Computer programmer David Jones earns $35.000 a year designing new computer games, yet he cannot find a bank ready to let him have a credit card（信用卡）. 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（抵押贷款）, 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 it 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（退休）is a possibility. You never know when the market might disappear.”

In what way is David different from people of his age?