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 actual math of how my 6-month €3,500 coaching fee often pays for itself - and then I’ll share a new, limited Completion Bonus I’m introducing for people who fully commit.

6 Ways My Fee Pays for Itself (and Then Compounds)

Before we break it down, here’s the 20-year picture at a glance:
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1️⃣ The Inflation Drag 📉

Leave €10,000 in cash: after 1 year with 3% inflation, it still says €10,000 but buys what €9,700 used to.

Invest it with a long-term illustrative 7% return: after 1 year ≈ €10,700, after 20 years ≈ €38,700.

Meanwhile, the purchasing power of €10,000 left in cash for 20 years at 3% inflation is closer to €5,500 in today’s terms.

→ The point isn’t “get rich in a year”. It’s that delaying investing delays 20+ years of compounding.

2️⃣ Finding Your Hidden Money 🔍

Clients typically find €200-€600/month in “autopilot spending” that doesn’t actually feel that meaningful — unused subscriptions, convenience buys, habits that don’t add real joy.

Redirected toward investments or goals, that’s €2,400-€7,200/year working for them instead of disappearing in the background.

The goal isn’t “no fun”. It’s less autopilot, more intentional joy.

3️⃣ The Quiet Tax Boost You’re Ignoring (not tax advice) 🧾

Depending on where you live, clients often unlock around €800-€2,400/year in extra value from:

• Employer pension matches
• Tax wrappers they weren’t using

I’m not a tax advisor - I don’t give tax advice.

My role is to help you spot the gaps and then use the options your system already gives you (and, where needed, speak to a qualified tax professional).

4️⃣ The €50,000 Behaviour Gap 📊

DIY investors often underperform the market by 2-3% per year due to emotional decisions (buying high, selling low, sitting frozen in cash).

On a €30,000 portfolio over 20 years:

• At ~7%: it could grow to around €116,000.
• At ~4%: roughly €65,700.

That’s about €50,000 lost purely to behaviour.

We build a simple, rules-based plan so your emotions stop quietly costing you five figures.

5️⃣ The €48,000 Fee Leak 💸

Many clients don’t actually know what they’re paying in total platform + product + advisory fees - they just see “performance”.

When we unpack it, it’s common to find 1.5-2% per year in layered costs.

By simplifying and moving to low-cost funds, reducing fees by 1-1.5% on €50,000 = about €500-€750/year saved.

Over 20 years, assuming a 7% gross market return:

• Low-fee (~7% net): €50,000 → ≈ €193,000
• High-fee (~5.5% net): €50,000 → ≈ €146,000

Nearly €48,000 lost purely to fees.

6️⃣ The Sauce: The Operating System Behind Your Money 🧠

Underneath all of this is your relationship with money:

• “I’m scared of making a mistake, so I do nothing.”
• “I work so hard, I deserve to spend - I’ll invest later.”
• “Markets feel like gambling, so I avoid them.”

That relationship quietly shapes every saving, spending, and investing decision for the next 10-20 years.

The coaching is where we change that relationship. The spreadsheets are just how we measure the results.

🌍 Real client snapshots

All of these clients made back their fee within the first year - and then continued to benefit:

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M, 34, Partnerships Manager Increased saving rate from 6.56% → 39.6% per month. Pays less than 0.3% in annual fund fees to build a 7-figure long-term portfolio. Saved ~£170/month in tax by maximising salary sacrifice contributions. Direct Benefit: ~€6,000 in extra savings, 7.8% annual pay rise, + £1,940 in tax relief.

C, 27, Doctor Secured 4.51% on emergency fund deposits vs. 1.2% before. Reduced investment fees by 22% by switching funds & brokers. Automated investing to maximise annual capital gains tax-free benefits. Direct Benefit: ~£3,000 in savings alone + avoided ~£12,190 in long-term “bad fees”.

J, 30, Business Owner Built a 12-month emergency fund at 2.75% vs 0% before. Created a values-based 1, 3, 5, 10-year financial plan. Direct Benefit: Projecting €1.53m long-term, €15,000 in savings, ~€200,000 increase in annual revenue, and ~€30,000 in recovered compounding.

🎁 New: a Completion Bonus for people who fully commit

I’ve decided Money Mojo won’t do discounts “because it’s Black Friday”.

Instead, I’d rather reward commitment.

It’s the same money back in your pocket - but the story is different:

• Discount is about the price today.
• Completion bonus is about the person you’re becoming over 6 months.

For new 1:1 clients, the new incentive is simple:

• On a €3,500 program, that’s €350 back to you at the end.

You unlock it by:

• Attending the scheduled sessions within the agreed timeframe, and
• Completing a few core milestones (like reviewing your spending and setting up your first investment).

This isn’t a guarantee of investment returns.

It’s my way of saying:

Most clients put that €350 straight into their “Future You” investment account as a visible milestone!

⏰ A small, time-limited window

Because this is a new structure, I’m testing this Completion Bonus up till 9 December only.

To be eligible for the 10% Completion Bonus:

• Book your free 30-minute discovery call by Friday, 5 December 2025
• If we both decide it’s a strong fit, confirm your place by Tuesday, 9 December 2025

After that, new clients can still join the program - just without the Completion Bonus attached.

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🚀 If you’d like to explore working together

If you’re earning well but feel your money isn’t growing the way it should - and you want to transform your finances for good in 2026 - here’s the next step:

​Book a free 30-minute discovery call here.

On the call, we’ll:

• Look at where you are now.
• Map out your dream state in 6-12 months.
• Decide together whether we’re the right fit for each other.

If it’s not the best use of your money right now, I’ll say so.

If it is, we’ll get your start date locked in and your Completion Bonus terms clear from the beginning.

Sanam

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