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6 Steps to Help Teens Plan Financially for the Future

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Financially Prepared Teens

(Family Features) For teenagers, retirement may seem like a lifetime away, but it’s never too early to start saving for the future. Because financial habits can be created at a young age, the sooner kids begin to save and learn about investing, the less likely they’ll face worries about money when they eventually stop working.

Teens are already thinking about retirement, according to the Achievement Teens & Retirement Survey conducted by Wakefield Research on behalf of Junior Achievement and MissionSquare Retirement’s Foundation. Among young adults ages 13-18 surveyed, 83% have thought about their retirement and 78% believe they’ll be able to retire comfortably when the time comes. However, only 60% view retirement as living on investments and savings after leaving work, believing instead retirement could mean taking extended time off for travel, study, illness or taking care of family matters.

“This research shows retirement is more top-of-mind for teens than one might think,” said Tim Greinert, president of Junior Achievement USA. “While young people have given retirement planning some thought, it’s apparent they still need information on the best way to go about it.”

Because nearly half of U.S. households (46%) report having nothing saved for retirement, according to the Survey of Consumer Finances, taking steps early to save and invest can help teens get a head start on achieving a successful retirement.

  1. Start now. The sooner you start, the longer you have to save and for investments to grow. Even though contributions may be small during your teens and 20s, it can make a dramatic difference in the long run.
     
  2. Pay yourself first. Whether through a dedicated savings account or an employer’s retirement plan, set aside a set percentage of each paycheck. Then prioritize spending on what you truly need and want.
     
  3. Invest what you save. Unless you save a lot, you’ll need to make the most of your savings by investing them to help them increase in value. According to the survey, teens believed investing in stocks and bonds with the help of a financial advisor (45%) or researched online (38%), buying real estate or property (30%) and buying cryptocurrency or non-fungible tokens (15%) are among the best ways to save for retirement.
     
  4. Find the right balance between investment risk and potential return. The ideal mix is one most likely to help meet investment goals with a level of risk you can handle. The longer you have to invest, the more risk you can likely take.
     
  5. Spread savings across different types of investments. This helps you manage risk. As some investments go through rough stretches, others are likely to hold steady or grow.
     
  6. Stick with your investing plan. Avoid making decisions based on emotions or in an attempt to time the ups and downs of the market. Focus instead on meeting goals over time.

“The fact that so many young adults in the early stages of their careers are aware of a variety of investment strategies is encouraging news,” said Deanna Santana, president, MissionSquare Foundation. “Over the course of our lifetimes, investment approaches, the economy and our priorities will change, so planning for life after work is an ongoing necessity – for teens and adults alike.”

Find more advice to plan for the future and achieve economic success at ja.org and missionsq.org.

Photo courtesy of Shutterstock

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SOURCE:
Junior Achievement

Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.

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Why do people get headaches and migraines? A child neurologist explains the science of head pain and how to treat it

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Last Updated on March 21, 2026 by Daily News Staff

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Why do people get headaches and migraines? A child neurologist explains the science of head pain and how to treat it

Katherine Cobb-Pitstick, University of Pittsburgh Curious Kids is a series for children of all ages. If you have a question you’d like an expert to answer, send it to CuriousKidsUS@theconversation.com.
Why do people get headaches? – Evie V., age 10, Corpus Christi, Texas

Whether sharp and stabbing or dull and throbbing, a headache can ruin your day. But your brain doesn’t actually feel pain. So what is going on when it feels like your head is in a vise or about to explode? I am a child neurologist – that is, a doctor who specializes in diseases of the brain in kids. Most of my patients are kids and adolescents who are struggling with headaches. Head pain is complicated, and there is still a lot to learn about what causes it and how it can be treated. But researchers know there are a few key players that take part in generating pain.

What are headaches?

Nerves communicate information like pain through electrical signals between the body and the brain. While the brain itself doesn’t have any nerve sensors to feel pain, blood vessels in the head and structures that protect and surround the brain do sense pain. When these tissues detect injury or damage, they release chemicals that trigger transmission of electrical signals through nerves to tell the brain the head is hurting. The brain will also use nerves to signal the body to respond to pain with symptoms like feeling tired, teary eyes, runny nose, upset stomach and discomfort in bright or loud environments. It’s not clear why humans evolved to feel these symptoms, but some scientists theorize that this can lead to healthier lifestyle choices to decrease the chance of future headache attacks.
Weather changes are one of the most commonly reported migraine triggers. Danielle Wilhour, a neurologist and headache specialist at University of Colorado Anschutz Medical Campus, explains why shifts in weather can bring on migraines — and what you can do to ease the pain.

