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Jopez Academy

To nurture our children today to have a strong financial literacy foundation and right money habitudes from young.
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ABOUT JOPEZ ACADEMY

Jopez Academy is a financial education organisation that helps children, their parents and educators to build mindsets, habits and attitudes towards money and life mastery. Jopez Academy was formed with the aim of supplementing the current (pre-school/primary/secondary school) curriculum with age-appropriate and practical hands-on money mastery processes. The processes include

teaching materials and games that would help to nurture children in developing the right money habitudes and thus build a strong financial literacy foundation. Equipping children with such tools early in life would create abundant opportunities for their life-long success. At Jopez Academy, research into cognitive science, child development, early childhood education and psychology are used to develop financial educational training materials, curriculum, coaching and training for children aged 4 to 12 years old, their parents and educators. Methodology
Jopez Academy's proprietary methodology money mastery and life mastery--money coaching based on core lifeskills and the values of: being responsible, disciplined, and charitable. It is based on proven research into childhood education, Ernest's research and observations on the family dynamics of his clients and their children, and his own life story, being poor and struggling to make ends meet while bringing up his three children. If you believe today’s young people need financial literacy education and real-world business skills, JoPeZ Academy is here to help. Sponsorships are also available to provide financial, business, and entrepreneurship education to young people as well as teachers who cannot afford it. Contact us today!

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About the team

JoPeZ Academy was headed by a team professionals ranging from Entrepreneurs, Pre-school teachers, Financial Planners, Wealth Advisors, Money Coaches, Counselors, and Accountants. Our Financial Planners and Wealth Advisors are regulated by MAS. Over the last 7 years, we have held various talks, workshops, seminars, to various private and public organizations. We have developed a money board game – Money Junior in 2010 and Money Jars which was first used in the parenting workshop to equip parents with money skills to teaching their pre-school children.

02/09/2026

I know, dad." I can handle it myself." 🙄🚪

Have you heard this before?

Your teen closes their bedroom door, watches a few TikTok videos, and suddenly acts like they know everything about money.

As they grow older, they naturally want to push us away.
It is easy to feel like our job is done.
❓ Do they roll their eyes when you tell them to save their allowance?
❓ Do they quote a 20-year-old YouTuber instead of listening to your advice?
❓ Do they act completely independent, but still ask you to pay for their Grab rides or movie tickets?

When teenagers act like this, many parents just step back and stop trying."Let them figure it out," we tell ourselves.

But here is the hard truth:
They still need you. Even if they never admit it.

At Jopez Academy, we remind parents of one very important rule:
They may stop listening to your lectures, but they never stop watching your actions.

You are still their number one money coach. You just need to change how you coach.Instead of lecturing them, try the:
✅ Co-Pilot Budget Challenge

Next time you plan a simple family dinner or a weekend grocery run, hand them the control.

Give them a strict budget (e.g., $100 for family dinner).

Let them decide where to go and what to order.If they overspend, they must figure out how to solve it.

No rescuing.

When you do this, you stop being the "nagging parent" and start being the "coach".

This simple challenge teaches them:
✅ Real-world budgeting
✅ Problem-solving under pressure
✅ That you actually trust them

You do not need to control their every dollar. You just need to guide them safely while they practice.

Parents, let's be honest... who influences your teen’s money habits the most right now?

👇 Comment "ME" below!

13/08/2026

"I don't check my bank balance. If the app lets me pay, it means I have money." 📱💸

A teenager told me this recently, and I was shocked.
But honestly... it explains everything.

Today's teens do not have a "spending" problem. They have a "system" problem.

They live in a world where money is completely invisible. They just double-click a button, scan their face, or tap their phone.

Because of this, we see the "spend first, think later" behavior everywhere:

❓ Do they tap their phone for a $7 bubble tea without thinking twice?
❓ Do they just check their Shopee cart because there is a “flash sale”?
❓ Do they run out of their monthly allowance in the second week?

As parents, our first reaction is to lecture them.
"You are wasting money! Do you think money grows on trees?"

But a lecture is not a system.
If they do not have a system to manage their money, they will just follow their feelings. And their feelings will always tell them to buy now.

At Jopez Academy, we teach parents to stop scolding and start building systems.

Before they get their next allowance, help them set up the:

3 Jars System (Save, Spend, Share)

On the very first day they receive their money, they must divide it.

10% goes to the "Save" jar immediately.
A small amount goes to “Share”.
The rest stays in "Spend".

Once the "Spend" jar is empty, it is empty.
No advances. No emergency top-ups from Mum and Dad.

