"Smart Money, Smart Choices: A Teen's Guide to Selling, Saving, and Growing Wealth"

Inspired by Manny Paez, Jürgen Klaric and Rich Dad Poor Dad Concepts.

Introduction:

Hey, girls!

Money might not be something we talk about all the time, but guess what? Learning how to make, save, and grow money can open so many doors in your life. It’s not just about getting rich—it’s about having freedom, making smart choices, and using what you know to create the life you want. This book is going to teach you how to think about money in a way that’s fun and easy, inspired by two super cool experts: Jürgen Klaric (the brainy guy who knows how to sell anything) and Rich Dad Poor Dad (a book all about how smart money choices lead to success).

Ready to learn how to be smart with your money, sell like a pro, and make choices that help you win in life? Let’s go!

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Chapter 1: What’s the Deal with Money?

(It’s More Than Just Buying Stuff!)

You probably hear about money all the time, whether it's your allowance, birthday gifts, or that cool new gadget you want. But what if I told you money is more than just something you use to buy things? It’s a tool! When you understand how to use it, money can help you build your dreams, have more freedom, and even help others.

Example Time!

Let’s say you get $10 for doing chores. You could spend it all on candy or a new app, but what if you saved it for something bigger? Maybe after a few weeks, you’d have enough to buy a skateboard or start a small business with your friends. By being smart with that $10, you're already using money as a tool!

Funny Thought: Imagine if your $10 bill could talk and give advice: “Hey, don’t spend me all at once! I can turn into a lot more if you save me!”

Pro Tip: Start thinking of money as a way to make choices. You can spend it, save it, or use it to make even more money later on!

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Chapter 2: The Brain and Money—How We Think Affects What We Do

(Selling Like a Pro Using Jürgen Klaric’s Concepts)

Did you know that your brain plays a huge role in how you handle money? Jürgen Klaric, a guy who knows a lot about how the brain works, teaches us that our brains sometimes make decisions based on emotions instead of logic. That’s why we might buy something on impulse, even if we don’t need it. But guess what? When you understand how your brain works, you can make smarter decisions—especially when it comes to money!

Example Time!

Imagine you're at the mall with your friends, and you see a cool pair of shoes on sale. Your brain says, “OMG, I NEED those!” But do you really need them, or is your brain tricking you? Klaric says it’s your emotional brain talking. If you wait a little, your logical brain might step in and say, “Hey, you already have three pairs of shoes!”

Funny Thought: Your brain is like a little salesperson inside your head: “Buy it now!” while another part is like, “Whoa, let’s think about it first!”

Pro Tip: Whenever you want to buy something, ask yourself: Is this my emotional brain or my logical brain making the decision? Waiting 24 hours before making a purchase can help you think clearly.

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Chapter 3: Rich Dad, Poor Dad—What’s the Difference?

(Learning Smart Money Habits from the Best)

In the book Rich Dad Poor Dad, the author talks about two dads: one who was “rich” in how he thought about money and one who wasn’t. The “rich” dad taught him that you should make your money work for you. Instead of just working hard for money, you can save it, invest it, and grow it. The “poor” dad, on the other hand, thought that you had to work hard your whole life to make money, and that’s the only way to get ahead.

Example Time!

Imagine you’re babysitting and earn $20. You could spend it all on a cool shirt, or you could save some and invest the rest in a small business, like selling custom friendship bracelets. The money you saved starts working for you by growing!

Funny Thought: Imagine if money had legs and could run around working for you. “Hey, don’t worry, I’ll grow myself into more money while you chill!”

Pro Tip: Don’t just think about making money—think about how you can grow it. That’s what “rich dad” thinking is all about!

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Chapter 4: Selling 101—How to Make Money by Solving Problems

(Using Klaric’s Brain-Based Selling Techniques)

Jürgen Klaric teaches that selling isn’t just about pushing products—it’s about solving problems for people. When you understand what people need and offer something that helps them, you become an awesome salesperson. And guess what? You can do this even as a teen! Whether you're selling lemonade, homemade crafts, or tutoring services, the key is to show people how what you're offering makes their life better.

Example Time!

Let’s say you want to sell homemade scrunchies at school. Instead of just saying, “Buy my scrunchies!” you can ask your friends, “Don’t you hate it when your hair tie breaks in the middle of the day? My scrunchies are super durable and stylish!” You’re solving a problem and making them excited to buy.

Funny Thought: Imagine if your scrunchies could talk: “I’m not just cute—I’m here to solve your hair emergencies!”

Pro Tip: Always think about how your product or service helps people. The more you solve their problem, the easier it is to sell.

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Chapter 5: Saving Like a Boss—The Power of Paying Yourself First

(Inspired by Rich Dad Poor Dad’s Golden Rule)

One of the most important lessons from Rich Dad Poor Dad is to “pay yourself first.” This means whenever you earn money, the first thing you should do is save a little bit of it before spending it on anything else. This helps you build a habit of saving, so your money grows over time.

Example Time!

Let’s say you earn $50 from a part-time job. Instead of spending it all on clothes or going out, put $10 or $15 into your savings first. Then you can use the rest for fun stuff. After a while, you’ll have a nice pile of savings without even realizing it!

Funny Thought: Imagine if your savings could talk: “Thanks for feeding me! I’ll grow bigger and bigger every time you add a little more!”

Pro Tip: Get into the habit of saving a percentage of everything you earn. Even saving small amounts regularly can add up to big savings over time.

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Chapter 6: Investing—How to Make Your Money Grow While You Sleep

(Yes, You Can Start Investing as a Teen!)

