The Kids Finance Initiative is UAE’s leading
provider of financial education for teens. Over
the last 4 years we’ve taught over 3,500 teens
how to make smarter money decisions. We’ve
partnered with some the biggest and most
respected institutions in the region and have
been regularly featured in the national press.
At KFI, we aren’t just experts in financial
education for teens, we are also experts in
teaching this to them in a way that they love
to learn.
By conducting in-depth programs and not just
workshops, we build a deeper understanding
of the various topics we teach. By engaging with
parents, we ensure that the kids’ cycle of learning
is deeper. By building relationships with the teens,
we instill in them a curiosity for learning that will
outlast our interaction with them.
We want to see a world where more teens are
equipped with the financial education skills
they need so they don’t repeat the money
mistakes of our generation, so they can step up,
play full out and live a life on their own terms.
That’s our promise…
$MARTER, RICHER, BRAVER teens.
Because that’s exactly what the world needs.
Some of our partners include:
Who We Are

3 Reasons Why It’s
So Hard for Teens to
Learn About Money
1. Schools Don’t Teach It.
Neither do high schools, colleges or even business
schools for that matter.
And when schools do attempt to teach personal
finance, they do it in a way that most students find
mind-numbingly boring.
2. Parents Don’t Talk About It.
Teens don’t know that they don’t know about
money.
Mainly because of the first two reasons
mentioned above, most teens are clueless about
the need to learn about how money works.
They have no idea how critical this skill is for their
future success and wellbeing. They are so focused
on getting good grades so that they can get into
good colleges, so that they can get a good jobs
that pay well. They are clueless though, about
how to manage that paycheck intelligently.
They don’t realize that they will be tested on this
skill everyday of their adult lives, from graduation
to retirement.
3. It’s An Unconscious
Incompetence
Most parents haven’t had formal training in this
subject. They learnt the hard way, through trial
and error and by making expensive mistakes.
And when parents do attempt to teach their kids
about money, they are guilty of doing it in ways
that teens find mind-numbingly boring. (See the
pattern here?)
In addition most parents also pass along their own
money biases to their kids, that at best don’t serve
their kids, and at worst are actively detrimental.

3 Useful Things to Recognize
3
That the steps and action you take today will
dramatically affect your teens financial future.
The earlier you start, the better it will be for them.
Contrary to popular belief, it not boring or difficult,
it doesn’t take years to learn and you begin to see
results almost immediately. Research shows
that kids who take
a course in financial
education are more likely
to save, less likely to be
compulsive buyers and
less likely to max out
their credit cards.
Research also
shows that just 10
hours of a financial
education program can
significantly affect a kids
spending and saving
habits..
1
2

Our Methodology
We’ve taken the normally dry, boring financial
education curriculum and flipped it on its head to
create program that’s simple, fun and immensely
relatable to teens.
It’s based our 5 step blueprint that lays the
foundation for remarkably effective and enjoyable
program.
RECOGNIZE:
1
We need to ensure that as educators or parents,
we recognize this gap in their knowledge and the
bias in their thinking. This goes a long way in
understanding and empathizing with their initial
lack of interest or initiative in learning about the
topic of money.
We take the time to explain why this skill is so
critical for their future success and wellbeing and
why it’s imperative they learn it now. When kids
know why they have to learn something and how
they will benefit, they are much more motivated to
learn. Self interest kicks in and they try harder, and
keep at it longer.
REASON:
2
We take time to build a relationship with them.
Kids, irrespective of their age, don’t have a
favorite subject, they have a favorite teacher.
If they love the teacher, they love the subject
and unfortunately the reverse is true as well. We
also make the content relevant to their lives now.
RELATE:
3
We don’t just focus on financial knowledge but
also on financial behavior and mindset, which
are arguably as important. The confluence of
these three aspects- knowledge, behavior and
mindset — underpins a truly effective program.
RAISE:
4
Student reflection an integral part of the learning
experience and unfortunately is too often left
out of the equation. We are intentional about
including it. We know this is crucial for students
to be able to develop insights and to be able to
think critically about the subject.
REFLECT:
5

Teen Millionaire Program
If you want your teen to be rich it’s crucial they understand how money works - from
saving & spending wisely to budgeting & investing This program will transform the
way your teen thinks about money and teach them everything they need to know
in order to become rich - without depending on luck.
PROGRAM HIGHLIGHTS:
World Class Training
Interactive web classes
Personalized Feedback
Guided Mentoring
Tools & Resources
Focus on Implementation
Simple Fun & Relatable to Teens
5 Star Rated

TOPICS COVERED:
Common
Money Mistakes
Understanding
Credit
Needs Vs.
Wants
Money
Management
Styles
Millionaire
Mindset
Learning to
Budget
Types of
Investment
Ready, Set…
Invest
Avoiding
Dumb Investing
Mistakes
Developing An
Investor Mindset
Avoiding the
Debt Trap
Understanding
Risk & Potential
The
Importance
of Diversification
True Wealth

