Imagine being in your early 20s, barely figuring out your own budget and suddenly becoming the legal guardian of an 8-year-old. That was me three months ago.
Overnight, my routine of instant oatmeal dinners and dodging overdraft fees turned into grocery lists, school pickups and conversations I never expected to have so soon. But the most jarring part hasn't been parenting itself — it's been watching how digitally wired my niece's relationship with money already is.
