Investing for a 14-Year-Old

At age 14, first formal W-2 employment may begin in certain states. Any documented earned income makes a custodial Roth IRA available; the annual contribution is limited to the lesser of earned income or $7,000 (2026 limit). A 529 education account at 14 has a 4-year horizon to typical college entry, and age-based portfolios are generally shifting toward a conservative allocation at this stage. The teens cluster guide covers the full priority stack and account map for ages 13-17.

Full guide: Investing in the Teen Years | Teens cluster: accounts, priorities and decisions for ages 13-17