What if you could give your kids a real head start—not just for college, but for life?

Melissa Joy, CFP®, sits down with fintech founder Philip Barrar to talk about building generational wealth the modern way—through financial literacy, access, and the right tools.

Philip shares how his company, Future Money, is helping families create a foundation for financial security—no trust fund required. From innovative accounts like the Junior Roth IRA™ (a 529-to-Roth pathway) to new “Trump Accounts” launching under the SECURE 2.0 Act, they explore how technology is democratizing wealth-building for everyday families.

Melissa and Philip also dig into:

• 💬 Why conversations about money at home matter more than ever
• 💸 How to make financial tools accessible without needing a million dollars first
• 🧠 Lessons in financial confidence for parents and kids
• 📈 New, tax-advantaged ways to invest for your child’s future

Together, they reframe generational wealth as something inclusive, intentional, and deeply personal—a legacy built not only on dollars, but on knowledge and confidence.

Connect with Philip:

https://www.futuremoney.co/

https://www.linkedin.com/in/philipbarrar/

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