When you do this, they learn the most important lessons:
✅ Budgeting
✅ Delayed gratification
✅ How to control their impulses

Let them make a $50 mistake today, so they do not make a $50,000 mistake when they are adults.

Parents, if you look at your teen right now...
👇 Comment "SAVER" below to tell us their money personality!

30/07/2026

"Mum, if I study hard, will I get a good job and be rich?" 📚💭

Have your kids asked you this yet?

If you are honest, you might not know what to say.

Because today, parents know the uncomfortable truth:

❓ A degree no longer guarantees a high salary.
❓ Knowing the right people (connections) often opens more doors than a perfect exam score.
❓ Most of the science and math formulas they memorize today will be forgotten by age 20.

As a parent, it is completely normal to feel conflicted.
If the old rules do not work anymore, why do we force them to study so hard?

Here is the mindset shift we teach at Jopez Academy:

We do not study for the syllabus. We study for the character.

When your child struggles with a very hard math problem, they are not just learning math. They are training their brain.

Studying hard is just a training ground to develop:
✅ Discipline (doing the work even when they feel lazy)
✅ Problem-solving (figuring out hard things without giving up)
✅ Resilience (bouncing back from a failed test)

Connections might get them the job interview. But it is character, discipline, and grit that will keep them in the room.

And it is the exact same with money.

We do not teach them to work hard and save money just to hoard cash in a bank.
We teach them to save so they have something much better:

Choices.
Independence.
The freedom to say "No" to a bad boss or a toxic job in the future.

We prepare them not for the exam, but for life.

What do you think? Is character more important than exam grades today?

👇 Comment "CHARACTER" or "GRADES" below and let's talk about it!

21/07/2026

"Mum, if I study hard, will I get a good job and be rich?" 📚💭

Have your kids asked you this yet?

If you are honest, you might not know what to say.

Because today, parents know the uncomfortable truth:

❓ A degree no longer guarantees a high salary.
❓ Knowing the right people (connections) often opens more doors than a perfect exam score.
❓ Most of the science and math formulas they memorize today will be forgotten by age 20.

As a parent, it is completely normal to feel conflicted.
If the old rules do not work anymore, why do we force them to study so hard?

Here is the mindset shift we teach at Jopez Academy:

We do not study for the syllabus. We study for the character.

When your child struggles with a very hard math problem, they are not just learning math. They are training their brain.

Studying hard is just a training ground to develop:
✅ Discipline (doing the work even when they feel lazy)
✅ Problem-solving (figuring out hard things without giving up)
✅ Resilience (bouncing back from a failed test)

Connections might get them the job interview. But it is character, discipline, and grit that will keep them in the room.

And it is the exact same with money.

We do not teach them to work hard and save money just to hoard cash in a bank.
We teach them to save so they have something much better:

Choices.
Independence.
The freedom to say "No" to a bad boss or a toxic job in the future.

We prepare them not for the exam, but for life.

Do you think character is more important than exam grades today?

👇 Comment "CHARACTER" or "GRADES" below and let's talk about it!

15/07/2026

Every financial habit starts somewhere and for many children, it starts with curiosity.

At our recent Know Your Money Workshop, children explored money through interactive games, discussions, movement, and practical activities that make financial concepts easier to understand and remember.

Thank you to all the parents who joined us and entrusted us with being part of your child's financial learning journey. We hope everyone left with new ideas, meaningful conversations, and a little more confidence about money.

We're looking forward to welcoming even more families at our next workshop.

13/07/2026

"Mum, what is the point of putting money in this jar if I am never allowed to touch it?"

If you have ever tried teaching your child to save, you have probably heard this exact question.

And honestly? They have a point.

To a child, money has only one purpose: to be spent right now. When we tell them to "just save it for the future," it feels like a punishment.

They think:
❓ Why should I give up my McDonald's meal today?
❓ Why can't I buy those Roblox Robux right now?
❓ Where is this money actually going?

If saving feels like throwing money into a black hole, they will hate doing it.

Before we can teach them discipline, we must teach them purpose.

At Jopez Academy, we teach parents a simple mindset shift:

Never let them save for "nothing".

Instead of a generic "Savings Jar", introduce the:

Target Savings Rule

Help them pick a specific, exciting goal. Let them print a picture of it and stick it on the jar.

A new Nintendo Switch game.
A pair of branded sneakers.
A ticket to Universal Studios.

Now, when they put a $10 note into the jar, they are not "losing" money. They are buying a piece of their goal.

