What does it mean to be young? In the broadest of terms, it means to be on the early side of the spectrum, to have a path ahead, to be certain that progress is possible.

A few weeks ago, I was listening to a special episode of the Teacher’s Off Duty Podcast with Daymond John and they were talking about teaching kids financial literacy. One idea they mentioned was having an in-class economy, where students earn classroom currency and then have to budget their money accordingly.

January is a ripe time for wanting to start a new habit, but is it always worth it? I developed the tool below where you answer a few short questions using the Negative Five to Five (NFTF) scale to answer that very question.