The FINANCIAL WELLNESS MANIFESTO
5 proposals. Real data. No party lines. Just the truth about what Maltese people are going through with their money — and what needs to change.
Every election talks about roads.
Nobody talks about money.
After hundreds of hours with clients, followers and ordinary Maltese people who opened up to me about their financial lives, one truth is undeniable: financial stress is silent, widespread and completely ignored by those who seek our votes.
This manifesto belongs to no party. It is a direct challenge to all of them. Five proposals, backed by real data, shaped by real conversations, owed to real people.
"Financial wellness is not a luxury issue. It is the defining quality of life issue of our generation."
What needs to change
Financial education compulsory in every school
We teach algebra. We teach history. We do not teach our children how compound interest works, how to budget a salary or what a pension actually is. That ends now.
A free, impartial national financial wellness office
A public body with no product to sell, where any Maltese citizen can turn for honest, impartial financial guidance. It does not exist. It should.
Auto-enrol every worker into a pension from day one
Two thirds of Maltese adults expect to retire on the state pension alone. That is not a plan. Auto-enrolment, proven globally, closes this gap without taking away anyone's freedom to opt out.
Create a first-time investor incentive scheme
A minimum wage couple can afford just 2.2% of properties on the market. Property cannot be the only path to wealth. A government-backed incentive for first-time investors opens a second door.
Make financial wellness a workplace right
57% of employees say money is their biggest stressor. Employers must be required, not merely encouraged, to provide a minimum standard of financial wellness support. Malta can lead on this.
Share this.
Make them answer.
Which of these proposals will our political parties commit to before election day? The people deserve an answer. Not a press release. A real commitment.
Share this manifesto and help put it on the national agenda.