BS”D
Girls do not have to light.
Boys do not have to light.
The mitzva is ONE candle.
The house (husband OR wife) should light, and is Yotze the other via Ishto K’Gufo (for example, the wife should light if the husband will be home late). If a high school girl will be the only one home at the Z’man, she should really be the one who lights, and is Yotze everyone else who lives in the house, including her parents.
Mehadrin Min HaMihadrin is that (Al Pi the Rema) each member of the home lights (including girls). There is a valid minhag that all women of the home do not light (including girls over Bas Mitzva), but that is not like the Rema or the Mishna Berura (C”V that I am saying it is an issue, just the facts).
Furthermore, (from what I understand, but ask your LOR) one should have in mind NOT to be Yotze with the head of the household if they will light at a later time, so that they will have not already been yotze & be making a brocha Livatala.
Ask your LOR, & YMMV.
P.S. There is (IMHO) absolutly no reason for a Ben (or Bas) Bayis to be Mistatef B’Priti (give a coin).
PPS: Sam2, I believe it is a minhag Chassidus.