Author Description

Tired of being broke while your parents tell you to “just save”? Yeah, that advice doesn’t cut it anymore. Here’s the truth: school won’t teach you how to handle money. Your parents probably wish they’d learned this stuff earlier. But you? You’ve got a chance to get ahead now — while you’re still young. This isn’t another boring finance manual full of dusty tips like “skip lattes” or “make a chart.” Please. No one’s reading that. This is the book that actually shows you how to earn, save, and invest money in today’s world — the one with apps, online side hustles, and opportunities your parents never even had. And let’s be real — most “teen money” books are either written like a lecture or recycle the same tired advice you’ve already heard. This one’s different because it’s: Written in plain English (no finance degree required) Packed with modern strategies that actually work for teens right now Fun, straight-talking, and maybe a little too honest sometimes — because that’s what makes it stick Here’s what you’ll learn inside: How to earn real money as a teen (yes, more than babysitting your neighbor’s cat) How to save smart so your cash doesn’t vanish the second you touch it How to budget like a boss without living like a monk How to invest before you can even drive (because waiting until 30 is for amateurs) How to build money confidence so you don’t grow up broke and stressed like… well, a lot of adults you know And here’s the kicker: every dollar you earn and invest now has way more time to grow. That’s how you beat your parents at their own money game. Who am I? I’m Raya Gold — a Chartered Accountant and Teen Money Coach who’s obsessed with making money make sense (without putting you to sleep). Think of me as the big sister who’s been around the financial block and is here to spill the secrets. If you’re a teen who’s done being broke, or a parent who wants your kid to have a way