Build a Teenager's Financial Literacy Foundation

You want your teenager to understand budgeting and debt before the world teaches them the hard way, but a lecture goes straight over their head. This builds a practical money curriculum across six core skills: budgeting, wants versus needs, saving, credit, and the rest, pitched at their age and earning. You give their experience and income; it turns a sermon into something they'll actually use.

<context>
Your teenager is aged {TEEN_AGE} and has [little / some / no] experience managing money. They currently have [pocket money / part-time job / neither]. You want to teach real financial skills without lecturing.
</context>

<task>
**Design a practical financial literacy curriculum for your teenager** covering six core concepts:
1. How to budget a monthly income (however small)
2. Distinguishing wants from needs in real decisions
3. Understanding interest: debt and savings
4. How to open and use a first bank account responsibly
5. Introduction to the concept of long-term saving
6. How to avoid the most common financial traps for young people (BNPL, overdrafts, social pressure spending)

For each concept, provide one hands-on activity they can do this month.
</task>

<output_format>
- Six numbered sections, each with: concept explanation (plain language) + hands-on activity
- Total time commitment per activity (should be under 30 minutes each)
- One conversation starter for each concept that avoids lecturing
</output_format>