Ben Bolger

most people chase money like it's the finish line. but money is a tool. time is the outcome. the wealthiest families i've worked with? they don't talk about their portfolio at dinner. they talk about what it bought them. mornings with their kids. the freedom to say no. a life that actually feels like theirs.

people think teaching kids about money makes them greedy. it's the opposite. kids who understand money share more, save more, and stress less. greed comes from scarcity. literacy creates abundance.

knowing about money doesn't mean you're good with it. financial literacy isn't just about knowledge. it's behaviour, values, and beliefs. you can ace every money quiz and still blow your pay check every month. because no one helped you build the habits you need to succeed with money.

90% of generational wealth is gone by the third generation. the person who built it remembers life before it existed. the 6am starts. the thing that nearly didn't work. their kids? they saw the holidays and the safety net. you can't inherit that context. you have to teach it.

@CP24 This a big step forward! We need to ensure this is not another tick boxing exercises and schools are given the right resources and dedicated time to execute on this.

Ontario sets financial literacy requirement for high school graduation cp24.com/politics/queen…

@elevareflowhub Lifestyle creep steals from your future self! The problem is that in the moment we view it as progress

Thursday Insight: It’s not income. Many high earners are broke. It’s not education. Financial literacy isn’t taught in schools. The real reason? Lifestyle inflation. Check out our Financial Freedom Roadmap tool at elevareflowhub.com #WealthBuilding #LifestyleInflation

@WisdomNotess Lets make sure we don't just feed them with information. Help them build the right habits around these things. Knowing what a budget is and doing it consistently are too different things. Lets build habits that last a life time for our children!🙌

12. Teach Them About Finance Teach your children about: • Money management • Credit cards • Budgeting • Investing • Saving • Loans • Taxes So they can make informed financial decisions as adults.

It took me 10 years to realize this, I will teach it to you in 3 minutes. Men, you should teach your children early what you learned late. Here are 16 Things Every Father Should Teach and Advice their Children (early in life): -Thread-

@jammetax @Mistonchain How we frame money matters is so important, especially for children. It should be seen as a tool for independence, not something that dictates their life. The way we speak about money in front of them is what builds that belief.

@Mistonchain Teaching kids about money is fine—but better focus on financial literacy and basics first, not pressure or “must pay rent” framing

Me teaching my kids crypto because everyone must pay rent.

follow @benbolger_ for more like this. if this resonated, repost the first tweet 🔁

we can spend a lifetime building wealth for our children. but if they don't know who to be when it arrives, does any of it really matter?

my son asked me why i go running before he wakes up. he's five. i told him because it makes me better. at work. at being his dad. at everything that comes after it. i don't know how much landed. but he watches.

"If you teach kids about money too young, they'll become obsessed with it." No. They become obsessed when nobody explains it and they're left guessing why it controls everything around them. Silence doesn't protect kids from money. It just removes you from the conversation.

@theharut Yes

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There’s a change happening in modern childhood, especially in successful families, that most parents rarely think about. For families who have worked hard to build comfortable lives, money often operates quietly in the background. Bills are automated. Purchases happen digitally. Flights get booked. Holidays appear on the calendar. New things arrive at the door. Life simply seems to work. Children grow up surrounded by opportunity, but they rarely get to see the thinking that goes behind it. And that matters more than most people realise. Judgement around money isn’t something children will automatically develop. It’s a learned behaviour. Historically, it was learned by watching decisions being made. Children saw their parents weighing trade-offs. Not everything could happen at once. Some things had to wait. Some things simply weren’t possible. And those moments taught a powerful lesson. Money isn’t just something you just have. It’s something you have to direct. Where it goes. What matters most. What can wait. And the reality is, the judgement behind those decisions is something children learn best when they get to see it happening. @squirrel_edu

“Teach financial literacy in schools.” Sounds great. Until you ask who is responsible for making it happen. It's obviously great more countries are now talking about introducing financial literacy into schools. Super encouraging. But how I can see it playing out really bothers me! In many cases, I foresee the responsibility for how it happens being simply passed back to schools. On the surface that sounds reasonable. Flexibility. Autonomy. Freedom for schools to design something that works for them. In practice, I believe it will create a different set of problems. Most schools don’t have specialist financial literacy teachers. So how do we ensure enough teachers feel confident delivering a subject they may never have been trained in? Departments are already incredibly busy. If financial literacy is meant to be delivered across multiple subjects, how often do those departments realistically have time to coordinate? If schools are given total flexibility, how do we assess whether students are actually developing financial capability? How do inspectors understand what good delivery looks like? How do we measure student progress? And how do we avoid the situation where financial literacy becomes: • a one-week “Dragon’s Den” activity • a collapsed day once a year • an after school club for students with motivated parents Financial literacy affects every single child. Which is why too much flexibility can unintentionally create the very thing we’re trying to solve: inconsistency. Some students receive excellent exposure. Others receive almost none. Financial literacy is just too important to be left to chance. We need to wake up! If we are serious about preparing young people for the financial realities of adult life, then financial education needs: • dedicated curriculum time • clear learning objectives • proper assessment of understanding • teacher support and training • consistency across schools Not because schools aren’t capable. Far from it, our Squirrel Education schools are incredible. But because schools already have an enormous amount on their plate. Clarity, resources and structured support would benefit everyone- especially students. Because this subject is unique. Every single child will interact with money for the rest of their life. Which I think raises an important question for policymakers: Are we designing financial education systems that are easy to introduce… or ones that actually work? @squirrel_edu

Today is International Women’s Day. As a girl dad, I am more aware about the kind of world our daughters will grow up in. One statistic that obviously really upsets me: Women are twice as likely to have poor financial literacy as men. Not because women are less capable. But because for decades many girls simply haven’t been given the same encouragement, exposure, or confidence when it comes to money. And money shapes some of the biggest decisions in life. Careers. Independence. Security. Opportunity. Yet too many girls (and boys)- still leave school without feeling confident about how money works. Not because they can’t understand it. But because no one has made it feel like it belongs to them. And that has to stop. If we change the narrative and support girls to understand money, they will understand their options. And when they understand their options, they can shape their own future. This is something I am incredibly passionate about and so are the team at @squirrel_edu . So today we want to make a simple pledge. We will do everything we can to ensure more girls leave school confident about money. Not intimidated by it. Not excluded from it. But fully ready to navigate it. Financial literacy shouldn’t have a gender gap. And if at @squirrel_edu we can help change that, even a little, it will be work worth doing. Happy International Women’s Day 💚 .

Parents spend their lives removing the struggles they faced. But many of the lessons that shaped them lived inside those struggles.