A meaningful gift for teenagers • Financial skills for life • Support their journey to independence • Practical money knowledge for the real world • Build confidence with saving, spending and investing

Welcome message from Tracey West, PhD

At Marshmallow Money, we believe money lessons should start early, and they should be practical, honest, and empowering.

I created Marshmallow Money books and worksheets to combine real-world financial education with research-backed learning design. Drawing on years of experience in finance, education, and consumer wellbeing, our resources are designed to help young people build the knowledge, habits, and confidence they need to make informed money decisions.

The name Marshmallow Money is inspired by one of the most famous experiments in behavioural science: the marshmallow test. At its heart is a simple but powerful idea; learning to pause, plan ahead, and think about future rewards. These are the same skills that support financial wellbeing throughout life.

At Marshmallow Money, our mission is simple: To help young people build money confidence.

Whether you're a parent, teacher, school, or curious learner, we’re here to make financial education more accessible, evidence-based, and engaging for the next generation.

Please browse the books and educator support materials and get in touch if you have any suggestions or ideas, I'd love to hear from you.