Coaching · Online or in person in Malta

The money conversation you never got to have.

Not a budget lecture. Not a product pitch. An hour with someone who listens first, then helps you build a simple money map you'll actually follow.

Book a 10-minute callSee the options
Certified Money CoachGoogle Meet or in personNo products, no commissions
Luca Caruana, smiling
How it works

Three steps. No homework before the first one.

01

A 10-minute call

Free, no pressure. You tell me what's going on, I tell you honestly whether coaching will help and which option fits.

02

Your money story

The first session is about where your habits came from, not a spreadsheet. We find the pattern before we touch the numbers.

03

Your money map

A one-page plan you understand and can repeat: what comes in, what goes where, what you're building towards. Then we keep you on it.

The options

Pick the shape. We'll agree the details on the call.

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For you

Individual Coaching

A one-to-one journey over several sessions. Rewrite your money story, fix the habits that keep you broke, build the emergency fund, and start investing with a plan you understand.

  • Best for: earning well, nothing to show for it
  • Your own forecasting and expense-tracking templates
  • Written follow-up after every session
Book a 10-minute call
For two

Couples Coaching

Talk about money without it turning into a fight. Understand each other's money types, align on what you're building, and set up accounts and habits that work for both of you.

  • Best for: one saver, one spender, or two who never talk about it
  • Both money type quizzes, read together
  • A joint money map and a bills setup you both agree on
Book a 10-minute call
Not ready for a programme? Start with one session.A 90-minute deep-dive on one money question. Property or stocks? Pay off the loan or invest? Take the job or not? You leave with a simple map and clear next steps.
Book a single session
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'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.

From coaching clients

Don't take my word for it

I was a mess when we started and you really helped me in more ways than I thought you could. Thanks to your feedback I learned that I'm great with short-term goals and what I lacked was guidance for long-term ones. 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, enabling me to make informed decisions about my savings.

Carmelo RomanoCTO

Luca has exceeded our expectations by actively listening to our needs. He presented multiple tailored scenarios that allowed us to choose the best path for our financial goals. His personalised approach made managing finances less daunting.

Marlene AgiusGestalt Psychotherapist

As a very practical person I appreciate Luca's no-BS, no bells-and-whistles approach. Practical, easy-to-implement solutions with a structure I can repeat.

Hannah CremonaBusiness Strategist & Mentor

My husband and I had a couple of sessions with Luca regarding our finances. He explained the various options of investing very clearly and in a way which, as beginners, we understood. He also went out of his way to follow up after the meetings.

Anna DebonoProject Coordinator

The model Luca has shifted my understanding of money, my relationship with money, and eventually brought awareness to my true potential, which allowed me to get back to the business idea that was long on my mind.

Ieva StrekaiteEntrepreneur
Before you book

The questions people actually ask.

Is this financial advice?
No. Luca is a Certified Money Coach, not a licensed investment adviser, and Money Coaching Hub is not a regulated investment firm. Coaching helps you understand your own behaviour, build a plan and make informed decisions. Nobody tells you what to buy and no products are sold.
How much does it cost?
It depends on the shape: a single session, an individual programme or couples coaching. I'll give you the exact figure on the 10-minute call, once I know what you need, so you're not paying for sessions you don't.
Online or in person?
Either. Most sessions run on Google Meet, which is how clients from across Europe work with me. If you're in Malta and prefer to sit across a table, we can do that too.
Do I need to prepare anything?
Nothing before the call. Before the first session I'll send a short intake form so we don't spend your hour collecting numbers. Bring honesty; the numbers can be messy.
What if I'm embarrassed about my situation?
Everyone is, at first. I've sat with people earning six figures with nothing saved, and people with hundreds of thousands in the bank too scared to move it. There's no situation I haven't seen, and none I'll judge.

Ten minutes. No pitch. Just a conversation.

Tell me what's going on with your money. I'll tell you honestly whether coaching will help.

Book a 10-minute call