“Semberee ne m za ken shôôpu mer me za nenge akaa a i lu teen ker la aluer m zua a kwagh u a doom yô. Maa m za hingir u yamen kwagh u taver ishe u m washima u yamen un shighe u m za nyôr ker la ga yô!”—Mkaanem ma gumor Colin, ngu anyom 22.

 Colin ôr sha mimi nahan ér un ngu a zayol sha kwagh u panden inyaregh ki vihin la. We kpa u ngu a imba zayol nee? Aluer ka nahan yô, ngeren ne una wase u.

•  Gba u u pande inyaregh ki vihin sha ci nyi?

•  Er u er kwagh ne yô

•  Kwagh u mbakwav wou ve ôron yô

 Tsugh: Aluer kwagh gba u sha gbenda u u vihin inyaregh la yô, u kera lu sha ian you gbangesaa ga.

 Mimi: Aluer u pande inyaregh ki vihin yô, u hemba lun a ian gbangesaa. Takerada u i yer ér, I’m Broke! The Money Handbook la kaa ér, “Ka wea hen wea fa kwagh u inyar tsembelee yô, u lu a inyaregh kpishi ki yamen akaa a u soo la, hegen man ken hemen.”

 Time: Aluer u pande inyaregh ki vihin yô . . .

•   U lu a inyaregh kpishi shighe u kwagh a gbe u a mi yô. Gumkwase u yer un ér Inez, u a lu anyom 19 la kaa ér, “M soo mer ken hemen yô, ma m ze zende ken Imbusutariyan i Amerika. Nahan ka mea veren inyaregh her yô, m lu a kwagh ne kpa ken ishima.”

•   U lu a anzô iyol kpishi ga shin u lu a injô iyol ga kuaa je kpaa. Bibilo kaa ér: “Or u yan injô yô, ka kpan u or u nan injô la.” (Anzaakaa 22:7) Gumkwase u i yer un ér, Anna u a lu anyom 25 la kpa lumun a kwagh ne. Akaa ér “injô ia fatyô u yangen we akaa kpishi ken uma. Aluer u ngu a injô iyol ga yô, u hemba veren ishima sha akaa a u we ishima u eren la.”

•   U tese wer u via. Ior mba ve vihin inyaregh dang dang ga yô, ka ve tese ér vea va ar sha ian i organden la kpa vea vihin inyaregh dang dang ga. Jean, u a lu anyom 20 la kaa ér: “Doo u tsaase iyol yam sha imba gbenda ne sha ci u mlu u ken hemen, shighe u me va lu sha tseeneke wam la. Ka m nôngo u vihin inyaregh sha inja hegen, sha er me va fatyô u eren nahan ken hemen yô.”

 Jindikwagh: Takerada u i yer ér The Complete Guide to Personal Finance: For Teenagers and College Students la kaa ér: “Aluer u ngu vihin inyaregh sha inja yô, kwagh ne ka gbenda u hiihii u hemban doon cii u tesen wer u soo u hingir sha tseeneke wou yô. Kwagh u vihin inyaregh sha inja la, ka mfe u una fatyô u wasen we tsung ken ayange a uma wou cii yô.”

 Fa mbamyen ou. Aluer inyaregh ki been we sha ave hanma shighe yô, kwagh u hiihii u u er yô, ker fa ape inyaregh you ki lu yemen la. Ior mbagenev yô, ka akaa a yamen sha Intanet ka a na ve ve kera lu a inyaregh ga ye. Hen mbagenev di yô, ka asange a inyar a ve vihin kpuaa kpuaa la, ka na ve ve kera lu a inyaregh ga ye!

 “Inyaregh ki vihin kpuaa kpuaa hanma iyange la ka ki va hingir zege inyar. Ka m na or ne aniyua kpuaa, m na ngura kpa kpuaa shi m tile m ma kofi gayô m za yam kwagh ken shôôpu, uwer a been yô, m gba henen ape dola deri a yem yô.”—Mkaanem ma gumkwase Hailey, ngu anyom 23.

 Ver inyaregh ki u vihi yô. Bibilo kaa ér: “Mbamhen mba ortseenshima, ka sha u kwagh ma a ngee yô.” (Anzaakaa 21:5) Aluer u ver inyaregh ki u vihi yô, nenge wer inyaregh ki u ver sha u vihin la hemba ki u zough a mi la ga.

 “Aluer u ngu vihin inyaregh ka hemban kwagh u u zough a mi la yô, tôv fa akaa a u vihin inyaregh sha mi la shi de u yamen akaa a kwagh a gbe u a mi ga la. Pande akaa a u vihin inyaregh sha mi la zan zan inyaregh ki u zough a mi la ki kar hemban ki u vihin la.”—Mkaanem ma gumkwase Danielle, ngu anyom 20.

 Dondo kwagh u u tsough u eren la. Igbenda ngi kpishi i ia wase u u fan akaa a u vihin inyaregh sha mi la yô. Aluer u er nahan yô, kwagh ne una wase u u palegh u vihin inyaregh dang dang. Agumaior agen nenge ér igbenda i i dondo ne ka i wase kpishi:

•  “Hanma shighe u m zough a inyaregh yagh yô, ka m yem fese m za wa ken banke sha ci u m fa je mer aluer ki ker yô, iyol a kpem u za dughun ki vihin.”—Mkaanem ma gumor David, ngu anyom 17.

•  “Ka mea zaan u za yamen kwagh ken shôôpu yô, m za a inyaregh a kuma akuma. Kwagh ne ka a na yô, m vihi inyaregh i hemba ki m we ishima u vihin la ga.”—Mkaanem ma gumkwase Ellen, ngu anyom 14.

•  “Ka m kegh zan zan cii ve m va mase yamen ma kwagh ye, nahan shighe u m lu keghen la ka m tôv m fa aluer kwagh gbam a mi shin a gbam a mi ga yô.”—Mkaanem ma gumor Jesiah, ngu anyom 17.

•  “Gba kegh u me za hanma iniongo ga! Ashighe agen yô, ka mea lu a inyaregh ga yô, m kaa mer EI, nahan i hemba doon.

 Jindikwagh: U eren kwagh a inyaregh sha inja ka tom u vesen. Ka kwagh u Colin, u se vande ôron kwagh na sha mhii u ngeren ne la, a va hii u kaven je ne. A kaa ér: “Aluer ka u me va lu orya iyange igen yô, a gba u me vihin inyaregh dang dang ga! Er m lu tswen ne, aluer m ngu eren kwagh a inyaregh sha inja hegen ga yô, kwagh ne una tese ér me va er kwase yô, mo vea kwase wam se lu a zayol ken ivese.”