Little Scoop Co. · Grades 7–12
Who Ate My
Paycheck?
Paycheck?
What Every Teen Must Know About Taxes,
Money, and Building Real Wealth
Money, and Building Real Wealth
The Teen Edition
A Little Scoop Co. Book · littlescoop.co
Introduction
You Grew Up. So Did the Stakes.
Remember Ellie and Donnie's town of Sweetville, where taxes were explained with ice cream scoops? That was a great starting point. But now you're older — and taxes are about to get very real, very fast.
The moment you get your first job, the government starts taking a cut of every single paycheck. No warning, no vote, no option to skip it. It just happens. And most teens have no idea what those deductions are, where the money goes, or how to legally keep more of it.
This book picks up where the kids' book left off. By the end, you'll know:
✅ How to read your first paycheck — and why it's smaller than you expected
✅ What every line on a W-2 means — and how to read a Form 1040
✅ How to file your first tax return step by step
✅ How tax brackets actually work (it's not what most people think)
✅ Legal deductions and credits that reduce what you owe — starting now
✅ Side hustles, 1099s & self-employment tax — what to know before you freelance
✅ The Secret Scoop — wealth-building strategies the wealthy actually use
✅ Traditional vs. Roth 401k — a difference worth ~$252,000
✅ Why Ellie and Donnie still can't agree — even after all these years
🍦 A Note Before You Start
Most adults were never taught this. Your accountant knows it. Your wealthy neighbor knows it. Now you will too — before your first paycheck even hits your bank account. That's precisely why we created this book.
"Tax what you spend, not what you earn."
"Those who earn more should contribute more."
Chapter 1
Your First Paycheck — The Shock
You worked 40 hours at $15/hour. Simple math: $600. But your paycheck says $498.42. What happened to $101.58?
Welcome to the real world. Here's the breakdown of a typical paycheck for a teen earning $600:
Sweetville Scoop Shop
Pay Period: 2 weeks
Employee
Your Name
Gross Pay (40 hrs × $15)$600.00
Federal Income Tax (withheld)− $36.00
Social Security (6.2%)− $37.20
Medicare (1.45%)− $8.70
State Income Tax (CA ~5%)− $19.68
NET PAY (take-home)$498.42
"That 17% that disappeared? It went to things that matter."
💡 The Key Insight
Your employer also pays 6.2% Social Security + 1.45% Medicare on top of your wages — money you never even see. So the true cost of hiring you at $15/hr is closer to $16.02/hr. Taxes affect employers too.
🍦 What's the Scoop?
On this paycheck, $101.58 went to taxes — that's about 6.7 hours of work at $15/hr.
Before you spend your next paycheck, figure out your own "tax hours":
divide your total taxes by your hourly wage. How many hours did you work
just to pay taxes this pay period? Does knowing that change how you think about what you earn?
Chapter 2
The W-2: Your Annual Report Card
Every January, your employer sends you a W-2 form — a summary of everything you earned and everything that was withheld in taxes for the year. You need this to file your 2026 tax return. Here's what it means:
📄 Form W-2 — Sample
Box 1 — Wages
$7,800.00
Box 2 — Fed Tax Withheld
$624.00
Box 3 — SS Wages
$7,800.00
Box 4 — SS Tax Withheld
$483.60
Box 5 — Medicare Wages
$7,800.00
Box 6 — Medicare Tax
$113.10
Box 15–17 — State Info
CA / $390
Employer EIN
12-3456789
📦
Box 1 — Your Taxable Wages What the IRS considers your income. May be less than your gross pay if you contributed to a 401(k) or HSA.
🏛️
Box 2 — Federal Withheld What your employer already sent to the IRS on your behalf. You may get some back.
👴
Boxes 3–6 — FICA Taxes Social Security and Medicare. These are NOT refundable — you never get these back at filing.
📋
Boxes 15–17 — State Same info but for your state. California gets its own slice.
📬 Important: Guard Your W-2
Your W-2 contains your Social Security Number and full income history. Identity thieves use stolen W-2s to file fraudulent tax returns and steal your refund. Keep it secure and shred old copies.
Chapter 3
The Form 1040: Your Tax Return
The Form 1040 is the main document you file with the IRS every year. It sounds intimidating — but it's really just a one-page summary that answers three questions: What did you earn? What can you subtract? What do you owe?
