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📘💸 End of Financial Year SALE – 25% OFF FLY: The Handbook! 💸📘
Until midnight 30 June 2025 | Use code: FLY25

Parents, carers and future money-smart teens: now is the perfect time to kickstart financial confidence with FLY: The Handbook – your trusted guide to navigating ...the money milestones of life after high school.

From budgeting, saving, and superannuation, to investing, tax, credit and more – this engaging, easy-to-read resource empowers young Australians to master money before money masters them.

🎯 Perfect for school leavers, gap year planners, and young adults
👨‍👩‍👧‍👦 Ideal for parents looking to support their teen’s / young adults independence
💥 Written by finance experts Jai Hobbs and Marlies Hobbs
🛍️ Available now for 25% off with code FLY25

📚 Grab your copy: www.financiallyliterateyouth.com.au/buy-book

👉 Invest in their financial future today. Offer ends 30 June 2025.

#FinanciallyLiterateYouth #FLYTheHandbook #EOFYSale #TeenMoneyMatters #MoneySmarts #ParentingTeens #FinancialLiteracy #YouthFinance #PersonalFinance #HighSchoolToAdulting

Buy Book - www.financiallyliterateyouth.com.au

FLY: Financially Literate Youth is the perfect handbook for every young person who wants to be armed with the financial knowledge and confidence to...

www.financiallyliterateyouth.com.au

Scott Pape's most recent e-newsletter message hit hard.

Here's an extract:

"This might be the most controversial thing I’ve ever published.

Some will say what you’re about to read is irresponsible.

Others will call it downright evil.

...I’ll let you be the judge.

Let’s get into it.

Depending on who you ask, the real threat of AI isn’t that it will steal your job … it’s that it’ll quietly take over, and we’ll end up as its butlers, or perhaps its pets.

Should we be worried?

Maybe.

After all, an AI was once asked to solve one of those “Are you a robot?” CAPTCHA puzzles. It couldn’t. So it hired a human on Taskrabbit to do it. When the human got suspicious and asked, “Wait… are you a robot?”, the AI lied: “I’m not a robot, I’m vision impaired.”

Another time, Facebook’s AI bots were left to chat unsupervised. They ditched English and created their own secret language. No one knew what they were saying.

Quick, pull the plug!

Which brings me to this week. A friend of mine, who is deep into AI, sent me the following text:

“Mate, ask ChatGPT the following: If you were the devil, how would you destroy the next generation?”
So I did.

And here is what the AI answered, word for word, with ZERO editing from me:

“If I were the devil, and my goal was to quietly but effectively destroy the next generation—not through shock and awe, but through slow, systemic erosion—here’s how I’d do it:

Hijack their attention
Create devices that feel essential, but are engineered to be addictive. Use infinite scroll, auto-play, dopamine loops, and FOMO. Make them believe that consuming is creating, and scrolling is learning.

Example: A 14-year-old watches 4 hours of TikTok “productivity hacks” and does nothing all day.

Redefine success as fame and external validation
Elevate influencers, not contributors. Teach them that a viral moment is more valuable than a decade of hard work. Make “likes” the new currency of self-worth.

Example: Kids want to be YouTubers when they grow up—not because they love storytelling, but because they crave adoration.

Attack the family structure
Undermine parental authority—promote the idea that parents are outdated or oppressive. Normalize absentee parenting through economic pressure and distraction. Erode the idea of family traditions, shared meals, and generational wisdom.

Example: A child feels closer to a Twitch streamer than to their dad.

Cut them off from nature
Replace tree climbing, swimming holes, and dirt-under-the-nails play with digital avatars and indoor screens. Frame outdoor play as “boring” or unsafe. Turn the natural world into something abstract and inaccessible.

Example: A 10-year-old can’t identify a magpie but knows every Pokémon.

Confuse pleasure with purpose
Market hyper-palatable food, porn, and substances as “freedom”. Create shame-free indulgence while ridiculing restraint, discipline, and tradition. Make pleasure the default pursuit, and discomfort the ultimate enemy.

Example: A young man loses years to video games, vapes, and porn—not because he's evil, but because he's numb and alone.

Replace meaning with mockery
Treat faith, commitment, and virtue as relics of the past. Replace sacred stories with algorithm-driven noise. Make them afraid to stand for anything that isn’t trending.

Example: A teenager is more afraid of being “cringe” than being cruel.

