In a swipe economy, the problem is not overspending; it's underestimating the value of money, which leads to disconnection. Consider a teen who buys a game skin online, feeling exhilarated at first. However, as the initial excitement fades, they're left pondering whether the instant gratification was worth the loss of savings for something more meaningful. One impulsive purchase can mean three weeks of savings lost for something that truly matters. Teens rarely feel that trade-off; yet the sting of missing out lingers.

Disconnection with the self is quite common during these years. Their choices aren’t clear, i.e., why are they spending money on the gaming app, or why are they listening to the guy on social media, or lifting money from dad’s wallet? They have disconnected from their priorities, choices, and from the consequences. Teens are growing up fluent in transactions but unfamiliar with consequences. They work effortlessly with digital wallets and UPI, but not what it costs emotionally to choose. 

So when parents say, “What will happen when they’re on their own?” What they’re really asking is:

“How do I prepare my child for decisions I won’t always be there to guide?”

Although a few schools have integrated financial literacy, most schools don’t offer it. And this knowledge, too, is bound to fail, because money skills alone do not work. 

What most financial education skips is this:

• Why spending feels empowering

• Why comparison drives choices

• Why saying “no” feels harder than it should

Until teens understand their own emotional relationship with money, no rule, allowance, or lecture truly sticks. Hence, there will be no behavioral change in teens. This is why well-meaning parents feel torn. They're told to 'let teens be adults,' while instinctively knowing their child isn't ready for adult-level decisions yet. That hesitation is not weakness; it's wisdom that can be framed as scaffolding. Offering temporary support through guidance reassures parents about their important role without rescuing teens from learning their own lessons. Empowering their growth is the goal, ensuring that as the scaffolding gradually comes down, teens are ready to stand on their own.

This is exactly what we unpack in the live masterclass:

It’s designed for parents who want to:

• Move beyond rules and guilt.

• Learn why your teen makes the financial choices they do.

• Guide them towards independence through better conversations. 

Because when your teen truly understands their choices, they gain independence, and you gain peace of mind.