0:42

Sameera Singh</h1> Sameera Singh is a business strategist , money coach and author

0:45

based in London . Her mission is to empower business

0:47

owners to transform their relationship with money

0:49

and break through to six figures . She helps

0:51

women build authentic six-figure businesses

0:54

aligned to their authentic money , personality

0:56

and values , so they can create freedom in

0:58

their lives and leave their unique mark on

1:00

the world . She also has a book called Money Mastery

1:02

on creating a business aligned with

1:04

your money personality . Sam hi

1:06

, welcome to the scenic route . How are you and

1:08

?

1:09

good Jennifer . How are you doing ? I

1:11

will start by complimenting the name of the podcast

1:14

. It's so beautiful . It's one of the most you

1:16

have ever heard .

1:18

Oh , now you're just flattering me

1:20

. Thank you so much . Yeah , it was

1:23

a spur of the moment thing

1:25

where I'm like , yeah

1:27

, I was talking to my coach at the time and I was like

1:29

you know , it's really about

1:31

, like , the journey . Like you know , like I'm always taking this

1:34

whenever I travel . I always be like , nah , I'm

1:36

taking the scenic route because it's always more interesting

1:38

, right , like this is actually

1:41

it . But

1:44

I'm like I'm , oh , I'm

1:46

when you , when I heard like , oh , sam is coming on the podcast

1:48

, I'm like , yes , because

1:51

you have a book called Money Mastery , so

1:53

brace yourself . We're going to talk all things money today

1:55

. But , sam , can

1:57

you give us like a big , like a like

2:00

an introduction of who you are , the crossroads

2:03

, the scenic route you took that led

2:05

you to who

2:07

you are today and what you're doing ?

2:10

Thanks , jennifer . Yes , so I'm Sam

2:13

or Samira , but most people call

2:15

me Sam . I'm a money coach

2:17

based in London . Finally

2:19

, I became a money coach because

2:22

, just like most women , I have had

2:24

lots and lots

2:26

of money mindset issues . You

2:29

think of a issue and I have had

2:31

it . And because I was working

2:34

through those issues , I just felt

2:36

it was my vision in life to

2:38

help other women who go through

2:40

the same issue , because everyone

2:42

goes through money mindset issue , but

2:44

as women , we have some specific

2:46

issues which are very , very women specific

2:49

and which you see more in women than

2:52

you see in others . That

2:55

that's what made me a money

2:57

coach and I really

2:59

feel that being a

3:01

money mindset coach is like being

3:03

a fitness expert or a fitness junkie , because

3:06

you have to keep working

3:08

on your mindset . It's not that you

3:10

have worked on it once and then

3:12

it's all done . It's

3:15

like you know , when you become , when you are trying to get

3:17

fit , you reach one level , then

3:19

you still have to keep doing the work . Either

3:23

you have to maintain and you go and

3:25

step higher to , you know , get

3:27

more in fit . So

3:30

, similarly with money , you have to

3:32

keep working on your mindset and once you reach

3:34

a certain level , you have to maintain

3:37

that level or you

3:39

have . If you want to go to the next level , you have to almost

3:41

start from scratch and get

3:43

into that money fitness journey

3:46

again .

3:47

Yeah , I think that's one of the

3:49

biggest misconceptions about entrepreneurship

3:51

right , that a lot of people who are starting out

3:53

feel like , once

3:55

I fix this , I'm good

3:58

, fix this , whatever it might

4:00

be from almost I

4:02

mean , I'd say every

4:04

one of my clients has had

4:06

, has had some kind of money mindset

4:09

realignment

4:12

over the course of working together

4:14

. But misconception

4:16

is like we feel , once

4:19

I've done this , I've healed my

4:21

money mindset , whatever it is , I'm

4:23

done , I'm good , and

4:25

it's like , hmm , that's not , that's

4:28

not how it works , is it Exactly

4:30

?