1️⃣
Line 1 — Total Income Your gross wages from all W-2s and 1099s added together. This is your starting number.
2️⃣
Lines 10–11 — Adjustments Subtract things like student loan interest or self-employment tax deductions. This gives you your Adjusted Gross Income (AGI).
3️⃣
Line 12 — Standard Deduction Subtract $16,100 (single, 2026). This gives you your taxable income — the number the IRS actually taxes.
4️⃣
Line 17 — Tax Owed The IRS calculates this from your taxable income using the tax bracket table. This is your total tax liability.
5️⃣
Line 25 — Tax Already Paid The withholding your employer sent to the IRS all year. Subtract this from line 17.
6️⃣
Line 34 or 37 — Refund or Amount Due If you overpaid → you get a refund. If you underpaid → you owe the difference. File by April 15!
🍦 What's the Scoop?
A refund isn't free money — it means the IRS held your money interest-free all year. The goal is to break even: owe nothing, get nothing back.
Chapter 4
Filing Your First Tax Return
If you earned more than $16,100 in 2026 (the 2026 standard deduction, up from $15,750 in 2025), you're required to file. But even if you earned less, you should still file — because you might get money back.
Step 1 · Gather
Collect your W-2(s), any 1099 forms (freelance income), and your Social Security number. You need one document per employer.
Step 2 · Choose How
IRS Free File — free if income under $84k (2026)FreeTaxUSA — free federal, cheap state
TurboTax / H&R Block — easy but costs money
Pen + paper — Form 1040, always free
Step 3 · File by April 15
The deadline is April 15 every year. Miss it and you pay a penalty of 5% per month on any taxes owed. Filing for an extension gives you until October — but you still pay by April 15.
💰 Refund vs. Owing
A refund means the government withheld too much from your paychecks — you overpaid and they're returning it. It's not a bonus; it's your own money back. Owing means you underpaid. Ideally, aim to break even — that means you kept your money all year instead of giving the IRS an interest-free loan.
⚠️ Teen-Specific Rules
If your parents claim you as a dependent, your standard deduction is different — it equals your earned income + $450, up to the normal limit. You cannot claim yourself if a parent claims you. This affects how much you owe (usually less).
Chapter 5
Tax Brackets: The Staircase, Explained
The biggest misconception teens have: "If I earn more, I keep less." That's wrong. Brackets are marginal — you only pay the higher rate on the dollars above each threshold, not on everything you earned.
| Tax Rate | Income Range (Single, 2026) | Tax on This Slice |
|---|---|---|
| 10% | $0 – $12,400 | Up to $1,240 |
| 12% | $12,400 – $50,400 | Up to $4,560 |
| 22% | $50,400 – $105,700 | Up to $12,166 |
| 24% | $105,700 – $201,775 | Up to $23,058 |
| 32% | $201,775 – $256,225 | Up to $17,424 |
| 35% | $256,225 – $640,600 | Up to $134,531 |
| 37% | Over $640,600 | Everything above |
🔢 Real Example: $55,000 Salary (2026)
You pay 10% on the first $12,400 = $1,240 · Plus 12% on $12,400–$50,400 = $4,560 · Plus 22% on $50,400–$55,000 = $1,012Total federal tax: $6,812 — an effective rate of just 12.4%, not 22%. That's a big difference.
🧠 Standard Deduction (2026) — OBBB Update
Before brackets apply, you subtract the standard deduction: $16,100 (single) — raised from $14,600 in 2025 by the One Big Beautiful Bill Act. A teen earning $20,000 only pays taxes on $3,900 — 10% bracket, owing just $390 federal.
Chapter 6
Legal Ways to Pay Less Tax 🧠
The tax code isn't just a bill — it's a rulebook with built-in rewards for smart behavior. These aren't loopholes. They're intentional incentives written into law by Congress.
📉 Deductions
📦
Standard Deduction ($16,100) — automatically reduces your taxable income. No receipts needed.
🎓
Student Loan Interest — deduct up to $2,500/year in interest paid on student loans.
🏠
Home Office (if self-employed) — deduct a portion of rent, utilities, and internet for business use.
💼
Business Expenses — freelancers deduct equipment, mileage, software, even part of your phone.
🙏
Charitable Giving — cash, goods, and mileage donated to qualified nonprofits are deductible if you itemize. Yes, this includes your church.
