The Challenge:

Jini, a time-pressed professional, had money “sitting idle” and no goal-based structure. She feared making the wrong investment choice, kept postponing action, and felt overwhelmed by internet noise. Despite saving, she lacked a system and a regular review habit.

Our Solution:

Through a tailored financial coaching program, we helped Noori rescue her money, rebuild her confidence, and create a long-term plan:

Phase 1 - Baseline Audit & Architecture:

• Financial map: reconciled assets, liabilities, cashflows; established savings rate = 23% with target bands.

• Account architecture (roles-based):

  • Daily Spend: Santander (debit + fixed spend limit).

  • Goal Buckets: Revolut vaults (travel, car, shared expenses) with standing orders.

  • Emergency Fund: joint EF ring-fenced (€6,000, 6-month target) with no leakage.

  • Investment Rail: IBKR dedicated for securities only; no commingled cash.

• Documentation: created a lightweight Investment Policy Statement (IPS) capturing risk tolerance, constraints (Spain), and rebalancing policy.

Phase 2 - Cash Management Controls & Automation:

• Salary-day split rules: automated transfers on Day-1; goal vaults + EF top-ups; €450/month to IBKR autoinvest.

• Cash minima/maxima: guardrails for spend account (e.g., one-number budget); overflow rules to goals/EF.

• Exception process: “pause criteria” for contributions (e.g., cash runway < X months, one-off liabilities).

Phase 3 - Investment Education & Implementation Guidance:

• Selection framework: screened multi-asset ETFs using hard criteria:

  • Domicile & tax path (EU-domiciled), TER, tracking difference, AUM/seasoning, replication method, index methodology, distribution policy, lending policy, liquidity/spread.

• Target allocation: 80/20 equity/bonds implemented via a single diversified multi-asset ETF to minimize behavioral drift and operational complexity.

• Order policy: fixed day-of-month autoinvest; no discretionary trades; no thematic satellites.

  
  

Financial Transformation:

• €450/month invested automatically (from €0): ~23% of income.

• €6,000 6-month emergency fund defined and ring-fenced.

• Accounts repurposed with purpose: daily spend, clear accounts for travel, investing, and goals.

• Targeted investment strategy: designed for low maintenance and discipline.

• Monthly 60-minute review habit established.

Projected growth (illustrative only):

• ~€142k in ~8 years

• ~€516k in ~20 years
  
  

Life Impact Beyond Numbers:

• “Salary hits, money auto-splits - "I know my spending number and feel calm.”

• Procrastination replaced with structure; decisions made confidently, not hesitantly.

A system she can run in minutes, not hours.


Spanish Tax Optimization:

• Coordinated with local rules to ensure tax-efficient investment structure

• Navigated Spanish investment regulations for any ETF investment implications

  
  

Important Disclosure:

Spanish tax considerations mentioned are for educational purposes only and do not constitute tax advice. Always consult qualified Spanish tax professionals and financial advisors for personal situations.

Here's what Jini had to say:

“For years I told myself I’d ‘sort my finances,’ but nothing changed. Sanam’s structure finally made me do the work between sessions. The pre-session tasks and clear to-dos created accountability, and we built a system I can actually maintain.
Now my salary auto-splits on Day 1: goals fund themselves, my spending is clean, and I invest €450/month (from zero before). We repurposed my existing accounts, set an emergency fund, and designed a simple investment strategy I fully understand. I also run a monthly net-worth and spending review, which I never did before.

The best part is the clarity behind each decision - I’m not second-guessing YouTube tips anymore. I feel calm and in control because everything has a purpose and happens automatically. This wasn’t just theory; it became a sustainable money system for my life."