Written by: M Katie Helle, CPA
If no one has really talked to you about money before, you’re not alone.
For a long time, money has been treated like a “grown-up topic” … something you’re expected to figure out later. The problem is that later comes fast. College, first jobs, credit cards, rent, saving, spending… it all shows up before most people feel ready.
Here’s the good news: money isn’t something you’re supposed to magically know. It’s a skill. And skills can be learned.
Why money can feel confusing
Many parents grew up in families where money wasn’t discussed at all. Not because it wasn’t important — but because it felt uncomfortable. That silence often gets passed down, leaving teens and young adults feeling unsure or behind.
Feeling confused about money doesn’t mean you’re bad at it. It just means you haven’t been taught yet.
This isn’t about being rich
Learning about money isn’t about becoming wealthy overnight. It’s about understanding how to:
- Make your money last
- Avoid unnecessary debt
- Save (even small amounts)
- Make choices that give you more freedom later
Money knowledge gives you options. And options matter.
Asking questions is smart
It’s okay to ask questions about money, even if it feels awkward at first. Questions like:
- What do you wish you knew about money at my age?
- How do credit cards actually work?
- What money mistakes taught you the most?
These conversations aren’t about pressure or judgment. They’re about preparation.
Start where you are
You don’t need to understand everything right now. Start small:
- Pay attention to what you spend
- Learn what a budget really is
- Understand how saving and debt work
Every small step builds confidence.
You’re not behind. If you’re learning about money now, you’re early. And that’s a powerful place to be.