Making Sense of Money

Some of the clearest ideas in economics aren't in textbooks — they're hanging on my walls. Here's what my collection taught me about value, choice, and what things are really worth.

Most people understand that investing matters — yet millions still postpone getting started. The barrier is rarely knowledge. It's the emotional weight of financial decision-making: fear of choosing wrong, loss aversion, and the tendency to wait for certainty that never comes. Meanwhile, compounding quietly disappears. The biggest investing mistake isn't picking the wrong fund. More often, it's never starting at all.

For a generation raised to believe a six-figure salary meant financial security, many professionals are discovering an uncomfortable reality: earning £100,000 often feels surprisingly ordinary. In cities like London, rising housing costs, childcare, and taxation have created a strange paradox — where someone earning more than 95% of the population can still feel financially constrained. High income, as it turns out, is not the same as wealth.

Money shapes nearly every part of life together, yet many couples never talk about it. The Moola Psychographic Survey helps partners understand their financial personalities across three dimensions: risk tolerance, future planning, and financial awareness. Use your results to spark honest conversations, spot differences, and agree on shared goals — turning financial tension into teamwork.

Fragmented accounts, unclear projections, and constant comparison — modern financial life is overwhelming by design. But the antidote isn't hustle or complex strategy. It's clarity. When you can see your full financial picture, the anxiety quiets and the right decisions become obvious.

Britain has a complicated relationship with money. We'll dissect house prices over dinner, joke about being skint, and grumble about the cost of living — but ask someone what they actually earn? Uncomfortable silence. Share that you're confused about your pension? Even worse. This isn't just awkwardness. It's a pattern with real consequences. When money stays taboo, mistakes go uncorrected, questions go unasked, and financial confidence becomes something only a lucky few inhe

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."

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

At business school, my professor shared a statement that challenged the meritocratic ideal many of us wanted to believe in: “The three most important factors in building wealth are: who your parents are, luck, and hard work, in that order.” It wasn’t exactly the motivational message many of us wanted to hear, but it raised an uncomfortable question: is that really how wealth is built? Over the years, as research and data have mounted, it turns out he was more right than wrong

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.

Despite rising incomes and better financial tools than ever before, many individuals, particularly millennials and Gen Z, feel financially insecure. A recent article in the Financial Times labelled this phenomenon “money dysmorphia”: a disconnect between individuals’ perceived and actual financial health. At Moola Money, we’ve observed this pattern many times. When users go through our financial modeling, they are often surprised to discover that their financial position is s