{"id":69356,"date":"2026-01-15T08:00:00","date_gmt":"2026-01-15T00:00:00","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=69356"},"modified":"2026-01-14T15:26:25","modified_gmt":"2026-01-14T07:26:25","slug":"financial-literacy-life-skill-allowances-investing","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/financial-literacy-life-skill-allowances-investing","title":{"rendered":"Financial Literacy: Turning Allowances Into Investments"},"content":{"rendered":"

Why do most of us wait until adulthood to figure out how money really works? Maybe <\/span>wait<\/span><\/i> isn\u2019t even the right word. We might not even be aware of how important it is. By the time we\u2019re thrown into bills, credit scores, and loans, the learning curve is already so steep. Where do we even start to make sense of it? Adulthood isn\u2019t always a smooth ride, and money is one of the biggest sources of stress. If anything, we tend to understand money better once the damage has been done\u2014like falling into debt earlier than expected, when it may already be too late.\u00a0<\/span><\/p>\n

The debt trap starts young. With all the wants and needs in this economy, it\u2019s getting harder and harder to keep up. Latest statistics show that over <\/span>50,000 Malaysian youths aged 30 and below are in debt due to credit cards and loans worth up to RM2 billion in total.<\/span><\/a>\u00a0<\/span><\/p>\n

Utusan Malaysia wrote in its report: <\/span>\u201cBased on AKPK records, they are mainly caught in such a situation due to having additional children in their family, maintaining a particular lifestyle, housing loans and purchase of vehicles.\u201d<\/span><\/i><\/p>\n

At this rate, we\u2019d need to buy houses as toddlers to be able to afford one comfortably today! Prices keep rising but our finances aren’t keeping up. Growing up, we\u2019re mainly taught to save our money but how often are we taught to actually <\/span>grow <\/span><\/i>it?\u00a0<\/span><\/p>\n

The First Entrepreneurial School in Malaysia\u00a0<\/b><\/h3>\n

Financial literacy is not always about numbers, but it\u2019s making the right choices, having responsibility and cultivating a healthy mindset towards money. That\u2019s why schools like <\/span>Dwi Emas International School<\/span><\/a> are doing it right. One parent who has seen the impact firsthand is Audrey Ooi\u2014better known as <\/span>fourfeenine<\/span><\/i><\/a>,<\/span><\/i> Content Creator, Parenting Coach, Co-founder and Executive Director of Colony Coworking Spaces. She shared why Dwi Emas felt like the right fit for her children:\u00a0<\/span><\/p>\n

\u201cThe reason why I chose Dwi Emas is exactly because of their entrepreneurship and financial literacy angle. Every week, they have a Powerpreneur class that focuses on business in different aspects such as product development to branding.\u00a0<\/span><\/i><\/p>\n

It prepares our children for the future and gives them practical skills. This is something that I personally didn’t have growing up.\u201d<\/span><\/i><\/p>\n

Recognised as Malaysia\u2019s first entrepreneurial school, Dwi Emas International School is leading the way in providing their students with financial knowledge through entrepreneurship. Its <\/span>Powerpreneur Programme<\/span><\/a>, for example, empowers and nurtures students to experiment, innovate, and even launch their own creative business ideas. These skills can also be translated into how they deal with their personal finances in the long-run. This sentiment is echoed by\u00a0 <\/span>finance enthusiast<\/span><\/a> Suyin Ong, sales manager and former teacher at Dwi Emas International School, who highlighted that financial education must go beyond the academic fundamentals:\u00a0<\/span><\/p>\n

\u201cAnd beyond the academic side, there\u2019s the personal side of money\u2014how to delay gratification, how to grow money, how to manage spending, and how to make good decisions under pressure. Those skills require discussion and real world practice.<\/span><\/i><\/p>\n

So while there has been progress, I think there\u2019s still room for a more deliberate, structured effort to help young people feel confident navigating money once they step into adulthood.\u201d<\/span><\/i>\u00a0<\/span><\/p>\n

Reality check: It was never just about the money. It\u2019s about cultivating a life skill and money just happens to be one of the things we need to survive and thrive. How we manage it has everything to do with our mindset and behaviour. When students are exposed to these lessons, with the freedom to explore in a safe environment, they\u2019re not only learning about finances. They\u2019re learning how to think, problem-solve and ultimately build a future that\u2019s financially responsible and within their control.\u00a0<\/span><\/p>\n

The TikTok Generation of Finance<\/b><\/h3>\n

Let\u2019s take a step back and look at what\u2019s already out there. We know finance is confusing and most of us jump into it with zero idea on what we\u2019re actually doing because our friends are doing it so it seems right. Traditional options like speaking to financial consultants or budgeting coaches still play a role, but there\u2019s an alternative that\u2019s free, easily accessible and engaging: TikTok. And of course, Gen Z is already on it.\u00a0<\/span><\/p>\n

