What age do you need to be to benefit from financial education? "Is it too late at 11, 12 or 13?" That's what the venerable Paul Lewis of Radio 4's Moneybox asked Tracey Bleakley of the Personal Finance Education Group this weekend.
There's a right answer to this question. It goes like this: No, don't be daft. Of course, it's not too late. People develop at different rates and most of us never stop learning. People can and do change their habits throughout their lives. And anyway, most of us learn by doing. You can't properly "do" money until you start handling it for real, making proper choices about spending, saving and the rest.
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