4:31

And you know and that is the reason why , if you see

4:34

there have been studies that people

4:36

who win a lottery or they get a windfall

4:38

, that most

4:40

of them within two or three years

4:43

would have lost all that money

4:45

because the money came before the

4:47

mindset was there and they

4:49

automatically shift into what

4:52

was what is the habitual money mindset

4:54

. Unless they're working on it and you hear

4:56

of so many you might

4:58

doubt that they won millions

5:01

. But now they're back to what they

5:03

were before they won .

5:07

Oh yeah , that is , that is so true . I

5:09

read that a lot of times

5:11

. It's always kind of like these daily main boulevard

5:13

some stories , right , like

5:16

won 50 million pounds , lost 50

5:18

million pounds . Like

5:20

why work us through

5:23

that ? Like , why is that ? Like

5:25

I mean , I

5:27

could like I haven't won the lottery , but

5:29

I can relate . I'm someone who

5:31

I'm an experienced

5:33

spender , meaning I don't really care

5:36

about things , but experiences

5:38

so like I

5:41

don't know , going out for dinner to

5:43

a nice place , whatever vacations

5:46

, and

5:48

I am tied with my finances , I'm

5:51

good . But at the same time , when there's

5:53

like a big extra chunk of money coming

5:55

in , it

5:58

goes to savings and stuff . And

6:00

then I'm like where did it go

6:02

? Right , like

6:04

, so I don't know

6:06

. I'm not like going back to broke

6:08

, but walk us through . Walk

6:11

us through that . Like why ? What

6:14

are the challenges ? If we're suddenly

6:16

having a

6:18

new income stream or something

6:20

selling really well

6:22

, what

6:25

do we have to be mindful of

6:27

?

6:27

So there are two things we need to be mindful

6:30

of . I'll come to your

6:32

point about the fact that you like experiences

6:35

later , because

6:38

that ties up with the money personality

6:40

part . Yeah , so one

6:43

of the things why this happens

6:45

is like and this is a perfect example of

6:47

I always see with my clients that

6:49

something would be going really well

6:52

and either they would have a great

6:54

launch or , like you know , they

6:56

would if they went to once they would be getting like

6:58

four or five premium VIP

7:00

, one to one in a month , or

7:03

something that happened Suddenly

7:05

, like it's almost like a sell , you

7:08

get an unexpected bill or something like that Exactly

7:10

. And often this what

7:12

it is is it's

7:14

a manifestation of a money

7:17

blocks , and a money blocks often

7:19

end up , because of a

7:21

money blocks , we end up sabotaging our success

7:23

. And a money blocks can be things

7:25

like sometimes women are

7:27

afraid of success because

7:29

they think that being successful

7:31

will make them less

7:33

popular or they will start earning more than

7:36

their partner or their security

7:39

ideas of yeah and like deep rooted

7:41

ideals or ideas of

7:47

who women are supposed to be

7:49

.

7:49

You know , I mean , it's not that

7:51

long ago we couldn't hold a checkings account

7:53

.

7:54

Exactly . And also it just

7:56

like things , like you know , like women . As

7:58

women , we often don't trust ourselves

8:00

with money , so your subconscious

8:02

brain is going my God , like I'm getting all this money

8:04

, but I feel like I can't be trusted with it , so

8:07

I'm actually going to , like you know , self sabotage

8:09

by doing something that this

8:11

money stops coming . Also , there's

8:14

this , very , this one

8:16

bone which you know I

8:18

trained to be an actor , but if I

8:20

ever get a chance into Hollywood , I have one bone to

8:22

pick . You always see

8:25

that women , if

8:27

you see them in movies or media

8:30

, a rich woman is never

8:32

a nice woman , so

8:35

they always just think about that

8:37

if you are a rich woman , so if you've seen

8:40

any movies around , calm , the

8:42

rich woman is always the vamp .

8:45

Yeah , the nasty one , I mean bitch . Yes

8:47

, that is so .

