Volume 2, Issue 2 – Summer 2025

Hey Student Investors!

School’s out, the sun’s up, and it’s time to make the most of your summer—not just for fun, but for your finances. Whether you’re starting your first job, traveling, or gearing up for college apps, this edition will help you earn, save, and invest smarter.

Budgeting Tips: Summer Fun Without the Debt
You don’t have to drain your bank account to have a great summer.

• Free & Cheap Fun: Local beaches, hiking trails, community concerts, and movie nights can be just as memorable as pricey trips. 
• The “50/30/20” Rule: Spend 50% of your income on needs, 30% on wants, and save at least 20%. 
• Cash Envelope Trick: Use labeled envelopes for spending categories to avoid impulse buys.
   

Savings Goals: Back-to-School & Beyond
Fall might feel far away, but planning now pays off.

• School Supplies Fund: Set aside a little each paycheck so the August rush doesn’t hit hard. 
• College Visits: If you’re a junior or senior, start budgeting for travel to campuses. 
• Emergency Fund: Even $100–$200 can help you avoid unexpected money stress.
   

Investment Basics: How to Start Small & Grow Big
Think you need thousands to invest? Think again.

• Micro-Investing Apps: Some let you invest spare change from purchases. 
• ETF 101: Exchange-Traded Funds spread your money across many companies, lowering risk. 
• Consistency Wins: Even $10 a week invested adds up over time thanks to compounding.
   

Financial News: The Summer Job Surge
Teen employment is at its highest in years—here’s how to make it count.

• Networking Counts: Summer jobs can lead to references, internships, and even career ideas. 
• Upskill on the Side: Learn Excel, Canva, or basic coding to stand out in future applications. 
• Avoid Lifestyle Creep: Just because you’re making more doesn’t mean you should spend more.
   

Q&A Section
Q: I’m starting my first job—what should I do with my first paycheck?

A: Celebrate a little (you earned it!), but also set aside money for savings. A good rule: save at least 20%, spend some on something fun, and use the rest for needs.