Training Programmes
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 '…For each country we take men born around 1970 and measure how well their earnings as adults are predicted by their parents' income…'


The children's Society, assessing how easily children can grow up and be successful irrespective of their parent's income (social mobility), in the 'Good Childhood enquiry'.

Their study indicated that in Britain and more so US, the parent's income predicts the income of their child when that child grows up, to a very large extent.

Yet, the world is changing, growing more sophisticated.

BBf's young people's My Road Map to financial freedom is a continuation of 'My Road Map to Success' programme.   The programme is designed to enable young people to utilise the natural capacities they have and enhance their emotional, mental and psychological well-being, take action and become financially free, and secure; irrespective of their current background.

This is a 5 -session programme that enables young people to:

Recognise their strength and potential, Learn about money, and prepare themselves mentally and emotionally, for two key reasons. Firstly, for the journey, to be able to deal with any challenges they may meet along their way to acquiring wealth. Secondly, for the destination. We enable them to understand the power of money, respect it, and have power over it instead of money having power over them, to the point of causing them ill health. And finally, we enable them to draw up a plan and take the necessary action, utilising their God-given gifts and achieve financial freedom.

We provide continuing support, support network, information and resources to enable them to continue to grow and achieve all round success.

The programme content enables young people to appreciate that their future is determined by what they do today, and to that end, they set their Goal, draw their plan and take action.

Session 1 -Your future starts today- In this session participants start with the end in mind. They reflect on their vision and their goal. They also remind themselves about the capacities they have naturally for financial success, such as their natural creative abilities, resiliency, ability to learn and their natural intelligence; as well as the emotional, mental and thought factors that can stand in their way of achieving success. They learn how to overcome such stumbling blocks every step of the way.

Session 2 - Introduction to the pillars of financial literacy. This session enables participants to explore the current situation where there is a wide variation in incomes. It introduces them to the pillars of financial transactions that they need to know if they want to be successful. These are: Income, Expenses, Assets and Liabilities, and their relationships. They are enabled to easily identify these four transactions, and to record them in a basic financial statement.

Session 3 - Why it is important to learn about money- This session enables young people to explore the personal and other reasons why it is important to learn about money. It enables young people to see for themselves why it is compelling for them to take steps to take responsibility of their financial future. Reasons range from the fact that money is tied to our emotional and mental health, too little or too much of it can create problems; the current individual, national and global financial problems; the fact that there is only one body per person and only so many hours in a day, hence the importance of Letting money work hard for you instead of you working physically; and the impending pensions problems, to mention just a few. It is a clear understanding of their personal and other compelling reasons that will move them to take action in favourable and difficult times, in the course of their journey.

Session 4 - Drawing up a solid plan -In this session, participants learn that a plan is  a bridge that makes their dreams become a reality, otherwise it remains just a dream. To enable them to make well-informed decisions and create a solid plan that will enable them to be ready to take opportunities now and in the future, and achieve financial freedom, they take four broad steps:

Step 1- Setting their goal

Step 2- Find out their personal strength and potential

Step 3- Learn Financial survival skills for the real world, and

Step 4- Ensure that they keep up with the changes in the times, so that they are ready to take advantage of opportunities.


In Step 3, The young people answer the question- What can you learn about money that will enable you to get money and yet have power over money? In answer, they explore the following topics:

  1. An understanding that Money is an idea (Thought), so your  perception of yourself is a key determinant of your success.
  2. Explore choices- a  barrier reef of opportunities, and gain an understanding that there are many choices
  3. Basic financial literacy:
    • Financial Statement, among others:
      • Income and Expenditure
      • Asset and liability
      • Recognition that Cash flow is King
      • Spending decisions and consequences
    • Types of income, their advantages and disadvantages, including tax implications.
    • Choices of income avenues, their advantages and disadvantages
    • Risk and risk control
    • Importance of learning from mistakes, disappointments and setbacks, and how to turn disappointment into curiosity, and mistakes or 'failures into success
    • The importance of people in personal, social and business life.
    • The importance of honesty and integrity; and conscience in business,
    • etc.

  4. Participants learn how to build a successful business.
  5. They are introduced to how to invest successfully in real estate and
  6. An introduction to successful investing in stocks, bonds, mutual funds; etc. This is further progressed in our Advanced Financial Education programme.


Session 5 - Taking Action- In this session participants make key decisions and put their plan in motion, starting with baby steps. They are encouraged to make a conscious decision about key matters such as what life they want to lead

Happy, emotionally and mentally healthy and financially free or unhappy, stressed out and struggling financially.

How they want to spend their  time

What sort of friends they want to keep around them.


The draw the specifics of the plan, and put the plan in motion by

Taking various practical steps to generate  income earning ideas

Volunteering to get experience of important business requirements such as communication, team work, leadership skills, etc; and to experience the benefit of giving before receiving.

Taking  practical steps to experience their creativity

Getting their money to start working hard for them starting by:

Getting  a part time job

Converting  earned income to passive income

Starting a part-time business-as most rich people  got rich in their spare time

Buying and selling Assets that generate cash flow now

Getting into the habit of doing something every day to improve their financial intelligence.

Getting a feel of how to sense a great investment

Practice how to turn problems into opportunities

Use lots of leverage that enables them to work less, and earn more, and

Keep learning on a continuous basis

Get into the habit of stopping to re-energise, in order to ensure continued health and performance.


Cost: Individual and Group rates apply.

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