Computer programmer David Jones earns $35,000 a year designing new computer games, yet he cannot found a bank ready to let him have a credit card. Instead, he has been told to wait another two years, until he is 18. The 16-year-old works for a small firm in Liverpool, where the problem of most young people of his age is finding a job. David's firm releases(推出) two new games for the fast growing computer market each month.
But David's biggest headache is what to do with his money. Even though he earns a lot, he cannot drive a car, take out a mortgage(抵押货款),or get credit cards. David got his job with the Liverpool-based company four months ago, a year after leaving school with six O-levels and working for a time in a computer shop. “I got the job because the people who run the firm knew I had already written some programs,” he said. David spends some of his money on records and clothes, and gives his mother 50 pounds a week. But most of his spare time is spent working.
“Unfortunately, computing was not part of our studies at school,” he said, “But I had been studying is in books and magazines for four years in my spare time. I knew what I wanted to do and never considered staying on at school. Most people in this business are fairly young, anyway.” David added: “I would like to earn a million and I suppose early retirement is a possibility. You never know when the market might disappear.”

计算机程序员大卫琼斯靠设计电脑游戏一年能赚3万5千美元，尽管如此，他仍然无法在任何一家银行申请到信用卡。银行告知他必须再等2年直到他18岁。16岁的他在利物浦一家小公司工作。对于和他同龄的大多数年轻人而言，找到工作并不容易。在迅速发展的计算机机市场中，大卫所在的公司每月推出2款新游戏。
另大卫头痛的是如何理财。尽管他赚得多，但他不能开车，不能办理抵押借款，也不能申请信用卡。大卫以六门功课均达普通程度的成绩离校，离校后的一年里他曾在一家电脑商店工作过一段时间，直到4个月前他获得了在这家位于利物浦的公司工作的机会。大卫说：“公司老板在得知我已经写出了一些不错的程序后给了我这份工作”。大卫会花一部分钱在音乐和服装上，并且每周给他母亲50磅。他大部分空闲时间都用在了工作上。大卫说：“遗憾的是，上学时计算机不在我学习的课程之列，但我把那四年里的空闲时间都用在了从书本及杂志上学习电脑知识上。我知道自己想做什么并且从未考虑过继续留在学校。毕竟从事这个行业的大多数人都相当年轻。”大卫接着说道：“我想赚到一百万，并且有提早退休的可能。因为你不知道市场会在什么时候消失."