Money Moves to Master Before 18!!

Because Adulting Doesn’t Start at 30.

AI Generated Image by Author (Source: Chat GPT)

Did you know that only about 27% of people in India are financially literate? That’s way below the global average of 42% — which, honestly, isn’t great either.

Yep, you read that right. While India is booming in tech, infrastructure, and startups…we’re seriously lagging when it comes to understanding money.

Source: S&P Global FinLit Survey

This means most people don’t really know how to save, budget, invest, or avoid common money traps.And if we don’t start teaching the next generation now, they’ll face the same struggles.

But don’t worry — that’s exactly why this blog series exists.I’m here to change the game with one fun (and meme-filled) money lesson at a time.

To begin with here are some super simple (but powerful) money moves to learn before you (or your kid) turn 18. Master these now, and your future self will totally thank you:

🧠 1. Start Saving — Even If It’s Small

Saving money isn’t just for grown-ups. Got a birthday gift? Weekly allowance? Money from a part-time gig?

Try this:

💡 Tip: Save at least 20% of what you get. 

If you get ₹500, keep ₹100 aside. Easy, right?

You can even give your savings a fun name like:“Sneaker Stack” or “Future Bike Fund.”

Meme created by Author

💳 2. Understand That Swiping = Spending

Whether it’s UPI, debit card, or an app — it’s still your money. It just feels easier to spend because you don’t see it leaving your hands.

💡 Try this: 

Before you tap or scan, ask: 

“Would I buy this if I had to pay in cash?”

You’ll be surprised how often the answer is “maybe not.”

📊 3. Make a Simple Budget

Don’t worry — budgeting isn’t scary. It just means knowing how much you have and where it’s going.

💡 Start here:

• Money In: How much you get

• Money Out: Where it goes (snacks, games, online shopping, etc.)

• What’s left? Save or spend smart!

You can use a notebook, Google Sheet, or even notes on your phone.

💼 4. Find Fun Ways to Earn

You don’t need a full-time job to make money. You can earn by doing things you already enjoy:

• Help neighbors with errands

• Design stuff online

• Sell your old books or clothes

• Tutor younger kids

• Pet sitting or dog walking

💡 Bonus tip: Keep a little “Money Tracker” to see how much you earn each week.

I remember that until I was 13, my grandmother used to give me Rs. 200 (about $2) for every chore I did. At the end of each month, she’d reward me with Rs. 1000 (around $12) and a delicious homemade treat for helping her with all the little things. 😋

(Souce: Imgflip.com)

🧠 5. Think About Money the Right Way

This might sound deep, but how you think about money really matters.

Instead of saying “I’m broke” or “I’ll never understand money,” try this:“I’m learning how to use money wisely.”

Money isn’t good or bad — it’s a tool. Learn how to use it, and you’ll always have options.

Image created by Author (Source: Imaflip.com)

🌟 What’s Coming Next?

This is just the beginning of Money Series for Teens — and trust me, it’s going to be a fun learning experience which is very important for you to understand because being a financial literate person is the basic need in today’s world and I’m here for you for that because schools ain’t educating children about personal finance.

No heavy lectures. Just:

• Real talk

• Easy tips

• Some laughs (and memes)

• Tools you’ll actually use

You can also respond in the comment section of this blog if you wish to learn something specific about personal finance. From the basics to the cool stuff, I’ve got you covered!

🎯 Final Challenge:

Pick ONE of the 5 money moves above and start today.Even a small step is a big win.

Want extra credit? Make a meme out of your new money move and share it in the comments section! 😎

Thanks for reading my thoughts & as always, rooting for you from afar.