When productivity rises, each hour of work produces more value. That extra value can show up as higher pay, higher returns to capital, or lower prices. With AI, the multiplier is larger but unevenly distributed. The people who navigate this best won't predict the future perfectly—they'll understand their current position well enough to adapt. Financial clarity compounds when productivity acts as a multiplier.

As Chief Investment Officer at Plancorp, Lazaroff has spent decades watching people succeed and fail financially. His conclusion? The difference rarely comes down to investment selection. It comes down to behaviour. Lazaroff's philosophy is clear: sustainable wealth comes from mastering core principles, not chasing sophisticated strategies. The challenge? Most of us struggle with the behavioral side. Staying consistent through volatility, aligning spending with values, buildi

Good financial planning isn't about rigid resolutions — it's about anticipating decision points before life forces them on you. The UK tax year ends April 5th, shaping ISA allowances, pension contributions, and capital gains planning. Don't leave tax efficiency to March panic. Flag February–March early as decision months, not admin months. A well-planned year doesn't mean fewer surprises. It means fewer expensive ones.

As the calendar turns and a new year begins, millions of people worldwide experience a familiar surge of motivation to improve their lives. This phenomenon extends far beyond mere tradition; it represents a powerful psychological mechanism that behavioural scientists call the "fresh start effect."

Most people only get a few windfalls in their lifetime. Handled well, they can eliminate years of financial worry and accelerate wealth building. Handled poorly, they disappear far too quickly. If you want to see what your windfall could do for your future, Moola can help you to model the scenarios and help you make the smartest next step.

A New Year's Challenge for Ambitious Earners Who Want to Live Rich, Not Just Die Rich At Moola Money, we're re(reading) Die With Zero this Holiday Season as we reflect and take stock of the experiences and memories we've had in 2025 and we encourage you to read on to understand why. You've done everything right—climbing the career ladder, contributing to your pension, building savings. But, are you still holding off on the present? What if the traditional retirement playbook

The households that dramatically grew their net worth didn't discover secret strategies—they aligned money habits with long-term psychology. The difference between hoping you're on track and knowing? Projections. When you can model how today's decisions compound over decades, everything shifts. Saving an extra £200 monthly isn't deprivation—it's choosing to have options at 50 instead of 58. Stop comparing. Start compounding with clarity.

For over a decade, millennials have been told that the reason we can’t afford homes is because we’re eating too much avocado toast. At Moola, we believe it’s time to stop focusing on the lattes and start focusing on the levers that actually move the big picture.

The holiday season can be a stressful time and brings on financial pressure for many. While overall consumer spending has declined, there's been a notable increase in discretionary "treat" purchases, often fueled by social media trends that promote seasonal overconsumption. In this piece we explore ways to stay aligned with your financial goals during this time without compromising on treating yourself and your loved ones.

The FIRE (Financial Independence, Retire Early) movement sprang in the early 2000s from a niche Internet community that challenged traditional financial wisdom by preaching the underlying idea of autonomy through financial design. At Moola Money, we see it as one possible route of many. The goal isn't necessarily early retirement, but to reach a point where work becomes a choice, not an obligation.

Like most early-stage startups, we had more ambition than engineering capacity when we embarked on building Moola Money. This piece explores how we leveraged AI and no-code platforms to rapidly develop our financial wellness platform for millennials.

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).

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.

The government’s new curriculum represents more than policy change; it’s a cultural shift towards financial empowerment for all.

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.

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.

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.

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.

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.

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.