Money handouts you can print.
A small, growing set of one-page handouts for parents and teens — worksheets to fill out, a checklist to work down, and conversation guides for talking a money moment through. Each one takes a single idea from a lesson or guide and turns it into something you can hold. Open one, then Print it or Save as PDF from your browser.
First-paycheck breakdown
A one-page fill-in sheet: copy the numbers off a real pay stub, see where each dollar went, then split the take-home across today money and tomorrow money.
For a teen with their first job Open & print → Worksheet · BudgetingMonthly budget on one page
Start from your take-home and split it into needs, wants, and savings — with the 50/30/20 target beside your own numbers. The paper version of the budget builder.
For anyone giving every dollar a job Open & print → Checklist · Teen Roth IRATeen Roth IRA starter checklist
Six checkboxes from earned income to first contribution — what has to be true, how much is allowed, and the one number that makes the case for starting now.
For a parent opening a Roth with a working teen Open & print → Conversation guide · Car loansBefore you sign for a car
Multiply the payment, run the 20/3/8 check, and — if it's already signed — find the doors still open. Plus what to say, and what not to.
For talking a car loan through together Open & print → Conversation guide · First jobReading a first job offer
The wage is only half the offer. Score the benefits, talk through the trade, and learn the three questions to ask before saying yes.
For weighing a first job offer together Open & print → Conversation guide · Gig workStarting gig or 1099 work
No employer means four jobs become yours: health, taxes, a cash buffer, and retirement. Here's how to talk through each — and the one move to make this week.
For setting up a first gig job together Open & print →