One of the best ways to make money work for you is by investing it. Investing means using your money to buy things that will grow in value over time. For example, you could invest in stocks, a small business, or even your education, which can help you earn more in the future. The earlier you start, the more time your money has to grow.

Example Time!

Imagine you save up $100 and invest it in a small business idea, like making custom T-shirts. You buy supplies, make some awesome designs, and sell them to friends and family. If each T-shirt costs $10 to make and you sell them for $20, you’ve just doubled your investment!

Funny Thought: Imagine your money having a little garden that it waters every day, growing more dollars from tiny seeds. “Look, I’m making more of me!”

Pro Tip: Start small. You don’t need a lot of money to invest, just the right mindset. Learn how investments work and watch your money grow.

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Chapter 7: Being a Leader—How to Inspire Others and Make Big Things Happen

(Leading Like Klaric and Building a Team Around You)

Leadership isn’t just for adults or business owners—it’s for anyone who wants to make things happen, including you! Jürgen Klaric teaches that good leaders inspire others by showing them how their ideas or products can change their lives. Being a leader means guiding people to do their best and making sure everyone’s working toward the same goal.

Example Time!

Let’s say you want to start a club at school. You get a few friends excited about it, and soon more people want to join. You listen to everyone’s ideas, assign roles (like who’s in charge of activities), and make sure everyone feels like part of the team. That’s leadership in action!

Funny Thought: Imagine being a leader of a team of superheroes. “Okay, everyone—let’s use our powers together to make something awesome happen!”

Pro Tip: A great leader listens, supports, and helps others succeed. You don’t have to do everything yourself; being a leader is about bringing out the best in others.

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Chapter 8: Making Money Fun—Turning Your Ideas into Action

(How to Have Fun While Growing Your Wealth)

Making money doesn’t have to be boring—it can be a fun challenge! Whether you’re starting a small business, saving up for something special, or even helping others with your ideas, you can make the journey of growing wealth enjoyable and exciting. The key is to think creatively, involve your friends, and treat your money projects like fun experiments where you’re always learning and improving.

Example Time!

You and your friends want to raise money for a cool trip. Instead of just doing a typical bake sale, you decide to create a “Fun Challenge Day” at school, where students can pay to enter games like a water balloon toss or an obstacle course. You’re not only making money but also making the whole process fun for everyone involved!

Funny Thought: Imagine if making money was like a game where every time you earned a dollar, confetti exploded out of nowhere. Who wouldn’t want to play that game?

Pro Tip: Find ways to make earning and saving money fun. Whether it’s through starting a small side hustle or coming up with creative ways to reach your financial goals, it’s all about having a good time while growing your wealth.

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Chapter 9: Giving Back—Why Sharing Your Success is So Important

(The Secret to True Wealth: Helping Others)

One of the best lessons from Rich Dad Poor Dad is that true wealth isn’t just about how much money you have—it’s about what you do with it. Successful people know that giving back to their community, helping others, and sharing their success is what makes them truly rich. When you use your money to help others, it doesn’t just make the world a better place, it makes you feel amazing too.

Example Time!

You’ve been saving and earning money from babysitting and selling crafts, and now you have a nice amount of savings. You decide to donate a part of it to a charity that helps animals, or maybe you use some of your earnings to buy school supplies for kids who need them. That’s using your success to lift others up!

Funny Thought: Imagine if every time you gave back, a giant heart-shaped balloon appeared above your head with the words “Super Kind!” floating inside.

Pro Tip: Make giving back a part of your money plan. Even if you start small, helping others with your time, talent, or money is one of the most rewarding things you can do.

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Chapter 10: The Road Ahead—You’re Just Getting Started!

(It’s Your Turn to Take Control of Your Future)

You’ve learned how to think about money, sell like a pro, save smart, invest wisely, and even lead others toward success. Now, it’s time for you to take control of your financial future! Whether you’re starting a small business, working a part-time job, or just beginning to save your allowance, every step you take now will help shape your future success.

Example Time!

Let’s say you decide to start a “Side Hustle Saturday,” where you try out new ways to make extra money every week. One week, it’s designing custom phone cases, the next it’s dog-walking services. You’re having fun experimenting, learning what works, and figuring out how to grow your wealth.

Funny Thought: Imagine if every new business idea you had turned into a little light bulb above your head, lighting up brighter and brighter with each success!

Pro Tip: Don’t be afraid to try new things and make mistakes along the way. Every step is a learning experience, and with the right mindset, you’ll keep getting closer to your goals.

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Conclusion: You’ve Got This!

Congratulations—you’ve taken the first steps toward mastering money, selling, saving, and leading! Whether it’s making smart choices with your allowance, starting a small business, or learning how to invest, you’re already ahead of the game. Remember, growing wealth isn’t about having tons of money right now; it’s about making smart decisions and setting yourself up for the future.

With what you’ve learned from Rich Dad Poor Dad and Jürgen Klaric’s neuromarketing concepts, you now have the tools to not only make money but to lead, inspire, and make a difference. You’re in control of your future, and it’s going to be amazing!

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The End of One Journey, the Start of Another

Now, it’s time for you to take what you’ve learned and start applying it in your life. Whether it’s saving your next $10, leading a group of friends, or coming up with your first business idea, you’re ready to make smart choices that lead to success. Remember, the journey to wealth is as much about the person you become along the way as it is about the money you make.

You’re smart, capable, and ready to be the boss of your future. Go out there and show the world what you can do!