Every Parent Wants Their Child to Be Financially Confident

But where do you start when you're not confident with money yourself?

You Don't Need to Be a Financial Expert

Zandeo guides you through every conversation, every teachable moment, and every money decision your child makes. Our platform provides the lessons, prompts, and insights you need to feel confident teaching money skills - even if you're not confident yourself. You and your child grow together on this journey.

Real Money, Real Learning

Your child doesn't just read about saving - they feel what happens when they choose to spend their goal money. They don't just learn about interest - they watch their savings grow. With real bank accounts, physical cards, and everyday spending decisions, your child builds genuine money confidence through lived experiences.

From First Pocket Money to Real World Readiness

Zandeo transforms those everyday "Can I have..." moments into powerful learning moments

  • Ages 5-7 Early Foundation: Your child learns the difference between needs and wants through stories, games, and gentle guidance that makes waiting feel rewarding.
  • Ages 8-10 Building Habits: Watch your child's excitement when they earn their first interest payment and discover that saving money actually makes more money.
  • Ages 11-13 Practical Application: Your child starts understanding trade-offs and making complex money decisions, perhaps even launching their first small business.
  • Ages 14-17 Advanced Concepts: Your teenager manages real bank accounts, understands compound interest, and turns those scary money conversations into collaborative planning sessions.
  • Ages 18+ Real-World Readiness: Your young adult enters university or work life with genuine financial confidence, equipped with practical money management skills learned through real experience.

Real-World Readiness is what we are working towards - transforming your 5-year-old's first "Can I have this?" into your 18-year-old's confident "I've got this."

About Hex Novoa, Founder & CEO

Hex Novoa with family on a bike ride

This is my family and me on a recent night ride - the kids bought their bikes and helmets with their own money 😊

I've been preparing for parenting since 2011 - that's before my kids were born! I still have the article I cut out from Men's Health: 8 Lessons All Dads Should Teach. We've been paying allowances to our kids for 5 years now - always researching, reading, and talking to other parents. I've heard, read, and seen a lot, and there just isn't a solution out there like Zandeo (but do let me know if you disagree - I always want to learn more!).

I want to hear about your experiences with family finances, raising confident children, and our app. This is my number: +27 72 159 4728

Here are some great resources you can have a look at:

  • The Opposite of Spoiled: Raising Kids Who Are Grounded, Generous, and Smart About Money, by Ron Lieber
  • Nala and the Save, Share, and Invest Piggy Banks, by Gugu Sidaki (available at www.my3piggies.com)
  • Scientific Secrets for Raising Kids Who Thrive, by Peter M. Vishton from Cornell University (available at The Great Courses on Audible)
  • The Art of Manliness Podcast with Brett and Kate McKay - various episodes on money and finance