Fredericksburg author Alan Ayers has released a personal finance book aimed at helping teenagers develop stronger money habits and make more intentional financial decisions early in life.

Freedom Starts Young: A Teen's Guide to Money, Discipline, and Choices introduces basic financial concepts while connecting financial knowledge with the discipline and judgment needed to make everyday decisions.

The book addresses what Ayers describes as a challenge facing many families: Young people are often expected to make important financial decisions before they have learned how money works.