The gig economy is seeing a shift away from traditional employment to more flexible ways of working, and the sharing economy is changing our relationship with everything from housing to cars. As dependence on the state is replaced by financial self-reliance more and more people are taking personal control of their finances. Whether looking to service student finance, get on the property ladder, take that dream trip or plan for retirement everyone would benefit from establishing a financial plan. Muckle believes that education is the key to engaging the next generation of savers and investors and in its Academy seeks to demystify key personal finance issues in a way that is accessible and practical. We welcome your real life experiences.