Together, let's solve the Gen-Z 'Money Problem'.
75% of people under 25 are financially illiterate* ... 😱 😱 😱 ... (Don't be one of them!)
Yo… listen up, all you financially-capable 'Captains of Tomorrow’!
(Who, ME…??? Yes, YOU!)
If you...
are a young/smart/doing/thinking/newly-graduated Gen-Z'r who is
- Currently studying at college or university, or
- Within your first year (or so) of full-time employment, or
- Taking a gap year to stop... and think,
and who craves to take your first significant steps towards
better personal financial competency,
You’ve just found the right place
to do that!
If you...
worry about getting your financial life together but don’t know where to start,
are scared about making a huge financial mistake because you know just enough to be dangerous but don’t fully understand the details,
feel that there is so much to learn, but time (and money) is slipping by,
desperately seek an alternative pathway to working a 9-to-5 for the next 45 years,
want to get started with becoming financially capable, but don’t know who to trust,
have had enough of boring, old-fashioned classroom-style learning,
are excited about money but just need the right opportunity to get going,
are wary of sounding plain dumb (or even greedy!) when talking about ca$hola,
...then you owe it to your FUTURE SELF to read on!
Come and join the...
Learning to Fly Academy’s
Gen-Z Personal Financial Competency Mastermind Community
Within this private, mentored Mastermind-centred online Group:
- Experience your very own personal financial revolution within a safe, private community of your peers,
- Learn all the basic stuff about income, budgeting, investing, taxation, superannuation (and much more)... but no one showed you yet!
- Share and discuss the best stories, content, and ideas about money and finance for YOUR age and stage,
- Push and pull each other financially forward. Together.
Did you know?
...that a 2019 survey* found that less than one in four Australians under 25 have even a basic level of financial understanding and literacy (ABC News).
"Really? What's the big deal?"
When it comes to money, most of us are never taught much.
The sad fact is that vocabulary, strategies, options, and the good and bad habits of money are things that we might learn something about as we go... but probably not very well.
And, even more likely, through big but avoidable MISTAKES!
There are many reasons why it is difficult for most people to learn about money, including:
- a lack of access to, and trust in, the right information,
- missed opportunities,
- not knowing where or how to start,
- lack of exposure at home (yep - your parents weren't taught either!)
- over complexity and poor delivery.
Our existing education systems ("thanks for nothing, high school!"), corporate institutions and other potential resources also fail us, neither understanding our needs nor preparing us properly for the real world.
Most people simply have no choice but to ‘give it a go’ -- often with dire consequences.
Ordinary, everyday people frequently overspend and cannot make ends meet, be resilient to the inevitable bumps, or increase their wealth, regardless of how much they earn.
A lack of financial literacy leaves people like you fearful and vulnerable to the well-oiled and commercially-motivated economic machine we all live in.
In some cases -- and already by early adulthood -- this lack of financial competency combined with "innocent inexperience" of how the real world of money works becomes very costly and sets them up for the inevitable long-term stress of unemployment as well as life-long financial and lifestyle shocks.
I was there once myself...
April 2016. An ordinary Friday afternoon. Company HQ.
All the employees were ushered into a hastily-called meeting where the entrepreneur-founder announced that the Company I worked for had just been charged with causing historical but substantial environmental damage.
He went on to say,
"These government schmucks are just trying to scapegoat me."
"They’ll probably be a right-royal pain in my a$$...but if you all just carry on with ‘business as usual', everything will work out fine --
-- just you wait and see!"
(So you can see it coming, right?) 😉
Fast-forward one year: customers were running for the hills, the Company was liquidated, and was later found guilty of causing the damage.
For me, my job was suddenly gone.
What followed next was 18 months of unemployment... but I still had a family to support!
"What was I going to do?" I needed a minor miracle.
I decided to immediately double-down financially and try to "outwit/outplay/outlast" the inevitable crash.
Luckily, I had many years of general financial knowledge and experience to call upon, which told me that I needed to simultaneously...
- Slash expenses, and
- Find some extra income...fast!
The surprising outcome?
A long 18 months later, I finally found a new job, in a different industry, with fewer hours, that I wanted to do...instead of one I had to do!
"Yes! we were able to survive financially!"
How on earth did this happen when, at the time, we couldn’t see how this was possible?
Honestly, there wasn’t a single, all-illuminating moment that 'saved the day' -- in fact, quite the opposite.
Looking back, it was clear that the stockpile of skills, decisions and actions that led to this outcome had been learned step by step over many years -- a bit here, and a bit there.
