Banks create money every day… yet most people are never taught how money actually works. And once you begin to understand the mechanics behind how capital is created, structured and deployed, it naturally raises a question many investors eventually ask themselves. My 6 year old decided to print his own money, with scissors, colour pencils and cut out coins and notes with lots of zeros. One of the note is worth $67,676,676. To buy his shark with three legs call tralali tralala and next is his cards collection of tung tung tung sahur. Google Italian Brain rot if you think I can talking gibberish. For most of our lives we are taught to work for money, save it in a bank account, and trust financial institutions or advisers to manage it on our behalf. Yet the banking system itself operates very differently. Banks do not simply lend out deposits sitting in a vault; they create lending based on credit structures, leverage and the expectation that capital will circulate through the economy. Understanding this does not mean trying to replicate a bank, but it does change the way you start thinking about money. Instead of only focusing on how much you have saved, you begin to ask more strategic questions about how capital can be structured, invested and recycled so that it continues working rather than sitting passively. Over the years I have met many professionals who assumed that leaving everything inside traditional financial products was the only sensible path, only to later realise that the people selling those products were often limited to advising within the narrow framework they themselves had been trained in. Recent industry scrutiny, including reporting in the financial press about fee structures and advice models within certain large wealth management firms, has reminded many investors why understanding your own finances matters so much. No one will ever care about your money as much as you do. Which is why financial education is so important, because the more you understand about how money moves, how investments work and how capital can be structured responsibly, the more confident you become in participating in the decisions that shape your financial future. Curious to hear your view. Do you think people are taught enough about how money actually works? Share your thoughts in the comments, or send me a DM if you enjoy conversations around financial education, investing and taking a more active role in understanding your own capital. Educational discussion only and not financial advice.

Posted by Per & Lily at 2026-03-12 10:07:13 UTC