Financial literacy for Australian high schools

Practical money skills before adulthood begins.

Money Skills for Life is a school-ready financial literacy program for secondary students. It helps young people understand money, avoid financial traps, and build confidence for real-world decisions.

Years 10–12 45–60 minute sessions Education only No product recommendations

4-session school program

1Money Basics
Income, spending, budgeting and needs vs wants.
2Financial Traps
Debt, BNPL, subscriptions, scams and impulse spending.
3First Job
Payslips, tax, superannuation and savings habits.
4Investing Basics
Risk, return, diversification and long-term thinking.

A practical life-readiness program for secondary students.

The program can complement wellbeing, careers, commerce, economics, business studies or transition-to-work initiatives by giving students practical, safe and age-appropriate money skills.

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Relevant

Students already encounter spending decisions, online financial content, subscriptions, debt and scams.

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Educational

Sessions are focused on general financial literacy, decision-making and critical thinking.

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Safe

No personal advice, no product recommendations and no promotion of financial services.

Milou Pearcy

Milou Pearcy

Finance professional and volunteer financial literacy facilitator.

Facilitator

Real-world financial experience, translated for students.

Money Skills for Life is delivered by Milou Pearcy and draws on practical experience across banking, lending, treasury and public-purpose financial program delivery.

About Milou

β€œThe aim is not to turn students into investors β€” it is to help them become better decision-makers.”

Delivered from a general education perspective, with clear boundaries around advice and product recommendations.