Frequently Asked Questions
Things we get asked a lot
1. MoneyMinded (moneyminded.com.au)
Free program covering budgeting, debt reduction, saving, and goal-setting
Structured and self-paced, so you can start small and build confidence at your own speed
9 in 10 learners report feeling better equipped to handle financial challenges afterward
2. MoneySmart (moneysmart.gov.au)
Australia's government-backed financial guidance website run by ASIC — trustworthy, free, and jargon-free
Covers everything from budgeting basics to debt, savings, and superannuation in plain language
A safe, no-pressure starting point that meets people wherever they are financially
3. She's on the Money Podcast by Victoria Devine
One of Australia's most popular finance podcasts, known for being relatable, non-judgmental, and genuinely encouraging
Tackles real listener questions about debt, budgeting, and building confidence — so it immediately feels relevant and accessible
A great companion for someone who learns better by listening than reading
4. Consider working with a Money Coach
A money coach can help you make sense of where you are now, untangle the emotions around money, and create a practical plan that actually fits your life
Unlike a financial adviser, a money coach focuses on your behaviours, habits, and mindset — which is often exactly what's needed when you're feeling overwhelmed
Finding the right person to walk alongside you can make all the difference — get in touch and we can help point you in the right direction
A money coach can help you get clear on where your money is actually going, identify habits or beliefs that may be holding you back financially, and create a practical plan that works for your real life — not just a generic budget.
They can support you through major financial transitions such as starting your first job, managing debt, saving for a goal, navigating a relationship breakdown, or building confidence after a financial setback.
Unlike a financial adviser, a money coach focuses on behaviour, mindset, and skills rather than specific product recommendations — helping you build the knowledge and habits to make better financial decisions long-term.
Money coaching is not yet a regulated industry in Australia, which means anyone can call themselves a money coach — so it's worth doing your homework before committing to working with someone.
That said, there are truly wonderful coaches out there who can make a real difference to your financial wellbeing; look for someone who has relevant qualifications or experience (such as a background in financial planning, counselling, or education), clear and transparent pricing, genuine testimonials from past clients, and a coaching style that feels like a good fit for you personally.
A few practical places to start your search: ask for personal recommendations from people you trust, consider booking a free discovery call with a few different coaches before deciding — a good coach will welcome that conversation.
We're currently curating a list of exceptional coaches, so until that's ready, get in touch and let us help point you in the right direction..
If financial independence is important to you, then Lacey is your gal. Check out her amazing resources at Money School.
https://www.moneyschool.net.au/
Another great resource is https://moneysmart.gov.au/
Pigly – Opportunity Cost Calculator
• Free nonprofit calculator that shows the real cost of spending vs. investing money
• Helps kids and parents visualise what a habit or purchase actually costs over time
• Includes a range of budgeting tools covering savings, debt, and everyday spending decisions
• Helps children understand the value of giving and receiving
• Provides tools and guides for teaching generosity alongside saving
• Encourages thoughtful financial decision-making from a young age
• Australian resource helping parents teach children about money
• Covers topics like earning, saving, budgeting, and giving
• Age-appropriate activities and guides for primary school children
MoneySmart – Family & Relationships
• Government-backed resource from ASIC for teaching kids about money
• Includes games, activities, and conversation starters for families
• Covers spending, saving, and needs vs. wants for young learners
Barefoot Investor for Kids - Book
• Bestselling Australian book adapting Scott Pape's Barefoot method for children
• Teaches kids to manage money using buckets: Splurge, Save, and Give
• Fun, story-driven approach designed to build lifelong money habits
• Australian educational resource with fun money tools for kids
• Offers printable resources, books, and activity kits
• Focused on making money concepts engaging and accessible for young children
• Parent-controlled savings ledger app — no bank account required
• Children can track and 'spend' their savings with parental approval
• Teaches real-world money management in a safe, supervised environment
• Australian family finance app for managing kids' pocket money
• Tracks earnings, savings goals, and spending in one place
• Encourages financial responsibility and goal-setting from an early age
• Hosted by comedian Nazeem Hussain, making money topics engaging for teens
• Covers saving strategies, managing debt, and smart spending habits
• Available on ABC Listen with 79+ episodes on finance and personal growth
MoneySmart – Young People & Money
• ASIC report exploring financial attitudes and behaviours of young Australians
• Provides insights into how teens think about earning, saving, and spending
• Useful for parents and educators to better understand teen money mindsets
Financial Basics Foundation – Holiday Hustle
• Summer school program helping young people build money skills during holidays
• Covers budgeting, earning, and planning for financial goals
• Free resources and parent fact sheets available on the website
Beyond the Curriculum – Financial Development Course
• Online financial education course designed for young Australians
• Covers real-world money skills not taught in school curricula
• Self-paced modules on budgeting, saving, and starting to invest
MoneySmart – Managing on a Casual Income
• Helps teens with casual jobs understand irregular income
• Practical tips for budgeting when pay varies week to week
• Includes tools for tracking spending and building an emergency buffer
Mums of the Shire – First Car Purchase Guide
• 10 practical tips to guide teenagers through buying their first car
• Covers budgeting, insurance, and what to look for when inspecting a car
• Helpful for parents and teens navigating a major financial milestone together
Millionaire Mission (Money Guy Show)
• Popular US-based YouTube channel covering wealth-building principles for young people
• Presents the 'Financial Order of Operations' for structured money management