What causes headaches?

Often, headaches are a sign that the body is under some kind of stress. That stress triggers chemical and physical changes to the nerves and blood vessels around your brain, head and neck that can cause headaches. Many types of stresses can cause headaches, including an infection, allergies, hormone changes during puberty and menstrual cycles, not getting enough sleep, not drinking enough water, skipping meals or drinking too much caffeine or alcohol. Sometimes, headaches happen with emotional stress, like feeling anxious or depressed. Even pressure in your sinuses due to changes in the weather can cause your head to hurt. One in 11 kids have had a type of severe headache called a migraine. They feel like a pulsing and pounding pain in your head and come with other symptoms, including nausea or being sensitive to lights and sounds. During a migraine, it can be hard to do everyday activities because they can make the pain worse. It is also very common to feel unwell or irritable before the head pain starts and after the pain is gone.
Person curled up on couch beneath a blanket, hand over head
Migraines and chronic headaches can be debilitating. Viktoriya Skorikova/Moment via Getty Images
Migraines occur when the nerves and other structures used in signaling and interpreting pain aren’t working properly, leading to pain and discomfort from stimulation that wouldn’t normally provoke this. There are many environmental and genetic factors that contribute to this dysfunction. Some people are born with a higher risk of developing migraines. Most people with migraines have someone in their family who also experiences them.

What can treat and prevent headaches?

Identifying what type of headache you’re experiencing is crucial to making sure it is treated properly. Because migraines can be severe, they’re the type of headache that most often leads to doctor’s visits for both kids and adults. There are several ways to reduce your chances of having headaches, such as drinking plenty of water and limiting caffeine. Eating, sleeping and exercising regularly are other ways you can help prevent headaches.
Person with head resting on forearms on top of a pile of books in a library
Sleep deprivation can worsen headaches. DjelicS/iStock via Getty Images Plus
While painkillers like ibuprofen are often enough to relieve a headache, prescription medications are sometimes necessary to make head pain more bearable. Some medications can also help control or prevent headache episodes. Physical therapy to exercise the body or behavioral therapy to work on the mind can also help you manage headache pain. There are even electronic devices to treat headaches by stimulating different parts of the nervous system. It is important to talk with a doctor about headaches, especially if it’s a new problem or you experience a change in how they usually feel. Sometimes, brain imaging or blood tests are needed to rule out another health issue. Recognizing a headache problem early will help your doctor get started on helping you figure out the best way to treat it.
Hello, curious kids! Do you have a question you’d like an expert to answer? Ask an adult to send your question to CuriousKidsUS@theconversation.com. Please tell us your name, age and the city where you live. And since curiosity has no age limit – adults, let us know what you’re wondering, too. We won’t be able to answer every question, but we will do our best. Katherine Cobb-Pitstick, Assistant Professor of Child Neurology, University of Pittsburgh This article is republished from The Conversation under a Creative Commons license. Read the original article.
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4 Tips to Maximize Nutritional Goals While On a GLP-1

GLP-1 medications for weight loss have gained popularity, with new research emphasizing the importance of nutrition and lifestyle. Prioritizing protein and fiber can combat common side effects like nausea and constipation, while staying hydrated and eating smaller meals enhances tolerance. Adopting these habits may improve weight loss results for GLP-1 users.

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Last Updated on March 20, 2026 by Daily News Staff

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(Feature Impact) The first GLP-1 (Glucagon-Like Peptide-1) medication was approved for weight loss use more than a decade ago with new more effective versions being approved by the FDA over the past few years. As the use of these medications continues to rise, new research highlights the important role nutrition and lifestyle habits can play in supporting muscle, metabolism and long-term weight loss when using the medication.

Whether you’re new to GLP‑1s or navigating the next phase of your journey, small nutrition shifts powered by protein, fiber and hydration can help you feel strong, confident and supported.

Common side effects experienced by GLP-1 users are often digestive and include nausea, constipation, stomach pain, bloating and more. A pilot clinical trial by Atkins suggests pairing GLP‑1 use with targeted macronutrients, especially protein and fiber, may support healthier body composition and a lower-carb diet with higher protein and fiber intake is well tolerated.

Feast On Fiber
Digestive slow‑downs, including constipation, are among the most common GLP‑1 side effects. Prioritizing fiber not only helps food move comfortably through the body, it supports your gut health and steady energy. Many fibers are prebiotics, meaning they promote the growth of beneficial gut bacteria. Prioritize foods like apples, melon, berries, cruciferous vegetables and leafy greens to boost fiber intake.

