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MAKE IT MAKE ¢ENTS

Welcome to Make it Make Cents, a series of articles designed to be your go-to resource for understanding and mastering the world of finances. Whether you're working at your first part-time job, saving up for that dream gadget, or planning for the future ahead, this series is tailored just for you – the savvy teen ready to unlock the secrets of financial literacy.

From budgeting basics and understanding credit to the ins and outs of investing and planning for your financial future, Make it Make Cents will be your trusted companion on this exciting journey toward financial freedom. With the right tools and knowledge, you can make informed decisions that will set you on a path to success.

So, buckle up and get ready to embark on a financial adventure where you'll learn not only how to make your money work for you but also how to develop habits that will serve you well for a lifetime. Let's dive in and make some smart money moves together!

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Articles By Topic

401k

Futureproof Your Finances: A High School Guide to 401(k)s

Auto Insurance

A Crash Course in Coverage: Essential Auto Insurance Options

Banking Options

Banking Bonanza: Exploring Your Financial Playground

Benefits

JWB: Jobs with Benefits

Borrowing

Borrowing Besties: Learning the Lingo of Loans

Budgets

Dollars & Sense: The Essential Guide to Budgeting

Business Structures

The Building Blocks of Business: A Guide to Business Structures

Cash vs Credit

Work Hard, Buy Hard: How to Spend Smartly

Checking vs Savings

Saving Stash or Spending Splash: A Teen's Dilemma

College & Careers

Congrats, Grad! …Now What?

Compensation Types

Show Me the Money! Exploring Types of Compensation

Compound Interest

The Magic Money Multiplier: An Introduction to Compound Interest

Credit Cards

Navigating the World of Plastic: A Guide to Credit Cards

Credit Scores

What’s Your Number? Your Guide to the Mysterious World of Credit Scores

Cryptocurrency

Decoding the Digital Currency Craze: A Teen's Guide to Cryptocurrency

Earning

In Your Earning Era: Turning Your Talents into Treasure

Emergency Savings

Rainy Day Readiness: Building Your Emergency Savings

Equity Investments

From Piggy Bank to Portfolio: An Intro to Equity Investments

Estate Planning

Level Up Your Legacy: Financial Security for the Next Generation

FASFA

FAFSA: Your Key to College Financial Aid

Financial Plan

The Money Roadmap: Why You Need a Financial Plan (Even in High School)

Financial Services Jobs

Beyond the Bank Teller: Careers in Finance

Health Insurance

Public, Private, & Premiums: How Government & Business Influence Health Insurance

Government Jobs

Uncle Sam Wants YOU! To Work for Him: The Pros and Cons of Government Jobs

Impulse Buying

The Impulse Buyer’s Survival Guide

Inflation

Keeping a Balance in the Inflation Equation

Insurance Fraud

Fool Me Once: Insurance Scams & How to Avoid Them

Insurance

Insurance Avengers: Assemble! Choosing the Right Shields for Your Financial Fortress

Insurance Part 2

But Wait, There’s More! Insurance Overload

Investing 101

Investing 101: Planting Seeds for Your Future Harvest

IRAs

Retirement? More Like Retire-MINT! How IRAs Grow Your Money

Marketing Tricks

The Jedi Mind Tricks of Marketing: How Companies Sway Your Spending

Money Market Accounts

MMAs & MMFs….IYKYK

Mortgages

Your Dream Home: How Mortgages Make It Happen

Negotiating Salary

Money Talks: Negotiating Your Salary

Opportunity Cost

Decisions, Decisions: Understanding Opportunity Cost

Payday Loans

Payday Loans: The Shortcut That Can Make You Lose Your Way

Regulatory Bodies

The Referees of Finance: Understanding Regulatory Bodies

Renting vs Buying

Renting vs. Buying: The Great Dwelling Dilemma

Resume & Interviews

Resume Ready, Interview Ace: Landing Your First Gig

ROI of College

College Countdown: Is It Worth the Climb? Weighing the Dollar Signs of Your Degree

ROI

Unlocking Financial Jargon: A High Schooler's Guide to ROI

Savings Accounts

Unlocking the Vault: Exploring Savings Accounts

Social Security

Social Security: Yes, Another Old People Thing That You Should Learn About

Spending & Saving

Mastering the Magic of Money: Becoming a Spending & Saving Wizard

Stock Market

Cracking the Code: A Beginner's Guide to the Stock Market

Taxes

Navigating the Tax Maze: Credits, Deductions, and Returns, Oh My!

W-2

W-Who? W-2: Your Ticket to Tax Time

Volatility and Market Manipulation

A Rollercoaster Ride: Volatility & Manipulation in the Stock Market

Types of Healthcare

Passport to Good Health: Exploring Healthcare Systems Around the World

© 2025 by APEF. All rights reserved.

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