"Smart Money, Real Talk: Financial Literacy For Today's Teenagers" empowers young adults to take charge of their financial futures through easy to follow practical strategies and modern technology with the use of money management apps on their smart phones, tablets or laptops. By setting achievable goals and fostering open, honest communication, parents and teens learn to navigate budgeting, saving and responsible spending together in a tech-savvy world. Packed with helpful information, inspiring stories, actionable steps and a free monthly budget planner template as a bonus, this unique book helps to build a strong foundation for a positive money mindset that will last a lifetime. Phyllis Harris is more than just a voice in the financial literacy world, she is also a dedicated volunteer, activist and advocate for education, economic empowerment and informed decision making for everyone, especially children and young adults.Phyllis holds a BS in Business Finance and Economics from Fairleigh Dickinson University, a Masters in Business from the University of Massachusetts Dartmouth and has a vast background with years of experience in investment finance working for major Fortune 500 corporations such as Morgan Stanley and JPMorgan Chase. "Smart Money, Real Talk: Financial Literacy For Today's Teenagers" marks Phyllis' debut into the world of publishing, further affirming her commitment to education, sharing knowledge and empowering others. Behind the scenes, she is also a proud mother of two daughters who hopes to inspire and enable not just her own family but teens and young adults everywhere to have the confidence and the tools they need to take control of their economic futures and build strong financial foundations.