Two Girls, Two Futures — The Cost of Not Knowing” Meet Lisa and Tamara. They’re both final-year university students — bright, ambitious, and with big dreams. But their financial stories couldn’t be more different. Lisa – The Investor in a White Coat Lisa is studying Medicine. In her first year, her parents enrolled her in a financial literacy program called MoneyWise University Edition. She learned about budgeting, saving, investing in government bonds, stocks, and even planning for retirement. By the end of first year, she started investing K300 monthly in bonds. By third year, she was earning coupon payments every 6 months — small but consistent income. She reinvested everything. Learned about compound interest. By final year, her investment value had grown and her knowledge even more. She speaks about inflation, tax planning, unit trusts, and risk like a pro. She's already planning to invest part of her first salary, and her goal is to own a home by 30 — not with a loan, but with her own savings and bond income. Tamara – Banking, But No Bank Tamara is studying Banking and Finance ironically — but didn’t get any early financial literacy. Her parents assumed she’d “figure it out” in class. She has no investments. Her bank account is dry by mid-month, most of her money goes to food, transport, and airtime. She's only vaguely heard of bonds or stocks, and “inflation” just means “things are expensive.” She has no emergency fund, no plan for her first salary, and no clue how tax or NAPSA even works. She plans to “figure it out after graduation.” Two Futures Lisa is already building wealth before earning her first salary. Tamara is still financially starting from scratch. In 5 years, Lisa might be earning from 3–5 sources. Tamara will likely still be tied to one job. It’s not about what you study. It’s about what you understand about money. Financial literacy isn’t a luxury — it’s a life skill. MoneyWise teaches students the language of money, investment, and wealth-building — before the world demands it of them. If you have a child, or sibling or are a guardian to a child that has completed high school or is in university please share this link with the. It's a link to a quiz that will test their knowledge on basic financial literacy http://bit.ly/3H1Udbm.