Given our experiences with money, the mistakes we’ve made and what we wish we knew about money when we were younger, how is it that we parents aren’t up in arms?

How come we aren’t calling for massive, decisive action to fix what we must know is a ticking time bomb.

Why are we content to sit on the sidelines and wait for this to play out? Especially when we know deep down, that there really isn’t any good way this can play out.

I think there a few reasons for this:

As parents we…


There is real resistance to changing the status quo around financial education, or rather the lack of it. A lack of funds, resources and time, are the causes most commonly cited.

None of these stand the test of reason. One just has to consider the alternative to realize that that the cost of providing this education to teenagers and young adults, is massively outweighed by the potential benefits.

More so than past generations, teens today are exposed to myriad earning and investing opportunities. Few legitimate, most highly dubious.

From Multi Level Marketing schemes, stock and forex trading platforms to highly…


For a long while I was stuck on the ‘Who am I to try?’ question.

Who was I to question the education industrial complex? Who was I to tell academics and tenured professors that what they aren’t teaching our teens about money is severely handicapping their ability to live up to their full potential.

Who was I to tell other parents that this is an issue that’s needs their immediate, undivided attention?

Who was I to tell financial industry experts that what they do by helping people better manage their finances, is too little, too late. …


Money, in some shape or form, affects almost every aspect of our lives.

From where we choose to study, the amount of debt we take on for this, what career path we choose to follow, how long we work for, our health, our relationships, our choice of investments and even our retirement — are all affected by money and the quality of our financial decisions.

Yet, and brace for this — we don’t have a single class in our education system that teaches us about how money works and how we can make smarter financial decisions.

It doesn’t matter where…


I spent my 30’s being mad at a lot of people.

Because I was hit with the 3 M’s that nobody and nothing adequately prepared me for.

I expected the road to getting married to be tough.

Finding the ‘right one’, deciding to commit & finally taking the plunge to be ‘together forever’ seemed so amorphous, with just your intuition and not much else to guide you how to do this well or smartly.

I was quite certain though, that once done, the rest would be a piece of cake. My life would follow the ‘Happily Ever After’ theme, just like all those Disney movies, rom-com’s and romance novels.

All…


There seems to be an app for everything nowadays.

From shopping and dating, to pet grooming and fuel refills, you needn’t get off the couch anymore.

A few taps, swipes and scrolls, and you’re sorted.

Easy peasy. No sweat. And a smaller carbon footprint.

Recently there has been a veritable explosion in the number of money apps/ digital offerings trumpeting claims about teaching kids & teens good money behavior.

From budgeting and investing apps to digital debit cards, they proclaim to (choose the tag line that resonates most with you):


When we buy any kind of insurance, we do it to cover our bases incase something untoward happens.

This might happen, or it might not. We still buy the insurance because the possible downside is much greater if we don’t. And smart people are all about reducing the downside.

So we buy the car insurance, home insurance, health insurance, disability insurance etc while hoping that we never have to claim any of it.

But what about the instances when it’s not a question of a possibility but more an extremely likely, presumably definite probability.

When it’s not if…but when?

When…


This Father’s Day you probably spent a ton of money, most likely your dads’ to begin with, to buy him something nice.

And the sentiment is lovely.

For next year though, I’d like you to consider giving him something novel.

This isn’t something you can ‘Amazon Prime’ the day before…it will take time.

This isn’t something you can tie up with a fancy bow…though I guarantee he will notice it and smile broadly.

This isn’t something particularly instagrammable (this is hard I know)… but I guarantee he will love it and brag about it to all his friends.

This is…


Financial illiteracy should be a crime. That is, an activity considered a grave offense, harmful or wrong.

Look at the disastrous fallout, and the reason it should be a crime becomes obvious.

It greatly harms those afflicted. It has catastrophic consequences not just on their finances but on every aspect of their lives, from their self-confidence to their mental health. It is actively detrimental to their future success and happiness.

And to make matters worse, it not only adversely affects them but also their families who often have to face the ramifications of their bad financial decisions.

Yet..and here’s the…


As much as we’d love to, we can’t protect our kids from everything.

They are going to get their knees skinned and elbows bruised when they learn to ride a bike, or climb a tree.

They will probably have to deal with the mean kids and class bullies sometime in their school life.

They will undoubtedly feel the tremendous pressure of entrance exams and SAT scores when they’re ready for college.

They will likely get their hearts broken somewhere along the way. (I know, somehow this is one pain we parents feel viscerally).

Yet, we try.

We ensure our kids…

Marilyn Lydia Pinto

Founder of the KFI GLOBAL | Rebel Educator

Get the Medium app

A button that says 'Download on the App Store', and if clicked it will lead you to the iOS App store
A button that says 'Get it on, Google Play', and if clicked it will lead you to the Google Play store