All About the Green: The Teens' Guide to Finding Work and Making Money
By Kara McGuire
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All About the Green - Kara McGuire
Cover
LET’S MAKE SOME MONEY!
Everyone loves payday—from the first quarter you earned for setting the table to the weekly allowance you squirrelled away to buy toys or iPhone apps. Then comes the day of that first official paycheck and all of the responsibility that comes with it. That includes spending wisely and saving for the future. It means making smart decisions but still having fun. Learn all about the ins and outs of making money—from paychecks to paying taxes, finding jobs, and starting businesses. And best of all, learn how to earn money without lifting a finger.
CHAPTER ONE
JOBS AND CAREER PLANNING
It’s common for teens to juggle schoolwork and paid work, whether it’s the occasional babysitting job or waiting tables 20 hours a week at a restaurant. Teens need money for hanging out, for hobbies, or for gas for the car. Then there is the cost of big things, such as saving for a car, helping with college tuition, or taking an overseas trip with the school orchestra. It’s understandable why sometimes earning money seems more important than keeping up grades or working on college applications.
EDUCATION AND EARNINGS
Your number one job as a teen is to get good grades, gain experiences from school and community activities, and prepare for higher education. Your education affects job opportunities and how much you will be able to earn. The lifetime median earnings of a worker with just a high school diploma is $1.3 million. It may sound like a ton of money today, but it averages to $15 per hour—that’s not much once you consider daily expenses and how long you could live. Americans with a bachelor’s degree can plan on median lifetime earnings of $2.3 million. Those who stay in school for a doctoral or professional degree, such as medicine or law, earn a median of $3.6 million.
Although there are certainly exceptions to this rule, having a bachelor’s degree increases your chances of earning more money and opens more doors to interesting, fulfilling careers. As the chart indicates, nearly 80 percent of people who earn $200,000 a year or more have a bachelor’s degree or higher. Less than 10 percent of people