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​

It’s a bit wild that 2025 ends tonight.

Over the last few years of building Money Mojo, I’ve found myself reflecting on money in a different way - less as a set of numbers, and more as a story made up of beliefs, habits, and choices.

It’s been one of the most clarifying exercises I do.

Most financial reviews focus only on net worth or savings rates. But money is deeply personal. It’s tied to your values, your fears, your relationships.

So this year, I’m sharing 5 questions that help you reflect on your money story - the good, the challenging, and everything in between. These aren’t just about what happened. They’re about why it happened and what you’ll do next.

☕️ How to use this:

Don’t just skim these questions like you do your terms and conditions. Block 60-75 minutes, grab your favorite drink (mine’s currently coconut water), and actually write down your answers. Pull up your bank statements, your calendar, your photo roll. Get honest.

Ready? Let’s go.
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1️⃣ What was your biggest financial win this year?

Maybe you invested your first €10,000. Maybe you saved for a house downpayment. Maybe you set a spending limit, or even set a boundary around leaving work on time to protect your hourly rate.

Whatever it was, write it down. Let yourself feel proud. Financial progress isn’t just about hitting numbers - it’s about the small, brave decisions you made along the way.

Mine: I froze my eggs, after years of major lifestyle changes to improve my health. The process wasn’t as daunting as it looks, but it came at a meaningful financial cost - and bought me a level of peace I longed to have.
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2️⃣ What money mistake are you still thinking about?

We all have them. The impulse purchase you regret. The investment you didn’t make. The credit card bill that you forgot to pay off on time.

The goal isn’t to beat yourself up. It’s to understand the why behind the decision. What were you feeling? What need were you trying to meet? Once you understand it, you can make a better choice next time.

Mine: I spent £947 on a Paid Ads course I barely used. It still haunts me to think I dipped into my savings for this. But I’ve let it go. It taught me to slow down before buying hope in a shiny package.
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3️⃣ What financial habit do you want to bring into 2026?

What worked for you this year? What made money feel less stressful or more aligned with your goals?

Maybe it was automating your savings. Maybe it was checking your accounts weekly instead of avoiding them. Maybe it was having honest money conversations with your partner.

Whatever it is, commit to keeping it.

Mine: I looked at my bank account far more often than I used to. It used to make me uncomfortable; now it gives me clarity - and it pushes me to think bigger. I can’t improve what I avoid.
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4️⃣ What financial habit are you leaving behind?

This is the flip side. What drained you? What kept you stuck?

Maybe it was comparing yourself to others on social media. Maybe it was saying yes to every dinner invite even when you couldn’t afford it. Maybe it was avoiding your student loans.

Write it down. Then decide: this stays in 2025.

Mine: Turning down opportunities due to fear. In hindsight, these opportunities could’ve led to more case studies, momentum, and future financial upside. I'm saying Bye! to this pattern.
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5️⃣ What’s your biggest money goal for 2026?

Not the safe, “I should probably do this” goal. The one that actually excites you. The one that, if you accomplished it, would change how you feel about money.

Maybe it’s building a 6-month emergency fund. Maybe it’s taking that trip you’ve been putting off. Maybe it’s finally investing in that business idea.

Whatever it is, make it specific. Make it yours.

Mine: To take my parents to Switzerland in April. It won’t be cheap, but I already know the core memories will be worth it.

🎯 Take Action

I’ve done this reflection every year since I quit Banking, and it’s transformed how I think about money.

Some years, my answers surprise me. Other years, they confirm what I already knew but was too scared to change. Either way, it brings you back to what matters.

If you want accountability, reply to this email with your answer to Question 5. I read every response, and I’d love to help you meet this goal.

Here’s to making 2026 your best financial year yet.
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📚 What I Read This Year

Books that changed how I think about money, life, and everything in between:

• ​The One-Page Financial Plan by Carl Richards - Proof that you don’t need a 50-page spreadsheet to get your financial life together.
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• ​The EMyth Revisited by Michael Gerber - Taught me that working in your business vs. working on it is the difference between exhaustion and actual wealth-building.
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• ​10x is Easier than 2x by Dan Sullivan and Dr. Benjamin Hardy - Turns out, thinking bigger is less stressful than grinding harder for marginal gains (who knew?).
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• ​Too Good to be True by Prajakta Koli - A refreshingly honest memoir about ambition, money anxiety, and figuring out success on your own terms.
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• ​The Mountain is You by Brianna West - Made me realize that half my “money problems” were actually just me self-sabotaging in disguise.
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💡 My Top 5 LinkedIn Posts From 2025

These resonated most with my community this year:

1. ​I saved my Bank from a major trading scandal. That night, my dad said 1 thing that made me quit w/o regret. - The story of how doing the “right thing” at work led to the hardest (and best) career decision of my life.
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2. ​Launching by 72-Hour Investing Blueprint - Endorsed by renowned Certified Financial Planners, and supported by Banking MDs & VPs. The (only) alternative to trusted investing without spending their entire weekend reading Reddit threads.
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3. ​My former colleague bragged about his $200K salary. - A reality check on why high income ≠ financial security (and why lifestyle creep is the silent wealth killer).
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4. ​Case Study of an Operations Manager - How one client went from “I’ll never be able to invest” to building a real portfolio in 90 days.
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5. ​The Habitto Experiment: Building Japan’s First Behavioural Finance Coaching Program - What happens when you combine psychology, finance, and a willingness to try something completely new in a foreign country.
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Bonus: The Fear of Quitting Investment Banking -The internal wrestling match between golden handcuffs and actually living the life you want.
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🎁 Free Resource

​The 72-Hour Investing Blueprint: How to Turn Your Paycheck Into a Wealth Machine Without Hours of Research or FOMO​

Stop overthinking your investment strategy. This guide walks you through exactly how to start investing in one weekend - no finance degree, no analysis paralysis, no watching your money sit in a savings account earning 0.02% interest. Just a clear, step-by-step plan that actually works.
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I’m truly grateful you’ve followed along as I’ve built Money Mojo this year. Thanks for being part of this little corner of the internet!

Here’s to a wealthier, calmer 2026.

Sanam

P.S. If this resonated with you, forward it to a friend who's working on their money goals, too. They can subscribe here.