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Finance affects everything around us \\u2013 from our personal well-being to our social status.

But for a lot of us, financial literacy isn\\u2019t something that\\u2019s taught. It\\u2019s something we learn from watching our parents or sometimes even from making mistakes.

Reece Parkinson is joined by this week's panel to discuss money, housing, spending and saving.

Kae Commodore has a podcast called 'Pennies to Pounds' and is known as 'Twitter\\u2019s Fave Finance Guru'.

Samuel Brooksworth is an account director at the Guardian. He was also a contestant on The Apprentice in 2016.

Dayna Byfield is a financial educator. Her company organises a range of mentoring and coaching programmes.