Provide the theme summaries for the following conversation: 

#Person1#: So, Jimmy, how does it feel to have your own money?
#Person2#: It's great, dad. I don't mind delivering papers, but the real fun is collecting the money.
#Person1#: Even though you are only twelve, it is not too early to start saving a little money.
#Person2#: I have never had a bank account before. Why don't I just keep my money under the matters like grandpa does?
#Person1#: You know you would spend it. And also, money in the bank earns interest.
#Person2#: But what if I need my money suddenly?
#Person1#: The bank will give you a PIN, and you can withdraw money from any ATM.
#Person2#: Great! So it is almost the same as keeping it under the matters!
#Person1#: 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 deposit.
#Person2#: OK. Guess I have to do that before I can make money my first withdrawal.

Summary: 
Jimmy feels great to have his own money. His dad tells him the advantages of keeping money in the bank and will take him to make his first deposit.