With tons of credible experts already sharing advice on the platform, it\u2019s become a go-to place for Gen Z to learn about money in a way that feels friendly, approachable and easy to take in. This opens up avenues for viewers to also seek advice from other newbies alike. <\/span>Gen Z has even coined their own financial language<\/span><\/a> like \u2018Loud budgeting\u2019, \u2018Doom spending\u2019, \u2018Soft savings\u2019, \u2018Recession core\u2019 and many more on the platform, rebranding the concept of money management with viral \u2018cutesy\u2019 terms. These trends or \u2018cores\u2019 may seem trivial at first, but they reflect how the current generation reframes finance through humour, relatability and community.<\/span><\/p>\n\n\n\n\n\t\n\n\t\n\t\n\t\n\t
Terms<\/strong><\/th>Definitions<\/strong><\/th>\n<\/tr>\n<\/thead>\n
Loud Budgeting<\/td>Openly declining certain purchases or events that are not within your budget. (source<\/a>)<\/td>\n<\/tr>\n
Doom Spending<\/td>Mindlessly shops to self-soothe due to feeling pessimistic about the economy and the future. (source<\/a>)<\/td>\n<\/tr>\n
Soft Savings<\/td>Prioritising the present well-being and enjoyment over long-term financial security and savings. (source<\/a>)<\/td>\n<\/tr>\n
Recession Core<\/td>A fashion and aesthetic trend that\u2019s minimalist, practical and focuses on high-quality, timeless pieces over flashy trends. (source<\/a>)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n

But, TikTok does have its own drawbacks. By balancing time limits, entertainment, and education, creators often <\/span>oversimplify complex financial topics which can lead to newcomers making risky decisions<\/span><\/a> that aren’t necessarily right for their situation. As a result, some may face serious financial consequences since the concept isn\u2019t fully grasped.\u00a0<\/span><\/p>\n

\u201cOur financial lives aren\u2019t one-size-fits-all, so the real work is understanding ourselves first. That means getting honest about our emotional tendencies around money such as how we respond to risk, what triggers fear or excitement, and what we genuinely enjoy spending on.\u00a0<\/span><\/i><\/p>\n

When we take the time to honestly know ourselves, we can optimise our choices instead of copying what we think we \u201cshould\u201d do.<\/span><\/i><\/p>\n

In short, optimisation helps us design a financial life that feels calm, intentional, and personal\u2014rather than reactive or driven by comparison,\u201d <\/span><\/i>shared Suyin Ong.\u00a0<\/span><\/p>\n

Malaysia\u2019s Initiative towards providing Financial Literacy\u00a0<\/b><\/h3>\n

So what has Malaysia been doing? <\/span>Prime Minister Anwar Ibrahim introduced a 5-year strategy to elevate financial literacy by 2030<\/span><\/a> that aims to equip Malaysians with the skills to manage money better, stay prepared for unexpected financial shocks and build long-term stability. Additionally, <\/span>university students are getting a free initial investment of RM50<\/span><\/a> and financial literacy tools from the Celik MADANI programme.\u00a0<\/span><\/p>\n

Basically, the government wants to make sure we have the money skills we should\u2019ve been taught earlier. We\u2019re talking about educational programs and other resources designed to help us make smarter financial decisions. At the end of the day, it\u2019s about helping Malaysians feel more confident and in-control of their finances.\u00a0<\/span><\/p>\n

Financial Literacy Starts Now<\/b><\/h3>\n

Financial literacy is no longer a skill we can afford to learn by mistake. <\/span>Do we all need to splurge on big purchases to recognise how one moment of excitement can turn into months of financial stress?<\/span> Financial literacy goes far beyond numbers. It includes the soft skills that shape our financial confidence, habits and sense of responsibility. That’s why introducing financial literacy and entrepreneurship classes in schools is so important. We need real-world money skills early on, so kids can see finance as something manageable, not intimidating. We\u2019re not just teaching them how to count their money but how to navigate life. Giving kids this foundation today is how we build a more financially empowered generation tomorrow. <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Most of us only start learning how money works after adulthood hits us with bills, debt, and hard lessons. As youth debt rises in Malaysia, the conversation around financial literacy is shifting earlier.<\/p>\n","protected":false},"author":80,"featured_media":69361,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,218],"tags":[3093,1163,3091,3089,772,660,766,3090,3092,3088],"class_list":["post-69356","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","category-money-management","tag-allowance","tag-financial-literacy","tag-financial-literacy-education","tag-financial-literacy-life-skill","tag-investing","tag-investment","tag-money-management","tag-money-management-skills","tag-personal-finance-skills","tag-personal-financial-planning"],"acf":[],"yoast_head":"\nFinancial Literacy Is A Life Skill, Not A Subject<\/title>\n<meta name=\"description\" content=\"Why do we learn money management too late? 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