CENTRAL, Singapore - TelAve -- The numbers say it all: Gen Z can answer only 38 percent of basic money questions correctly, the lowest of any generation, while 85 percent cite roadblocks that keep them from financial success and 46 percent still lean on family for monthly support. That gap in knowledge and confidence is precisely what entrepreneur and educator Kameel Vohra tackles in his new release, Rich by Habit, Not by Hustle, a hype-free guide that shows anyone 16 and up how to turn pocket change into lasting wealth.

Written in plain language and road-tested with teachers and workshop cohorts across the world, the book walks readers through budget hacks, debt detox plans, and beginner-friendly investing. Then ties it all to mindset and habit-stacking so the lessons actually stick. "Financial freedom isn't about spreadsheets, it's about daily choices," says Vohra. "If you can build a coffee habit, you can build a savings habit."

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The stakes are high and the upside huge:

• High-school financial-education mandates boost young adults' credit scores by 16–32 points within three years and cut delinquency rates almost six percentage points.
• Teens who take three years of personal-finance classes are 40 percent less likely to fall a month behind on payments and carry credit scores roughly 25 points higher a decade later.
• Adults scoring above-median on literacy quizzes are 53 percent more likely to live below their means and 65 percent more likely to hold a three-month emergency fund.
• Yet tradition still holds women back: 58 percent of married women worldwide leave long-term money decisions to their spouses.
• 81 percent of Americans wish they'd had financial education earlier in life.

"Money skills compound just like interest," Vohra notes. "Start at 16, stick with it, and you could add six figures to your net worth before your 30th birthday."

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Quick-Read Stats for Journalists

• Gen Z averages 38 % on P-Fin literacy; 30-point gap vs. Boomers.
• 85 % of Gen Z feel blocked from financial goals; 46 % rely on family support.
• State-mandated finance classes raise credit scores 16–32 pts in three years.
• Teens with robust finance courses are 40 % less likely to miss payments.
• High-literacy adults keep emergency funds at 65 % vs. 42 % for low-literacy peers.
• 58 % of married women defer long-term investing to spouses.

Kameel Vohra is a corporate marketing leader and entrepreneur turned fintech educator. His new book and courses make complex finance simple, actionable, and inclusive.

Rich by Habit, Not by Hustle is available July 1^st, 2025 in paperback and e-book on Amazon and major retailers worldwide: https://www.amazon.com/dp/B0FBJVX3H8

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