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29d • General discussion
Wells Fargo Clear Access Checking Commercial…
Nice Idea. Where’s the Training?
I saw the Wells Fargo Clear Access Checking commercial where they talk about how it’s a great account to teach your kids about finances…
And I’ll give them this:
It can be a solid starter account.
But here’s what they don’t say out loud:
It doesn’t actually TEACH your teen anything.
It doesn’t come with a “money habits starter kit.”
It doesn’t come with coaching.
It doesn’t walk your kid through budgeting, saving, or building discipline.
What it DOES come with is:
Overdraft protection (aka: the card gets declined if the money isn’t there)
And honestly… that’s not financial education.
That’s just a guardrail.
A guardrail is great…
…but it won’t teach your kid how to drive.
This Happens Everywhere (Great Idea, No Follow-Through)
Companies love selling you the idea of success:
✅ “This will teach your kid money!”
✅ “This will help you get out of debt!”
✅ “This program will change your life!”
But then you get inside and it’s like…
“…good luck out there, champ.” 🥴
That reminds me of my 20’s…
I had racked up $10,000 in credit card debt.
I finally got a debt consolidation loan…
…and the ONLY advice I got was:
👉 “Don’t do that again.”
That’s it.
No plan.
No system.
No habits.
No “here’s how to avoid this forever.”
Just vibes. 😐
Credit Avenger Truth Bomb
Protection isn’t the same as training.
Overdraft protection keeps you from falling off the cliff…
But it doesn’t teach you how to build a road.
Teaching financial habits takes:
✅ repetition
✅ a simple system
✅ weekly check-ins
✅ saving goals
✅ spending boundaries
✅ a plan for mistakes
Not shame. Not lectures. Not “don’t do it again.”
If You’re Teaching Your Teen Money… Here’s the REAL Playbook
Try this simple 3-bucket system:
Spend (fun + life)
Save (goals)
Give (helping others)
And do 5 minutes per week reviewing their transactions like a coach, not a cop:
“Was that a want or a need?”
That alone builds more money discipline than any commercial ever will.
If you had ONE lesson you wish someone taught you about money earlier, what would it be?
Mine:
“Just because you can pay the minimum… doesn’t mean you can afford it.”
Drop yours below ⬇️🧠🔥
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Wells Fargo Clear Access Checking Commercial…
skool.com/credit-avenger
For overwhelmed people in debt who want peace of mind, a clear path forward, and up to $6,000 less debt in 3 months.
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