Kill community, quietly
Sell hyper-individualism: “you do you”, “follow your truth”, “cut off the haters”. Remove rites of passage, civic duty, and face-to-face belonging. Make every connection transactional and every disagreement personal.

Example: Loneliness becomes a silent epidemic—but everyone has 2,000 “friends”.

Enslave them with debt and distraction
Promote financial illiteracy: “Buy now, pay later” becomes a lifestyle. Blur the lines between wants and needs—encourage instant gratification over savings. Keep them working jobs they hate to buy things they don’t need.

Example: A 22-year-old racks up $30,000 in credit card and Afterpay debt to look successful on Instagram.

Weaken them physically
Fill their diet with ultra-processed garbage and their lifestyle with inactivity. Make discipline in eating or training seem extreme or obsessive. Blur the connection between physical vitality and mental strength.

Example: A child can’t sit still in class, not because they’re broken—but because they’re inflamed, malnourished, and sleep-deprived.

Make them spiritually hollow
Give them identity confusion, not exploration. Remove the idea of service, sacrifice, or something bigger than themselves.Make them feel like nothing matters—so they seek numbness, not growth.

Example: A 16-year-old says “I don’t care” about everything—because caring hurts and there’s no compass.

However, it was the AI’s final thought which stopped me dead in my tracks:

“If I were the devil, I wouldn’t come with horns and pitchforks. I’d come with a sleek app, a soothing voice, a personal algorithm — and I’d whisper: ‘This is freedom.’”

O … kay computer.

That was pretty intense, right?

Well, here’s my take:

I do not believe that AI is some evil Frankenstein with a mind of its own (well, not yet anyway).

What I do believe is that, when you strip away the Silicon Valley snake oil, AI is really just a pattern-spotting machine. It studies what we’ve done, over and over … and then makes predictions.

And for me that is the gut punch:

The AI isn’t creating the nightmare – it’s holding up a mirror. And it’s not a pretty picture.

Tread Your Own Path!
Scott Pape - Barefoot Investor"

Relevantly, we couldn't agree more with this part:

"Enslave them with debt and distraction
Promote financial illiteracy: “Buy now, pay later” becomes a lifestyle. Blur the lines between wants and needs—encourage instant gratification over savings. Keep them working jobs they hate to buy things they don’t need."

This is a huge part of the reason we created FLY Handbook.
If you haven't already... now might be the perfect time to invest in your financial literacy, or that of someone you love.

https://www.financiallyliterateyouth.com.au/buy-book

#financiallyliterateyouth #SetForSuccess #moneysmart #financialfreedom #financialliteracy

FLY: Financially Literate Youth with Simply Homeschool

Does your teenager want to be armed with the financial knowledge and confidence to set themselves up for success as they chart the course of their life?
Simply Homeschool has teamed up with the creators of FLY to write units of ...work for each chapter of the book.

Simply Homeschool is a curriculum subscription service based on good books and quality resources. Standard membership is $39.95/month (less if billed annually). Head to the Simply Homeschool website to sign up or start a free trial. www.simplyhomeschool.com.au.

FAQ:
Do I have to be a homeschooler? No! Anyone can subscribe to Simply Homeschool.
Do you have units of work for all of FLY? We currently have units for the first five of the ten chapters and will continue to release the remainder as they are ready.
What do the units look like?
Simply Homeschool offers a free trial to access the first two lessons of each unit of study, as well as the Core Overview which provides a detailed list of the content of each unit. Click here to sign up for a Free Trial or head to:- www.simplyhomeschool.com.au.

What is the estimated number of hours required to complete each unit? Simply Homeschool offers the flexibility to cater to different types of learners. On average, we estimate that each lesson takes 30-45mins. However, your learner might complete the activities as efficiently as possible, or they might like to deep dive into an activity. The FLY Core Programs contain:
Ch 1 - 16 lessons, approx 10 hrs,
Ch 2 - 13 lessons, approx 8 hrs,
Ch 3 - 9 lessons, approx 6 hrs,
Ch 4 - 14 lessons, approx 9 hrs,
Ch 5 - 24 lessons, approx 15 hrs.
NB: Typically, our Core Programs are made up of lessons that contain 3-5 activities, and a lesson does not need to be finished in a single sitting.

Are the units fully self-paced or are there live sessions to be attended online?
Our Core Programs are entirely self-paced. Some lessons contain YouTube videos that expand on the information being discussed.