"My knowledge and skills had been
compounding slowly, but surely..."
Sure, much of this stash of experience was hard-won, and I made some big, expensive mistakes along the way.
But I heeded those lessons and kept learning...
"... and I was ready when the
big moment finally arrived!"
"But what has any of this got to do with ME?"
Okay, YES… you’re a bright, young adult who has recently claimed independence, pride, and initial direction in your life.
BUT… you also have a sneaky, gnawing, and uneasy feeling that you should be doing something better for your future and with your hard-earned money!
Instead, don’t you wish you could...
Know what to do, no matter what life/politics/the economy throws your way?
Set yourself up for a lifetime of financial security, success, control and peace of mind?
Avoid making silly financial mistakes due to 'innocent inexperience'?
Lean on others in a similar situation to you when motivation is low and times are tough?
Embrace the ‘adulting’ growth experience with like-minded, same-stage peers in a safe, empathetic and acceptant environment?
And yes, build a movement of opposition to the standard career/mortgage/death pathway, and instead unlock a vibrant, alternative reality?
"Okay, so maybe you're onto something.
What do you suggest I do?"
It's simple: Take Action. Join us.
As one of the Eight Pillars of Human Wellness, financial competency is a must-have for everyone to enjoy a lifetime of financial wellbeing.
The Learning to Fly Academy's Gen-Z Mastermind Community brings together:
- young/smart/doing/thinking/newly-graduated Gen-Z'rs who crave to take their first significant steps towards better personal financial capability to...
- successfully learn, share stories and experiences, and collaborate around great content and ideas that inspire and push each other forward.
We'll do together what is essentially impossible to do alone.
"So how does this all work?"
The fundamental idea is this.
FIQ + FEQ ► Financial Competency ► FWQ
- Financial Intelligence Quotient (FIQ) is your amount of financial knowledge; the details of topics like income, budgeting, taxation, superannuation, investing, insurance, etc., as well as your financial literacy (knowledge of 'the language of money'),
- Financial Emotional Quotient (FEQ) is your financial attitudes, behaviours, and habits, including your financial goals, risk appetite, level of interest, use of debt, timeframe, intuition, etc.,
- Financial Competency (or Capability) is your journey to convert knowledge into practiced skills that you can use in your life to improve and grow your financial situation, and
- Financial Wellness Quotient (FWQ) measures how well you can live stress and anxiety-free due to an abundance of financial security and resilience. This is the ultimate goal!
Luckily, these are all measurable things! Tracking your FIQ, FEQ, and FWQ progress is the only sure way to tell that you are getting somewhere ("you can't improve what you don't measure").
In words, by developing your Financial Intelligence Quotient (FIQ) and Financial Emotional Quotient (FEQ), your overall Financial Competency (or Capability) will improve and ultimately raise your Financial Wellness Quotient (FWQ).
To develop both your FIQ and FEQ, the Learning to Fly Mastermind itself is broadly designed to address these "Three Pillars":
Know - the Knowledge (such as Language/Definition) -- the 'what is it?' theoretical content, arranged by themes and topics
Do - developing Skills/Experiences through practice and implementation -- including discussion, action steps, role plays (yes, we're going to practice job interviews and salary negotiations until you are bangin' it!) and quests to crystallise the learning and promote understanding. This is the practical context of FIQ and builds your competency -- the ‘how to?’ of deploying Knowledge in real life,
Become - the all-important Mindset (things like personal Behaviors, Values, and Attitudes) -- these are the necessary financial ‘soft skills'; cognitive behaviours that support financial success (critical thinking, impulse control, mindset), set up the basis for success (goals, plans, habits, etc.), and support encouragement and accountability from your peers in the included community setting.
It does not matter how slowly you go as long as you do not stop." - Confucius.
"Right -- you've sold me. But now I want some deets!"
When you join the MyNimbleNoggin.com network, you'll get:
- Access to the private Learning to Fly Academy's Gen-Z Mastermind Community
-
A Monthly 60-minute live online Mastermind session (via Zoom):
- 20-minute themed presentation (learning content),
- 35-minute story-based discussion and analysis of the themed topic,
- 5-minute summary, actions, reminders and next month's preview,
- A new theme every month. Sessions are recorded.
-
Unlimited membership of the MyNimbleNoggin.com online community gives you:
- An Android or iOS app to ensure you never miss a beat!
