Hundreds of clients coached, 1,000+ workshop participants

Let me help you be great with money.

Earning well but still broke at the end of the month? I'm Luca, a Certified Money Coach. Together we build your money map, fill the knowledge gaps and keep you going.

Certified Money CoachNo products, no commissionsColumnist, Times of Malta
Luca Caruana laughing during a TV interview
Certified Money CoachColumnist, Times of Malta
Trusted by teams at
HSBCPwC MaltaMeDirectMGAEvolutionDerivThomas Smith GroupAlf Mizzi & SonsNectar9H DigitalSiegfriedMalta Institute of Accountants
Bestselling course · Taught in Maltese

Investing Made Simple

The course that took hundreds of Maltese and European professionals from "I don't know where to start" to their first investment, in four weeks. No jargon, no products pushed, no pressure.

  • 4 live online sessions, recorded if you miss one
  • Cohort WhatsApp group and lifetime access to the materials
  • Education only: you decide what to buy, never a sales pitch
"Luca helped me understand all I needed to know to start investing. 10/10!"
Angele Azzopardi, Freelance Creative Director
Applications open for January
Next cohort starts11 January 2027
FormatEvery Monday, 4 weeks
Investment€175

Live online, taught in Maltese. €175 if you book by 31 December, €195 from 1 January.

Apply for the January cohortFull course details and FAQ
The things we don't say out loud

Does any of this sound like you?

"I earn well. So why is there nothing left on the 28th?""My partner and I only talk about money when we're fighting about it.""I've been meaning to start investing for three years.""I'm 38 and I still don't have an emergency fund.""Everyone thinks I'm doing fine. I'm not.""I don't open the bills. I know, I know."

Nobody taught us this. Most of us were told not to even talk about it. That silence is the real problem, and it's the first thing we fix.

Book a 10-minute call
Coaching

Coaching, one-to-one

Online from anywhere, or in person in Malta. You leave every session with a simple money map and clear next steps.

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For you

Individual Coaching

A one-to-one journey to rewrite your money story, fix the habits that keep you broke and start investing with confidence.

Learn more →
For two

Couples Coaching

Talk about money without the awkwardness, align your goals and plan your future together.

Learn more →
Not ready for a programme? Start with one session.A 90-minute deep-dive on one money question. Property or stocks? Pay the loan or invest?
Book a single session →
Luca Caruana speaking at an event
About Luca

Hello, I'm Luca.
Your money coach.

I brought money coaching to Malta in January 2023, when nobody here had heard of it. Since then I've coached hundreds of Maltese and European professionals who earn well but feel stuck: the ones who never learnt how money works and were told not to ask.

I don't sell products and I don't tell you what to buy. I help you understand your money story, fix the habits that keep you broke, and start investing with a plan you actually understand.

2023brought money coaching to Malta
1,000+workshop participants
70+Times of Malta columns
Luca speaking at the Malta Institute of Accountants
For companies

Financial wellbeing workshops your team will actually enjoy.

Engaging, practical sessions on the psychology of money. Delivered to HSBC, PwC Malta, MeDirect, Thomas Smith Group and more.

"Luca is the only person that addresses the psychological aspect of money, and that part got people the most involved and intrigued."
Christine Borg, Engagement & Culture Manager, HSBC
Enquire about a workshopLunch-and-learn, half-day or series. Online or on site in Malta.
As published in Times of Malta

The Money Coach column

Every fortnight, a real reader writes in with a money story they've never told anyone. I answer in Malta's national newspaper. 70+ columns and counting.

Read the column
The Money Coach column, Times of Malta17 Oct 2026 · Times of Malta'My wife earns three times my salary, and it's secretly getting to me'The Money Coach column, Times of Malta3 Oct 2026 · Times of Malta'I own seven properties and make up to €16,000 a month. And I still can't stop'
Got a money story you've never told anyone?

Write in anonymously. It might be the next column, and the answer might be the one you needed.

Send your story
Reviews

Don't take my word for it

I was a mess when we started. Just 2 months later I'm already seeing the improvement on paper and mentally.

Lorraine SammutKey Account Manager

Luca doesn't dictate investment choices. He opens up a world of possibilities so I can decide.

Carmelo RomanoCTO

I appreciate Luca's no-BS, no bells-and-whistles approach. Practical solutions I can repeat.

Hannah CremonaBusiness Strategist & Mentor
Read all 20+ reviews →
Money Types

Which money type is running your money life?

Some days you're the Warrior in the driving seat. Other days the Innocent or the Martyr takes over, or the Fool goes on a splurge. Know your type and you can become the Magician: calm, confident and in control.

InnocentVictimWarriorMartyrFoolCreatorTyrantMagician ✦

Want your money working as hard as you do?

Let me show you how. Based in Malta (EU), coaching clients all over the world via Google Meet. No products, no commissions, no judgement.

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UNSPOKEN, the letterOne true money story, every fortnight. The kind nobody tells at dinner.

Real people, real numbers, names changed. What they did, what it cost them, and what you can take from it. No tips lists, no hard sell.

500+ readers. Unsubscribe any time.