Real-Life Financial Skills for Your Future

Real Money Skills. Real Confidence.

The essential guide that empowers teens and young adults with practical money management skills they don’t teach in school.

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Why This Book Matters

Financial literacy isn’t just about money—it’s about freedom, confidence, and building the life you want. This guide breaks down complex financial concepts into actionable steps designed specifically for young people.

Easy budgeting steps

You’ll learn how to create a simple, realistic budget that helps you manage your money without stress or confusion. The guide shows you how to save, spend, and plan confidently so your money lasts and works for you.

Credit & debt basics

You’ll understand how credit really works, what debt means, and how to avoid common financial mistakes. The book explains credit cards, loans, and interest in clear, everyday language so you can make smart decisions early.

Tax and job tips

You’ll learn what taxes are, how to read your paycheck, and what to expect financially from your first job. The guide helps you understand your earnings and manage your income wisely from day one.

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Meet Ella Shahbazian

Ella Shahbazian is a 15-year-old author, youth advocate, and founder of Ella’s Angels, a nonprofit dedicated to empowering and uplifting young people across Los Angeles. While maintaining a 4.0 GPA at Rose & Alex Pilibos School and completing 21 college credits through LACC, Ella has always believed that education should prepare young people not only for exams, but for real life. That belief is what inspired her to write The Real-Life Financial Resource Guide for Youth. Growing up, Ella noticed a huge gap in what teens are taught in school versus what they actually need to know to succeed̶ especially around money. Many of her friends didn’t understand taxes, budgeting, credit, or how to plan for their future. She saw how financial stress impacted families in her community and realized that most young people enter adulthood without the tools to navigate even the basics of financial independence. Instead of waiting for change, Ella decided to create a resource herself̶ written by a teen, for teens.

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Her Motivation for Writing This Book

If every young person had access to practical financial knowledge early on, their futures could look dramatically different.

Drawing from her own learning experiences, online courses from Yale, Harvard, University of Geneva, and the University of London, and countless conversations with educators and students, Ella built a guide that is clear, relatable, and easy to use. Her goal is to break complicated financial concepts into simple steps so teens can feel confident and prepared long before they enter the real world.

Ella hopes this book will spark a movement of youth financial empowerment̶ one where teens understand their worth, know their options, and make informed choices that shape a better future. True to the mission of Ella’s Angels, this project reflects her belief that when teens are given knowledge and support, they don’t just survive̶ they thrive, lead, and inspire positive change in their communities

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Financial literacy isn't just about money—it's about freedom, confidence, and building the life you want.

Ella s.

Book Summary

The Real-Life Financial Resource Guide for Youth is a practical, easy-to understand handbook designed to help teens and young adults navigate the financial realities of adulthood with confidence. Written by 15-year-old author and youth advocate Ella Shahbazian, this guide breaks down essential financial topics that most schools never teach ̶ from budgeting and saving to credit, taxes, employment, and long-term planning.

Ella uses a friendly, relatable approach to simplify complex financial concepts and make them accessible to young people at every level. The book includes real-life examples, step-by-step explanations, and actionable tips that teens can apply immediately in their daily lives. Whether readers are getting their first job, opening a bank account, planning for college, or trying to understand how money really works, this guide gives them the tools to make smart, informed decisions.

More than just a financial handbook, the book reflects Ella’s larger mission: to empower youth with the knowledge and confidence they need to build strong, stable futures.

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Start Your Financial Journey Today

Give yourself or a young person in your life the gift of financial knowledge. The earlier you start, the brighter your future.

Ella is also an author dedicated to empowering teens through education. Beyond financial literacy, her work extends into legal awareness, helping young people understand their rights and navigate real-life situations with confidence and clarity.

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Our Contact Details

Financial Guide

Empowering youth with essential financial literacy skills for a brighter, more secure future.

Email

ella@ellasangels.org

Phone No

855-ELLASANGELS

Address

Ella Shahbazian Burbank, California