<![CDATA[Teenagers are vulnerable to risky financial behaviors such as online gambling and digital loans due to low financial literacy and high digital access. To address this issue, a community service program was carried out at SMA Negeri 5 Kupang aiming to improve students’ understanding and basic skills in personal financial management. The methods included interactive lectures, financial recording simulations, group discussions, and evaluation through pre-tests and post-tests. A total of 50 students from grades X and XI participated, guided by accounting students and teachers. Results showed that 86% understood basic financial concepts, 76% were able to create simple budgets, 64% became familiar with youth-friendly financial products, and 42% were motivated to set long-term financial goals. Participants also showed strong enthusiasm and began tracking daily expenses. The school’s support further strengthens the sustainability of the program. These findings confirm that a contextual and practical educational approach effectively fosters wiser and more responsible financial behavior among adolescents.]]>
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