They are no longer just keeping money away. They are actively learning:
✅ Delayed gratification
✅ Goal setting
✅ The real value of patience

A child who knows exactly why they are saving will stop asking to touch the money until the goal is reached.

Parents, what is the hardest part about getting your kids to save?

👇 Comment "THE GOAL" if your kids need a target, or "THE TEMPTATION" if they can't resist spending!

10/07/2026

Is your teenager ready to manage money confidently before they start earning their own income?

💰 Most teenagers learn algebra in school... but very few are taught how to manage money.

What if your child could start building healthy money habits before entering adulthood?

Our Grow With Money Workshop is designed for youths aged 12–16, where they'll learn practical financial concepts through engaging activities, discussions, and real-life scenarios not just lectures.

If you have a teen who's ready to become more confident with money, this workshop is a great place to start.

To register simply scan the QR code or click the link here > https://forms.gle/TdwyaFXBwTt9CZBi7 <

Feel free to share this with parents who have teenagers who may benefit from it!

08/07/2026

School equips us to think analytically, stay focused, work hard and be disciplined. These are valuable life skills that shape who we become.

But here's a question.

Why are we spend so many years learning how to work for money, yet so little time learning how to make money work for us?

The truth is, many of the same qualities that help us succeed in school are also the qualities that help us build wealth.

Analytical thinking helps us make wiser financial decisions.

Discipline helps us stay consistent with saving and investing.

Focus keeps us committed to long-term goals instead of chasing short-term gratification.

Patience allows the power of compounding to work over time.

And perhaps the greatest financial advantage every young person has isn't money at all, it's Time.

The earlier someone begins developing healthy financial habits, the more opportunities they create for their future. That's why financial education shouldn't begin only after graduation or after receiving a first paycheck. It should begin while we're still young.

It was a privilege to spend time with the young men from the Boys' Brigade during our Financial Warrior Workshop, exploring these ideas through discussions and interactive activities.

My hope is that they won't just graduate knowing how to work hard for money, but also understand how to make money work hard for them.

25/06/2026

"Dad, can I use my Ang Bao money to buy NVIDIA shares?"

I wouldn't be surprised if more Singaporean parents start hearing this question.

Today's teens are learning about investing from TikTok, YouTube, and their friends in school. They hear stories of people making money from stocks, ETFs, and crypto, and naturally, they want to get started too.

As a parent, it's exciting to see our children interested in investing.

But before we teach them how to grow money, we need to teach them something even more important:

>> How to keep money.

Because if a teenager cannot manage their Ang Bao money, how will they manage an investment portfolio?

Think about it:

❓ Do they spend most of their Ang Bao money on the latest gadgets, sneakers, or gaming accessories?
❓ Is their monthly allowance gone before the next top-up?
❓ Do they frequently ask Mum and Dad for extra money because they overspent on bubble tea, Grab rides, or online shopping?

If the answer is "Yes", then investing may be the second lesson—not the first.

At Jopez Academy, we believe every young investor should first pass the:

>> 10% Savings Challenge

Can they save at least 10% of their allowance or Ang Bao money for three months in a row?

>>> No reminders.
>>> No borrowing from Mum and Dad.
>>> No taking money out halfway.

Because successful investing is not just about finding the next NVIDIA.

It's about developing:
✅ Discipline
✅ Patience
✅ Delayed gratification
✅ Good money habits

A teenager who can consistently save $10 out of every $100 is already building the mindset needed to become a successful investor.

After all, the first question isn't:

"Which stock should I buy?"

It's: "Can I manage the money I already have?"

Parents, if your child received $5,000 in Ang Bao money today, would you let them invest it immediately?

👇 Comment "YES" or "NOT YET" and tell me why.

24/06/2026

🎉 Know Your Money Workshop Another Successful Run!
We just wrapped up 2 fantastic sessions of our Know Your Money workshop at OCBC Wisma Atria, in collaboration with OCBC and Flying Cape! 💰📚

Parents and kids had an absolute blast learning about money the fun and engaging way through games, hands-on activities, and interactive discussions. Seeing all the smiles and "aha!" moments made it such a rewarding experience for our team! 🙌

Due to the overwhelming response, we're back with our next session on 4 July 2026, 2:00pm – 5:00pm!
⚠️ Seats are limited to 15 and filling up fast don't miss out! Secure your spot now before it's gone.
📍 OCBC Wisma Atria Branch
🕑 2:00pm – 5:00pm | 4 July 2026
https://jopezacademyasia.com/op/know-your-money-2026/

Tag a parent who needs this for their kid! 👇

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Website

http://www.jopezacademy.com/

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