To me, wealth means having the resources and freedom to live intentionally, to meet your needs, pursue your goals, and invest in your growth without constant stress or limitation. It’s not just money; it’s also time, knowledge, health, and meaningful opportunities that allow you to thrive and make choices that align with your values.

I would encourage students to start small and stay consistent by creating a simple budget, setting aside a portion of any income or allowance, and tracking spending. I’d also emphasize the importance of emergency funds, smart spending, and avoiding unnecessary debt. To plan for long-term wealth, I’d introduce basic concepts like compound interest, investing early, and setting financial goals, showing that even small, consistent efforts can grow significantly over time. Using relatable examples and easy-to-follow tips, students can see that financial planning is achievable and empowering.

Every student should understand budgeting, saving, and responsible spending as a foundation for financial independence. It’s important to track income and expenses, prioritize essential costs, and build an emergency fund. Students should also know the basics of credit, loans, and interest, so they can make informed decisions about borrowing and avoid unnecessary debt. Finally, understanding long-term financial habits, like investing early and setting financial goals, helps set a strong foundation for future stability.