TeenCapital

Build Wealth. Give Generously.

You Are a Steward, Not an Owner.

Most culture tells teens to spend everything they make on things that won't last. But you aren't built for standard advice. True financial freedom starts when you realize that everything you have is a gift from God, and you are the manager of it. TeenCapital is here to help you master the game of money early; so you can stay completely out of debt, build real wealth, and have the freedom to bless others like crazy.

The Framework

BUILD

Learn the mechanics of generating income, understanding diligent investing, and compounding your resources. We focus on building wealth slowly and intentionally through hard work and patience, avoiding get-rich-quick traps.

MANAGE

Take total control of your cash by automatically splitting every single dollar you make into a clear, high-impact framework:

10% • Tithe: Returning the first tenth to God through your local church. This sets your heart on stewardship first.

50% • Save & Invest: Stacking cash for your emergency fund, future goals, and wealth-building assets.

40% • Spend & Give: Your fuel for everyday living, expenses, and strategic giving. Budget everything else inside this bucket.

GIVE

Generosity isn't an afterthought—it’s the priority. Discover the joy of tithing and strategic giving. When you manage money wisely and stay completely free from debt, you unlock the ultimate power to be the hands and feet of Jesus in your community.

Multi-Bank Infrastructure

A financial flowchart tracking income distribution. Immediate Income enters Capital One Checking (100%) and splits three ways: 10% to a purple Tithe box, 40% to an orange Spend & Spontaneous Giving box, and 50% transferred to an Ally Bank Savings box. Inside Ally, funds divide into three sub-buckets: a blue "Capital One" Bucket for active income, a purple "Gift & Milestone" Bucket for birthday and grandparent gifts, and a green Starter Emergency Fund shield holding a $1,000 Cash Buffer.

The system utilizes a dual-institution framework using Capital One and Ally Bank to separate disposable funds from wealth-building capital. All immediate earnings from refereeing or freelance jobs first hit a Capital One checking account, which functions as the primary intake hub. From here, the 10% tithe is distributed and the 40% spending money stays accessible on a debit card. The remaining 50% is manually transferred over to an Ally Bank Savings Account. Once the funds land in Ally, their "Buckets" feature takes over to visually segregate active income savings, milestone cash gifts, and a baseline $1,000 beginner emergency fund to safely capture compound interest.

The College Trap

The traditional higher education system has evolved into a debt-fueled trap driven by inflated tuition and administrative bloat, heavily accelerated by the privatization of student loans and predatory lending practices. Students should treat higher education as a cold financial transaction, prioritizing a debt-free approach through strategies like community college, scholarships, and part-time work to avoid long-term financial instability.

Read Our Articles on Medium

Beyond the Snowball: My Post-Debt 10/50/40 Financial Strategy as a Teen Leader

Explore the 10/50/40 Rule, the Multi-Bank Infrastructure, and more in this article.

Books We Recommend

Baby Steps Millionaires - Dave Ramsey

Love Your Life Not Theirs - Rachel Cruze

Atomic Habits - James Clear

About TeenCapital

TeenCapital was founded by Logan Mascarenhas with a clear mission: to change the way our generation views and handles money.

Most financial advice out there for teens is either incredibly boring or completely outdated. We are told to wait until we are older to start building a legacy, or we are encouraged to spend everything we make on things that don't actually matter.

Logan created TeenCapital to break that cycle. Built on the rock-solid foundation of biblical stewardship, this platform is designed to prove that we don't own our resources; we manage them. By rejecting the trap of consumer debt and mastering a simple, automated allocation system like the 10/50/40 Rule, teens can build real wealth early while driving radical generosity in their churches and communities. Logan practices what he preaches, having already built a personal net worth of over $2,000 at 16, using these exact wealth-building steps.

This isn’t about just stacking cash for status. It's about learning to run your money with purpose so you can become a faithful steward and make a massive impact for God's kingdom.

Questions? Contact Us

We're here for you.

Whether you have a quick question about managing your money or need help navigating your personal financial goals, TeenCapital is ready to back you up. Drop us a message and let's get you sorted or email us at teencapitalfinance@gmail.com

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