8:48

And then she realizes at the end of the movie or

8:50

end of the TV series that money is not everything

8:52

and something emotional is more

8:54

important . So that is other thing that

8:56

we often told as women and which we

8:58

have ingrained in our subconscious that

9:00

if you're rich , either you become

9:02

unlikable or people automatically stop

9:05

liking you , or you almost become like

9:07

unfeminine .

9:10

Which is , of course , hard because we're all trained

9:12

to be likeable because we're women

9:14

. So if we , if

9:16

we subconsciously believe that having

9:18

money , a lot of money , will make us unlikable

9:21

, we yeah , we

9:23

try to not become unlikable and

9:25

do anything kind of like against us

9:27

.

9:28

It's like . It's like . Like we all like most secretly

9:31

. None of us wants to be like Jennifer . Instance correct

9:33

her in the morning show like you're all scared that

9:35

if you get money we're done into

9:37

her . But she's fabulous , right .

9:40

She's amazing .

9:41

So yes , it's not that . So

9:43

we all have been money blocks . You have to really

9:46

delve into people subconscious because a

9:48

lot of money blocks which we have they

9:51

come when before

9:53

we were seven , because you also see

9:55

the formative and

9:58

because you also see money blocks from what

10:00

you were told as a child as what you would

10:04

taught in school . For example , if your

10:06

parents had a very strange relationship

10:08

about with money or you saw

10:10

that your parents you know one of your parents came from

10:12

a well to do family and the other one didn't , and

10:15

they had different views about money and they had the tension

10:17

in their relationship because of money

10:19

. You automatically also you're

10:21

in gross that and

10:23

almost go like like

10:26

money , the source , like if I have money , it's

10:28

either to create tension or you

10:30

also think that for money

10:32

, money means having a dispute

10:34

with your loved one , sorry , with your family .

10:37

Yeah , yeah , that is so

10:39

true . I remember like we

10:42

were like growing up . We were like typical

10:44

middle class family and

10:47

I just still remember like my

10:49

parents , they were not arguing about

10:51

money per se , but they

10:53

were just really there

10:56

weren't any light talks

10:58

about money , like

11:00

money would only come up when

11:02

money would be tight or

11:04

when we would need saving for a new car

11:06

or for a vacation whatever , but always

11:09

in a really tense , not

11:12

fun situation

11:14

. So I

11:16

always thought like , okay , having

11:19

much money is stressful

11:21

and makes me , makes

11:23

people tense and like , ooh

11:26

, why would you want that Actually ? Until

11:30

I realized , oh , actually it's fun

11:32

, it can be fun , but you really

11:34

have to .

11:34

Yeah , do

11:37

a lot of deep , deep and also like , for

11:39

example , something like I remember I was told

11:41

and then a lot of people are told that if you ask

11:43

for a new toy or new dress

11:45

or something that you said things

11:47

like oh , like you know , you just got one

11:49

money . We don't have money growing

11:51

on crease . So you almost end

11:54

up growing up thinking and regardless

11:56

of how much money you are making , that

11:58

spending money on your

12:01

own self and your own experience

12:04

and things which bring you joy , it's a guilty

12:06

thing to do because that inner child

12:08

inside you is still going . I was scolded

12:11

off by my mom for asking for

12:13

a new Bobby , because that was my

12:15

first part . When I saw Bobby , I suddenly , like

12:18

I memory flashed oh , I remember my mom told me

12:20

I could only have one Bobby .

12:23

Yeah , right , these are these things

12:26

and it's so interesting . I

12:29

once I don't even remember

12:31

now where it was , but it was

12:34

a master class from someone . Oh , I'm so

12:36

bad right now with names , but it

12:38

was super interesting . She was like think

12:40

back of

12:42

the first memory you can

12:44

recollect of money yes

12:47

, exactly Of

12:49

money in your life . That was so interesting

12:51

. I was like what ?

