Sharan Kaur Varaitch, founder of Build and Conquer Financial Literacy joined me on this episode of Get Ready: Before Life Happens to talk about her journey growing up paycheck to paycheck, supporting her family from a young age, and discovering how saving, investing, and asking better questions helped her build stability and purpose.

🔑 Key Takeaways

🔹 Financial literacy begins with lived experience rather than formal education

🔹 Starting early, even with small steps, creates long-term impact through time and patience

🔹 Teachers and intermediaries need financial confidence before they can effectively teach others

🔹 Talking openly about money helps reduce shame and normalizes these conversations

🔹 Financial literacy strengthens resilience at both the household and community level

🔹 Money decisions are most effective when they align with personal goals and values, not comparisons with others

🔹 Money and prosperity are everyone’s birthright

Tony’s Take: Financial literacy starts with mindset, teachers play a critical role, and open conversations about money can help break generational cycles and create a more equitable future.

 🎥 Watch this episode below: 

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🎧 Listen to the podcast below or on your favorite podcast app.

Connect with Sharan Kaur Varaitch: 

Build & Conquer Financial Literacy Website https://www.buildconquer.com

LinkedIn: https://www.linkedin.com/in/sharan-kaur-v-75780928b/

Bio:

Sharan Kaur Varaitch is the Founder and Director of Build & Conquer Financial Literacy, dedicated to lifelong financial education through a whole organisation approach. With over 15 years’ experience in Organisational Development, HR, Learning & Development, and Change Management, she blends strategic insight with a passion for financial empowerment. A committed investor for over 15 years, Sharan knows how financial literacy transforms lives. Her mission is to make financial education accessible, practical and embedded in everyday learning, helping young people, educators and adults build confidence, make informed decisions and create lasting change.

 ☕ Support the Get Ready Movement.

If these conversations help you think differently about money or prepare for life’s what-ifs, your support helps expand financial readiness education and keep this work accessible.

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