Emily Plummer, Beyond Encryption

The Formative Economy

Technology EN ↓ 2 episodes

Hosted by Emily Plummer, The Formative Economy is a podcast about what we learn about money long before we ever earn it. Through conversations with psychologists, educators, economists, business leaders and system thinkers, it explores how early experiences shape financial behaviour, mental health, and ideas of security, value and opportunity. From digital identity to financial socialisation, the series asks: if our economic lives begin in childhood, why don’t our systems reflect that?

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Author

Emily Plummer, Beyond Encryption

Episodes

Why Mortgage Freedom Is About More Than Money, Jinesh Vohra, Sprive (#2) 21.04.2026 26:04

A mortgage doesn't just shape a monthly payment - it shapes how much room people feel they have to act. On this episode of The Formative Economy, Jinesh Vohra, CEO & Founder of Sprive, discusses what long-term debt does to people emotionally, why homeowners need more control after the mortgage is signed, and how better money education could shape decisions far earlier in life. A mortgage c...

Why Financial Education Needs Better Stories, Emily Boxall, 2mins/MicroFact (#1) 14.04.2026 19:26

Financial education often fails before the lesson begins, because too many people decide the subject is dry, distant, or simply not meant for them. On the first episode of our new podcast series, The Formative Economy , Emily Boxall , Cofounder at 2mins (parent company MicroFact ), makes the case for a different approach: one that treats financial education as a design challenge as much as a know...