The earlier you learn to manage money, the more freedom and confidence you’ll have later in life.

Most adults admit they wish they had learned about budgeting, saving, and credit when they were younger. Instead, many spend years stressed about debt, overspending, or not knowing where their money goes. You don’t have to make the same mistakes.

Money Management for Teens and Young Adults is a simple, practical guide that breaks down financial basics into steps you can understand and use right away. Written with young people in mind, it focuses on real-life skills you’ll actually need—whether you’re earning your first paycheck, opening a bank account, or planning bigger goals like college, a car, or your first apartment.

Inside, you’ll learn how to:

• Create and stick to a budget.
• Save money without feeling deprived.
• Understand credit cards and avoid debt traps.
• Build habits that lead to financial independence.

This isn’t about boring theory or complicated math. It’s about giving you tools to make smart choices today that set you up for the future you want.

Money is power—and learning to manage it early means you’ll always be one step ahead.

Cuanto antes aprendas a manejar el dinero, más libertad y confianza tendrás en tu vida.

La mayoría de los adultos admiten que hubieran querido aprender a presupuestar, ahorrar y usar el crédito cuando eran jóvenes. En lugar de eso, pasan años estresados por las deudas, el gasto excesivo o por no saber a dónde se va su dinero. Tú no tienes que cometer los mismos errores.

Finanzas para Adolescentes y Jóvenes Adultos es una guía sencilla y práctica que explica los conceptos básicos de las finanzas en pasos fáciles de entender y aplicar de inmediato. Escrito pensando en los jóvenes, se enfoca en habilidades reales que de verdad necesitarás—ya sea que estés recibiendo tu primer sueldo, abriendo una cuenta bancaria o planeando metas más grandes como la universidad, un auto o tu primer apartamento.

Dentro aprenderás a:

• Crear y cumplir un presupuesto.
• Ahorrar dinero sin sentirte limitado.
• Entender las tarjetas de crédito y evitar trampas de deuda.
• Construir hábitos que llevan a la independencia financiera.

Esto no es teoría aburrida ni matemáticas complicadas. Es darte herramientas para tomar decisiones inteligentes hoy que preparen el futuro que deseas.

El dinero es poder—y aprender a manejarlo temprano te mantendrá siempre un paso adelante.

The best time to start planning your future is now.

Too many adults end up in jobs that don’t excite them—jobs chosen out of habit, pressure, or lack of exploration. Research shows that 85% of workers feel disengaged, and 90% regret their career choices. You don’t have to be part of that statistic.

Future Ready is a practical guide designed for teens and young adults who want to take control of their future before it takes control of them. Instead of waiting until after college—or after years in the wrong field—this book helps you explore your strengths, interests, and values now.

Inside, you’ll learn how to:

• Identify what truly motivates you.
• Explore career options with confidence.
• Set goals that match your vision for life.
• Avoid common mistakes that lead to regret.

Unlike other guides that only teach résumés and job interviews, Future Ready focuses on lifelong decision-making skills. You’ll learn to connect who you are with what you want to do—so your career supports the life you dream of living.

Your future is too important to leave to chance. With Future Ready, you’ll take the first step toward a career—and a life—you love.

El mejor momento para planear tu futuro es ahora.

Demasiados adultos terminan en trabajos que no les entusiasman—elegidos por costumbre, presión o falta de exploración. Las investigaciones muestran que el 85% de los trabajadores se sienten desconectados y que el 90% se arrepiente de sus decisiones de carrera. Tú no tienes que ser parte de esa estadística.

Listos Para el Futuro es una guía práctica diseñada para adolescentes y jóvenes adultos que desean tomar el control de su futuro antes de que el futuro los controle a ellos. En lugar de esperar hasta después de la universidad—o de pasar años en un campo equivocado—este libro te ayuda a explorar tus fortalezas, intereses y valores ahora.

Dentro aprenderás a:

• Identificar lo que realmente te motiva.
• Explorar opciones profesionales con confianza.
• Establecer metas que reflejen tu visión de vida.
• Evitar errores comunes que llevan al arrepentimiento.

A diferencia de otras guías que solo hablan de currículums y entrevistas, Listos Para el Futuro se enfoca en habilidades de decisión para toda la vida. Aprenderás a conectar quién eres con lo que quieres hacer—para que tu carrera apoye la vida que sueñas.

Tu futuro es demasiado importante para dejarlo al azar. Con Listos Para el Futuro, darás el primer paso hacia una carrera—y una vida—que amas.

You’re in charge of your future… and with the right guidance, you can make sure it’s an incredible one.

Career planning and money management go hand in hand, and as you discover more about one, you’ll naturally gain a better understanding of the other.

The bad news is that you’re probably not going to get all of the information you need to do this at school.

Luckily for you, you’ve just found a better solution.

You can take matters into your own hands, explore your options at your own pace, and acquire the financial skills that shockingly few young people have—so that by the time you’re earning a regular income, you know exactly what to do to make it grow.

This comprehensive two-in-one guide will give you all the information you need to get ahead of the game—so that the next time someone asks you what you’re going to do with your life, you can smile confidently and tell them.

Inside, you’ll discover:

• Exactly what financial freedom is… and the secret many adults wish they’d known sooner
• Clear guidance for landing your first part-time job, how to make the most of the money you earn from it, and what you can do to boost it
• What you need to know about taxes and budgeting (written in engaging language that won’t put you to sleep!)
• The secret to buying what you need without burning through all your money— and the smart saving hacks that make saving easy and fun
• The reason credit is a good thing as long as you avoid the pitfalls… and exactly how to make sure you do
• How you can build wealth for the future (no matter how little money you start out with)
• A fun 30-day money management challenge that will set you up for financial success
• Why finding the perfect career starts with knowing yourself… and exactly how you can figure out who that person is
• The dream jobs you never knew existed—and how to find one that matches your passions
• Top skills that every employer wants (with clear guidance for developing them)
• How to prepare for your dream career—and why you need to start now
• What you can do to stand out from the crowd in a competitive job market
• Clever ways to get around the “experience problem” so that you never have to face rejection because of a lack of experience
• Why no decision you make has to keep you trapped—and how to catch every opportunity that comes your way

And much more.

If the future feels far away right now, you might not be convinced that you need to think about any of this stuff quite yet… but the secret to success is to get started now.

You don’t want to spend your life trapped in a job you hate or struggling to pay the bills… So make sure you know how to build a future that makes you excited to get up in the morning.