PARENTING WITH TEENAGERS. Financial and practical guidance for the challenges and uncertainties associated with the teenage years.
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1 PARENTING WITH TEENAGERS Financial and practical guidance for the challenges and uncertainties associated with the teenage years.
2 launching pad. The later teen years should be devoted to setting your child up for success when they leave home for college or beyond. Dueling Futures. Your teen s education is important, but so is taking care of your future. As we map out a plan for covering his/her schooling, we need to review your retirement goals: How much can you put away for college? What s the best place for college savings? How much should your teen contribute? What can you put away for retirement? Where s the best place for building your investments? We ll work together to find ways to reduce or eliminate expenses to help prepare for everyone s future needs! we re here to help. As a local credit union, we re strong enough to provide all you need, yet small enough to know you personally and care about helping you prosper any way we can.
3 starting to let go. The teenage years are filled with questions about how much responsibility to hand over and when. Raising teens typically has its challenges, but it s also a wonderful time watching kids turn into young adults, and seeing how they handle new independence. And, it s also a time when new financial questions come up. Should my teen open their own checking account? What about a debit card? Should my teen help pay for college? Should I co-sign a car loan? A credit card? Prospera s LIFEstage Personal Guidance can help sort through options and come up with the best decisions for you and your teenager(s). Savings Options Tax or Personal Savings Holiday Club Money Market Certificate of Deposit Individual Retirement Account Checking Options (for teen and parent) Free Checking Direct Deposit Checking Debit Card Home Loan Options Student Loan Options Credit Card Options (for teen and parent) Loan Options Vehicle Loan Home Equity Kwik Cash (personal line of credit) Investment Services Financial Planning Insurance Planning Investment Planning Retirement Planning Mortgage Protection
4 teachable moments. Each teen year brings opportunities for adding responsibilities and looking for maturity. First Steps. When teens are 13, maybe the big issue is how late they can stay up; at 17, when they have to be home. You let out some rope, and, if your teen shows responsibility, you let out more. The financial world is a great testing ground for a teen s maturity, and we can help guide you on timing for such things as: Opening a checking account Getting and using a debit card Simple budgeting saving vs. spending Allowances vs. work-for-pay Bring your teen into Prospera Credit Union so they can get comfortable talking about basic finances. Free 24-hr. Online Services Online Access Bill Pay Mobile Banking e-statements e-alerts
5 the big leagues. As your teen gets older, the financial decisions are typically more important. Ready to Play. The financial issues that can come up as your teen gets older tend to be more well, adult. Does your teen work and need wheels? Should he/she be allowed to get a used car to get around? If so, what can you afford? Should your teen contribute to car payments? Older teens may also want their own credit card. If your teen is reasonably mature, a credit card can be a great tool: Develop good financial habits Build credit score Teach valuable lessons about credit Encourage responsibility and maturity Managing credit cards is a critical skill, so it s something we ll talk through with your teen. Prospera is not a licensed insurance agent, tax advisor or certified credit counselor.
6 Appleton Branch and Corporate Offices 4830 N. Ballard Rd. Appleton, WI Darboy Branch N9660 County Rd. N Appleton, WI Neenah Branch 934 S. Green Bay Rd. Neenah, WI Menasha Branch 849 Warsaw St. Menasha, WI Set up an appointment today! Membership eligibility requirement. Investment service options provided by Prospera Investment Services. Securities offered through LPL Financial, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates.
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