If your teen has ever looked at their payslip wondering where their money disappeared to, this episode is for you. As a mum and clinical naturopath, I see daily how financial stress impacts family wellbeing—and I'm determined to equip the next generation with the money skills they need to thrive.
What if your teen could master financial literacy now, instead of learning through costly mistakes?
In Part 1 of this 4-part Ultimate Teen Money Toolkit series, I'm breaking down everything young workers need to know about pay, tax, superannuation, and their legal rights at work. No confusing jargon—just clear, practical information that empowers teens and gives parents peace of mind.
In this episode, you'll discover:
✓ How to read a payslip and understand gross vs net pay
✓ When teens start paying tax (and the $23,230 threshold that matters)
✓ Why superannuation is the secret wealth-building tool for young workers
✓ How to navigate the Fair Work website to check worker rights
✓ Understanding HECS debt for university-bound teens
✓ Common payslip mistakes and how to spot underpayment
✓ Why that single $22 super contribution today becomes $10,000+ by retirement
This series is designed for families. Listen together, pause for questions, and have the money conversations that genuinely change your teen's future.
Coming up in this series:
Part 2: Credit files, Buy Now, Pay Later traps (BNPL), and smart spending
Part 3: Budgeting, goal setting, and beginner investing
Part 4: Compound interest—how to build wealth while you sleep
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Apple Podcasts: https://podcasts.apple.com/au/podcast/fx-medicine-podcast-central/id897414147
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About Emma: Emma Sutherland is a mum, clinical naturopath, and author with over 22 years helping families thrive. As someone who sees how financial stress impacts health daily, she's passionate about equipping the next generation with money skills that create lasting wellbeing.
⚠️ FINANCIAL DISCLAIMER:The content in my YouTube videos and podcast episodes SHALL NOT be construed as financial advice. The information shared is for educational and general information purposes only and is not intended to be a substitute for personalised financial advice. I am not a licensed financial adviser, and this content does not take into account your personal objectives, financial situation, or needs. You should consider seeking advice from a qualified financial adviser before making any financial decisions. It is your responsibility to verify all information and assess its relevance to your individual circumstances.
Keywords: teen finance, financial literacy, payslip, superannuation, worker rights, Fair Work, teen money, parenting teens, Australian teens, HECS, tax education, family finance, teen jobs, money skills, financial education