Mitlin Money Mindset

The Early Money Lessons That Build Generational Wealth w/ Mac Gardner

March 4, 2026 | Episode #279

Meet the Guest

Mac Gardner

Mac Gardner, a Certified Financial Planner practitioner, has served in the financial services industry for more than 20 years. His passion for financial literacy led him to publish his first book, “Motivate Your Money!”. The book serves as a tool to share his extensive experiences in the field of Personal Financial Planning. His second book, "The Four Money Bears" teaches children about the four basic functions of money. It is a fun and entertaining way for parents to start the conversation about money with their young children. Mac serves as Founder and Chief Education Officer of FinLit Tech. The company's mission is "Building a Bridge Between Financial Literacy and Financial Technology". FinLit Tech develops Financial Education tools to start the personal finance education journey from as early as elementary school.

Show Notes

Money habits start forming long before most families ever talk about them. The result? Teens and adults who only know how to spend or save and miss everything else money can do.

That’s one reason Mac Gardner, founder of FinLit Tech, created interactive tools to teach families financial literacy. In this episode, we discuss his book The Four Money Bears, why so many parents avoid money conversations, and how early exposure shapes lifelong habits and generational wealth. Plus, find out how advisors can help close the gap, reach more families and bring more diversity into the industry.

Resources

Sending your child to college will always be emotional but are you financially ready?

Take the College Readiness Quiz for Parents!

Doing your taxes might not be enJOYable but being more organized can make the process less painful.

Get Your Gathering Your Tax Documents Checklist!

Will you be able to enJOY the Retirement you envision?

Take the Retirement Ready Quiz!

About the Podcast

Welcome to Mitlin Money Mindset®️! With your host, Larry Sprung, CFP®️, Founder and Wealth Advisor at Mitlin Financial Inc®️. With over 20 years of experience as an entrepreneur in the financial services industry, Larry thrives to help you achieve your goals while finding JOY in the journey.

Each week, he’ll go deep with engaging guests who provide tangible takeaways and a whole lot of JOY along the way. Here, we don’t just talk about money; we celebrate it as a catalyst for JOY and possibility. Whether you’re saving for the future, planning your next big adventure, or just looking to add some spark to your daily money management, you’re in the right place.

We hope you enJOY these conversations as much as Larry enJOYed having them. And remember to ask yourself, what did you do today that brought you joy?®️

The Early Money Lessons That Build Generational Wealth w/ Mac Gardner

Meet the Host

Larry Sprung

CFP®, CEPA®
Founder & Wealth Advisor