Teaching kids about money is never just
about money…it’s about character and
responsibility.
This specially crafted online program will
change and challenge the way your kids think
about money while teaching them how to
manage their money smartly and responsibly.
The dynamic and engaging sessions and
personal familiarity of the live coaching
classes not only help kids learn faster and
remember better but also motivates them
to engage in deep learning that builds their
financial awareness.
This one program will save your kids more
than a million dirhams over the course of
their lifetime.
Money Mindsets
Growing Money Over Time
Making Choices With Money
How Should I Spend My Money?
Wants Vs. Needs
Ways to Pay
Budgeting
Kid Millionaire Program

“I highly recommend the
fabulous Marilyn and Kids Finance
Initiative.
My 3 teenagers really benefited
from the learning in this Supermind
course – we don’t teach this in
schoolsin the UK!”
V. DESAI
“Ava enjoyed the course
and shared her learning
with much enthusiasm. I really
think what you are doing is great
and I wish you much success.
Do forward any further course details
and I will recommend amongst my friends.
With regards to the weekly update sent
by the KFI educator: Really useful
updates that allow for family
discussion.”
Heidi-Mai Warren
“Thank you Marilyn
and TECOM for such a wonderful
program. My son David has really
benefited from the classes.
What I have been trying to teach him
for 14 years, Marilyn - you have
done in 5 days.”
K.V
“These courses have been
absolutely amazing! I’ve seen
my daughter being inspired and
interested in the topics and concepts
where she ‘on her own’ explores!
Marilyn, thank you so much for being
an inspiration to this generation.”
L. SANDIFORD
“An excellent course. My 14 year
old son learnt a lot of vital financial
lessons, that he might have been
reluctant to hear from his parents!
Highly recommended.”
B. CLIFTON
“Thank u very much Kyla
and Marilyn for this great
opportunity. The course info was
unlike anything u would expect to
be taught to a 9 year old.
Thank you ! My son learned so much about
money and a lot of new terminology
and feels empowered and is proud
that he can engage in more adult
conversations.”
NESRINE
“Thank you Marilyn. My
children were really impressed
with your class and look forward
to attending your next program.
They have learnt a lot and they realized
the real value of money as they are now
able to practice.
Looking forward to signing them
up for the next program.”
L. FERNANDES
Parent Testimonials

“Now that I have attended the
Teen Millionaire program, I will use
compound interest to its fullest by
earning it, not paying it.
I will pay off my credit card in full every
month as well as ensure that I have an
emergency fund whilst trying to live
below my needs.“
BEN (17 YEARS)
“My dad forced me to come
and I was convinced I would
be bored and hate it.
But this was unlike anything I
expected, the teachers were amazing
and introduced us to concepts in way
that was so interesting.
I’d love to come back for the next
program soon.”
ZAIN (14 YEARS)
“As a result of the Teen
Millionaire program I will make sure
I have an emergency fund and begin to
check all of my credit card statements.
I will make sure I put money aside for
my savings before spending on my
needs and wants.”
YARA (18 YEARS)
“In the SUPERMIND
program, I learnt a lot of study
skills which I am sure will help
make me do better on tests and make
me not hate school that much.
I would definitely recommend both these
courses to anyone. Thank you very
much Ms. Marilyn.”
MOSTAFA (16 YEARS)
“Based on the things I have
learnt in the Teen Millionaire
program I will be able to avoid
getting into credit card debt.
I will also be able to look at my spending
and realise where I need to cut back.
I also know that investing rather than
saving is the better way to grow
your money ”
CAITLIN (18 YEARS)
“This course has
taught me many things
like the importance of
living within your means, the
relationship between money and
emotions and the concept of interest.
Also I now know how to budget my pocket
money better as before I would just spend
it. Most importantly I realise that not
everything has to do with money
especially when you learn
how to manage it.”
SEIF AMR SONBOL
(13 YEARS)
“Until I attended the Teen Millionaire
course, I never realized how clueless
I was about money. I’m so glad my
mum signed me up!”
SAMMY (15 YEARS)
Teen Testimonials

KFI In The News

KFI In Action

Why Us?
3 Reasons to Work With Us
1
2
3
We aren’t just experts in the field of financial education for
teens, we are also experts in teaching this to them in a way
they love to learn.
We work independently of any financial organization and as
such will never sell or promote any financial products to the
teens in our care.
Our programs aren’t based on theoretical knowledge that
the teen will get to use sometime in the future. We give them
relevant, actionable takeaways that they can implement in
their lives now.

As featured in
www.kidsfinanceinitiative.com
+971 55 108 4499
Email :
Website :
Tel :
info@kidsfinanceinitiative.com