Bro Money Basics
This is what you call money you earn from a job or side hustle.
Income
The “hidden fee” that makes fast food become a financial crime scene when delivered.
Delivery fees / tips (DoorDash/Uber Eats fees)
If something says “free trial” but asks for a card, the trap is usually this.
Auto-renewal subscription
This is the monthly cost people forget when they buy a car.
Insurance
“The borrower is servant to the lender” is from which book?
Proverbs (Proverbs 22:7)
“Pay yourself first” usually means do this before you spend on fun.
Save first (after tithing!)
Name one monthly subscription people forget they pay for.
Streaming/music/gym/app subscriptions (Netflix/Spotify/etc.)
“DM me your bank login so I can fix it” is not customer service. It’s this.
A scam / phishing
The cheapest “car upgrade” that prevents expensive problems is regular…
Maintenance (oil changes, tire pressure, etc.)
This is the classic wisdom principle: build your “house” on something solid—financially, that means don’t build life on…
Debt / shaky spending habits (accept either)
This is the plan that tells your money where to go so it doesn’t “mysteriously disappear” into snacks.
A budget
You buy a $4 drink every school day. Roughly how much per month (20 days)?
About $80
“Buy now, pay later” feels painless because of this.
It delays the pain (debt later)
If you can’t pay for something without borrowing, you probably can’t…
Afford it
What's it called when you set aside money for emergencies before fun spending?
Emergency fund
If you save $20/week, about how much do you save in a year?
$1,040 (20×52)
This is why “I’ll just get a cheap car” can still get expensive fast.
Maintenance/repairs/insurance/gas (any of these)
Someone promises guaranteed returns and says “no risk.” That’s the red flag called…
Too good to be true (or “guaranteed returns” = scammy)
What’s one reason financing a phone can be a bad deal for teens?
Locked into payments / higher total cost / late fees / commitment
“Where your treasure is, there will your heart be also” = your spending shows your…
Priorities
This simple rule says: give some, save some, spend some (three buckets).
Give / Save / Spend (or “tithing, savings, spending”)
The fastest way to feel broke while technically earning money is…
Spending everything you make (a.k.a. lifestyle creep)
The best first response to a sketchy money offer is:
Slow down / ask a trusted adult / don’t click / don’t send money (any of these)
You buy a $22,000 car with a payment you “barely” afford. The financial danger is…
One problem (job loss/repair) breaks you (too tight margin)
If you want financial peace fast, the first habit isn’t investing—it’s…
Tracking what you spend (awareness)