English to Arabic Bus/Financial Finance (general) Child and Youth Finance

This term was mentioned in a context dealing with an initiative for promoting child and youth finance. The sentence is as follows: "it is important for children and youth to build clever cost-careful habits from an early age in order to avoid financial exclusion and develop key money-managing skills for later in life."

I think (الاستبعاد/الاقصاء) does not provide the actual meaning. I used (الحرمان من الخدمات المالية) as an alternative given the general audience of the file and being primarily aimed at children and youth as well as adults and professionals in the finance field. Do you agree?