The Challenge:

A Professional in their 30s in Spain had money “sitting idle” and no goal-based structure. They feared making the wrong investment choice, kept postponing action, and felt overwhelmed by internet noise. Despite saving, they lacked a system and a regular review habit.

Our Solution:

Through a tailored financial coaching program, we helped rewire their relationship with money, create a financial life plan, and teach them to invest in index ETFs to manage themselves:

Phase 1: Baseline Audit & Architecture:

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

• Account architecture (roles-based):

  • Daily Spend: Used one core acocunt for fixed spend and direct debits.

  • Goal Buckets: Speparate pockets (travel, car, shared expenses) with standing orders.

  • Emergency Fund: Ring-fenced 6 months' worth of fixed expenses with no leakage.

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

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

Phase 2: Cash Management Controls & Automation:

• Salary-day split rules: automated transfers on Day-1; goal vaults + EF top-ups; autoinvest per month.

• 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:

• Designed a low-cost, diversified ETF strategy with an automated system focused on securing their retirement.

  
  

Financial Transformation:

• ~23% of income invested automatically.

• 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 returns could sum up to ~€516k in ~20 years (illustrative only).
  
  

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.

  
  

  
  

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 they had to say:

This program has transformed the way I manage and relate to my money. Before starting, I felt unsure of what to do with my savings and lacked a clear financial structure. Through the 1-to-1 sessions, I not only learned the basics of investing - especially how to start with ETFs - but also gained a deeper understanding of my financial habits and mindset. I now feel in control of my money: I know exactly where my income goes, I’ve automated my finances, and I now dedicate time track my spending and net worth.

What made the biggest difference was the personal approach - the sessions were tailored to my needs, and the guidance was practical, not just theoretical. I particularly appreciated the support in choosing platforms, and building a system that works for me. There’s still more for me to learn, but I now feel confident and empowered to take action. I highly recommend this program to anyone feeling lost or unsure about what to do with their money - it gives you clarity, confidence, and a plan you can actually follow.