Prioritize Protein
When your appetite changes, structure helps. Anchoring your day with reliable protein sources helps make nutrition easy. Prioritizing protein may help prevent lean muscle loss, and nutrient dense protein sources can help you get enough essential nutrients to support overall health. Supporting a protein- and fiber-rich diet can start with a solution like Atkins High Protein Shakes, which are packed with 30 grams of protein and 7 grams of prebiotic fiber and provide more than 20 essential vitamins and minerals.

Designed to be an ally for your nutritional goals, they’re gluten-free, low-glycemic and keto-friendly with 3 grams of net carbs and 1 gram of sugar per serving. Experts recommend making sure you’re consuming enough protein to help limit lean muscle loss when using a GLP-1 to lose weight.

Hydrate to Help Prevent Side Effects
GLP-1 users in particular are encouraged to prioritize fluids. Staying hydrated can help with both constipation and nausea, two common side effects. Drinking water helps support kidney and liver function, which are vital for weight loss and overall health. Adequate fluids help food move through your body, combat fatigue and replenish losses from potential nausea or constipation, preventing complications and improving tolerance to GLP-1s.

Eat Small, Frequent Meals
Large meals can feel uncomfortable when digestion slows. Instead, focus on smaller, more frequent eating moments that give your body a steady supply of nutrients without overwhelming your system.

For an easy, GLP‑1‑friendly option, try Atkins High Protein Bars, which are high in protein and fiber while minimizing net carbs. Available in flavors like Cookie Fusion, Chocolate Peanut Butter and Brownie Delight, they’re a satisfying way to stay fueled between meals and a simple solution when appetite cues are muted. The snacks are designed to take the guesswork out of choosing high‑protein, low‑carb options that support your goals.

Living well on a GLP‑1 is about support, confidence and clarity. Consuming adequate amounts of protein and fiber, staying hydrated and maintaining daily structure can help you feel energized and empowered every step of the way. By following nutritional guidelines and making mindful lifestyle choices, GLP-1 users can experience better outcomes on their weight loss journeys.

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To explore products that prioritize protein and fiber that can be a part of anyone’s daily diet, visit Atkins.com.

Photo courtesy of Shutterstock

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Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.


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Ready, Set, Spring: 5 Smart Early-Season Yard Tips

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Ready, Set, Spring: 5 Smart Early-Season Yard Tips

(Feature Impact) As the days lengthen and warm air has you ready to get your patio furniture out of storage, that means it’s time to give your yard a fresh start. With a little planning now, you’ll be rewarded with a fuller, greener and easier-to-maintain outdoor space once spring is in full bloom.

1. Start With a Clean Slate
Winter leaves behind plenty of debris, including fallen branches and matted leaves. Before you start planting, take a walk around your yard and tidy up:

  • Rake moisture-trapping twigs and leaves that can cause fungus
  • Remove dead plants or spent annuals from flower beds
  • Sweep or power wash patios and walkways

2. Tune Up Tools
Digging into yard work only to find rusty shears or a squeaky mower can prolong the task. Instead, ensure your tools are in good working order:

  • Sharpen blades on lawn mowers, shears and pruners
  • Install fresh string on trimmers and weed eaters
  • Replace old fuel or clean air filters on gas-powered tools

3. Assess Your Lawn
Early spring is ideal for noticing how winter treated your grass. Dethatching and aeration can go a long way toward helping grass absorb nutrients. Set the stage for lush growth once warmer weather arrives by looking for:

  • Bare patches that need reseeding
  • Weeds making an early debut
  • Compacted soil where water pools instead of soaking in

4. Give Plants the Right Start
Now’s the time to prep beds for new life. Before you plant:

  • Loosen soil and mix in compost for nutrients
  • Add mulch around perennials
  • Plan your planting based on sun and shade patterns

5. Hydrate Wisely
Strong roots start with proper hydration. Even before sprigs pop up, early spring can be dry as the sun gets higher. Remember to:

  • Water flowerbeds if rainfall has been scarce
  • Check irrigation systems for damage
  • Mulch lightly after soil warms to lock in moisture

Getting your yard ready early in spring isn’t about perfection; it’s about setting yourself up for outdoor enjoyment all season long. Find more tips to get your yard in shape at eLivingtoday.com.

Photo courtesy of Shutterstock

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eLivingtoday.com

Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.


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