Real Young Teenagers

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April 13, 2021May 13, 2021 7 min read
Larry is an independent, full-time writer and consultant. His writing covers a broad range of topics including business, investment, and technology.
Experience
Larry started his career with Demand Media. There he contributed to and edited nearly every type of business-related content from real estate investing to software and digital media.
Since then, Larry has worked as an independent, full-time writer and consultant. His writing covers a broad range of topics including business, investment and technology. His contributions include top-tier publications like Entrepreneur Media, TechCrunch, and Inc.com.
When he is not writing, Larry assists both entrepreneurs and mid-market businesses in optimizing strategies for growth, cost cutting, and operational optimization.
As an avid real estate investor, Larry cut his teeth in the early 2000s buying land and small single family properties. He has since acquired and flipped over 30 parcels and small homes across the United States. While Larry’s real estate investing experience is a side passion, he will affirm his experience and know-how in real estate investing is derived more from his failures than his successes.
Education
Larry graduated in the top 2% from Iowa State University’s Ivy School of Business Management.
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Real estate investments can be not only lucrative, but also generally rewarding. There’s profit that can be made in the long-term and it’s a skill you can learn at any age, even if you’re too young to actually participate. This means that even teens can learn to make investments in real estate and begin to build a portfolio.
Learning different lessons about and making real estate investments in your teens can give you a massive head start in the industry and even more time to grow your portfolio.
Unfortunately, many investment accounts and options are only available for people 18 and up. Getting involved in real estate depends on the state, but at least in New York City, people need to be 20 years old to apply for a real estate license.
But even before you can invest, you need to build credit, and that can be its own barrier. To open a credit card or take out a loan in the U.S., applicants need to be at least 18. Even though 18 is still technically a teen, it limits what investments teens can make at a younger age.
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Also since teens can’t open credit cards or take out loans, it does make the process that much more difficult for teens to make investments and begin their portfolios.
Luckily, there are ways to work around a lot of these issues. If you arm yourself with the right knowledge you can start to build the portfolio that will get you on the right track.
When it comes to investing, time works to your advantage. That’s why it’s so beneficial to begin as soon as possible, especially if you plan on making it a primary source of income. The price of real estate increases over time, so starting sooner allows you to buy it for less money and make more on your revenue.
But it makes sense that, like a lot of teenagers, you won’t know where to start, so that’s easier said than done. Plus, you probably don’t have the money to make any serious investments. But even though it sounds like a daunting task, even investing in real estate can be done at a young age with enough knowledge and determination. Below are tips that will make investments for teens that much more attainable.
Congratulations on beginning your personal finance journey! Reading as much as possible from credible sources of information will be vital for your growth and understanding. Reading articles like this, for example, is a great starting point in the investment process.
BiggerPockets.com, for example, is loaded with forums, podcasts, blogs, guides, webinars, videos, and courses. Dive in and consume as much information as you can. The knowledge to be gained from the site is both free and invaluable. It can lay the groundwork for smart investing in the years to come. And because so much of it is free, there’s always an option for people of any income level.
Some books and articles on investment topics are great resources for timeless information, but you shouldn’t limit yourself to just books and articles. YouTube has a whole financial trove of credible information with tips and advice on budgeting, real estate, high-interest savings accounts, Roth IRAs, index funds, and more. Credible YouTube channels will be easily verifiable with a quick Google search to ensure the information they’re giving you is accurate and that they’re actually a pro in the field.
When it comes to credit, understanding what it is and how it can impact your life moving forward is something we all should know. The sooner you know, the better.
Credit affects things like where you can live, what kind of car you’re able to buy, what kind of loans you can be approved for, and more. This may not seem like a big deal when you’re a teenager, considering that so many live with their parents or have someone to look after them. But when you’re ready to take on adulthood, you’ll see just how important these different aspects are.
Luckily, there are many ways you can start to build credit to start the investment portfolio of your dreams, including student loans and credit cards. In fact, student loans are typically the first instance where teens are exposed to how their credit impacts them.
With a low credit score, it’s difficult to take out school loans, which limits options for higher education. And if you do get approved for loans, you may be left with a high interest rate and other fees that will make it more difficult to pay off the debt and save money. But making payments on time has a positive impact on your credit score that will make it easier for you to become an investor in the long-term.
All of these things can be said for credit cards. They are great for building credit if used responsibly and you can get started on a path that makes it easier for creditors to trust you and give you high credit limits. If you’re responsible, these cards will help you maintain a high score, which also gives you more investment opportunities.
One way to build up a good credit score before you ever even have to think about a college loan is by having a parent add you as an authorized user on one of their credit cards.
