Family CFO
Chief Financial Officer Observer
One day, your child will make money decisions on their own.
Family CFO helps them think, reason, and choose wisely, long before that day arrives.
Does this sound familiar?
Children don't become financially confident by listening to lectures.
They become financially confident by thinking, reasoning, and making small money decisions, long before they start earning.
Cricket → Business → Family Finance
Different game. Same goal. Better numbers. Stronger future.
To make money, we need knowledge, skill, and expertise.
To spend money, we need values.
Without values, money going out will usually be more than money coming in.
And sooner or later, that becomes a vicious cycle.
— Chinmay Ananda
Designed by Chinmay Ananda
Financial educator, Business Storyteller, TEDx speaker, 2X Author & Investor.
Since 2014, Chinmay has trained over 15,000 business owners and managers in Australia, India, China and Indonesia.
The teaching behind the method
Trusted to design & teach finance programs to E-MBA students
at universities across three continents.
Ready to meet your family's CFO?
Our approach
Why LAKSHMI?
Lakshmi is widely known as the goddess of wealth. But before wealth comes wisdom.
Before children learn how to earn, save, or invest, they first need to learn how to think about money.
That's why LAKSHMI is more than a name. It's the entire learning journey.
Seven letters. Seven modules. Seven thinking habits.
Each one helping your child make wiser money decisions, one conversation at a time.
| Module | The child's thinking habit | What you will notice at home | |
|---|---|---|---|
| L | Learn to Pause | "Is this a need, a want, or neither?" | Your child stops you before a purchase and asks, "Is that really needed?" |
| A | Analyze the Price | "If I made this, what would it cost me?" | Your child picks up a ₹20 samosa or a ₹150 delivery and can see the work and cost hiding inside the price. |
| K | Know the Real Value | "How is value created, and who pays for it?" | Your child starts seeing that money is earned by creating value, not by luck. |
| S | Save for Tomorrow | "Is today's me stealing from tomorrow's me?" | Your child protects their savings streak from an impulse buy, and grins: "future me says thanks." |
| H | Harvest Wealth | "Will this feed us, or will it eat us?" | Before a big purchase, your child asks whether it will help the family's money grow, or only keep costing. |
| M | Mind the Traps | "Who benefits if I say yes?" | Your child reads a "0% EMI" banner or a "guaranteed double" tip, and tells you who really profits. |
| I | Invest in Yourself | "What else can I learn about how money works?" | Your child starts asking bigger questions about businesses, investments and family decisions. |
Each module is designed for a child to complete comfortably within a month. No rush. No pressure. The pause is the point.
Three age groups. One program.
Every chapter, activity and simulator adapts to your child's age, so they always meet the idea at their own level.
Why This Approach?
Each LAKSHMI module is designed to be completed over four weeks with ease, with one short episode each week.
Every episode combines interactive Decision Labs, real-world Missions, and family conversations, because children learn far more by doing than by simply listening.
Instead of memorising financial terms, they develop the ability to think, reason, and make better money decisions.
The goal isn't to teach finance, it's to build lifelong thinking habits.
We measure success not by what children remember after a lesson, but by the questions they begin asking at home.
Family login
Welcome back
Enrolled families receive access to all seven modules: the chapters, the decision labs and the missions, for every age group.