Learn with Ebba
Financial Independence Starts Young
LearnWithEbba helps families build confidence on their path to financial independence - starting from childhood.
Created by a Zurich based wealth management professional with 15+years of experience.
Bringing private banking principles into your home: simple, practical, actionable steps any family can use.
About
Learn With Ebba
Building Financial Confidence in Families
Hi! I'm Hermina, a finance professional with 15+ years of experience in wealth management across Zurich and London. After many years as a private banker, I saw firsthand how structured financial planning, long-term thinking, and clear decision frameworks help families build security and opportunity. Although these principles are often reserved for high-net-worth clients, they offer value to any household.
Learn With Ebba was named after my daughter, Ebba, who represents the next generation of learners. I created this platform to bring wealth-management principles to everyday families, translating them into simple, practical guidance that helps parents and children develop healthy money habits and take meaningful steps toward financial independence.
I am writing a children's book that teaches financial confidence through imaginative storytelling for ages 4–12. I started it for Ebba, but it's for every family who wants their children to grow up confident with money to become more resilient and prepared for life.
While I finish the book, explore the blog for insights on money and parenting, try the calculators, and discover resources and products designed to inspire meaningful financial learning at home.
Subscribe to join our community for practical lessons, inspiring stories, and updates on the upcoming book so your family can grow in confidence and move steadily toward financial independence.
The Book
Most children grow up confused about money. Most parents don't know where to start. I couldn't find a bedtime story about financial confidence that didn't feel like a lecture so I am creating one.
I'm a finance professional with 15+ years in wealth management across Zurich and London. But this book? I am writing it for my daughter, Ebba. After years of helping clients build wealth, I realized these essential skills - understanding money, compound interest, planning - weren't taught to kids in ways they'd actually remember.
Through Ebba's magical adventure children ages 4-12 will learn timeless lessons about earning, saving, investing, patience, gratitude, and resilience. Real financial wisdom wrapped in a story kids actually want to read.
Savings Goal Calculator
Compound Interest Calculator
The calculator helps you figure out how much you need to save each month to reach your savings goal.
What you need:
-
Savings Goal - The total amount you want to save
-
Initial Investment - Money you already have to start with
-
Years to Grow - How many years you plan to save
-
Estimated Interest Rate - Your yearly interest rate
-
Compound Frequency - How often interest is compounded (monthly, annually, etc.)
Example:
-
Your savings goal: $100,000
-
You have $5,000 to start with
-
You want to save for 10 years
-
You'll earn 8% interest per year
-
Interest compounds annually
The calculator will show you exactly how much you need to contribute each month to reach your $100,000 goal. Click the button below.
The compound interest calculator helps you see how your money grows over time when interest is added regularly.
What you need:
-
Initial Amount - How much money you start with
-
Interest Rate - The yearly interest rate (for example, 8% per year)
-
Monthly Contribution - The same amount (for example, $100 per month)
-
Time Period - How many years you want to save (for example, 10 years)
Example
-
Start with $1,000
-
Add $200 every month
-
Get 8% interest per year
-
Save for 10 years
The calculator will show you how much money you'll have at the end, plus how much interest you earned.
Click the button below.
The Blog
Ebba’s Side Hustle
Learning by Doing
We don’t just talk about side hustles, we built one!
Our Etsy shop turns financial lessons into real products that inspire saving, investing, and goal setting.
Each mug, bottle, and gift is designed to motivate and to spark meaningful money conversations. They make a great gift, too.
Browse Ebba’s Side Hustle collection on Etsy for:
-
Custom-designed motivational mugs
-
Finance-themed water bottles
-
Inspirational quotes for everyday wisdom
-
Unique gifts for financially-minded friends
“Preparing your kids for financial success—an age-based guide”
This guide from Vanguard explains how families can build strong money habits in children of different ages—from simple spending/saving lessons for younger kids to budgeting, investing and avoiding debt for teens. It emphasises that the earlier you begin, the greater the advantage through things like compound growth and wise financial choices.
Vanguard
27 May 2025
The ripple effect of financial education from students to parents
When children learn finance in school, that knowledge doesn’t just stay with them — it often improves family finances too. A study in Peru showed that parents’ loan default risk dropped and credit scores improved after students took financial courses. That means teaching kids about money can benefit entire households.
World Economic Forum
22 July 2025
Pupils in England to be taught about online spending and scams
From age 5 to 16, students in England will now learn about in-game purchases, influencer advertising, credit cards and crypto. The aim is to reduce accidental overspending and teach children how to spot online scams. Parents welcome it, saying children are spending thousands without realizing it’s real money.
The Guardian
2 April 2025
“Big dreams, bigger worries: what UK parents really want — and fear — for their children’s financial future”
A UK study shows 57.5 % of parents say financial independence is the top hope for their children. Yet many are anxious about cost of living, saving and debt — highlighting the need for early education.
Yorkshire Building Society
13 August 2025
The kids are not alright. Is global fiscal splurge the answer?
Young people today face a world where it’s harder than ever to out-earn their parents. Governments are responding by spending more and cutting interest rates — but will this boost help those coming of age, or just inflate more risk? This article explores whether big budget plans can save the financial future of the next generation.
Reuters
10 October 2025
Bank of England spends £15m on Bloomberg Terminals
The Bank of England has renewed its contract with Bloomberg, investing over £15 million in data terminals used by financial professionals. This is more than just a tech expense — it shows how critical real-time market data is to governments and big institutions. It’s also a glimpse into how financial data is delivered in high-stakes settings.
Bloomberg
27 May 2025
“94% of Gen Z want to hit financial independence before 55 — and they’re planning to use side hustles”
A study found that almost all young adults (ages 18-28) now say they want to be financially independent by age 55 — many even aim for age 32. They’re moving away from traditional 9-to-5 jobs and using side gigs, apps and social media to build money skills. Lesson for kids: Learning about saving and earning early gives you more freedom later.
Business Insider
6 August 2025
Meet the 30-year-old accountant teaching seven-year-olds about money
Abigail Foster left accounting to found a nonprofit teaching kids ages 7 to 18 how money works. She uses games, stories, and real-life examples — and says learning early helps children spot scams, understand investing, and build confidence with personal finances. Her approach is drawing attention around the world.
Financial Times
21 May 2025