- Access to the Monthly live online Mastermind sessions,
- Access to recordings of past Mastermind sessions,
- Access to community collaboration, including:
- Bonus content posts (to level-up your knowledge faster!),
- Comments and discussions (aka the 'Community Superpower'!),
- Messaging (1-1 and group chats),
- Events calendar (for live online and in-person meet-ups),
- Polls, questions, and quizzes (to help you feel included!),
- Challenges and Quests (to engage and reward your progress!).
- Access to ask, discuss, and get answers to your specific questions from peers, hosts, mentors and others.
The Learning to Fly Academy Mastermind is scaffolded into several FIQ tiers that cover a wide and ever-increasing range of core and specialist conceptual themes.
-
Foundations of Personal Finance Competency (Success!) including:
A 'Where-Am-I-Now?' snapshot
Setting up and tracking your financial 'vital signs' -- including making a start on your personal Blueprint/Roadmap and Financial Code
Setting your personal and financial goals
Budgeting -- income, expenses, and savings
-
Intermediate Personal Finance Competency (Accelerate!) including:
More complex personal and financial goals
Budgeting for your financial future, immediate security, and resilience today
Credit and debt
Cars -- a million-dollar choice!
A roof over your head -- should you rent, buy, or something else?
Compounding and inflation
Government benefits
-
Advanced Personal Finance Competency (Warp Speed!) including:
Taxation
Superannuation - including a case study (my Super!)
Investing 101 -- including gambling vs. speculation vs. investing, 'the market', classes and marketplaces, dollar-cost-averaging, leverage, risk vs. reward, sources and costs of professional advice, diversification, timing vs. time-in, investing approaches... and more!
Investing in shares
Investing in property
Investing biases (including FOMO!)
Insurance, contracts, bankruptcy, liability, PoAs, and the law
Scams and risky investments -- including crypto, NFTs and the 'wilds'! (And why you'll be glad you already have a personal Blueprint and Financial Code!)
Retirement -- is this even a thing? What about longevity-hacking?
Death, wills and EPoAs
More and alternative sources of income (including side hustling, career hacking, job interviewing, and salary negotiations)
'Millionaire' Monopoly®, Cashflow®, and other financial games
Investing structures
and much, much more!
"This all sounds a bit too good to be true! Is there some kind of 'new secret' here?"
Hell yeah!
(But, pssst - you wanna know the secret?)
Hint: you're part of it!
Okay, okay -- the Secret Superpower of any successful personal transformation and growth is
It's a fact!
Community is the single best way to:
Navigate and even thrive in times of uncertainty and chaos,
Build new, powerful and lasting practices and personal habits, and
Pursue personal transformation to become the BEST version of yourself.
And, as a member of the Learning to Fly Academy's Gen-Z Mastermind Community, you’ll have INSIDER ACCESS TO THIS SUPERPOWER in sooooo many ways!
Why? How?
Because you'll get to do cool things, like:
gain courage and support from your OWN PEEPS to transform your life,
debate the BIG questions everyone has but is TOO AFRAID to ask,
build a richly-rewarding community to be PROUD of,
discuss all kinds of perspectives about how to set up and manage your finances to discover which ones are the right PERSONAL FIT,
be ACCOUNTABLE to yourself and others.
And you simply can't get this SUPERPOWER on your own!
"Alright, so let me just dream a little.
Are you telling me... that within a year or so, I could snag one or more of these 20 fantastic achievements?"
Yep -- that's EXACTLY what I'm telling you!
How good would it feel to have:
- Connected capability, wisdom AND permission to unlock a different financial trajectory than what everyone else accepts is ‘normal’ and ‘inevitable’,
Learned and applied new insights and ways of practising financial skills quickly, efficiently, and better, and learned to control your money and have your money working for you (not the other way around!),
Caught up and ‘become good’ at this critical life skill before it is too late,
Cut through the chaos and noise of all the stuff on the internet to save time, stress, and anxiety by learning just what you need…and nothing that you don’t!
Busted financial myths, vulnerability, anxiety, and helplessness by evolving a sense of what is financially good, bad and ugly,
Created, understood, and tracked progress in your Net Worth,
Set your course towards early Financial Freedom,
Written your Financial 'Blueprint' (or 'Roadmap') according to your OWN purpose, passions, and goals so that you know where you are going financially,
Written your 'Code to Financial Decision Making' according to your OWN VALUES so that you know how you're going to get there, and have a plan to act or pivot when upsets inevitably come along,
"Walked the Financial Talk" with competence and confidence,
Accessed the 'Superpower of Understanding': learning by teaching (as a team leader or even a paid mentor?),
Busted that barrier! Speak confidently about money and finance within a trusted, like-minded Group,
Explored and figured out what financial competency and wellness mean to you,
Reduced your reliance on others (including your parents and Centrelink)
Developed a greater sense of appreciation and perspective and busted the entitlement myth,
Shaped your future and the world you live in as an informed, educated and empowered influencer,
Been challenged and exposed to new, alternative, little-known and cutting-edge information, perspectives, developments, and creative ideas,
Pre-empted financial trouble and effectively deal with it before it gets out of hand,
Earned back life's most precious non-renewable resource: TIME!
