Programs help students learn to budget, save By Andy Goldblatt, 15, Andrea Zeek, 16Last year, American teens spent $170 billion, according to ABC News. With about 33 million teens in the country, that works out to $5,150 apiece. Kids get money as gifts. They often hold part-time jobs, even if it is only baby-sitting, and some draw allowances. Many have a lot of disposable income, but what do they learn about managing their money and saving? Several programs offer money managemen