Free guides for beginners and families. Real portfolio updates from Zo (age 15) and her dad.
No financial advice — just honest investing lessons.
Every month we share what we invested, what we learned, and where we stand.
Zo picked her first individual stock. Kraken Robotics (PNG) — underwater drones, Ghost Sharks, and a new megafactory. High risk, high conviction.
Q1 earnings report for Kraken Robotics. Will the megafactory hit targets?
Practical UK guides we use alongside Zo's journey.
Compare the top investment platforms for UK investors. Features, fees, and our recommendations.
Find the right ISA provider for your investment goals. Low fees, good service, flexible options.
A beginner's guide to investing. Learn the basics, understand your options, and start smart.
Save for your child's future with a Junior ISA. Compare providers and maximise contributions.
Pension or ISA? Understand the key differences and which is right for your situation.
100% transparent. See exactly where the money goes.
I need £60k in 3 years. Index funds won't get me there. So I'm taking big risks with individual stocks.
This could fail spectacularly. Most teens should stick to index funds. I'm documenting this because I want to learn — not because this is smart.
Dad adds £500/month. I decide where it goes. Learning by doing (and sometimes losing).
Everything we wish someone had told us at 15.
Kraken Robotics (PNG) — underwater drones, Ghost Sharks, and a new megafactory. Here's our reasoning behind this high-conviction pick.
Low-cost, diversified and much harder to mess up. The sensible route for most beginners — even if our own portfolio takes bigger risks.
£60k-£80k for a three-year degree. Tuition + living costs fully broken down.
Crashes scare parents. Here's why buying during dips builds wealth long-term.
UK teens average £3,500-£6,000. But most start from £0. Focus on habits.
£36k invested → £149,000. The numbers are genuinely wild.
Which is better? And what if you have an old CTF? Full breakdown.
Everything UK parents need to know. £9,000 allowance explained.
We tested 5 platforms. Here's what actually works for a 15-year-old.
The magic trick that turns £1,000 into £60,000. Explained for teens.
See how your money grows. The maths that makes starting early powerful.
Books that actually changed how I think about money.
See what YOUR money could grow to
Savings goal, time to £1 million, cost of waiting, ISA tax savings, and more.
Open Money Lab →Hi! I'm Zo's dad. When Zo turned 15, I realised something scary: nobody was teaching her about money.
School doesn't cover it. Her friends don't know it. And let's be honest, most adults are winging it too.
So we decided to do something different: learn out loud.
I gave Zo £1,000 to invest, and we're documenting everything. The wins, the losses, the confusion, the "aha!" moments.
Our goal: Turn that £1,000 into a £60,000 university fund by the time she's 18.
Will we make it? No idea. But we're going to find out together — and you're invited to watch.
"Dad, what even IS the stock market?"— Zo, age 15, Day 1
"Ohhh, so that's why people say start early..."— Zo, age 15, Day 14