Ten Cents of Hope: A Youth's Guide to Never Living Paycheck-to-Paycheck

Nobody teaches you this in school.Most people learn about money the hard way - after the bounced check, after the credit card, after it's already cost them something real.Nihar Hari wrote this at sixteen, before any of that had happened to him. Ten Cents of Hope is the conversation he thinks every thirteen-year-old should get, and almost none do.Inside, you'll learn: - What money actually is, and where yours really goes- How to build a budget that survives contact with real life- Why compound interest makes starting at sixteen beat starting at thirty- How to earn your first real money with no car, no capital, and no degree- What credit is, how scores work, and how to avoid the traps that follow people for years- The psychology behind why we spend - and how to work with it instead of against itNo jargon. No lectures about skipping coffee. Just what works when you're starting from nothing - plus a 30-day plan you can begin tomorrow.Written for anyone between 13 and 18. Useful for parents, teachers, and anyone who wishes they'd read it back then.With a foreword by Dr. Michael Pearson of The Carying Place.Published by Ten Cents of Hope, a nonprofit working to make financial literacy reachable for young people who don't get it anywhere else.