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Planning for a Positive Economic Future: Financial literacy tips for teens

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Last Updated on May 8, 2025 by Daily News Staff

Financial literacy (Family Features) Financial literacy is a critical skill that helps set the foundation for a stable and prosperous future. By understanding the basics of money management, teens can make informed decisions and avoid common financial pitfalls. According to the annual Teens and Personal Finance survey, a study of teens ages 13-18 conducted by Wakefield Research on behalf of Junior Achievement and MissionSquare Retirement’s Foundation, 45% of high schoolers took a personal finance or financial literacy class at school. This is up from 31% in 2024, indicating the nation’s youth are interested in building a strong financial foundation. What’s more, of the students who took their school’s curriculum, 64% found it extremely or very helpful, yet despite this increase, data reveals knowledge gaps remain. In fact, 42% of teens surveyed are terrified they won’t have enough money to cover their future needs and goals. “There is so much for teens to absorb when learning about finances and planning for their future, they often struggle to envision what lies ahead,” said Andre Robinson, president and CEO of MissionSquare Retirement. “Offering engaging programs that can boost financial knowledge and decision-making skills can only help to inspire young individuals to build a strong foundation of lifelong financial resilience.” Consider discussing these economic topics with your teen to help make a positive impact on students’ financial readiness and get them ready for financial decisions they’ll face in adulthood. Mastering Saving and Budgeting A good starting point for teens is to create a simple budget that tracks income and expenses. Because only 36% of teens surveyed save a part for their futures when they receive money, this can help them understand where money is going and identify areas they may be able to save for the future. This is particularly important considering 68% of teens agree that saving for retirement is something they can think about later in life. Understanding Credit Credit is a powerful tool but can also be a source of financial trouble if not managed properly. It’s essential to understand how financial behaviors, like paying bills on time and keeping credit card balances low, impact their credit scores. A higher FICO score, which 80% of teens surveyed had never heard of or did not fully understand, can lead to better interest rates and more favorable loan terms. Managing Common Debt Pitfalls According to the survey, 43% of teens believe an interest rate of 18% on debt is manageable and can be paid off over time. However, it’s important to understand the true cost of debt and how interest rates can accumulate over time and lead to significant financial strain. Establishing good debt management habits early, such as avoiding high-interest debt and paying off balances quickly, can lead to a healthier financial future. Investing and Planning Ahead According to the survey, teenagers’ most appealing investing strategies are savings accounts, side hustles and keeping cash at home, and only 13% invest a portion of their money. Encouraging teens to learn about different types of investments, such as stocks, bonds and mutual funds, can help them make informed decisions and begin to build long-term wealth. For more information on how to help teens improve their financial knowledge, visit ja.org.   Photo courtesy of Shutterstock   collect?v=1&tid=UA 482330 7&cid=1955551e 1975 5e52 0cdb 8516071094cd&sc=start&t=pageview&dl=http%3A%2F%2Ftrack.familyfeatures SOURCE: Junior Achievement  

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Seeing the Possibilities: Living with Low Vision

Millions of Americans face challenges due to low vision, a condition that is not an inevitable part of aging. February’s Low Vision Awareness Month highlights the importance of eye exams and awareness. Effective management strategies include environmental modifications, assistive devices, and vision rehabilitation services to improve daily living and maintain independence.

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Millions of Americans are living with low vision, a visual impairment that can turn everyday moments into unexpected challenges. Consider this information to make the most of your vision and improve your quality of life.

(Family Features) Millions of Americans are living with low vision, a visual impairment that can turn everyday moments – recognizing a friend’s face across the street, reading a recipe or checking a text message – into unexpected challenges.

Low vision isn’t a natural part of getting older, though the conditions that cause it do become more common with age.

Whether low vision is affecting you or a loved one, Low Vision Awareness Month is a perfect time to have your eyes examined for signs of eye diseases and to take steps to make daily life easier if you are experiencing low vision.

Consider this information from the National Eye Institute to make the most of your vision and improve your quality of life.

Understanding low vision
You may have low vision if you can’t see well enough to read, drive, recognize faces, distinguish colors or see screens clearly.

Many different eye conditions can cause low vision, but the most common causes are age-related macular degeneration, cataracts, glaucoma and diabetic retinopathy, a condition that can cause vision loss in people with diabetes.

