Choose Your Own Finance

Choose Your Own Finance Personal Finance Educator and Coach based in Abu Dhabi.

Next week I will be hosting another live AMA!Friday 26th June, 2:30 pm France/4:30 pm UAE timeIt's still on linked in, b...
19/06/2026

Next week I will be hosting another live AMA!

Friday 26th June, 2:30 pm France/4:30 pm UAE time

It's still on linked in, because that's where I have a larger audience and the ability to do a live session. If you don't have a linked in account, comment below with your questions and I'll post the video here after the fact.

Ask about anything personal finance related! Happy to take hyper specific questions. I'll be talking for an hour, so there will be time to address whatever you want to know about on some level.

link in the comments

19/06/2026

No one needs to hold life insurance forever.

Life insurance exists to cover a gap, the years when your income matters more than your investments do.

As your money grows, that gap shrinks.

Eventually your portfolio can do the job your paycheck does now, and the need quietly disappears.

That is the whole point of building wealth. You are slowly making your salary irrelevant in the best possible way.

So if a policy is designed to keep you paying for life, ask why.

A good policy should be working to protect your dependents temporarily while you build perpetual financial stability in the background.

If you have a life insurance policy right now, do you know when you will no longer need it?

17/06/2026

When people book a call with me, they almost always lead with the same question: "What should I invest in?"

Here's the honest answer nobody wants to hear: that's the easy part.

Investing itself is genuinely simple. You can learn the mechanics in an afternoon. A low cost, diversified portfolio doesn't require genius or a crystal ball.

What's hard is everything wrapped around it. The fear. The shame. The avoidance. The not knowing where your money actually goes each month, or how much to keep in cash, or which country to hold it in when your whole life spans borders.

That's the real work. Most of my time with clients isn't spent picking funds. It's spent making the invisible visible and building systems that quiet the noise.

Because a simple portfolio only works if you can actually stick to it. And sticking to it is a behavioral skill, not a math problem.

Ready to bring your numbers into focus? Book a free 15-minute call: cyofinance.com/services

What's the money question you've been afraid to ask out loud? 👇

15/06/2026

Most people don't stall on their finances because they're not smart enough. They stall because there's no deadline, no roadmap, and no one in it with them.

So the spreadsheet stays half-opened. The brokerage account never gets funded. The "I'll deal with it later" stretches into another year.

That's exactly why I built the FI Foundations cohort around a structure, not just information.

We start by getting all your numbers into one place so you can finally see what's actually happening.

Then we set up and fund a brokerage account.

Then we compare where you are to where you want to be and find your real next steps.

Only then do we get into the investing itself, choosing your first ETF and managing your allocation. We finish by pulling it all into a written plan you can maintain on your own.

Stop starting over. The FI Foundations cohort gives you the structure, the steps, and the people to finally finish. Apply here: bit.ly/FiFoundations

Momentum is the part nobody sells you. What keeps you from finishing the financial task you started? 👇

12/06/2026

Free advice is never free. Someone is always getting paid, and if it is not you paying a clear fee, it is you paying a hidden one buried inside the product.

That version hurts most, because it compounds against you quietly for years while you think you are invested.

Two questions protect you before you sign anything: How exactly does the person selling this get paid? and What is the total annual cost of this product, in writing?

If the answers are vague, walk.

Real advice can survive a direct question about money.

Sales pitches usually cannot. I learned this the expensive way so you do not have to.

What is the first thing you check before trusting financial advice?

10/06/2026

The scariest number in your finances is the one you're guessing.

Before we talk investing, goals, or any big strategy, I have every client do something almost embarrassingly simple: write it all down in one place. Every account, every asset, every debt, your income, and what you actually spend.

Not what you think you spend. What you actually spend.

There's a reason so much money anxiety lives in the fog. As long as the numbers stay vague, your brain fills the gaps with worst-case stories. You feel behind without ever knowing if you are. The dread is bigger than the data almost every time.

The moment it's all on one screen, something shifts. It's concrete. You can finally see what you're working with, and "I'm a mess" usually turns into "okay, this is workable."

Then comes the step most people skip: pull the real numbers from your bank statements, not your memory. A plan built on guesses is just a wish. A plan built on reality is something you can actually stick to.

Ready to get your real numbers in one place and finally make a plan around reality? Book a free 15-minute discovery call: cyofinance.com/services

What's one number you've been avoiding looking at? 👇

08/06/2026

People sometimes leave a call with me a little disappointed.

They came in wanting a stock tip. Which country to bet on. Which sector is about to pop. And I tell them I don't do that, on purpose.

Here's the part that's hard to hear: the urge to pick winners is the exact instinct that quietly costs you money. It feels like control. It's actually the most expensive habit in personal finance.

The data has been clear for decades. A simple, passive, low-cost index fund quietly beats the majority of professional fund managers over the long run.

People who get paid to outsmart the market mostly can't. So the odds you'll do it from your kitchen table are not in your favor.

What I help with isn't being clever. It's building a plan boring enough to survive your own emotions, and consistent enough to actually compound into freedom.

The goal was never to beat the market. It was to stop letting the market run your life.

Want more like this? Follow along for evidence-based, no-hype money guidance built for expats: cyofinance.com

What would you do with your time if money stopped being the loudest thing in your head? 👇

A solid financial plan already knows the world is scary.It accounts for wars, crashes, depressions, and political chaos....
05/06/2026

A solid financial plan already knows the world is scary.
It accounts for wars, crashes, depressions, and political chaos.

That's the whole point. When markets feel terrifying, that's not new information for the plan.

It's just new information for your nervous system.
What would change if you trusted your plan more than the headlines?

Address

Abu Dhabi

Telephone

+971561073206

Website

Alerts

Be the first to know and let us send you an email when Choose Your Own Finance posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Choose Your Own Finance:

Shortcuts

Share

Category