“With good payment behavior and responsible use, adding an authorized user may have a positive impact on the authorized user’s credit score,” said Monica Bauder, senior director of digital partnerships and cardholder access at Capital One in an interview with U.S. News. If your parent is responsible with payments, this could set you off on the right track before you even set foot on it.
Even with clever financing, a lender will require you to have some skin in the game (meaning money on the line). It’s important that you have some cash saved in your name sooner rather than later. This means working hard and putting away a large portion of every paycheck you earn.
While there are plenty of jobs that will hire teens as young as 16, teens can also choose to go into business for themselves with skills such as tutoring, home and lawn maintenance, or babysitting. Those earnings can be used to invest.
The amount you save looks different for everyone. Some people start saving earlier than others with varying kinds of financial responsibilities, but aiming to put aside a certain amount from each paycheck is a great first step. It’s easier than ever to do so with all the apps out there. Many banking apps allow you to autosave so you can have a dedicated amount of money automatically put into a savings account with each deposit and not have to even think about it. This way, the withdrawals you’re able to make allow you to have all kinds of options when you want to invest.
Be mindful that not all savings accounts are created equal and a high-interest savings account is a great option for long-term saving. Even if your bank doesn’t have a high-interest option, many banking apps allow you to link your account to another in order to make transfers as seamless as possible. This also makes it possible for you to make the kinds of gains you’ll need to make investments. 
While investing in real estate is a great move, there are so many different things to invest in that can build a diverse portfolio and be both personally and professionally beneficial. Things like IRAs, certificates of deposit (CDs), and high-interest savings accounts are great for personal growth and building wealth to help you build a portfolio, whereas things like mutual funds, index funds, and brokerage accounts are specific to your investing needs.
One thing to keep in mind: If you’re still a minor, some accounts will require an adult custodian until you reach the age of majority. This will typically be a parent or guardian.
If you’re looking to build for the future, IRAs are where you want to go. An IRA or an individual retirement account helps you save for retirement—and your initial investments may be tax-free. The different IRAs include Roth and Traditional IRAs. According to USAA, the traditional IRA is typically for people who plan on being in a lower tax bracket in retirement. Meanwhile, a Roth IRA is for those who believe they’ll be in a higher tax bracket in retirement compared to the one they’re in while they’re working.
The main difference is taxes. Money contributed to a traditional IRA is tax-deductible from the start, but you’ll have to pay taxes when you pull it out of the account. You’ll pay income tax on funds contributed to a Roth IRA immediately, but won’t pay any taxes after retirement.
While there are other differences, the good thing about both IRAs is that there’s no age limit and you can earn any income and still qualify. Some brokerages, like Vanguard and Fidelity, do have a minimum investment requirement, but there are plenty that don’t, so if you’re starting out low on cash, this is still a great option.
A brokerage account, also known as a securities account, is an account that holds all kinds of financial investments. With this account, you would work with a brokerage, broker, or bank that would help you buy and sell different assets like stocks, mutual funds, and bonds.
For organizational purposes, keeping all of these assets in one place is a good idea. When it’s tax time, you can pull all your info from one space and make the process that much easier. Also, many places that offer these accounts have educational tools and resources to help you on your journey.
Mutual and index funds may sound similar. They’re both ways of investing in the stock market—with less risk than pouring money into Gamestop. But they have some significant differences you need to be aware of before opening them.
Index funds focus on a specific set of investments, like stocks in certain types of companies. A mutual fund is broader and can change up what it’s used for by an investment manager. Active mutual funds tend to have higher fees and are less predictable over time in comparison to index funds.
Even putting the leftover income from your part-time job into a simple high-yield savings account can help you dip your toes in investing. No matter which investing strategy you use, what’s important is that you start. You’re so young, and your money has so much time to grow.
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It’s never been easy being a teenager. But is this now a generation in crisis?
In 1976, the pioneering Open Door charity for young people with mental health problems launched. Forty years on, it’s asking whether it’s harder than ever to be an adolescent
The internet and social media is encroaching on the wellbeing of today’s teenagers. Photograph: Mark Mawson/Getty
Last modified on Sat 2 Dec 2017 04.02 GMT
Mollycoddled and cosseted or stressed and over-pressured. Energised and engaged or bored and turned off. Young people have so many labels and stereotypes slapped on them it’s a wonder these are not visible on their endless selfies. What is undeniably true is that the evidence suggests that rates of depression, self-harm and anxiety among young people are at unprecedented levels.
