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Key Takeaways Starting early gives teens a safe space to build real money habits like budgeting, tracking spending, and using a debit card before bigger financial responsibilities arrive. Readiness matters more than age; look for signs like consistent responsibility, some form of income, and curiosity about money before taking the next step. The Electrum Lite Checking Account is designed for teens with no monthly fees, fee-free overdraft protection, and tools that reward good habits without punishing mistakes. As a joint…