The most common types of low vision are:

  • Central vision loss (not being able to see things in the center of your vision)
  • Peripheral vision loss (not being able to see things out of the corners of your eyes)
  • Night blindness (not being able to see in low light)
  • Blurry or hazy vision

Diagnosing low vision
Your doctor can check for low vision as part of a simple, painless comprehensive dilated eye exam. He or she will ask you to read letters that are up close and far away and will check whether you can see things in the center and at the edges of your vision.

Then eye drops are used to widen your pupils and check for other eye problems – including conditions that could cause low vision.

Low vision is usually permanent, but glasses, medicine or surgery may help with daily activities or slow progression.

Living with low vision
If you have low vision, you aren’t alone. There are steps you can take to make life easier.

For minor vision loss, simple adjustments like using brighter lights, wearing anti-glare sunglasses and using magnifiers can help. Changing the settings on your phone and computer to increase contrast, make text larger or have the device read out loud may also help.

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If your vision loss is getting in the way of everyday activities, ask your eye doctor about vision rehabilitation. These services can give you skills and resources to help manage your daily life and keep your independence. Examples include:

  • Employment and job training
  • Environmental modifications, like improving lighting and contrast
  • Assistive devices and technologies, like magnifiers, filters and screen readers
  • Adaptive strategies for daily living and independent living skills training
  • Emotional support, like counseling or support groups
  • Transportation and household services

Finding the right vision rehabilitation services and support may take time, but working closely with your eye doctor or care team is an important first step. Discuss your needs and goals for living with your visual impairment so they can help identify the best services for you.

For additional resources and information on vision rehabilitation, visit nei.nih.gov/VisionRehab.

Photo courtesy of Shutterstock

collect?v=1&tid=UA 482330 7&cid=1955551e 1975 5e52 0cdb 8516071094cd&sc=start&t=pageview&dl=http%3A%2F%2Ftrack.familyfeatures
SOURCE:

National Eye Institute


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How to avoid seeing disturbing video on social media and protect your peace of mind

How to avoid seeing disturbing video on social media and protect your peace of mind

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Last Updated on January 29, 2026 by Daily News Staff

How to avoid seeing disturbing video on social media and protect your peace of mind
Social media often serves up disturbing images but you can minimize your exposure. Jacob Wackerhausen/iStock via Getty Images

Annie Margaret, University of Colorado Boulder

How to avoid seeing disturbing video on social media and protect your peace of mind

When graphic videos like those of the recent shooting of a protester by federal agents in Minneapolis go viral, it can feel impossible to protect yourself from seeing things you did not consent to see. But there are steps you can take.

Social media platforms are designed to maximize engagement, not protect your peace of mind. The major platforms have also reduced their content moderation efforts over the past year or so. That means upsetting content can reach you even when you never chose to watch it.

You do not have to watch every piece of content that crosses your screen, however. Protecting your own mental state is not avoidance or denial. As a researcher who studies ways to counteract the negative effects of social media on mental health and well-being, I believe it’s a way of safeguarding the bandwidth you need to stay engaged, compassionate and effective.

Why this matters

Research shows that repeated exposure to violent or disturbing media can increase stress, heighten anxiety and contribute to feelings of helplessness. These effects are not just short-term. Over time, they erode the emotional resources you rely on to care for yourself and others.

Protecting your attention is a form of care. Liberating your attention from harmful content is not withdrawal. It is reclaiming your most powerful creative force: your consciousness.

Just as with food, not everything on the table is meant to be eaten. You wouldn’t eat something spoiled or toxic simply because it was served to you. In the same way, not every piece of media laid out in your feed deserves your attention. Choosing what to consume is a matter of health.

And while you can choose what you keep in your own kitchen cabinets, you often have less control over what shows up in your feeds. That is why it helps to take intentional steps to filter, block and set boundaries.

Practical steps you can take

Fortunately, there are straightforward ways to reduce your chances of being confronted with violent or disturbing videos. Here are four that I recommend:

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  • Turn off autoplay or limit sensitive content. Note that these settings can vary depending on device, operating system and app version, and can change.

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  • Use keyword filters. Most platforms allow you to mute or block specific words, phrases or hashtags. This reduces the chance that graphic or violent content slips into your feed.
  • Curate your feed. Unfollow accounts that regularly share disturbing images. Follow accounts that bring you knowledge, connection or joy instead.
  • Set boundaries. Reserve phone-free time during meals or before bed. Research shows that intentional breaks reduce stress and improve well-being.
a settings screen with a red rectangle around one option
Where to turn off autoplay in your account on Facebook’s website. Screen capture by The Conversation, CC BY-ND

Reclaim your agency

Social media is not neutral. Its algorithms are engineered to hold your attention, even when that means amplifying harmful or sensational material. Watching passively only serves the interests of the social media companies. Choosing to protect your attention is a way to reclaim your agency.