Youth unemployment is more than 13%, the cost of higher education is rapidly rising, a drought of affordable housing coupled with low pay is keeping many young people sealed under the parental roof and trapped in what one report called “suspended adulthood”. The ubiquity of the internet and social media, with its dark underbelly of hardcore pornography, body shaming and cyberbullying, is encroaching on their wellbeing, while a relentless focus on academic high-achieving is turning up the pressure in the classroom. Youth, traditionally thought of as the most enviable time of life, can now look like a deeply challenging and sometimes unpleasant time of life.
But is the experience of adolescence – defined as the period after childhood, from puberty to maturity – any tougher now than it was for previous generations? And when does it stop, given that some experts argue that full intellectual maturity is reached at the age of 27.
Among the events planned for World Mental Health Day, an exhibition by a small but successful charity in London aims to unpick some of the issues around the “lived experience of adolescent development”. Open Door has helped thousands of young people with therapy and support with problems including depression, anxiety, self-harm, drug and alcohol misuse, eating disorders, psychosis, sexuality and gender identity issues since it opened in 1976.
The exhibition, Adolescence Then and Now, marks the charity’s 40th anniversary, and director Julia Britton, one of the capital’s leading consultant child and adolescent psychotherapists, says demand for its services is greater than ever. “We are operating with a constant waiting list of around 100, we can’t even meet local demand. Parts of the country have nothing at all for young people with mental illness. The lack of provision is a huge issue for now, and a huge issue being stored up for the future.”
She says many of the issues facing young people have not changed. “I look at myself as a teenager in the 1970s and so many issues were around: teen pregnancies, drug and alcohol misuse, psychotic breakdowns, financial and identity pressures. But there are many differences, too. The context certainly is different. I think there are far more pressures educationally, more sense that it’s all hinged on one exam, and certainly teachers are hugely concerned about the mental distress they are seeing. Then there’s cyberbullying where you can’t switch off and you can’t get away. Pornography, a normal part of development, is now very far removed from Playboy. A lot of young people are disturbed by what they see online.
“The internet is both helpful and not. If young people type in ‘self-harm’, they can either go to a Young Minds website where they will be offered help and support, or to a destructive group which is discussing how to self-harm and hide eating disorders. So it’s good and bad,” she says.
The sense of a struggling generation has undoubtedly taken on new dimensions. Last week a poll by the charity Young Women’s Trust found that “suspended adulthood” was affecting the mental health of one in three 18-to-30-year-olds who felt worried about the future and under financial pressures due to low pay and lack of work or opportunities. More than half of the 4,000 surveyed were having to live at home with their parents.
“Make no mistake,”says Dr Carole Easton, chief executive of the charity, “we’re talking about a generation of young people in crisis. It is not in any of our interests to write off an entire generation.”
Abena is 18. A former mental health service user at Open Door, she interviewed artist Grayson Perry in a video project for the coming exhibition. They discussed the contrasts in their teenage experiences. He told her: “My family was quite screwed up, it was quite a volatile household and quite scary.” In 1976 Perry was 16 and had already been thrown out of his home by his stepmother over his transvestism: “When I was that age you hung out on the village green and got bored with others. I had low impulse control, I was incredibly angry until I went into therapy.”
What most struck Abena, she says, was that, while his cross-dressing was a major taboo and so a pressure point for him as a teenager, “he doesn’t remember having any issues over his body image at all. He doesn’t remember having a conversation about body image. But he remembers trying to keep his dressing-up from his parents and how everybody thought transvestism was very strange and taboo. That identity didn’t exist.
“Now I think that would be far more acceptable and people would be quite relaxed about that. But I feel like there are very real pressures around body image now that he didn’t have. Having social media now, it’s real pressure around how you look, making sure every picture is perfect,” she says.
“So the pressure he had then isn’t what we have now, but we have other ones. And it all depends on where you go in the world. I’m a black woman, but that would be a very different issue if I was living in America, for example. As a young person now I don’t drink very much, but I’m going to university where there is a real culture of drinking heavily and I find that really daunting. I’ll be in a minority, and being in a minority can be very uncomfortable,” says Abena. “I don’t think I’d have gotten through my bad times, to be honest, if I hadn’t been able to access Open Door. I don’t know how I’d have coped on my own. All the worries I had which felt too big to say to teachers or even my family, I was able to say there. It felt like home.”
Leigh Wildman, a therapist and support worker for young people with special needs, is 54. “I often wonder about whether I’d be on computer games if I’d been a teenager now instead of climbing trees, kicking a tin can down the road and making camps as we did then. Then later on there was music, of course, counter-culture music and art which rescued me. I
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Real Young Teenagers