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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
3 days ago3 min read


How to Make UK Tax Benefits Work for You
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 173 min read


Why We’re Building Moola Money
Read about why Linda Du and Susan Ren started Moola Money.
Linda Du
Jun 273 min read
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