Students are taught to follow the rules.

Primary school students are instructed to listen and obey their teachers’ rules.

Secondary school students take courses they may dislike because they are required for graduation.

University students can choose their major, but they still have to follow strict academic plans.

The ability to follow instructions is important for success as an employee.

But students who only know how to follow plans do not develop the skills to make plans of their own.

Once they are on their own, young adults must quickly acquire the skills of career, life, and money planning.

Students who have the chance to practice making their own plans become capable, confident young adults.

Students need the opportunity to develop their money planning skills.

Once students are taught to take responsibility for their financial lives, they recognise that they must make their own money plans.

Money planning is more than just creating a budget. It includes identifying personal financial goals.

Also, a plan must be applied, not just talked about. That means figuring out the action steps needed to reach each goal.

It may seem daunting, but like most skills, making a money plan is best learned through practice.

When a student is given the right tools, they are empowered to create a money plan that reflects their individual goals and values.

With the support of their peer financial counsellor, they find their unique path to lifelong financial wellness.

When a student creates and implements their own money plan, their overall financial literacy confidence grows.

Students are proud of their abilities and initiative. Each student takes ownership of their plan and its success.

Also, studies show that a student is more likely follow a money plan when they were the one who made it.