Molly Benjamin is on a mission to make financial literacy accessible, practical, and empowering—especially for women and now, kids. After transforming her own “hot financial mess” into a thriving movement that’s educated 70,000+ Australian women, Molly is bringing the conversation to the next generation. As a spokesperson for Spriggy, she has deep insights into how kids earn, save, spend, and give—and how parents can raise resilient, financially confident children who are ready to thrive.

In This Episode Money Mindset Starts Young

Molly explains how kids form their attitudes toward money by age seven—and how adult behaviours code that mindset. She shares why normalising conversations around spending, saving, and giving early matters, especially in a cashless society.

“It’s not just what we say, it’s what we do around money. Kids are watching.”

Molly outlines her favourite financial framework for children—Spend, Save, Share—and explains how to use tools like Spriggy or Monopoly money to reinforce tangible learning about financial priorities and delayed gratification.

The FY25 Spriggy Kids Economy Report reveals that girls are earning $1.03 for every $1.00 boys earn—flipping the adult gender pay gap. What can this tell us about confidence, motivation, and resilience in young people?

From over-rewarding chores to avoiding money conversations, Molly highlights the unconscious habits that may undermine a child’s financial resilience.

“Money shouldn't be a taboo or secret. If they don’t learn it from us, they’re learning it somewhere else.”

With house prices now 8–14 times the average wage, Molly discusses how we can prepare our kids for lifelong affordability pressures—through saving, investing, and open dialogue.

“Even if you’ve never invested before, go on the journey with your child. Learn together.”

From setting savings goals to explaining superannuation and tax to teens, Molly shares strategies to raise informed, confident kids who won’t panic the first time they fail—or the first time they look at a budget.

Takeaways

• Financial resilience isn’t just about money—it’s about mindset.
• Teach saving before spending. Help kids delay gratification.
• Make chores part of life, not always tied to payment.
• Involve kids in financial conversations early and often.
• Model what you want to teach—especially around budgeting, insurance, super, and investing.
• Support teens to understand taxes, super, and compound interest when they get their first job.

Resources Mentioned

• Ladies Finance Club
• Spriggy Kids Economy Report
• Spriggy App
• Money Smart Tools (ASIC)
• Book:Raising Money Confident Kids (Molly Benjamin, 2025)
• Tool: “Super Detective” retirement checker
• See also research: Harvard, La Trobe, Spriggy, Stoicism, and Bobo Doll Experiments