What does it take to go from counting coins as a child to becoming a homeowner and financial leader in Luxembourg? For Ala Presenti, co-founder of the investment app Moniflo, the answer lies in curiosity, discipline, and aligning money choices with personal values.

In this episode of Money Talks, Ala shares how growing up with limited means in Moldova shaped her approach to money. Encouraged by her mother to manage finances from the age of five, she learned early on that every euro counts.

Today, Ala combines her role as CFO of InvesTRe with a mission to make investing simple, sustainable, and accessible to everyone. She recalls her first €50 investment in a fund while working as a junior employee, a step that felt “empowering” and proved that you don’t need a large salary to begin investing.

Ala emphasizes three key principles:

Start small, but start now. Even modest amounts add up over time.
Invest regularly. Consistency builds security and long-term growth.
Align money with values. Whether choosing funds or stocks, Ala prioritizes sustainability and impact.

Her advice to young people in Luxembourg? “You don’t need a lot of money to invest. It’s about how you manage what you have.”

Tune in to the full episode to hear how Ala balances risk and builds financial security.

This podcast is a paid partnership with ALFI.