The urge to follow along in real time can be strong, especially during crises. But choosing not to watch every disturbing image is not neglect; it is self-preservation. Looking away protects your ability to act with purpose. When your attention is hijacked, your energy goes into shock and outrage. When your attention is steady, you can choose where to invest it.

You are not powerless. Every boundary you set – whether it is turning off autoplay, filtering content or curating your feed – is a way of taking control over what enters your mind. These actions are the foundation for being able to connect with others, help people and work for meaningful change.

More resources

I’m the executive director of the Post-Internet Project, a nonprofit dedicated to helping people navigate the psychological and social challenges of life online. With my team, I designed the evidence-backed PRISM intervention to help people manage their social media use.

Our research-based program emphasizes agency, intention and values alignment as the keys to developing healthier patterns of media consumption. You can try the PRISM process for yourself with an online class I launched through Coursera in October 2025. You can find the course, Values Aligned Media Consumption, on Coursera. The course is aimed at anyone 18 and over, and the videos are free to watch.

This story was updated on Jan. 25, 2026 to include reference to the recent shooting in Minneapolis.

Annie Margaret, Teaching Assistant Professor of Creative Technology & Design, ATLAS Institute, University of Colorado Boulder

This article is republished from The Conversation under a Creative Commons license. Read the original article.

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Understanding Cardiovascular Disease Risk Factors: Numbers to Know in 2026

The American Heart Association’s 2026 update reveals a decrease in deaths from heart disease and stroke, despite rising rates of high blood pressure, diabetes, and obesity. Following their Life’s Essential 8 guidelines can prevent 40% of cardiovascular deaths, emphasizing the importance of healthier lifestyles for improved heart health.

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Understanding Cardiovascular Disease Risk Factors: Numbers to Know in 2026

Understanding Cardiovascular Disease Risk Factors: Numbers to Know in 2026

(Family Features) Taking care of your heart with healthy behaviors may be at the top of your wellness priority list already, and there may be good news about the effects of adhering to expert recommendations.

New information from the American Heart Association’s 2026 Heart Disease & Stroke Statistics Update shows deaths from heart disease and stroke are on the decline. However, rates continue to climb for high blood pressure, diabetes and obesity – all of which are health risk factors that contribute to cardiovascular disease.

Following expert guidance can be your prescription for better health as 80% of heart disease and stroke is preventable.

To help maintain and improve your cardiovascular health, consider following the American Heart Association’s Life’s Essential 8, which is a set of four health behaviors (eat better, be more active, quit tobacco and get healthy sleep) and four health factors (manage weight, control cholesterol, manage blood sugar and manage blood pressure).

In the United States, optimal Life’s Essential 8 scores could prevent up to 40% of annual all-cause and cardiovascular disease deaths among adults.

Consider these highlights from the statistics update:

  • Heart disease remains the leading cause of death in the U.S. and stroke is the No. 4 leading cause of death.
  • Together, heart disease and stroke accounted for more than a quarter of all deaths in the U.S. in 2023.
  • Cardiovascular diseases, including all types of heart disease and stroke, claim more lives in the U.S. each year than all forms of cancer and accidental deaths — the Nos. 2 and 3 causes of death – combined.
  • On average, every 34 seconds, someone died of cardiovascular disease in 2023.
  • On average, about two people died of heart disease every 3 minutes in the U.S. in 2023.
  • On average in 2023, someone died of stroke every 3 minutes, 14 seconds in the U.S.
  • Nearly half of U.S. adults now have high blood pressure.
  • Nearly 29.5 million U.S. adults have diagnosed diabetes.
  • About 50% of U.S. adults have obesity or severe obesity, and 28.1% of youth ages 2-19 have obesity.
  • Only 1 in 4 U.S. adults meets national physical activity guidelines. Only 1 in 5 U.S. youths ages 6-17 are physically active for 60 minutes or more every day of the week.

To learn more about how to reduce your risk of cardiovascular disease, visit heart.org.

Photo courtesy of Shutterstock

collect?v=1&tid=UA 482330 7&cid=1955551e 1975 5e52 0cdb 8516071094cd&sc=start&t=pageview&dl=http%3A%2F%2Ftrack.familyfeatures
SOURCE:

American Heart Association


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