• Focuses on long-term investing, avoiding debt, and building financial independence
The Richest Man in Babylon - Book
• Classic personal finance book told through parables set in ancient Babylon
• Teaches timeless principles: save 10%, invest wisely, and avoid debt
• Simple and engaging read suitable for older teens and young adults
MoneyMinded - Online Program
• Free ANZ-backed online program helping Australians build financial skills
• Covers budgeting, debt reduction, saving, and goal-setting
• 9 in 10 completers report being better able to manage financial problems afterward
MoneySmart – Save for an Emergency Fund
• Step-by-step guide to building a financial safety net
• Covers how much to save, where to keep it, and how to automate contributions
• Government-backed resource from ASIC designed for all income levels
MoneySmart – Investment Warnings
• Helps young investors recognise and avoid investment scams and hype
• Covers red flags like promises of guaranteed returns and pressure tactics
• Essential reading before investing in crypto, shares, or managed funds
• Guides young adults on protecting themselves from financial scams online
• Covers phishing, identity theft, and suspicious investment platforms
• Practical checklist for staying safe when managing money digitally
• Micro-investing app that rounds up purchases and invests the spare change
• Raiz Kids feature allows parents to start investing on behalf of children
• Low barrier to entry — ideal for young adults starting their investment journey
• Long-term investing platform designed for beginners and ethical investors
• Automates regular investments into diversified share portfolios
• Strong community features and goal-setting tools for young investors
Making Money Made Simple – Noel Whittaker - Book
• Australian personal finance classic updated for modern conditions
• Covers superannuation, property, shares, insurance, and tax in plain language
• Highly recommended starting point for young adults building financial foundations
Financial Literacy to Understand Money: Life Skills for Young Adults and Senior School Students - Book
Written by Roy Shackley, an ex-ASIC analyst and financial expert, covering the six key areas of personal finance: managing money, borrowing, taxes, insurance, investments, and protecting your money
Aimed at senior school students, young adults, and new Australians, using plain language and worked examples to explain complex concepts like superannuation, student loans, and compounding
Focuses on teaching readers what questions to ask when making financial decisions, building practical skills rather than just theoretical knowledge
• Queenie Tan (@investwithqueenie) – accessible investing education for young Australians
• Victoria Devine (@shesonthemoney) – budgeting and financial empowerment
• Natasha Etschmann (@tashinvests) – beginner investing journey and tips
Podcast
• Hosted by Victoria Devine, focused on financial empowerment for young Australian women
• Covers budgeting, debt, investing, and building wealth from scratch
• Hugely popular in Australia with a strong community of engaged listeners
• Addresses financial challenges faced by younger generations (housing, debt, low wages)
• Practical advice on stretching budgets and building savings despite rising costs
• Relatable tone that resonates with young adults feeling behind financially
• Focuses on sustainable, long-term wealth building rather than get-rich-quick schemes
• Covers index investing, superannuation, and building good financial habits
• Casual and accessible format ideal for investing beginners
It's Not About the Money Podcast
• Explores the emotional and psychological relationship people have with money
• Encourages listeners to align finances with values rather than just numbers
• Helpful for young adults looking to build a healthier money
If you're looking to create a budget, reduce your debt or save more regularly, MoneyMinded can help you get there.
CAP (Christians Against Poverty) Workshops
• 3-part community workshop series covering budgeting, debt, and saving
• Free, faith-based program delivered through local churches across Australia
• Practical and supportive environment for adults facing financial hardship
• Explores frugal living strategies without sacrificing joy or quality of life
• Covers meal planning, side hustles, minimalism, and saving on everyday expenses
• Encouraging and practical approach to living well on less
Financial Basics Foundation – Parent Hub
• Practical fact sheets helping parents talk to children about money
• Covers topics from pocket money to first jobs and online safety
• Free, downloadable resources backed by financial education experts
Podcast
• Community-focused podcast empowering women to take control of their finances
• Topics include negotiating salary, investing, property, and financial independence
• Features expert guests and real listener Q&A sessions
mindset
Plenty – Kate Northrup - Podcast
• Focuses on abundance mindset and redefining success beyond financial metrics
• Covers money, energy, and building a life of meaning and ease
• Particularly popular with women seeking a holistic approach to wealth
Look for someone with genuine experience delivering financial education (not just personal finance content) to your specific audience — a great presenter for adults may not be the right fit for teenagers, and vice versa
Check that they can tailor their content to your community's context, whether that's culturally appropriate messaging, language accessibility, or sensitivity around financial hardship
Ask to see examples of previous workshops they've delivered, seek out testimonials from past event organisers, and where possible, look for someone with a recognised qualification in financial counselling, education, or coaching
We'd love to help point you in the right direction — get in touch with us directly and we'll connect you with someone we trust and can personally recommend.
There are some great reasons to support your employees in their financial wellbeing:
When employees feel financially secure, they bring their whole selves to work — less distracted, more engaged, and better able to collaborate and perform.
Financial stress is one of the leading contributors to workplace anxiety and burnout — addressing it proactively shows employees they are valued beyond their output.
Practical financial education in the workplace builds skills employees carry for life, creating goodwill and deep loyalty that salary alone rarely achieves.
Teams with stronger financial wellbeing tend to be more resilient during economic uncertainty, benefiting both individuals and the organisation as a whole.
Check out the crew at My Money Circle:
Still not sure? We'd love to hear from you
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