23/09/2026
I had the privilege of holding a financial literacy session at Woodcreek School.
One thing I always find challenging when speaking to young people is deciding how much financial information is appropriate for their age. So, I often go back to one question:
What do I wish someone had taught me about money when I was their age?
Concepts like budgeting, needs versus wants, saving and spending are often taught in school. But I wanted to dwell on something that perhaps isn't discussed as much in the classroom: the psychology of money.
You grow up believing that getting straight A's is the surest path to financial success. And while education and academic excellence are incredibly important, the reality can look very different once you step into the world of work.
Money often follows purpose, and to a large extent, a mindset game. It starts with understanding what you want from your life and setting your goals early.
But how do you start when you're still a student and don't have much money?
Start with what you have.
First, understand what you want from life. Your vision will evolve as you grow, and that's okay. Keep adjusting your vision board as you discover more about yourself.
Then, look at what you already have:
✨ Your passion — often closely connected to your purpose.
✨ Your God-given talents — those things that come naturally to you.
✨ Your curiosity and interests — the things you keep coming back to.
Pursue these even as you work towards those A's.
And then comes something many young people don't think about early enough: personal branding.
Branding isn't only for big companies. You are a brand too.
What do you want to be known for? What value do you bring? What do people associate with your name?
If you can build a strong personal brand around something you're genuinely passionate about, you may find yourself several steps ahead when opportunities begin to come your way.
So yes, work hard for those grades. But don't let your grades be the only thing you build.
Build your purpose, skills, character and brand.
And learn how money works.
Because money is a tool and a means to an end—not the end itself.
