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Moola Money Blog


Technical Analysis: The 2025 UK Budget and Its Impact on Higher Earners (“HENRYs”)
The UK's 2025 Budget introduces tax and pension reforms with long-term implications for households across the income spectrum, particularly the HENRYs (High Earners, Not Rich Yet).
Linda Du
2 days ago5 min read


Utility: The Economic Concept of Happiness
In economics, utility is the measure of the satisfaction or happiness derived from consuming goods and services. However, beyond a certain point more money doesn't necessarily equate to more happiness. In Morgan Housel's Utility: The Economic Concept of Happiness we explore beyond the standard definitions of utility and into what construes real happiness.
Linda Du
Nov 253 min read


The Curriculum is Adding Up: Why Financial Education Belongs at the Heart of the Classroom
The government’s new curriculum represents more than policy change; it’s a cultural shift towards financial empowerment for all.
Heidi Xiao
Nov 183 min read


Lessons from Moola’s Alpha Program: How Millennials Build Financial Confidence
When Moola launched its first Alpha Program, we wanted to understand how young professionals make financial decisions once they have structure and guidance. Over fifteen weeks, 56 participants tested our early tools — and taught us something bigger: millennials aren’t disengaged from money; they’re underserved by products that don’t meet them where they are.
Dylan Harris
Nov 63 min read


Do You Know Your Money Blind Spots? The Psychology of Money
We all make money decisions based on more than numbers — they’re shaped by memory, upbringing, and emotion. The Psychology of Money reminds us that what seems irrational often makes perfect sense in context. This month, we revisit Morgan Housel’s timeless insights on why understanding your own story may be the most powerful financial skill you can build.
Heidi Xiao
Oct 293 min read


Is It Too Late to Start Investing?
Think you’ve missed the boat on investing? You haven’t. It’s rarely too late to build wealth - what matters is starting now, with structure and intention. Even small, consistent steps can compound meaningfully over time. At Moola, we help you invest with clarity and confidence, so your financial progress matches your goals, not someone else’s timeline.
Susan Ren
Oct 175 min read


Talk Money Together: A Moola Guide for Couples
How you think about money matters as much as how you manage it. Moola’s Psychographic Survey helps couples uncover their financial personalities and use those insights to strengthen shared goals and everyday habits.
Linda Du
Oct 103 min read


Career Shifts & Pauses: How They Shape UK Millennial Finances
Millennials are the career change generation. From job switches and retraining to side hustles and career breaks, non-linear paths are the new normal. Each shift carries both costs and opportunities, a pension gap here, a pay rise there.
The question is: how do you plan for them? In this blog post, we break down the numbers behind career twists and show how to turn change into part of your wealth-building journey.
Heidi Xiao
Sep 303 min read


Unlocking Tax Reliefs in the UK: Keep More of Your Money
Most of us see taxes as money out the door, but the UK system actually offers powerful reliefs that can help you save more, invest smarter, and build long-term wealth. From pensions and ISAs to SEIS/EIS and Gift Aid, here’s how to make the rules work in your favour.
Linda Du
Sep 244 min read


From “Generation Rent” to the Wealthiest Cohort: How Millennial Financial Habits Are Changing
For years, UK millennials have carried the label “generation rent”, a cohort locked out of traditional wealth milestones. But beneath the surface, financial habits and circumstances are shifting in ways that challenge this familiar story.
Heidi Xiao
Sep 162 min read


Who Really Gets Rich? Testing the Three Factors Behind Wealth
At business school, my professor shared a statement that challenged the meritocratic ideal many of us wanted to believe in: “The three...
Linda Du
Sep 53 min read


From Economic Capital to Consciousness: How Younger Generations Are Redefining Success
For decades, success was a story told in milestones: a stable job, a mortgage, a pension plan, and perhaps a corner office. But for millennials and Gen Z, this narrative no longer holds the same appeal, or even credibility. Faced with economic volatility, global crises, and shifting social norms, younger generations are reevaluating what it means to live well.
Heidi Xiao
Aug 153 min read


Inside Moola’s Financial Modelling Approach
Managing money can feel complicated, especially without a clear roadmap. Many people struggle to understand how much they can afford to save, whether they’re on track for retirement or how to plan for major life goals.
At Moola, we’ve built a structured approach to simplify these decisions. Our method is inspired by financial models used in business consulting: tools that help companies make confident, strategic choices. Read More
Linda Du
Jul 302 min read


You’re Richer Than You Feel: Combatting Money Dysmorphia
Despite rising incomes and better financial tools than ever before, many individuals, particularly millennials and Gen Z, feel...
Linda Du
Jul 163 min read


Why We're Building Moola and Why Financial Guidance Still Feels Out of Reach
Read about why Linda Du and Susan Ren started Moola Money.
Linda Du
Jun 273 min read
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