12:54

I knew my students do this , my clients

12:56

are doing exercise . I'll go to my facilities

12:59

after this . I

13:02

asked them to write in a paper

13:04

all the memory they

13:06

have about money , like starting from exactly what

13:08

you told me , starting from your first memory of money

13:10

. Tell your latest memory of money which

13:13

still triggers you and it doesn't

13:15

have to be big or small

13:17

, just something that still triggers you after

13:19

so many years and write

13:21

them all down and then you know , then

13:23

we would start , basically go

13:26

through each memory one by one , sit with it

13:28

and forgive it , just

13:30

to release it . Because

13:32

when we forgiveness is not something which we do

13:35

as a favor to others . When we forgive something

13:37

, you know we're releasing the block , releasing

13:39

the trauma which we have attached

13:42

to that memory . And when you start doing

13:44

it , you kind of first time you do it , you go like

13:46

, oh , I only have nine things , but

13:48

I just start getting deeper into this exercise

13:51

Also , like suddenly , when you're doing

13:53

nothing , something would pop up in your head

13:55

oh , I hated that when that friend

13:57

made me pay for something which I didn't buy , or

13:59

something small , just for small

14:02

, but it still , you know , hugs

14:04

you because you felt

14:07

, you know .

14:08

Yeah , I mean , if you're still thinking about it

14:10

20 , 30 years later , there

14:13

is something there , right ? Otherwise

14:15

it might not be so bright

14:18

and fresh .

14:18

Yeah , I'm right , but this is a very strong exercise to

14:20

try to engage . So make a list of all

14:22

your memories and then go through

14:25

each one of them , sit

14:27

with it , and then you know , just feel what

14:29

comes , without getting too attached to

14:31

the emotion . Feel what's coming . And

14:34

then I do this Hawaiian

14:36

technique , or how , how , where

14:38

you forgive it . So you say that

14:40

I forgive you , I'm sorry , thank

14:42

you , I love you , and

14:44

with some memories you would just need to do it once

14:46

. But with some deep

14:49

rooted ones you'll have

14:51

to do it quite a few times and

14:53

sometimes it takes months

14:55

and years for people to

14:58

get over it . But then

15:00

those are the ones which will make . Once

15:02

you let go of them , they will have the biggest impact in

15:04

your life , because that's where the most

15:06

trauma is . You know it can be

15:08

things like a painful divorce

15:10

or someone defrauded you things which

15:12

are really painful .

15:15

Yeah , and

15:18

it's interesting how you

15:23

said before , like how , like

15:25

, money Mindset can show up and

15:27

I'm curious if we could

15:29

talk about this a bit , how

15:32

we've said , like

15:34

we said you have , obviously all

15:37

your clients have Money Mindset

15:39

challenges . Look , I mean , I'm not

15:41

a Money Mindset coach , I work in branding

15:43

and even I have

15:46

, like , say , almost all my clients

15:48

at one point . I'm like you should

15:50

look into this . So

15:57

how can we ? What are the manifestations

15:59

? What are the telltale signs that

16:02

are maybe a bit subtle than

16:04

winning 50 million , the losing 50

16:07

million ? Yeah , this , you got a Money Mindset

16:09

problem . But what are the more subtle

16:11

telltale signs of people

16:14

who are listening now like , oh , maybe

16:17

, hmm , I

16:19

should do a little digging there .

