ways to make more money or save the right amount so you can go out with your friends, socialize, or buy the next big thing on the market?

Does it seem like budgeting or saving is just a lost cause because everything is just too expensive now?

Are you worried about how to manage your money the right way and you are looking for an experienced guide to help you through it?

When it comes to financing and saving, many teenagers don’t seem to understand the kind of power and responsibility that comes with money. Whether you have a part-time job or you get an allowance from your parents, saving and budgeting are a huge part of what makes you independent.

This is your chance to do things right very early on.

There are so many ways that a teenager, like you, can really become financially independent even if you are still living with your parents.

You have the power and knowledge in your hands to learn how to budget, how to get an income, how to invest, and how to plan your days out properly.

This is your life.

Take this opportunity and control how you spend your money.In this practical guide you will discover:

  • The world of finance and financial literacy to experience a new side of the world even if you’ve never worked a day in your life
  • The millionaire habits that many successful entrepreneurs follow to grow their wealth and retire at a young age
  • The ins and outs of bank accounts – discover exactly what you are looking for, what you need, and how to open one
  • How to develop an income – sift through tons of strategies and ideas so you can start bringing in money to help your plans for the future
  • The power of budgeting that you can use to make sure you are making smart decisions with your hard-earned cash
  • How to get a credit card and which plan can help you manage your budget and maintain a good credit score
  • The potential of investing that every teen needs to know to double or, maybe even, triple your money
  • How to plan for the future and retirement with tips and tricks that will help give you the life you really want
  • And much more.

No one really tells you to start thinking about money at a young age, right?

They expect you to be a child, worry about school, and focus on having fun. While enjoying life and having a carefree childhood is lovely, the future is inevitable.

Take this chance, think about yourself, and start managing your finances the right way.

If you’re ready to hop on the finance train and start being independent, then scroll up and click the “Add to Cart” button right now.

©2022 F.C. Ramirez (P)2023 F.C. Ramirez
Health, Lifestyle & Relationships Young Adult Budgeting
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What listeners say about Building Financial Habits

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Money management explained

This is the kind of book you wish you'd had early on. Maybe if someone had taught me how to budget or how to deal with credit cards, I wouldn't have gotten myself into the mess I did to learn the hard way. Here, there's the basics for everything from budgeting and setting up a bank account to creating habits that help you keep your money and invest it for the future. Such a valuable book!

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Much needed for parent and teens!

This book contains everything I wish I had known growing up about becoming more financially literate. Its something they should really teach in schools but they don't. From having the right mindset, to investing, budgeting this book has it all. Its very well researched and contains real life examples/stories to go with it. I would highly recommend this audiobook to any parents who want to help there kids avoid the mistakes that they have made, As well as any teenagers/young adults who really want to succeed in life and give themselves this very important knowledge.

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.This is the kind of book that is essential!

That's the kind of content the schools should give more attention to. We don't see these resources and mindsets in the educational system. We often start learning it after adults. Financial tools are so much more than the knowledge of how to invest. It's just like the author describes; it is the discipline of budgeting, saving, and opening chances to have your own financial power from a young age. That creates awareness for the teens that they can manage money and create a sense of responsibility under their funds.

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Start Early For Financial Success

My daughter became more conscious of how to spend, save, what the cost of living was and more financially independent when she received her first debt card at 10yrs. Having had financial issues myself in the past this book is invaluable for teens or any age group to set healthy habits and save for longer term goals. This audiobook was broken down into relatable topics from opening a bank account to applying for a credit card, and all topics gave examples of how to manage your money to not get into debt or go overdrawn with applying low balance alerts on your accounts. Highly recommended to all teens that want to understand how to better manage money for financial independence today and long term.

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A great help with our 13 year old daughter

With our daughter now becoming more responsible for purchasing and paying for - well mainly clothes and make up - this book offered us all great advice and tips on financial habits for the younger generation. I would definitely recommend this audio book. My daughter also preferred listening, rather than reading a paper book or ebook.

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Building Financial Habits

If you are a motivated person, thinking about your future to build some effective financial habits to be independent financially, this guide is a great match for you.
In this impressive audiobook, you will learn and discover how to manage your worry, how to learn budgeting to save more money, some effective millionaire's financial habits, and how to get credit cards to help and manage your short and long-term budgets. The best recommendation.

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Every Teen/young adult needs to read this!

This book contains everything I wish I had known growing up about becoming more financially literate. Its something they should really teach in schools but they don't. From having the right mindset, to investing, budgeting this book has it all. Its very well researched and contains real life examples/stories to go with it. I would highly recommend this audiobook to any parents who want to help there kids avoid the mistakes that they have made, As well as any teenagers/young adults who really want to succeed in life and give themselves this very important knowledge.

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Exceptional Habits To Start In Your Teens!

I liked this audiobook. Sound advice &concepts, well written for sure … at time when it’s needed more than ever! This medium (Audible) hopefully will allow for teenagers in today's day & age to absorb some of these finer, important points or personal financial responsibility via narration. (not a parent lecture or from a text book) I was able to stay engaged & liked the tone of Michael F. Ward’s voce as well. The budget section stood out as a well done chapter & overall, great job on the manuscript, I hope that teens pick this up for sure!

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Every teen out there needs this book

I was very impressed with this book and how it approaches teaching teenagers about financial literacy. As will all know, teenagers spend their money on silly things and rarely think about their future. The author of this book guides the listener on how to change those habits and highlights how learning to be financially literate at a young age can be highly beneficial and fulfilling.

I found the chapters on the benefits of getting a bank account and creating a good credit score valuable. The author gives plenty of examples and guidance on what banks are under 18-friendly and the benefits they offer. The section on credit cards was highly educational, and the subject is rarely touched on for teens and is usually thought of as an 'Adult' thing. I found this information and guidance very useful for teenagers, as it is best to learn about them when young. Also, some great tips on investing for the long term in the later parts of the book; I highly recommend listening!

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Great Book A must-listen!

Building Financial Habits" is an excellent resource for teenagers who are looking to learn about personal finance and develop healthy financial habits. The book covers a wide range of topics, including budgeting, saving, investing, credit, and more.
What I appreciate most about this book is its approachable and accessible writing style. Ramirez write in a way that is easy for teenagers to understand, and he breaks down complex financial concepts into simple and relatable terms. The book is also filled with real-life examples and stories that help bring the concepts to life.
One of the strengths of "Building Financial Habits" is its emphasize on developing good habits early on. The book emphasizes the importance of setting financial goals, creating budget, and establishing a savings plan, all of which are critical for long-term financial success, It also covers the importance of avoiding debt, using credit responsibility, and building a strong credit history.
Overall' I highly recommend' Building Financial Habit" for any teenager who is looking to take control of their finances and develop good money habits. The narrator very engaging, and packed with useful information that will help teenagers build a strong financial foundation for their future. I would have my son my 17 years old son listen to this too.

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