# The Early Money Lessons That Build Generational Wealth w/ Mac Gardner

Page: https://stenobird.com/podcast/mitlin-money-mindset-1317779/the-early-money-lessons-that-build-generational-wealth-w-mac-gardner
Text version: https://stenobird.com/podcast/mitlin-money-mindset-1317779/the-early-money-lessons-that-build-generational-wealth-w-mac-gardner.md
Podcast: [Mitlin Money Mindset](https://stenobird.com/podcast/mitlin-money-mindset-1317779)
Published: 2026-03-04T08:00:00+00:00
Episode link: https://mitlinmoneymindset.libsyn.com/the-early-money-lessons-that-build-generational-wealth-w-mac-gardner
Audio file: https://traffic.libsyn.com/secure/mitlinmoneymindset/MMM_E279_Final.mp3?dest-id=2366330
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JSON: https://stenobird.com/v1/public/podcasts/mitlin-money-mindset-1317779/episodes/the-early-money-lessons-that-build-generational-wealth-w-mac-gardner
Duration seconds: 1927

## Resource

Money habits start forming long before most families ever talk about them. The result? Teens and adults who only know how to spend or save and miss everything else money can do. That's one reason Mac Gardner, founder of FinLit Tech, created interactive tools to teach families financial literacy. In this episode, we discuss his book The Four Money Bears, why so many parents avoid money conversations, and how early exposure shapes lifelong habits and generational wealth. Plus, find out how advisors can help close the gap, reach more families and bring more diversity into the industry. Topics discussed: Introduction (00:00) The entrepreneurial journey and founding FinLit Tech (01:35) Why financial literacy is so important for kids and families (03:49) How financial education is lacking in schools (05:38) Financial education tips and tools for young children (08:24) The three Rs of learning money and the four money functions (10:42) Building generational wealth through education and habits (12:31) Mac's book, The Four Money Bears (15:54) How gamified learning makes money more tangible (18:38) Working with E-Money to create a CFP board CE course (20:47) Diversity in the financial planning industry (23:00) What brought you JOY today? (27:40) If you're a writer who wants to take control of your finances, read Mitlin Financial's Write Your Financial Future: A Financial Guide for Authors : https://www.mitlinfinancial.com/insights/blog/write-your-financial-future-a-financial-guide-for-authors/ Resources: Sending your child to college will always be emotional but are you financially ready? Take the College Readiness Quiz for Parents : https://www.mitlinfinancial.com/college-readiness-quiz/ Doing your taxes might not be enJOYable but being more organized can make the process less…

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