Beyond Numbers: The Human Side of Money Coaching
- Nikhil Bahirwani
- Nov 6, 2025
- 2 min read
My approach to money was very different when I first started my journey toward financial independence.
Back then, I just wanted to know what was right. The right way to save, the right place to invest, the right method to grow wealth. I had always been disciplined with money. I never spent more than I earned. I was a good saver.
But beyond that, I did not take any steps, mostly because I did not know what was possible.
In 2018, I tried day trading for the first time. It was thrilling and also painful. I lost a lot of money. But that loss became a turning point. I made it my goal to educate myself, to take control of my finances instead of being controlled by them.
When I started my podcast in 2020, I had already begun to see that money was not just about investments. It was about the entire process of life planning, protection, savings, structure, mindset, and discipline. I started connecting those dots for others, and somewhere in that process, I connected them for myself too.
Then came 2023, when I quit my job. That is when I realized something powerful. The very process I had been preaching, the one about understanding money, building systems, and planning intentionally, was the same process that helped me live the life I have today.
Those two years gave me perspective. They showed me how deeply money touches every part of our lives. Our emotions, our beliefs, our patterns, they all play out through money.
Now, when I coach my clients, I do not just look at their numbers. I listen to their stories. I pay attention to the tone in their voice when they talk about savings or debt. I notice the sigh of relief when they realize they are finally in control.
Because behind every financial struggle or success, there is a belief at play. Some believe money is hard to make, while others believe money always finds a way. Neither is fully right or wrong, but both shape the choices we make and the results we live with.
That is why for me, money coaching is not just financial planning anymore. It is mindset work. It is emotional support. It is helping people rewrite their story around money, from fear and uncertainty to clarity and confidence.
I call it a human perspective to money coaching, a space where spreadsheets meet self-awareness, and where financial freedom starts long before the numbers add up.
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