[speaker001:] So, Jimmy, how does it feel to have your own money?
[speaker002:] It 's great, dad. I don 't mind delivering papers, but the real fun is collecting the money.
[speaker001:] Even though you are only twelve, it 's not too early to start saving a little money.
[speaker002:] I 'Ve never had a bank account before. Why don 't I just keep my money under the matters like grandpa does?
[speaker001:] You know you would spend it. And also, money in the bank earns interest.
[speaker002:] But what if I need my money suddenly?
[speaker001:] The bank will give you a PIN, and you can withdraw money from any ATM.
[speaker002:] Great! So it 's almost the same as keeping it under the matters!
[speaker001:] Not quite. You have to maintain a minimum balance of twenty dollars. And sometimes the bank has service charges. But you don 't have to worry about that yet. Let 's go make your first depot
[speaker002:] OK. Guess I have to do that before. I can make money my first withdrawal.