Money isn't the destination. It's a tool that can give you more choices about where your life takes you.

Written for teenagers and the adults who want to give them a stronger financial start, Money Starts With You turns financial literacy into something practical, relatable and relevant to real life. From understanding how money works and creating value to budgeting, saving, debt, delayed gratification, risk and investing, the book introduces the money skills that can shape a young person's future.

But this is about more than money. It encourages young readers to define success for themselves, think carefully about what they want from life, and understand how the decisions they make today can create greater independence and freedom tomorrow.

Per-Fredrik Emanuelsson spent 25 years working in international finance — and an equal number of years since trying to explain money simply enough for his own kids to actually get it. That's the lens this book is written through: real-life lessons combined with humour, illustrations, memorable characters and practical action steps designed to turn ideas into habits.

Start early. Think independently. Build the skills to create your own choices.

A career isn't just about what you do. It shapes how you spend your time, the choices you have, and ultimately the life you get to live.

"What do you want to be when you grow up?" It's the question every teenager gets asked — and Careers Starts With You moves past it, toward a better one: what kind of life do you want your career to create? Written for teenagers beginning to think about their future, the book explores success, lifestyle, purpose, motivation, setbacks, investing in yourself, reputation and the changing world of work. It also considers the impact of AI and technology — not by trying to predict which jobs will survive, but by developing the self-awareness, adaptability and transferable skills young people will need whatever comes next.

Per-Fredrik Emanuelsson spent 25 years in international finance before making the leap himself — changing direction later in life than most people dare to. That firsthand experience runs through the book, paired with personal stories, humour, illustrations, recurring characters and practical action steps that encourage young readers to think, explore and make more intentional choices.

Per-Fredrik Emanuelsson spent 25 years in international finance before making the leap himself — changing direction later in life than most people dare to. That firsthand experience runs through the book, paired with personal stories, humour, illustrations, recurring characters and practical action steps that encourage young readers to think, explore and make more intentional choices.

Don't just choose a career. Think about the life that comes with it.

Growing up means making more of your own decisions. But before you can decide where you're going, you need to understand the person making those decisions: you.

Not to control everything around you, but to become more aware of who you are, take ownership of your choices, and learn how to keep moving when life doesn't go to plan — that's what self-leadership actually means. Self-Leadership Starts With You is written for teenagers navigating the transition toward greater independence, exploring success, self-awareness, beliefs, values, motivation, habits, focus, resilience, energy and purpose. Small decisions, made consistently, shape confidence, direction and the person you gradually become; progress matters more than perfection, and self-leadership is something you practise through action.

Drawing on Per-Fredrik Emanuelsson's own experiences of ambition, setbacks and changing direction, the book combines personal stories with humour, illustrations, recurring characters Max, Jade and Leo, and practical action steps — designed to help young readers understand themselves, build stronger habits, and make choices that feel genuinely their own..

Don’t wait for someone else to tell you who to become. Learn to lead yourself there.

Investing isn't about getting rich quickly. It's about understanding how money can work for you — and giving it enough time to do so.

Jargon, hype, market predictions: Investing Starts With You sets all of that aside and puts investing back into the context of real life. Written for young people beginning to build their financial future, it explains not only what investing is, but why understanding it matters — even if you never intend to manage every investment yourself. Saving, ownership, risk, inflation, interest rates, markets, compounding and the different tools available to investors all come into it, along with how money, economies and markets connect — and why learning to make decisions under uncertainty can be just as valuable as knowing where to invest.

Twenty-five years in international finance taught Per-Fredrik Emanuelsson as much through mistakes as through wins — and this book leans on both. It combines that financial experience with personal stories, humour and practical frameworks, helping readers think independently, start small, and develop habits that can compound over a lifetime.

Don't wait until you have more money. Give the money you have more time.