Our mantra is simple:

Financial independence makes you ‘time rich’

Being time rich means choosing how you spend the seconds, minutes, hours and days that make up your life.

You get to financial independence through mastering money: saving, buying assets and avoiding bad debt. It’s never too late – or too early – to take control of your financial future. We believe financial independence is achievable for anyone with an income and a long enough timeline.

Meet our


Money School was founded by mother-daughter team Fran White and Lacey Filipich in 2010.

Financial Education | Money School

Fran White

Fran, a qualified accountant, taught her children about money through the years of not having much following a divorce and as a working single mother. She started investing in her late 40’s – when she finally had some money to invest with – and reached financial independence at 63 years old, two years ahead of the official retirement age in Australia at that time.

Sadly, Fran passed away in September 2020. We are forever thankful that those seven years between independence and when Fran passed away were on her own terms.

Fran’s motto is: it’s never too late to start on the path to financial independence.

Lacey Filipich

Lacey took to Fran’s lessons like a duck to water, saving half of every dollar she received from the age of 10. She bought her first property at 19 years old while in her second year of chemical engineering. She continued investing throughout her 20’s, adding shares and more properties to her portfolio to reach financial independence in her early 30’s.

Lacey continues to run Money School in memory of Fran, and to honour her legacy.

Lacey’s motto is: money is about choice. The more money you have, the more choices available to you.

Financial Education | Money School