IELTS Speaking Part 3 – Saving Money and Financial Management

Is it easier to spend money or save money? What kind of things do people usually save money for? Why do some people find it difficult to save money? Why do people sometimes buy things they don't really need? Should parents teach their children to spend money freely or to save money? Do you think it is easier to teach teenagers how to manage money when they are around 16 or 17 years old? Should schools teach children how to manage money from a young age? Do you think having more money makes people happier?