Halimah

No, the advice does not suddenly become irrelevant on your 35th birthday.

The writing style, presentation and tools recommended are optimised for the younger generation. This does not mean people who are 35+ can't use the service.

In fact, a little above 60% of the website's traffic comes directly from search engines. Less than 10% of these users make it to the homepage. They have no idea the website is designed for the under-35s, and they use it still.

The tools are relevant for everyone. It's just much easier to focus on one or two age groups now rather than everyone.

Thank you!

Also from the homepage: >> Discover what others say about a financial product or service before committing to it. Our Reviews section also gives you a full breakdown of each product or service, answers to FAQs, and alternatives to each product.

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I don't write the reviews. Users do. I only go a step further than Trustpilot by providing a detailed breakdown of the available services and answers to FAQs. I try to make the site as independent and unbiased as possible. In the future, the results of the Reviews pages will inform some of what goes into the "recommendation" tables.

Currently, I use data from Trustpilot and other reviews sites to select the top picks. I also consider pricing, number of services on offer, availability of mobile and web apps, relevance to the under-35s, etc.

I hope this makes sense.

Yes, very much so. Once I've sufficiently validated the idea in the UK, I plan to extend it to the US.

The average young adult in the UK has to visit about three websites - Money Saving Expert, Reddit, and Trustpilot to find enough information to make a decision on what financial platform to use or product to buy.

Every year, Google receives about 840,000 queries for "best savings accounts" in the UK alone. And there are many more queries like this. I am building Koody as a hub of information to help young people make smart financial decisions.

I am aware that the journey ahead is still far, but I am happy with the progress I've made.

I launched Koody on HN in August last year. Back then, I didn't understand the scale of the problem or how best to solve it. In the last three months, I have overhauled the entire website and watched people actually use it to make decisions.

I am presenting Koody to HN today to get feedback and suggestions on how to make it better and more useful for the under-35s.

Hi everyone! I have just launched a community to support my initial website. Users can ask money-related questions and receive opinions from verified financial experts and the general public. I’d appreciate your thoughts!

Hi! Thanks for your feedback. The booking system will be integrated into the direct messaging system. Users will be able to request formal financial advice by clicking a button while chatting with an adviser. You are right on monetisation!

If you have any more questions, please let me know.

Hi everyone, I am building a community to connect people to financial advisers and money bloggers. Anyone can ask a question and receive answers from verified financial experts and the general public at absolutely no cost. This is only the MVP. In the next version, there will be a system that allows users who want to receive formal financial advice to book financial advisers directly from the community.

Please have a look at the community, and share your thoughts with me. I would appreciate your feedback. Feel free to sign up and engage too!

Yup. There are three different easy-access accounts offered by NS&I:

  1. Income Bonds
  2. Direct Saver
  3. Investment Account

Thanks for the feedback!

Yes, I read Monevator a lot. I actually really like it. It has good content on passive investing.

Thanks for the feedback! I'm working in on it.