Financially Illiterate

If you don't teach your children about money, tap-and-go, buy-now-pay-later and social media will.Most money books start with spreadsheets. This one starts with you: the beliefs and habits you inherited, and the ones you don't have to pass on.Most of us learned about money through stress, debt and costly mistakes. Our children are growing up with endless subscriptions and influencers selling them the next thing they supposedly need. They won't figure it out alone. This book helps you become the person who teaches them.Inside, you'll learn how to:Understand your Money DNA: uncover the beliefs and family patterns you inherited through three guided conversations.Recognise the hidden influences: identify five environmental triggers shaping how your family spends, saves and thinks about money.Build essential money skills: learn about budgeting, saving, investing and goal-setting in ways that fit everyday life.Make money a normal family topic: use reflection questions at the end of every chapter to start dinner-table conversations, without lectures or awkwardness.Break the cycle: replace unhelpful habits with healthier ones your children can carry forward.Written by an educator who learned about money the hard wayWritten by an educator who learned about money the hard way. Jelena Petronijevic grew up in Serbia during civil unrest and hyperinflation, learning how to survive a money crisis but not how money worked. After rebuilding her life in Australia, she spent more than 20 years in education and became a MoneyMinded coach, where she saw that financial illiteracy isn't a lack of intelligence. It's a lack of education.Who is this book for?Australian parents who want their kids to do better with money than they did. Grandparents, carers and educators will find it just as useful, as will adults ready to learn the skills they missed.You don't need to be good with money to begin. You just need to be willing to learn.You can't change the money lessons you never received. You can change the ones your children grow up with.