Most parents wait until their children are teenagers to start teaching them about money. By then, it is often too late. After 15 years in private banking, advising high-net-worth families managing portfolios worth hundreds of millions, I have observed a pattern that most people never see: the families who successfully transfer wealth across generations start financial education at age three, not age thirteen. Most habits, including money habits form between ages three and s

I once worked with a client who had everything. Ultra-high net worth. Decades of business success. Access to every financial resource imaginable. Our bank rolled out the red carpet for him: dedicated analysts, specialists in every asset class, detailed research reports, personal portfolio reviews. He lost millions anyway. Not because he lacked intelligence. Not because he lacked education. Not because he lacked resources. He lost money because he lacked something far more v