Money-Smart Children

Knowing how to handle money gives Kashmiri kids the skills to save, invest, and protect their future from an early age.

- Irshad Mushtaq

A Kashmiri teen taps his phone at a local bakery to pay, and the transaction completes in seconds. He grabs the bag and move on without considering the effort behind that money or its potential other uses.

Apps, alerts, and UPI make digital payments feel like magic to kids. But real understanding often falls short.

These quick taps build habits that last long after school.

Kashmir life brings uncertainty. Jobs remain scarce, self-employment rises, and families depend on seasonal work in orchards or tourism, remittances from abroad, or a single paycheck.

In such a place, mastering money management proves essential.

Financial smarts sound fancy, but they boil down to basics: how people earn, save, spend, borrow, invest, and protect cash.

These basics empower young Kashmiris to gain independence and launch businesses.

Many adults still scramble to grasp savings and investments too late in life. This reality underscores the need to teach children early.