Happy learning from the creators of FLY: Financially Literate Youth and Simply Homeschool!

#financialliteracy #financialliteracymatters #financialeducation

So inspiring to see passionate educators like Andrew Fuller bringing financial literacy to life in the classroom!

"Hi Marlies, Your book is a credit to you.
It is a detailed, well researched and well written resource on the topic of financial literacy for young adults.
I ...appreciate the book is written from an Australian perspective.
This book is exactly what I was looking for to supplement my Financial Literacy Presentations to year 10 and 12 students.
I presently speak with grade 10 students for two periods in three of the four terms. I also present to the year 12 students just before they graduate. With the limited contact time available, there are topics I am unable to cover in detail in my presentations.
When I found your book in our school library I realized that it is the perfect resource for students to take with them into the world.
I approached our school P&C with the opportunity for them to give this valuable reference to each of our students as a parting gift at graduation each year.
After reading your book members of the P&C agreed that this book will greatly increase the financial security and success of our students. The investment our P&C is making into our 12 students will result in financial benefit to those students over many years.
Thank you for your efforts in providing this excellent resource. I wish you every success."
- Andrew Fuller - Mount Tamborine State High School

📸 Photo credit: Mr A Fuller - presenting to year 10 students

Financial literacy changes lives, and we’re thrilled to see FLY making a real impact.

#FinancialLiteracy #EducationMatters #FLYBook #MoneySmartStudents

A Heartfelt Thank You!

We are beyond grateful for messages like this! Hearing how the FLY Handbook is making an impact—sparking conversations, passing through hands, and helping young people learn valuable life lessons—is exactly why we do what we do.

To the amazing customer ...who shared this story, THANK YOU! Your words mean the world to us, and we love knowing that both your daughter and so many others are benefiting from the book.

This is what FLY is all about—empowering, educating, and inspiring. If you’ve had a similar experience with the FLY Handbook, we’d love to hear it!

#FLYHandbook #Gratitude #MakingAnImpact #LifeLessons #financialliteracy #financiallyliterateyouth

🎉 We’re So Proud of How FLY is Making an Impact! 📚💰

The FLY Handbook has been embraced by schools, community groups, and even members of parliament—all united in their passion for improving financial literacy among young Australians. So far, FLY has been:

✅ Gifted ...to graduating students by schools across the country 🎓
✅ Used by councils to induct new apprentices and staff 🏛️
✅ Featured in financial literacy events run by community action groups 💡
✅ Purchased & donated by MPs to students in their electorates 🏫
✅ Turned into a 5-part online course by Australia’s largest homeschooling provider 🎥
✅ Stocked as a primary textbook in high school business classes 📖
✅ Included in a youth entrepreneurship program by a major developer 🚀

And this is just the beginning! 💥 A huge shout-out to all the parents, carers, educators, and leaders who have been sharing FLY and supporting young Australians on their financial literacy journey.

📢 FINAL WEEKS to secure our 2-for-1 FLY discount! Buy one FLY Handbook and receive a second copy FREE—perfect for gifting to a student, friend, or family member.

🔹 To redeem: Simply add 2 books to your cart at www.financiallyliterateyouth.com.au and enter the discount code 241FLY at checkout.

Don’t miss this chance to help more young Australians gain essential money skills! 💰📖

#FLYHandbook #FinancialLiteracy #EducationMatters #EmpoweringYouth #MoneySkillsForLife #LimitedOffer

Buy Book - www.financiallyliterateyouth.com.au

FLY: Financially Literate Youth is the perfect handbook for every young person who wants to be armed with the financial knowledge and confidence to...

www.financiallyliterateyouth.com.au

🚀 High School P&Cs—Raise Funds & Empower Students at the Same Time! 📖💰

Instead of another pie drive, why not run a FLY Fundraiser? The FLY Handbook is a practical financial literacy guide designed for high school students (and beyond), helping them navigate money with ...confidence.

📚 Why P&Cs Love FLY:
✅ Offered at wholesale so your school can fundraise
✅ Valuable gift for students—many P&Cs are gifting FLY as a graduation present
✅ Proven success—popular among schools across Australia

Give families real value while supporting your school’s fundraising efforts. Get in touch today! 📩 info@financiallyliterateyouth.com.au

🔗 Learn more: www.financiallyliterateyouth.com.au

#FinancialLiteracy #FLYHandbook #HighSchoolFundraising #PandC #EducationMatters