16:20

So I think the most common

16:23

and I'll come to money personalities after this I promise one

16:26

of the most common signs

16:28

that you would see is

16:31

you feel almost

16:33

you have a pattern around one . So

16:36

, if you don't mind my saying the way

16:38

, you said , right that you get a big

16:41

saving and suddenly you are like where , where

16:43

is it ? For some people

16:45

it can be kept up actually in debt . It

16:48

is a thing to do . There's nothing personal , like

16:50

they can have 100,000

16:52

pounds or they can have 100 pounds

16:55

, they can have a million , but they will still

16:57

be in debt . And

16:59

some of most of them are pipes , especially women , right

17:02

? Women ? No , women tried to get ready to be

17:04

in debt . They often have this

17:06

emotional reason by by they are

17:08

in debt , right , they don't . Women

17:11

, by nature , don't , don't

17:13

get into usually don't get into

17:15

risky ventures unless someone emotionally

17:17

convinces them . They are

17:19

very mindful of the fact that , especially they

17:21

have a family . What the impact

17:24

of their financial decisions would be on their

17:26

family . But you see this pattern that they

17:28

would always be in debt , or the

17:30

other one which I had and I

17:32

actually struggled with it . I said money mindset

17:35

is a lifelong issue . Like

17:37

you , never think there's enough .

17:39

Like you know you can have scarcity

17:42

mindset like classic scarcity mindset , always they

17:44

would .

17:45

It's not that it's not as much

17:47

as they can be too positive . Some

17:49

people think they would never be enough . For some

17:51

people think I can never have enough . Like I always

17:54

, my desires would always be

17:56

more than what's what's coming

17:58

in . And then , because you , your

18:00

subconscious is thinking that it manifests

18:02

in the fact exactly what you were telling earlier

18:04

, that you get , you

18:07

do a super nice launch and you have

18:09

, like , amazing cash coming

18:11

in , but then there's a big bill because

18:14

you , our , our

18:17

subconscious programs are

18:19

beliefs and beliefs perform

18:21

our , our

18:23

feelings and emotions , and our feelings and emotions

18:25

basically determine how we

18:28

act , which determines our ability . So

18:30

our reality is determined by basically

18:32

what we believe and what we're telling ourselves . So

18:34

it must have punch into seeing that there's not enough

18:36

. But I've

18:38

got this huge windfall , but something

18:41

my subconscious still believe that I'll never have

18:43

enough in my life . So it has to do

18:45

something to basically manifest

18:48

this , something so that

18:50

that money basically goes . So

18:52

even that is not enough . So that is a

18:54

big thing . But also things

18:56

like a lot of times you see women , they'll

18:58

be like oh , I'm trying every strategy involved

19:01

and but I'm

19:03

not growing my business , I'm not still

19:05

attracting my ID client and

19:08

then you go like hmm , like the other people

19:11

who are using the same strategies , but it's working

19:13

for them . But

19:16

we more or less

19:18

everyone uses the same strategy , but there's

19:20

a reason why it only works

19:22

for a few people , not

19:25

for everyone who uses them , why

19:27

some people would use strategy and grade

19:29

something so amazing , whereas some people

19:31

would keep doing it , but they would still be

19:33

stuck . It's almost like being an athlete

19:35

, right ? They all get the same nutrition , they all get the

19:37

same course , we get the same training , but only

19:40

some make it to the top five . Yeah

19:43

, and that is also one of

19:45

the big sign that you have . You have

19:47

an issue . The other one's also

19:49

like almost a sense

19:51

of fear around money

19:53

, that like , and

19:57

you see that in the fact that they would go like

19:59

oh , I don't manage my money , like

20:01

, I have a joint account with my partner . He does

20:03

everything and I have some business

20:05

like clients for women , and they go

20:07

like I have a joint account , so

20:10

my partner manages my money and

20:12

I'm like but it is money

20:15

coming from your business .

20:19

Yeah , this is like no , no , no , no

20:21

, no shame , no , no judgment . This is wild to

20:23

me , right , but then again I'm

20:26

a bird child , of the course , so

20:29

I'm like , you gotta have your own money .

20:32

So when you hear exactly right and so anything

20:34

like , but your reality is very different from that , right

20:36

? When you see things

20:38

like this , you kind of wonder that , oh

20:41

, what is going on ? And you start dwelling

20:44

more in , more deeply

20:46

into it . Also , at the same time

20:48

, you often find that there's some women

20:50

who feel that they're respected in their family

20:52

as much as others

20:54

because they don't earn as much as other members of

20:56

the family , especially a lot of women who

20:59

are tightly maybe , let's say , two generations

21:02

older than us and

21:04

who want to be bred , basically

21:07

want to be homemade .

