22/12/2025
Since young, even with all the modern tap-to-pay gadgets and kid-friendly tech, I still make it a point to build one old-school habit for my children - saving physical coins.
Why?
Because the foundation of wealth is discipline.
It’s the simple act of setting money aside before you spend.
Slowly, this becomes their first lesson in “investing” - understanding that money can grow, but only if you respect it enough to save it first.
In life, the tools may evolve...
But the habits that build financial security remain timeless.
Start small. Start young. Start consistent.
-Terence (HNW Financial Services Director)
