Sanam Balani
Join readers of Money Manners Monday for hands-on strategies to improve how you save and invest to boost your financial wellbeing using simple systems. Receive these in your inbox every Monday at 8am GMT / 12pm GMT+4 / 2pm SGT.
Money Mojo Memo: Default to Save
Words I like: More money is wasted through inaction than spending badly. Money Mojo Memo: The Default to Save Technique Most high-achievers have a rough idea on how much they spend on entertainment, groceries, transport, etc. That’s fine, but you may be leaving more savings on the table, that you could be investing. Here’s a simple fix I teach clients that kills five birds with one elegant solution. Default to Save: Have your salary or income go into your Reservoir, a current account that...
Your obsession with strategy kills wealth
Most high-achievers have a money reflex that looks responsible…but keeps them stuck: “Give me the plan.” “Give me the steps.” “Give me the optimal approach.” This is going to sound offensive, but I say it with love: Your obsession with strategy might be the biggest thing blocking your wealth. The moment I realised I was operating backwards When I worked in banking, my days were intense and long. I’d often finish feeling mentally and physically drained. At night I’d promise myself: “Tomorrow...
Multi-currency chaos in 2026? I battle-tested a solution for you.
Happy New Year! If you’ve been following my work for a while, you know I have a slightly visceral need to do proper due diligence and test solutions on myself before I share them. Which is why I’m genuinely excited (and a little proud) to share my first brand collaboration — with Lunch Money, a global budgeting app. If you operate in multiple currencies across multiple banks, this one’s for you. Brainstorming our first collaboration with founder, Jen Yip As a fellow expat juggling SGD, EUR,...
5 Questions to Ask Yourself Before 2026
Thank you for trusting me with your inbox this year. If you're reading this, you care about building a healthier relationship with money - and I don’t take that lightly. This is my last newsletter of 2025. I hope this year brought you closer to your financial goals, and that 2026 takes you even further! 📅 What’s Coming [January] A Banker's Guide to Index Investing (Reply with "WAITLIST" to join) [Ongoing] Secure a Wealth Breakthrough - Book a Call Want to work together in 2026? Apply here....
Major client win that ended her analysis paralysis
I'm celebrating a major client win this week. Fandumem (aka Fandy) earned well, but her money was a mess. A dozen accounts with no purpose. Random stock picks. Financial goals with unclear timeframes. And endless TikTok/YT advice that left her exhausted. "I'm tired of learning without applying…I'm ready to build wealth for real this time." First, I want you to know I'm giving away the exact investing system in early January. Want the Exact System Fandy Used? I'm opening a free Index Investing...
Your 2026 Wealth Plan (30-day risk-free trial)
Hi Reader, You're watching others build wealth while you're stuck in analysis paralysis, drowning in generic advice that doesn't fit your life. Let's fix that. I created the 1:1 Wealth Clarity Accelerator for young high-achievers who want more than investment advice - you want to fund what matters to you while building long-term security. Clients see drastic transformations in 3-6 months. But here's what matters most: I offer a 30-day money back guarantee. That means you can invest in...
Working too hard on your way to nowhere.
Back in the middle of 2018, I was working +70-hour weeks at Goldman Sachs. I knew that in the next few years, I'd quit to either join a startup or build my own business, to create a real impact on society. The big problem at that time was that I didn't know how much money would be enough to quit. I used to live below my means and save at least 20% of my monthly income, but I figured the more asset classes I invested in, the better my chances of feeling secure if and when I ever took the leap....
How my fee often pays for itself (+ a limited Completion Bonus)
Hey - Sanam here. I’ve been thinking a lot about what it means to build a trusted financial wellbeing brand. Not a brand that shouts whenever there’s a “sale”. A brand you turn to when you finally want to stop winging it with your money. Most of my 1:1 clients say some version of this at the end of our work: “In hindsight, I’d have paid a lot more for this.” “Damn, I now see how banks make so much money.” “I can actually see my finances growing now.” So today, I want to walk you through the...
Build Your First $100K by June 2026 (3 Spots Only)
Last month, I had a realisation that changed everything about how I coach. I was reviewing testimonials from past clients - people who'd gone from financial chaos to investing their first $20k, $50k, even $200k by themselves. The results were real. The changes were profound. But then I started noticing a pattern in the follow-up messages I'd get months later. "Some of my life financial goals don't excite me anymore." "Life got busy, and I stopped tracking my spending." "I wish I still had you...
5 Red Flags Your Financial Advisor Hopes You'll Ignore
Picture this. Over 1,000 financial advisors and coaches at FinCon, the conference I attended in the US. All looking to deepen their expertise and pockets. And one evening weeks before my flight, I received an email. I'd been invited to an intimate dinner by a dear friend, founder, and OG Financial Coach, Kelsa Dickey. I did not expect what followed. I sat amongst the biggest change-makers in Personal Finance. And next to me, a man who spoke little… but captivated everyone. This is how I met...
Join readers of Money Manners Monday for hands-on strategies to improve how you save and invest to boost your financial wellbeing using simple systems. Receive these in your inbox every Monday at 8am GMT / 12pm GMT+4 / 2pm SGT.