21:08

Yeah , it's a different generation , yes

21:10

, and different and cultural differences .

21:15

So you start seeing these things , you start

21:17

kind of thinking that something is

21:19

not working . There is , there's definitely

21:21

mindset issues and

21:24

we need to find out what mindset issue is . And

21:26

then you start the whole program about finding

21:28

what the issue is and then releasing

21:31

it and the two parts to finding

21:33

it . Then the first is like all

21:35

the all , all the blocks which

21:37

you have all around money , and

21:41

the second is that's when your money personality

21:43

comes in . So you money , we have a money personality

21:46

and your money personality is almost like

21:48

like your Myers break pictures , you know .

21:51

Yes , yes , yes , I'm an N , a grub seven

21:54

, so no surprise I spent . I'm in a speed

21:56

I can't . Oh

22:00

, you know , that makes sense . Yeah

22:03

, fair enough . Yes .

22:05

So it's like how , but that's about how you communicate

22:08

. So any money personality is how you

22:10

relate to money and the money personality

22:12

determines what , what your

22:14

set thoughts and feelings are

22:16

about money , what you believe , sir , around money , what

22:19

are your seven ? Like , what are your strength

22:22

, act like and the eight

22:25

money personalities and they're all

22:27

very , very different and they

22:29

are basically , if

22:31

you kind of look at them , you have one

22:33

of the personalities of saver which is like in

22:35

a bank up . These are the people

22:37

who always trying to save right . This

22:40

is your friend who would

22:42

annoy you when she goes to the

22:44

movies because she will go and find try to

22:46

look at three deals to save one

22:48

quid on popcorn . Yeah

22:52

, not me , not me . You

22:55

have a visionary , that inner

22:57

idealist , which are people

22:59

who basically , for them , money is a tool

23:02

to bring change in world . So

23:04

they often they have almost have

23:06

a love and hate relationship with money , because they personally

23:08

don't care about money but realize that

23:10

if they have money they can

23:12

use it to change the world . So so many

23:15

, a lot of activists and people who run

23:17

charities they fall under

23:19

this category .

23:21

Yeah , I can totally relate , right like the

23:24

yeah , no , I mean it's right like the

23:26

more money I make , the more

23:28

, like I know . Like eight

23:30

to 10% of my year they go to charity

23:33

. So I'm know the more I make , the more I can

23:35

get to causes I

23:37

care deeply about .

23:39

So I can relate , that is so amazing , yeah , or you've got

23:41

a new . Then you have the superstars

23:43

, who are like in a big shop

23:45

. So these are the people for whom money is a way of standing

23:47

on crowd . So these are the people

23:50

who would be , you know , every time they go to a restaurant , or

23:52

every time they buy a bag , or every time they

23:54

get a new iPhone , or every

23:56

time they buy a business class , it's

23:58

all over the social media because for them

24:00

, money is a way of standing out

24:02

, exactly so

24:12

building relationships is more important and money can

24:14

be a result of building those relations

24:17

. So you would often see , like

24:19

you know , like people like us who provide services

24:21

, you would see it in people like they have

24:23

this one client for years and years and

24:25

years and they have not increased their price

24:28

with them , but the clients is with them

24:30

and they love having the client because

24:32

they're prioritizing the relationship

24:34

with the client and the money is

24:36

basically just afterthought of what

24:38

has come from that relationship . Then

24:41

you have the rebels , or iconoclasts

24:44

as I call them . These are the people

24:46

who love making money

24:48

, but by unconventional ways . So

24:51

, in the sense , like people who are gamblers , or

24:53

also like people , a business people

24:55

who would like to start

24:58

up for themselves . For example , if you

25:00

take something which is both working

25:02

, but they will try to change it and it can go

25:05

either really well , like Tesla , or

25:07

not , they like to ruin

25:09

that , like whatever

25:11

it's gone , now I can't .

