{"id":174000,"date":"2025-09-28T00:46:15","date_gmt":"2025-09-28T00:46:15","guid":{"rendered":"https:\/\/www.newsbeep.com\/au\/174000\/"},"modified":"2025-09-28T00:46:15","modified_gmt":"2025-09-28T00:46:15","slug":"bangkok-post-financial-planning-urged-across-generations","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/au\/174000\/","title":{"rendered":"Bangkok Post – Financial planning urged across generations"},"content":{"rendered":"

Family influence, disciplined saving and mindful spending can shape sustainable financial habits<\/p>\n

\"Panelists<\/p>\n

Panelists at the Debt Detox, Ask Us Anything session, from left: Yada Karnjanisakorn, a certified financial planner and owner of the FahYada Fanpage; Thanathon Karnjanisakorn, a financial adviser and founder of the NamFinance Fanpage; and Ohmsiri Veerakul, content director at LTMH Rocket.\u2009(Photo: Chanat Katanyu) <\/p>\n

Financial literacy and early planning are more critical than ever, especially in this era of economic uncertainty, online financial content creators said at the Next Gen Finance forum hosted by the Bangkok Post on Friday.<\/p>\n

Speaking during the \u201cDebt Detox\u201d talk, financial advisers and planners stressed the importance of family influence, disciplined saving and mindful spending in shaping sustainable financial habits for young Thais.<\/p>\n

Family remains the most powerful driver of financial discipline, they said, with early exposure to budgeting, saving and investing laying the groundwork for long-term stability.<\/p>\n

Yada Karnjanisakorn<\/a>, a certified financial planner and accredited investment and securities analyst, credited her mindset to lessons at home.<\/p>\n

\u201cMy family taught me to control my wants and appreciate the value of money,\u201d she said.<\/p>\n

She noted that many young people nowadays already understand investment basics, emphasising that families and schools are essential pillars in building financial literacy.<\/p>\n

Her sister, Thanathon Karnjanisakorn, founder of the NamFinance<\/a> platform, emphasised that financial discipline should be instilled in children from a young age.<\/p>\n

Ohmsiri Veerakul, content director at LTMH Rocket<\/a>, recalled growing up during a financial crisis.<\/p>\n

\u201cI always knew I could ask for money if I needed it, so saving didn\u2019t feel urgent. But instability taught me the importance of financial planning later on,\u201d he said.<\/p>\n

Mr Ohmsiri warned that social media fuels lifestyle inflation and emotional spending. \u201cViral content can be misleading. People compare themselves to others without knowing their real situation, which often leads to poor choices,\u201d he said.<\/p>\n

Ms Thanathon noted that while comparisons can be harmful, they can also motivate people to save more and work harder.<\/p>\n

The panel stressed that financial freedom does not require wealth.<\/p>\n

\u201cHappiness can be found in small things,\u201d Ms Yada said.<\/p>\n

\u201cYou don\u2019t need to spend a lot to live well,\u201d Mr Ohmsiri agreed.<\/p>\n

\u201cLive simply, eat simply, and don\u2019t let emotions control financial decisions,\u201d he said.<\/p>\n

For those aiming at early retirement, these financial experts advised starting with small, practical steps: tracking expenses, building emergency funds and setting clear retirement goals.<\/p>\n

\u201cEven at 30, it\u2019s not too early,\u201d Ms Yada said.<\/p>\n

\u201cWhat matters is having a long-term vision and aligning it with what makes you happy.\u201d<\/p>\n

She added that portfolio management is vital to weathering unexpected events.<\/p>\n

At the same time, Mr Ohmsiri urged would-be entrepreneurs to take a cautious approach: \u201cBe conservative in your assumptions and study the market carefully to reduce risks.\u201d<\/p>\n

All three panellists also agreed that emergency savings are non-negotiable.<\/p>\n

As an example, they agreed that if someone is a salaried employee, they should set aside three to six months of income as a safety net. Life is unpredictable, and preparation is the first step to security.<\/p>\n","protected":false},"excerpt":{"rendered":"Family influence, disciplined saving and mindful spending can shape sustainable financial habits Panelists at the Debt Detox, Ask…\n","protected":false},"author":2,"featured_media":174001,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[64,63,113133,99,186,6700,5481,184,185,113132],"class_list":{"0":"post-174000","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-au","9":"tag-australia","10":"tag-bangkok-post-knowledge-forum","11":"tag-business","12":"tag-finance","13":"tag-financial-literacy","14":"tag-financial-planning","15":"tag-personal-finance","16":"tag-personalfinance","17":"tag-yada-karnjanisakorn"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/174000","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/comments?post=174000"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/174000\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media\/174001"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media?parent=174000"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/categories?post=174000"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/tags?post=174000"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}