And, most importantly…
20. You Got Your Money Sh!t Together!!
Imagine what you'll be able to do with your life when worrying about money isn't occupying 95% of your brain space!" -- I made this up myself
(✨ Go on - dream even further! ✨)
Alright. You've got questions? We've got answers!
"Why should I listen to you?" (About your host.)
(Embed interview-style video)
"Remind me again how the Mastermind program works?"
- You'll join an online Community Cohort of like-minded peeps at (more or less) the same financial stage as yourself,
- Once a month, you'll participate in a live online (Zoom) Mastermind session, comprising a presentation and story-based discussion, divided into different topics and experience tiers ("the more you grow, the higher you'll go!").
- In between, you'll be as active as you want to be within the online and private Learning to Fly Community --- this is where the 'superpower' content, Q&A, polls, info, chat, discussion and debate, quizzes, challenges and quests, bonus live and recorded webinars, etc.. will be hosted!
"Why should I pay for this membership?"
"Can't I get all this stuff for free?"
Just the info? Yep, sure.
But the structured program, live experience, mentoring, accountability, and 'Community Superpower' effect...? Hell no!
Besides, it's actually a good thing that you pay to be part of this program.
"Bollocks!" I hear you say. "No way, you're just trying to screw me for every last penny!"
Not true! Why?
Because -- and it's a fact -- that people who pay to be a part of something are more focused on that thing they paid for, and THEREFORE GET THE RESULTS THEY WANT!"
-- Gina Bianchini, Founder of Mighty Networks.
So there you have it. Don't believe me? There are university studies that prove it. But deep down, I suspect you know it's true.
"What is story-based discussion?"
Did You Know? -- the human mind is already fully wired to listen and learn from stories.
Don't believe me again? Despite there also being heaps of university studies that prove it, just think of our own First Nations people. Storytelling is the beating heart of Indigenous culture as it is the primary way in which their history has been recorded. As an aid to learning, communicating, and remembering, story works.
As much as possible, the Learning to Fly Academy will use and encourage the Power of Story to help make the tricky stuff become remarkably crystal clear!
(And finally...)
Why you need to act, like, YESTERDAY!
The best time to plant a tree was 20 years ago. The second-best time is now." -- Chinese Proverb
Did you know?
...that if you saved and invested an easily missable $1 every day, in 40 years time your $14,600 investment would have grown to more than $36,000?
And this will bring you around $1,500 of passive income
per year, every year, for the rest of your life?
(That's in today's dollars! A return flight to the UK? Every year? Yes please!)
So, if you want to:
- learn to live debt, stress, and financial anxiety-free... and sleep peacefully every night
- be in control of your own financial destiny
- live a life of flexibility and choice
- become financially independent and ‘retire’ early
- choose your career, job, and how you spend your time
- live in the service of others rather than just yourself
- be a positive contributor to your family, community, and the world
It's a no-brainer!
~ Come and Join Us! ~
Time is money!" -- Benjamin Franklin
>> TODAY! <<
Powered by MyNimbleNoggin.com, the Learning to Fly Academy’s Gen-Z Mastermind Community offers a brand-new way of effectively learning about personal money and finance...
that meets you right where you are!
We acknowledge First Nation's people as the traditional custodians of the land on which we meet, work, play and live. We pay our respects to their ancestors and Elders past, present and future. "Always Was, Always Will Be"
The information contained on this website, and anywhere else within the MyNimbleNoggin.com network, has been provided as general advice only. The contents have been prepared without taking account any specifics of your personal objectives, financial situation, or needs. You should, before you make any decision regarding any information, strategies or products mentioned on this website, consult your own financial advisor to consider whether that is appropriate having regard to your own objectives, financial situation and needs.
We attempt to remain fully compliant with and operate within all local laws regarding the provision of financial advice, specifically as regulated by ASIC (Australia) and in the US.
We are a safe, private, family-based organization that remains independent and apolitical, and will never run advertisements, accept commercial partners, or recommend specific financial products to you. Our only source of income is from our own highly-valued members.
*2019 Household, Income and Labour Dynamics in Australia (HILDA)