💚 Credits (Better Than Deductions)
📚
American Opportunity Credit — up to $2,500/year for college tuition (first 4 years). Dollar-for-dollar off your tax bill.
💰
Earned Income Credit — for lower earners. Can actually result in a refund larger than taxes paid.
🌱
Saver's Credit — contribute to a retirement account and get a tax credit of up to $1,000. Money for saving money.
⚡
EV / Solar Credits — buy an electric vehicle or add solar panels, get up to $7,500 back.
👶
Child Tax Credit — $2,000 per qualifying child under 17. One of the largest credits families can claim.
⚡ Credit vs. Deduction — The Math
A $1,000 deduction at 22% = $220 saved. A $1,000 credit = $1,000 saved. Credits win — always target those first.
Chapter 7
Side Hustles, 1099s & Self-Employment Tax
Many teens earn income outside a regular job — mowing lawns, babysitting, selling on Etsy, freelance design, YouTube ad revenue. This is self-employment income, and the rules are completely different.
⚠️ The Self-Employment Tax Trap
When you're self-employed, you pay both halves of Social Security and Medicare — 15.3% on top of income tax. W-2 employees split this with their employer (6.2%+6.2%). Self-employed? You pay all of it. On $5,000 in side hustle income: that's $765 in SE tax alone before income tax.
✅ The Silver Lining
As a self-employed person, you can deduct half of that SE tax from your income. And all legitimate business expenses reduce your taxable profit: equipment, supplies, website hosting, a portion of your phone bill, mileage to jobs. Track everything.
📋
1099-NEC — You get this instead of a W-2. Any client who paid you $600+ is required to send one. But you owe tax on ALL self-employment income, even if no 1099 was issued.
📅
Quarterly Estimated Taxes — Self-employed people pay taxes 4× per year (April, June, Sept, Jan). Miss these and you owe a penalty at filing time.
💼
Schedule C — The IRS form where you report business income and expenses. Profit is what gets taxed, not gross revenue.
💡 Pro Move: Open a Separate Business Checking Account
Keep every dollar of self-employment income and expenses in a dedicated account. Makes tax filing dramatically easier and proves to the IRS that your business is real — not a hobby.
Chapter 8
4 Tax Scenarios You'll Actually Face
🍔
Scenario 1: Part-Time Job ($8,000/year) — After standard deduction, taxable income = $0. You owe no federal income tax. But you still pay SS ($496) + Medicare ($116) = $612 in FICA. File anyway to get your withholding refunded.
💻
Scenario 2: Freelance Side Hustle ($4,000) — Self-employment tax: $565 (15.3% × 92.35%). You deduct half ($282). After deduction, taxable income likely $0 if this is your only income. But you must file Schedule C and a 1040.
📈
Scenario 3: Selling Stocks ($2,000 gain) — Held under 1 year = short-term capital gain, taxed as ordinary income. Held over 1 year = long-term capital gain, taxed at 0% if your income is under $48,350. Patience literally pays.
🎁
Scenario 4: Gift Income from Parents — Gifts are NOT income. Parents can give up to $19,000/year (2026) per person tax-free. You don't report it. They don't deduct it. It simply isn't taxed. College funds, car money, down payments — all fine.
🏠
Scenario 5: Selling Your Home Someday — Live there 2+ of last 5 years = $250,000 of gain is tax-free ($500,000 if married). One of the biggest tax breaks in the code — and a reason homeownership builds generational wealth.
🍦 What's the Scoop?
Which of these 5 scenarios will you face first? Most teens start with Scenario 1 — but if you mow lawns, babysit, or sell anything online, Scenario 2 hits you too. Before your first paycheck arrives, ask your employer if they're withholding taxes. If they're not, you may owe a surprise bill in April.
Chapter 9
The Secret Scoop: Build Wealth, Pay Less Tax
The wealthy don't just earn more — they structure their finances to minimize taxes legally. These are the same strategies available to you, starting today:
1️⃣
Max Your Roth IRA First ($7,500 in 2026) — Tax-free growth forever. Contribution limit: $7,000/year. If you only do one thing, do this. Start the day you have a job.
2️⃣
Get the 401(k) Match — If your employer matches contributions, take every dollar. A 100% match is an instant 100% return — better than any investment on earth.
3️⃣
Hold Investments Long-Term — Stocks held 1+ year are taxed at 0–20% (capital gains rates) vs. up to 37% for short-term. Time in the market beats timing the market — and saves on taxes.
