Making Sense of Money

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.

At business school, my professor shared a statement that challenged the meritocratic ideal many of us wanted to believe in: “The three...

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.

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

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

Read about why Linda Du and Susan Ren started Moola Money.