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If your teen fails to do so, you might have him help pay for fees or interest charges to show his actions do have financial consequences, while still allowing him to practice and learn.

Guglielmetti adds that financial help extended to teens — be it cash or credit — should be looked at as “practice money.” “You can’t really expect an 18-year-old to suddenly have good money-management skills without having had anything to try before,” she says.

There should be several conversations that take place before your child ever receives access to credit on his own.

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