Personal finance websites allow their users to track even small expenses — such as coffee-shop visits — and set savings goals, like paying for a long vacation. PR Newswire hide caption

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Mobile apps are one mechanism helping the tech-savvy to manage their finances. hide caption

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Kate Haynes (left) and Samantha Jensen watch the stock tickers and debate what to select for their investments while participating in Junior Achievement's Finance Park program in Fairfax County, Va. Erin Schwartz/NPR hide caption

itoggle caption Erin Schwartz/NPR