“Wealth is not only what you leave for your children. It is what you teach them to build.” Opening Story Imagine two families. Both parents work hard. Both earn a reasonable income. Both want the best for their children. But their financial habits are very different. Family A spends first and saves whatever is left. Family B saves first, plans their spending, builds assets and regularly reviews their financial goals. Family A talks about money mainly when there is a problem.

“Money without a purpose has a tendency to disappear.” Opening Story Have you ever opened your banking app and wondered: “Where did all my money go?” Your salary came in a few weeks ago. You paid the bills. Bought groceries. Had dinner with friends. Ordered something online. Paid for subscriptions. Bought coffee. Maybe made a few impulse purchases. Nothing seemed excessive. But somehow, the balance is almost gone. Then you tell yourself: “Next month I’ll manage my money bette