I am Bj�rn N�bel author of "My financially literate child" and a financial expert who completed his training as a banker over two decades ago. As the father to a lovely daughter who is a digital native, I am aware of the challenges of the "brave new world". This is a topic that is particularly close to my heart. My approach to financial literacy is that the earlier you teach children how to handle money, the more successful they will be with it in the future.