Australian Finance Podcast Pocket money, compounding, and investing for kids – with Pearler’s Ana Kresina
Oct 13, 2025
In this discussion, Ana Kresina, a personal finance educator and head of product at Pearler, shares her insights on teaching kids about money. She emphasizes the importance of starting money lessons early to build lasting habits. Ana explores whether pocket money is beneficial, suggests fun ways to learn about saving and investing, and stresses aligning financial lessons with family values. She also provides practical tips on avoiding common mistakes and initiating kids’ investing journeys with age-appropriate conversations.
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Kids Absorb Money Beliefs Early
- Children absorb money beliefs early; by age seven they understand budgeting and delayed gratification.
- Parents' words about money shape lifelong mindsets, so start age-appropriate conversations early.
Use Shopping Trips As Teachable Moments
- Take kids shopping and explain price differences and household priorities before you enter the store.
- Make money a continuous family conversation tied to shared goals, not a one-off lecture.
Make Pocket Money Fit Your Values
- Decide whether to link pocket money to chores or give it as unconditional allowance based on family values.
- Use alternative rewards like 'kindness marbles' to encourage helpful behaviour without paying for every household task.
