SmileTutor Blog Students Advice For Students The Value of Money For Teenagers: What Would You Do With $100?

The Value of Money For Teenagers: What Would You Do With $100?

What would you do with $100?

That’s a simple question. Yet, when you think about how and where you’re putting in the dollars, the meaning changes. 

This money doesn’t come from thin air. Whether it’s the hard-earned cash from a part-time job, or a generous gift from a relative over the new year, we’re made aware of how valuable this money is as we grow older.

Not too much, not too little. Yet surprisingly, this $100 can reveal a lot about our individual perspectives on money and our financial priorities. That said, let’s see where your money values lie. What can you, and will actually do with the $100?

Spending on Immediate Gratification

Looking to splurge on your hobbies? Or maybe you’re down for a shopping spree to get a new fit? The allure of spending that $!00 immediately is perhaps the most realistic thing that people would do, if it were to be given for free.

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Now, let’s not take away the fact that YOU need a well-deserved break every now and then. A moment of enjoyment isn’t a bad choice either, especially if you’re bogged down by your studies!

Donating Money

[Tzu Chi Singapore]

How much canned food can you buy with $100? 

What cause or charity can I contribute to?

That’s the first thing that comes to your mind. Hey, this says a lot about your character! 

You show empathy and compassion, beyond your personal needs and wants to support something you truly believe in. That, in a spiritual sense, can be immensely fulfilling! 

Whether it’s donating to a local charity, supporting a crowdfunding campaign, or sponsoring a community initiative, the impact of our contribution extends far beyond the monetary value!

Saving Money


I’ll put it in the bank. Yeah, you’re a more conservative or cautious type. Or perhaps you simply have nothing else to spend the money on. 

Regardless, saving has always been a virtue. While immediate indulgence can be tempting, saving a portion of the $100 for the future demonstrates foresight and financial prudence. Setting aside money for a rainy day fund, a future purchase, or a long-term goal instils the discipline of saving and planning for the future. 

This shows that we are more financially responsible, and we can delay gratification in order to prioritise long-term financial security.

Investing in Personal Growth

[The Straits Times]

Some might consider investing in a hobby or passion, but you choose to invest in YOURSELF. Yes, you as a person are the tool to making money, so you can go no wrong with keeping yourself up to date so that you have the skills and knowledge needed to land yourself a relevant job!

This could entail purchasing educational materials, attending a workshop or seminar, or enrolling in an online course with SkillsFuture.

Investing in knowledge not only expands our skills but also lays the foundation for future success. You are far-sighted enough to see what this self-investment means, and that shows a great deal of maturity at your age!

Investing in Bigger Gains


Considering allocating a portion of the $100 towards actual monetary yields? That’s foresight and shows a little bit of your interest in investing. But investing isn’t easy as those YouTube ads make it out to be!

If you’re serious about the art of investing, start small, and learn with a foundation. Involve yourself with books relating to personal finance, entrepreneurship, or simply the basics of stock investing! Investing can be seen to be what shapes your future career, but it can also be a skill on the side just enough to be informed about your own financial decisions!

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Whatever you choose to do with the knowledge of investment, it’s yet another skill that you can learn!

Paying Off What You Borrowed


If you find yourself in a position where you owe money to family or friends, using a portion of the $100 to repay those debts demonstrates integrity and responsibility.

You’re accountable, trusted with money, and that’s an invaluable trait to have. It shows that you’re returning the goodwill of others in good faith.

It is also our wish that students learn to prioritise debt repayment, regardless of amount, over personal expenses, as it is the most conscientious approach to managing personal finances.

Conclusion: The Importance of Financial Literacy


Regardless of what you choose to do with the money, what we want to see is the process and reasoning behind that decision. When you spend that money, you spend it decisively. 

This is a thought experiment that hopefully teaches you more about yourself. And more importantly, you’ll learn to make informed financial decisions from this.

After all, $100 is still a considerable sum, enough to make an impression. What you choose to do with that $100 reflects your priorities, character and maturity.

Rum Tan

Rum Tan is the founder of SmileTutor and he believes that every child deserves a smile. Motivated by this belief and passion, he works hard day & night with his team to maintain the most trustworthy source of home tutors in Singapore. In his free time, he writes articles hoping to educate, enlighten, and empower parents, students, and tutors. You may try out his free home tutoring services via or by calling 6266 4475 directly today.