L y v L
Live Your Valued Life
Free financial education for 16–21s · UK

What LyvL is

Free financial education personalised to your job. Learn to budget, invest, build credit and start a side hustle — in plain English, from creators who've actually done it.

What LyvL is not

LyvL is not FCA-authorised and provides no regulated financial advice. Always speak to a qualified financial adviser before making real money decisions.

By continuing you confirm LyvL is an educational and social media curation platform only, and does not provide regulated financial advice.
Step 1 of 4
Where are you
right now?
We'll personalise your money education feed to where you actually are — not some generic one-size-fits-all advice.
Skip personalisation
Step 2 of 4
What kind
of work?
Your job changes everything — your pension, your tax, your rights, your money moves. Pick the closest match.
Step 3 of 4
What are you
working toward?
Pick your biggest priority right now. You can change this anytime.
Step 4 of 4
One last
thing
Help us make LyvL better. Takes 30 seconds — completely optional.
How did you hear about LyvL?
How confident are you about money right now?
Not at allVery confident
Anything you'd love LyvL to cover?
Or email us directly: feedback@lyvl.co.uk
LyvL
education · not advice
Your money feed
Smart money moves — personalised to your job & goals
Complete your profile to personalise your feed
Edit
Ask LyvL
Ask LyvL anything about money
Educational responses only — not regulated financial advice. Always verify with a qualified adviser.
LyvL is an educational and social media curation platform. Not FCA-authorised. Not financial advice.All content is for general educational purposes. Always verify independently and speak to a qualified financial adviser before acting.
Savebuild your financial safety net — step by step
Your savings goal

Set a savings goal and track your progress here — holiday, car, first home, emergency fund.

The emergency fund ruleSave 3 months of living costs before you invest a single penny. If you spend £800/month, your target is £2,400 in an easy-access Cash ISA. This is the one financial move every educator agrees on. Do this first.
Compound interest — why starting today beats starting with more later£50/month from age 18 at 7%/year = £131,000 by age 60. Same £50/month from age 25 = £75,000. Starting 7 years earlier more than doubles the outcome. Time is the unfair advantage you have right now.
LISA — the government gives you free moneySave up to £4,000/year into a Lifetime ISA and the government adds 25% — up to £1,000 free per year. Must open between age 18–39. Closes to new applicants April 2028. Open one with £1 now to lock in access. Use it for your first home or retirement at 60.
Need to budget your spending? Head to the Spend tab to break down where your money goes each month and see your 50/30/20 split.
LyvL is an educational and social media curation platform. Not FCA-authorised. Not financial advice.Always verify figures independently and speak to a qualified financial adviser before making any financial decision.
Spendsee exactly where every £ goes — and take it back
£0
enter your income below to get started
Monthly income
£0
Total outgoings
£0
Your monthly spending
£
£
£
£
£
£
£
2025/26 numbers — know your rightsTax-free allowance: £12,570. NI threshold: £12,570. Min wage 18–20: £10.00/hr. Age 21+: £12.21/hr. Trading allowance: £1,000/yr tax-free. If your employer pays below minimum wage, they're breaking the law.
Quickest win — the subscription auditThe average person aged 16–24 pays for 4+ subscriptions they barely use. Open your banking app right now. Cancel anything untouched in the last 3 weeks. That's usually £20–30 back per month with zero effort.
LyvL is an educational and social media curation platform. Not FCA-authorised. Not financial advice.Always verify figures independently and speak to a qualified financial adviser before making any financial decision.
Challengescompete, build habits, hit your goals
Money challenges that actually workResearch shows people who set specific, time-bound goals save 2× more than those who don't. These challenges are designed to build real habits in 30 days or less. Join one and track your progress here.
Active challenges
Coming soon — friend challengesChallenge a mate to a savings race. Leaderboards, group goals, and social sharing are on the roadmap. Got a challenge idea? Drop it in the feedback box in your profile.
LyvL is an educational and social media curation platform. Not FCA-authorised. Not financial advice.Challenges are for motivation and habit-building only. Always make financial decisions based on your own circumstances.
Investgrow wealth from £1 — your age is your biggest asset
Your age is the only advantage money can't buy£100/month invested from age 18 at 7% average return = £262,000 by age 60. Same £100/month from age 30 = £122,000. Compound interest is the closest thing to a financial superpower — and it only works with time. Start now, even with £1.
Step 1 before you invest a single pennyEvery financial educator agrees: build your emergency fund first. 3 months of living costs in easy-access cash. Without it, one bad month forces you to sell investments at exactly the wrong moment and wipes out your progress. General educational guidance — not personal advice.
Investment options
Compound interest calculator
£
yr
%
£—
Enter amounts above to see your projection
LISA deadline — April 2028The Lifetime ISA closes to new applicants April 2028. Open one now with just £1 to lock in access. The 25% government bonus is one of the best deals in UK personal finance. Source: 2025 Autumn Budget.
LyvL is an educational and social media curation platform. Not FCA-authorised. Not financial advice.Always verify figures independently and speak to a qualified financial adviser before making any financial decision.
Hustlepassive income, side hustles & extra cash — your way
UK side hustle tax 2025/26 — what you need to knowEarn up to £1,000/year from side hustles completely tax-free. This is the Trading Allowance. Over £1,000? Register as self-employed with HMRC — free, 10 minutes, gov.uk. Gig work counts as self-employment — set aside 20–25% for tax above the allowance. Source: HMRC.
Side hustle ideas
Want your personalised income pathway?Head to the Me tab — we'll build a step-by-step earning plan based on your job and goals.
LyvL is an educational and social media curation platform. Not FCA-authorised. Not financial advice.Always verify figures independently and speak to a qualified financial adviser before making any financial decision.
Learnfinancial literacy — 12 things school never taught you
Financial literacy — the stuff school never taught youISAs, compound interest, credit scores, good debt vs bad debt, NI, inflation. These 12 concepts are the foundation of every smart money decision you'll ever make. Every financially confident adult knows them cold. Tap any term to learn it in under 2 minutes.
Curated mentors
Social media curation — not endorsementsNo commercial relationships with anyone listed. Listing is not a recommendation. Think critically and verify independently.
Global mentors
US-based — globally relevant principles
Gold standard UK sourceMoneySavingExpert.com (Martin Lewis) — free, FCA-registered, has saved UK consumers billions. Check here first.
LyvL is an educational and social media curation platform. Not FCA-authorised. Not financial advice.Public figures referenced for educational illustration only — not endorsements. Always verify independently and speak to a qualified financial adviser before acting.