Money at each stage of life
What usually matters most at each stage, and where to read more. Everyone’s order will differ a little.
The stages
Students and first jobs
Learn your number and join your workplace pension. UK student loans charge interest. If you’d rather avoid that, look first at bursaries, scholarships, family support and work, and ask a scholar you trust before you decide.
Saving for a first home
Decide how long you can lock money away, then compare accounts and home purchase plans at the same deposit.
Marriage
A religious ceremony alone may not create a legally recognised marriage in England and Wales, which can affect inheritance and other rights. Check before you assume.
Children
Build a bigger cushion, write a will that names guardians and look at long-term saving for them.
Mid-career
Check your pension fund and charges, keep investing and review your will after big changes.
Nearing retirement
A single equity fund won’t reduce risk as you get closer. Think about when you’ll need the money, and use MoneyHelper’s free pension guidance.
Education, not advice. Rates, rules and terms change, so check with the provider or gov.uk before you decide.