4️⃣
HSA — The Triple Tax Benefit — A Health Savings Account ($4,300 limit in 2026 for individual coverage) gives you a deduction going in, tax-free growth, and tax-free withdrawals for medical expenses. No other account does all three.
5️⃣
Give to Charity Strategically — Donate appreciated stock (not cash). You avoid capital gains AND get a deduction for full market value. The charity gets the same amount. You save twice.
🏆 The Real Wealth Gap
The difference between middle-class and wealthy isn't just income — it's tax efficiency. Two people earning $80,000 can end up with wildly different net worths at 65 based entirely on how they structured their savings and investments.
Chapter 9 · Continued
The Double Scoop 🍦🍦
Same salary. Same job. Completely different financial futures. Here's what 30 years looks like for two people earning $80,000/year:
😬 The Spender
💼 Gross pay: $80,000/yr
🏛️ Taxes paid: ~$22,000/yr (fed + state + FICA)
💵 Take-home pay: ~$58,000/yr
🏦 Saved: $0
💸 Available to spend: ~$58,000/yr
After 30 years:
Net worth from investments: $0
Cumulative taxes paid: ~$660,000
Net worth from investments: $0
Cumulative taxes paid: ~$660,000
😎 The Smart Saver
💼 Gross pay: $80,000/yr
🏛️ Taxes paid: ~$15,400/yr (reduced by 401k)
💵 Take-home pay: ~$55,000/yr
🏦 Saved via 401k: $9,600/yr + $2,400 free match
💸 Available to spend: ~$55,000/yr
After 30 years:
Investment portfolio: ~$1,147,000
Cumulative taxes paid: ~$461,000
⚠️ Portfolio taxed on withdrawal (traditional 401k)
Investment portfolio: ~$1,147,000
Cumulative taxes paid: ~$461,000
⚠️ Portfolio taxed on withdrawal (traditional 401k)
🍦 What's the Scoop?
Same salary, same job — but the Smart Saver ends up with ~$1,147,000 more. And with a Roth 401k, it's all tax-free. Turn the page to see the difference.
🍒 The Cherry on Top
The Spender's "extra" money? Just $8/day — the price of a latte — that costs them $1,147,000 over 30 years.
Chapter 9 · The Triple Scoop 🍦🍦🍦
Traditional vs. Roth 401k
Both savers invest the same amount. But when they pay taxes changes everything. Both earn $80,000/yr, contribute 12% ($9,600) with a 3% employer match (+$2,400).
🏦 Traditional 401k
Pay taxes later
💼 Contribution: pre-tax $9,600/yr
📉 Taxable income reduced by $9,600
🏛️ Annual taxes paid: ~$15,400/yr
💵 Annual take-home: ~$55,000/yr
🎁 Employer match: +$2,400/yr free
📈 Total invested: $12,000/yr @ 7%
After 30 years:
Portfolio: ~$1,147,000
Taxes paid while working: ~$461,000
Tax owed on withdrawal (~22%): −$252,000
Cumulative taxes: ~$713,000
Net after-tax value: ~$895,000
Portfolio: ~$1,147,000
Taxes paid while working: ~$461,000
Tax owed on withdrawal (~22%): −$252,000
Cumulative taxes: ~$713,000
Net after-tax value: ~$895,000
🌱 Roth 401k
Pay taxes now, never again
💼 Contribution: after-tax $9,600/yr
📉 Taxable income reduced: $0
🏛️ Annual taxes paid: ~$18,000/yr
💵 Annual take-home: ~$52,400/yr
🎁 Employer match: +$2,400/yr free
📈 Total invested: $12,000/yr @ 7%
After 30 years:
Portfolio: ~$1,147,000
Taxes paid while working: ~$539,000
Tax owed on withdrawal: $0 — tax-free
Cumulative taxes: ~$539,000
Net after-tax value: ~$1,147,000
Portfolio: ~$1,147,000
Taxes paid while working: ~$539,000
Tax owed on withdrawal: $0 — tax-free
Cumulative taxes: ~$539,000
Net after-tax value: ~$1,147,000
🍦 What's the Scoop?
Same salary. Same contribution. Same employer match. Same 30 years.
But the Roth saver walks away with ~$252,000 more — simply by paying taxes now at a lower rate
rather than later when their withdrawals could push them into a higher bracket.
For most teens just starting out, the Roth almost always wins.
Chapter 9 · The Single Scoop 🍦
Even $3,000/year Changes Everything
The Double and Triple Scoop assumed an $80K salary. But what if you're just starting out — mowing lawns, babysitting, or working part-time? Even saving $3,000/year in a Roth IRA — about $57/week — produces life-changing results if you start young:
🌱 Roth IRA
Contribute after-tax dollars. Grows tax-free. Withdrawals in retirement completely tax-free. Limit: $7,500/yr (2026). Can withdraw contributions anytime — no penalty. Best for most teens.
🏢 Traditional IRA / 401(k)
Contribute pre-tax dollars — reduces income tax now. Grows tax-deferred. Withdrawals taxed as ordinary income. Better if you expect a lower tax bracket in retirement.
Invest $3,000/year at 7% avg return — starting at different ages:
| Start Age | Years Investing | Total Contributed | Value at Age 65 |
|---|---|---|---|
| 16 | 49 years | $147,000 | $1,164,000 |
| 26 | 39 years | $117,000 | $599,000 |
| 36 | 29 years | $87,000 | $301,000 |
🕰️ Compound Interest Is a Tax Strategy
Starting at 16 vs. 26 produces nearly twice the wealth from just 10 extra years. In a Roth IRA, none of that $1.1M is taxed when you take it out. That's the real trick.
Chapter 10
Ellie vs. Donnie: The Grown-Up Debate
Now that you understand how taxes actually work, here's the deeper political philosophy behind each side — the why behind the arguments you'll hear your whole life.
Ellie's Philosophy (Conservative)Preferred taxes: Flat or consumption-based. Simple, universal, predictable.
Famous advocates: Milton Friedman, Reagan, Hayek
Donnie's Philosophy (Progressive)Preferred taxes: Progressive income + wealth taxes. Those who benefit most, contribute most.
Famous advocates: Keynes, FDR, Piketty
🤔 Where They Actually Agree
Both sides agree that some level of public investment is necessary — roads, schools, defense, and emergency services. Neither Ellie nor Donnie wants those things to disappear. The debate has never been whether to fund them. It's always been about how much, and who pays.
🍦 What's the Scoop?
You've learned how taxes work from the inside out. Now the debate between Ellie and Donnie isn't about facts — it's about values. There's no single right answer. But now you're equipped to form your own opinion.
Quiz Time! 🎯
Test Your Tax IQ
👇 Click an answer — you can try again if you get it wrong!
1. You earned $20,000. What is your approximate federal income tax owed?
2. What's the difference between a tax deduction and a tax credit?
3. You start a Roth IRA at 16 instead of 26, investing $3,000/yr at 7%. By 65, how much more will you have?
4. You get a $5,000 bonus. Is it taxed differently than your regular pay?
5. What does 'withholding' mean on your pay stub?
Quiz Time! 🎯 · Continued
Test Your Tax IQ
6. Your employer offers a 401(k) with a 3% match. You earn $50,000 but don't contribute. What did you give up?
7. You freelance and earn $6,000. What extra tax do you owe that a regular employee doesn't pay alone?
8. Roth IRA vs Traditional IRA — what's the key difference?
9. You're 17 and earn $4,000 this summer. Can you contribute to a Roth IRA?
10. What is the standard deduction and why does it matter?
📖 Glossary
Terms Every Teen Should Know
W-2
Annual wage statement from your employer showing income earned and taxes withheld. Required to file your return.
1099-NEC
Form for non-employee (freelance/gig) income. You receive this instead of a W-2 when you're self-employed.
Standard Deduction
A flat amount ($16,100 in 2026) subtracted from income before tax is calculated. Most people use this over itemizing.
FICA
Federal Insurance Contributions Act — the 7.65% payroll tax (6.2% SS + 1.45% Medicare) taken from every paycheck.
Roth IRA
Retirement account funded with after-tax money. Grows completely tax-free. The single best wealth-building tool for young people.
Capital Gains
Profit from selling an investment. Long-term (held 1+ year) = lower tax rate. Short-term = ordinary income rate.
Marginal vs. Effective Rate
Marginal = your highest bracket rate. Effective = your actual average rate across all income. Always lower than marginal.
Tax Credit
A dollar-for-dollar reduction in your tax bill. More valuable than a deduction. Examples: American Opportunity, Saver's Credit.
Self-Employment Tax
The 15.3% SS + Medicare tax self-employed workers pay solo (vs. splitting with an employer at 7.65% each).
HSA
Health Savings Account. Triple tax advantage: deductible contributions, tax-free growth, tax-free medical withdrawals.
401(k)
Employer-sponsored retirement account. Traditional = pre-tax contributions, taxed on withdrawal. Roth = after-tax, tax-free withdrawal. Contribute enough to capture the full employer match — always.
Employer Match
Free money your employer adds to your 401(k) based on your contribution — often 3–6% of your salary. Not contributing is leaving part of your salary on the table.
Coming Next... 📚
The Little Scoop Co. Series
Three books.
Three stages of financial life.
Everything your school never taught you.
🍦
Book 1: Who Ate My Ice Cream?
Grades 4–6 · The fun intro — Ellie & Donnie explain how taxes work through ice cream scoops. Perfect first book.
✅ Available now at littlescoop.co
💵
Book 2: Who Ate My Paycheck?
Grades 7–12 · The teen edition — paychecks, W-2s, filing returns, Roth IRAs, and building real wealth.
📖 You're reading it now!
🏭
Book 3: Who Owns the Ice Cream Parlor?
Coming Soon · Who owns the parlor? Who should? Big economic questions made accessible — not college-level theory.
🔜 Coming soon from Little Scoop Co.
Follow along at @littlescoopco
📚 Sources & References
Where This Book Got Its Facts
🏛️ IRS — Primary Sources
📊 Tax Data & Rates
· IRS Publication 17 — Your Federal Income Tax
· IRS Form W-2 Instructions & Box Definitions
· IRS Form 1040 & Instructions (2026)
· IRS Form 1099-NEC Instructions
· IRS Schedule C — Profit or Loss from Business
· IRS Publication 550 — Investment Income & Expenses
· IRS Publication 334 — Tax Guide for Small Business
· IRS Publication 969 — Health Savings Accounts (HSAs)
· IRS Topic 409 — Capital Gains and Losses
· IRS EITC — Earned Income Tax Credit
· IRS American Opportunity Tax Credit
· IRS Roth IRA Contribution Rules & Limits
· IRS Self-Employment Tax Overview (SE Tax)
· IRS Rev. Proc. 2025-32 — 2026 Inflation Adjustments
· IRS Social Security & Medicare Tax Rates
· IRS Gift Tax Annual Exclusion Rules
· Tax Foundation — 2026 Federal Tax Brackets & Rates
· Tax Foundation — State Individual Income Tax Rates
· CA Franchise Tax Board — 2026 CA Income Tax Rates
· CA EDD — State Disability Insurance (SDI) Rate
· Social Security Administration — FICA Rate Overview
· Investopedia — Compound Interest & Roth IRA
· NerdWallet — Roth IRA vs Traditional IRA
· One Big Beautiful Bill Act (OBBB, signed July 4, 2025)
· IRS — 401(k) Contribution Limits 2026
· IRS — HSA Contribution Limits 2026 ($4,300 individual)
· IRS — Standard Deduction 2026 ($16,100 single)
· IRS — Child Tax Credit Rules & Phase-out
· IRS — Saver's Credit (Retirement Savings Contributions)
· IRS — Home Office Deduction Rules
· IRS — Section 121 Home Sale Exclusion
· IRS — Capital Gains Tax Rates 2026 (0% threshold $48,350)
★ Note: Tax law changes frequently. All figures reflect tax year 2026 per IRS Rev. Proc. 2025-32 and the One Big Beautiful Bill Act. Consult a licensed tax professional for advice specific to your situation. This book is for educational purposes only.
Now You Know. 💵
"The best time to learn about taxes was when you were born.
The second best time is right now."
The second best time is right now."
— Little Scoop Co. (adapted from an old proverb)
Little Scoop Co.
For grades 7–12 · Part of the Little Scoop Co. series
Aligned with high school financial literacy standards
All facts sourced from IRS.gov, Tax Foundation, CA FTB
© 2026 Little Scoop Co., LLC · littlescoop.co
Aligned with high school financial literacy standards
All facts sourced from IRS.gov, Tax Foundation, CA FTB
© 2026 Little Scoop Co., LLC · littlescoop.co