You might dress in a similar way as a your friends, but you add your own touches. You might listen to music that's the same as what your friends like, but you'd rather listen to one singer or song than another. The point? You share many things with your friends and people your age, but you're still different.

Different is good. It means you're moving through life on your own path—taking your own direction to get where you want to go. You and thousands of other teens are all taking different directions to reach your separate goals.

But there's one goal you probably share with just about everyone—to be smart with your money. This means knowing how much money you have, what you're doing with it, and what you can do to make it grow.

Use this site to help you learn how to:

• Earn money
• Budget (or make a plan for your money)
• Save some money
• Spend smartly
• Borrow money and pay it back

You can also find out about credit unions—and what makes them different than banks.