How the Teen Challenge Differs From the Original Version?

While the kids Challenge teaches the basics of saving, spending, and forming early habits, the Teens Edition is a level-up journey that prepares young people for the real financial decisions of adulthood.

1. More Mature Topics for Real Life

Teens learn skills that matter for their next 5–10 years, including:

·       College vs career pathways

·       Gross vs net salary

·       National Insurance & taxes

·       Loans, debt, and credit

·       Freehold vs leasehold

·       Leasing vs buying a car

·       Investing basics (stocks, ETFs, compound interest)

These topics are not included in the kids version.

2. Introduction to Wealth Building Mindset

The Teens Edition includes:

·       Entrepreneurial thinking

·       Monetising talents

·       Running small income projects

·       Business idea creation + mini plan

·       Multiple income streams

·       Millionaire mindset habit formation

The Kids Challenge focuses more on spending awareness and simple saving goals.

3. Future Planning & Decision-Making

Teens learn how to plan for:

·       First jobs

·       Career paths

·       University funding

·       First car

·       First property

·       Long-term savings

·       Risk awareness in financial decisions

The Kids version focuses on short-term goals and foundational habits.

4. Higher-Level Financial Skills

Teens are introduced to:

·       Compound interest

·       Long-term investing

·       Money confidence

·       Building credit responsibly

·       Avoiding financial traps

·       Understanding financial products

Kids focus mainly on needs vs wants, pocket money, and simple budget tasks.

5. Independent Learning Approach

The tone for teens is:

·       Respectful

·       Mature

·       Growth-focused

·       Empowering

·       Real-life grounded

·       Future-ready

The Kids tone is lighter, more playful, and story-based.

Four young people sitting at a table, smiling, giving thumbs up, in front of a banner that reads 'Teens Edition: The 30 Day Smart Spending Challenge'.

Why This Challenge Is a True Level-Up for Teens

This 30-day challenge sets the foundation for the next decade of their life.

By the end of the course teens will:

·       Know how to set SMART goals

·       Understand how money grows

·       Build budgeting habits that last

·       Know how to earn their own money

·       Recognise financial risks

·       Feel confident making big life decisions

·       Have their own personalised 12-month Wealth Blueprint

Most importantly, they begin to see themselves as capable, independent, and ready for adulthood.