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NEW FINANCIAL SERVICES REPORT - The Economic Abuse Threat in the UK.

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Securing fair financial futures for all

6 Moments That Matter for everyone

6 Moments That Matter is a way of thinking about our money and our life. It helps us to work out steps we can all take – whether we are an individual, a parent, an employer, a business or a policymaker - to secure our own, our loved ones’ and society’s financial future.

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“This event was the most interesting and relevant I have attended for some years.”

How 6 Moments That Matter works

6 Moments That Matter works on the basis that we all face Risks in Life that have the potential to affect our financial security. The Moments That Matter are points in our lives which prompt us to reflect on how we are approaching our financial future.

With risks come opportunities and understanding the Risks in Life we face and how they affect our money enables us to manage our financial wellbeing today and to take ownership of our financial future tomorrow.

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Growing up, Studying & Re-Qualifying

Experiences and opportunities while growing up, qualification choices, student life and ongoing skills development can have far-reaching financial consequences.

Differences in people’s earnings are often influenced by education and skills, and the career they open up and return to.

Jobs and workplaces are changing, requiring lifelong learning. Making informed decisions, having the opportunity to maintain our skills and to invest in our development supports our long-term financial wellbeing.

Together, Risks in Life and 6 Moments That Matter make up our Financial Life Journey.

Risks in Life

Our Risks in Life vary depending on the education paths we take, the jobs we do, how we form relationships and families, and our healthy wellbeing in working life and in retirement.

In the diverse society we live in, Risks in Life are also affected by intersectional differences, for example to do with our gender and ethnicity, whether we live with disabilities as well as our cultural and lifestyle beliefs.

12 top level financial Risks in Life that affect all of us are highlighted here. They are collectively called Perils & Pitfalls and they all have a name so we can remember them.

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Financial Capability Imperative

Financial Capability Imperative

Many of us find managing financial matters complicated. At the same time, we all face different combinations of Risks in Life and experience our own unique Financial Life Journey. Life is becoming less linear with more to consider in navigating our financial future.

Living longer, working longer, more flexibly, and changes in relationships means decisions about life and money are ever more complex, with implications for financial security. Being engaged in financial life decisions, seeking out and being afforded access to relevant financial information, guidance and advice empowers people to make informed decisions that reflect their Financial Life Journeys.

Financial Life Journey

We all have our own unique Financial Life Journey made up of different combinations of Risks in Life and Moments That Matter. Some people experience similarities in their Financial Life Journey – for example, women and other diverse groups.

Considering Financial Life Journeys for a particular group of people or a specific Risk in Life can identify changes to address financial gaps that affect many people’s financial futures.

The 6 Moments That Matter help focus our attention on the Risks in Life we face through our Financial Life Journey, they prompt us to equip ourselves so that we can make informed and positive choices that reflect our life circumstances and aspirations for our own, our loved ones', our colleagues’, our customers’ and society’s financial future.

Click to see Althea’s Risks in Life & Moments That Matter on her Financial Life Journey

Interactive Financial Life Journeys

See how the Risks in Life arise and accumulate throughout our lives, and how the 6 Moments That Matter help prompt individuals and organisations to make changes that improve Financial Life Journeys.

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