Check With a Trusted Adult
Checking with a trusted adult before responding to any money-related offer turns an exciting or urgent message into a calm decision — and is the single habit that defeats most scams aimed at young people.
In this lesson
Check With a Trusted Adult is part of Year-Round Tax Planning. This preview shows how tax-planning connects to everyday family decisions such as earning, saving, spending choices, goals, approvals, or parent-guided money conversations inside Progress Penguin.
Think about this money choice
Chukwu sees an offer online that looks too good to be true.
How it works
When any offer, message, or request involving money feels exciting, urgent, or too good to be true, the first action is not to respond — it is to check with a trusted adult before doing anything. A trusted adult can assess the offer calmly, verify its legitimacy, and help you decide what to do without the pressure of urgency.
Try a real-life example
Real-life money moment: Chukwu sees an online offer: buy shares in a new company and double your money in 30 days. He is about to click 'invest' when he decides to show his dad first. His dad immediately identifies it as a common investment scam. Thirty seconds of checking saves Chukwu his savings.
Activity preview
Choose the best money move
Use what you just learned. Choose the option you can explain.
Try one real money action
Open Tasks and submit proof for one task, or open Requests and make a deposit request. Parent approval can happen later.
Quiz preview
Checking With a Trusted Adult when something feels wrong means:
You receive a financial message that confuses you. Before responding, you should: