My grandkid is 15. He is from a generation of children that were born when computer technologies were all around. When he was 13, he started finding online games that rewarded him with gaming tokens that he managed to turn into real money. He uses apps to make money, and they earn him quite a few pennies. I know that’s not a hell of a lot, but, in my opinion, he’s on his way to trading cryptocurrency and all that. Hopefully, he’ll obtain financial independence faster than I did.