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Maybe your middle schooler is already hip to saving. Many kids this age do chores and earn allowances, perhaps putting part of what they earn into a savings account for college....
Check out this handy reference of updated ranges from the IRS in case your designated bracket has changed.
“Cut spending.” “Slash expenses.” “Avoid shopping.”
The overwhelming advice about cutting expenses makes it sound downright unappealing. No wonder many of us haven’t learned to be good financial managers.