For parents of 18–30 year olds

Help your child become financially self-sufficient in 90 days, without another loan from you

Built by a Chartered Accountant with 25 years of experience. The money system clicks within the first 30 days, and the included Parent Access Pass means you go through the program alongside your child.

Designed for young adults who've just started earning, and the parents who want to help set them up to handle money on their own.

Chartered Accountant25+ years investingParent Access Pass included

STEP 1 - WATCH THIS VIDEO

Salena's VSL
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STEP 2 - COMPLETE THE FORM

Qualification form

See if the program is the right fit for your child

Answer five quick questions. We'll show you the next step based on your answers.

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AS SEEN IN

The Sydney Morning Heraldrealestate.com.auMamamiaMoney and Finance MagazineInside Small BusinessBite MagazineCompare ClubMortgageWorksMorning LazzinessDental Business MasteryFlying SoloTickerThe Sydney Morning Heraldrealestate.com.auMamamiaMoney and Finance MagazineInside Small BusinessBite MagazineCompare ClubMortgageWorksMorning LazzinessDental Business MasteryFlying SoloTicker

The quiet part

What most parents notice but rarely say out loud

Your child is earning. They might even be earning well. But the money isn't going anywhere useful.

There's no real plan in place, and no buffer when something unexpected hits. Spending expands to meet the income every time, and somehow, there's never enough left over to invest.

You've tried bringing it up. Either they get defensive, or they nod politely, and nothing changes.

That's not a parenting failure. There's an old saying: no one is a prophet in their own home. Even good financial advice from inside the family rarely lands.

The program exists to be the outside voice with a clear method that young adults actually engage with.

The outcome

What your child gets

The program teaches your child to organise income automatically through a money system that handles itself, so spending happens guilt-free, and investing runs in the background without budgeting or willpower.

Inside that system, they learn investing fundamentals built for a modest salary, so they're not waiting until they "earn enough" before they start. The program also covers the bigger-decision skills they'll need as life gets more complex: property, first investments, who to trust with money, and the landmines most first-time buyers walk straight into.

By the end, your child has a working money system in place and the skills to make sensible financial decisions on their own.

Why doing it together works

Every enrolment includes a Parent Access Pass

Twenty-somethings don't think they need financial education, and by the time they realise they do, a decade of compounding is already gone. Parents see what's happening earlier, and they have the resources to do something about it while it still matters.

That's why every enrolment includes a free second licence, so you can work through the program alongside your child. That side-by-side dynamic is what makes the lessons stick.

"The goal is not to do this for them. It's to make sure they can do it without you."

Salena Kulkarni
Salena Kulkarni
Founder · Chartered Accountant

What's included

The core program, delivered self-paced inside a private member's area

01

The money system

The automated system that organises income, so spending happens guilt-free and investing runs in the background, without budgeting or willpower.

02

Investing fundamentals

Investing built for a modest salary, so your child isn't waiting until they “earn enough” before they start.

03

Property & big decisions

Property, first investments, who to trust with money, and the landmines most first-time buyers walk straight into.

Plus the bonuses that make starting easier

Parent Access Pass

A free second licence so you do the program alongside your child.

Parent Playbook

How much to help, when to step back, and how to handle the money conversations that come up along the way.

First 90 Days Game Plan

A recorded session on exactly what to focus on first, so your child doesn't get overwhelmed and give up early.

Monthly Momentum Call

A live group session each month where parents and young adults bring real questions and get unstuck.

Lifetime access

Lifetime access for both you and your child — revisit any module as circumstances change.

Honest fit check

Who this is for

This is built for you if

  • Your child is somewhere between 18 and 30, earning an income, and you're not sure they have a plan
  • You've had the money conversation and watched it go nowhere
  • You'd rather invest in their financial education now, while time is on their side
  • You want to help in a way that sets them up to handle money on their own

It probably isn't for you if

  • Your child has no income yet (the program assumes there's something to organise)
  • You're after a get-rich-quick course (this teaches the boring foundational stuff that works over time)
  • You want personal financial advice on your own portfolio (the program is educational)
Salena Kulkarni

Chartered Accountant · Private Investor · 25+ Years

About Salena

I built this program because of a gap I lived through. When I started earning, no one showed me what to do. I spent years working hard, making mistakes, and learning the hard way what I wish someone had simply taught me early.

I'm a Chartered Accountant with 25 years of experience. I've spent the last two decades watching smart, capable people work hard and still feel behind. The pattern was always the same: they were earning, but no one had ever given them a working money system.

This program is what I know actually works. Every module came from real client work over decades.

As featured in

Media logos: Bite magazine, Inside Business, Money and Finance Magazine, The Sydney Morning Herald, compareclub, InfoChoice, Mamamia, ticker, Morning Laziness, FeedSpot, BY Wanless, Gemcell Electrical Group, Flying Solo, and Mastery

Trusted by professionals

Endorsed by Financial Planners & Accountants

Trusted by professionals who refer their own clients and families to this program.

In their own words

What members say after going through it

Handwritten notes from parents and young adults after working with Salena.

Handwritten note: excited to be on this journey and learn how to create generational wealth
Handwritten note from Helen: big thanks, looking forward to joining the program
Handwritten note from Oliver & Gabriela: signed up today, can't wait for your wisdom
Handwritten note: thanks for giving our family your expertise
Handwritten note from Brooke C: articulate and informative presentation
Handwritten note from Kristelle: thank you for changing my relationship with money and wealth
Handwritten note from Maryam: signing up with my daughter to learn Money Psychology
Handwritten note: excited to be on this journey and learn how to create generational wealth
Handwritten note from Helen: big thanks, looking forward to joining the program
Handwritten note from Oliver & Gabriela: signed up today, can't wait for your wisdom
Handwritten note: thanks for giving our family your expertise
Handwritten note from Brooke C: articulate and informative presentation
Handwritten note from Kristelle: thank you for changing my relationship with money and wealth
Handwritten note from Maryam: signing up with my daughter to learn Money Psychology

Before you decide

Frequently asked questions

That's exactly the situation the program is designed for. Twenty-somethings tend to be far more open to financial guidance when it comes from a credentialed outsider with a clear method. Most parents tell us the same story: their child finally engages once the content isn't coming from them.

Hear from Salena

Watch Salena's Videos

Salena on money systems

Salena on investing

Salena on property

The next step

Give your child a real money system before they lose another year of compounding

The next step is the short form near the top of this page. It takes most parents under two minutes.

No price on this page · Pricing and full details on the next step