This story convinced my 18-year-old son to start saving for retirement - Business Insider

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'My son recently turned 18 and, in addition to helping him sign up for his first credit card, we've been working with him on a budget'

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.He has a part-time job at a local fast-food restaurant and is saving 50% of his income.

My son has worked a few part-time jobs as a teenager. He worked several summers at a local Boy Scout camp, and more recently he started a part-time job working at a local fast-food restaurant. He works about 10-15 hours a week at close to minimum wage.Once he started getting regular paychecks from his fast-food job, we sat down to come up with a basic budget. There are as many ways to set up a budget as there are people in the world.

His paycheck is deposited into my checking account every two weeks. When that happens, we sit down at the dining room table and process his paycheck with an envelope of cash and a jar of coins. First, I give him the gross amount of his paycheck. Then, one by one, he pays me the amount withheld for taxes, his tithing, and his savings.

 

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Sign em up on ynab. Start young!

Things my parents did at 18 to help me build credit and eventually get a credit card: - Add me as an authorized user - Apply for a secured credit card (I put down $250 as collateral) - Develop good spending habits with my debit card My view on debt:

You should have added him as authorized used to one of your cards long before he turned 18.

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