MARIE CLAIRE - FUTURE SHAPERS AWARDS 2019 🥂 - SPEECH by Alice Tapper



“Money isn’t everything. Not having it is.”


&


“Whoever said money can't solve your problems

Must not have had enough money to solve 'em”



The questionable financial wisdom of Kayne West and Ariana Grande



Money touches just about every aspect of life.


It’s unsurprising therefore that how we spend, earn and think about it are prominent themes in music and pop culture more broadly…


Money matters and it always has.



To quote Oscar Wilde “When I was young I thought that money was the most important thing in life; now that I am old I know that it is.”



But aside from picking up the (sometimes dubious) financial wisdom of our favourite hip hop artists, how should we really learn about it and get to understand how to make good financial decisions?



Maybe you were lucky enough to have parents who taught you the basics. But most don’t. Financial literacy shouldn’t be a privilege we’re lucky enough to inherit.



Because this isn’t just an education problem, it’s a social issue too.



The research is clear, financial literacy not only makes us better savers and less likely to fall into problem debt, but financial illiteracy can also account for a significant proportion of wealth inequality in society.



Progress is being made. In 2014, financial education was made a component within the “citizenship” element of the national curriculum, but teachers are under resourced, meaning the number of children receiving a financial education remains low and time spent on the subject, falling.



And the responsibility does not fall solely on the education system… financial services and regulators need to be protecting consumers, ensuring that they are equipped with the right, CLEAR and SIMPLE, information, when they need it, throughout their lifetimes.



I started Go Fund Yourself with the aim of raising these issues whilst, at the same time, helping make money more relevant to my generation.



I am so grateful to Marie Claire for this honour and recognising the importance of this issue. Thank you so much.



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