25:16

Yeah , I still call it Twitter .

25:18

I'm sorry , it's

25:21

not All Steve Jobs

25:23

like , even like he created

25:25

Apple . No one has even thought about something like that

25:28

. So these are the people . Oh , yeah , yeah

25:30

, yeah , we'll like come and shake our industry . Then

25:32

you have the carers , and these are the people

25:34

who use money , that hate spending on themselves

25:37

, but they love to spend money

25:39

on others . Money is a way of .

25:41

Okay , so stereotypical mom spends time right

25:43

Like not buying shoes for herself , but trying buying

25:45

shoes for the kids , exactly .

25:47

And then you have the sensualist and I think you fall

25:49

in this category . It is I also

25:51

. I like it's also one of my dominant

25:54

personalities . Sensualists are the people

25:56

who love spending on feeling good . So

25:58

they love spending on experiences

26:01

in having luxury meal

26:03

, in wearing something very comfortable

26:05

and nice . Like

26:08

sensualist will also like to travel to this class

26:10

, but the difference is that superstar is

26:12

doing that to basically stand out

26:14

and show off . They want to be

26:16

comfortable .

26:20

So yeah , yeah , no , I can relate like this is

26:23

like . This reminds me of this , like so

26:26

annoying . Are you in TikTok ? Yeah , I am in

26:28

TikTok . You

26:30

know that's super annoying , like quiet

26:33

money fashion styles .

26:35

Yeah , yeah , I know what you're talking about .

26:36

Yeah , so it's

26:38

when Rammie reminds me of that . Right Like

26:41

, I have designer bags

26:43

and I like those bags

26:45

, but I hate

26:48

the bags with the big logos on

26:50

. It's just like . I

26:53

don't know , not my style Like , so

26:55

I'm more the Chloe girl as such , as

26:57

like my same Chloe on there . So

26:59

I feel that's kind of like the same similar

27:02

vibe . Right Like , you like the same

27:04

things with maybe similar

27:06

changes , but your

27:09

energy is behind it .

27:10

Exactly so . For example , like my

27:12

sister bless her for my birthday , she just

27:15

she wanted to give me a Stella McCartney bag . And

27:17

I love Stella McCartney because I

27:20

just love her as well as about because you know I'm

27:22

most yeah , she does , she does environmental

27:24

friendly , you know . Like you know she does she

27:27

doesn't use a slather . And when

27:29

I went to her showroom I was a fault

27:31

because all

27:34

the bags had this like huge gold

27:36

logo saying Stella McCartney , with the gold

27:38

thing on the top on the handle , and I'm like

27:40

I would die if then do I would like

27:42

carry Stella McCartney on the watch . And

27:45

then I found like a more discreet one and

27:47

that's what I'm hearing . So exactly

27:49

so , like you know , like you get what I'm saying here

27:51

.

27:52

Yes , yes , I guess . Yeah , absolutely

27:55

Right , like it's , it's

27:57

also I don't know . Yeah

28:02

, it's one thing . If you

28:04

, why

28:06

business class ? Because

28:08

I don't know , you

28:11

want to work and you need more

28:13

space , or you feel

28:16

more comfortable traveling

28:18

, or if you want to feel business

28:20

class , why business class ? Because it

28:24

makes people tell

28:26

something about you Exactly .

28:29

And like why don't

28:31

you just want to be comfortable , right , like I just

28:33

want to be comfortable . I just like

28:36

having my glass of champagne and watching boring

28:39

movies on it .

28:43

And then , before I had kid my partner

28:45

, we never got the point of like those

28:47

luxury all inclusive

28:50

resorts , like we're like , what's the point

28:52

of that ? Right , that's not how we travel

28:55

. Oh boy , it's the only way

28:57

we travel , since I have no money . Oh

28:59

my God , so good

29:01

.

29:02

So good , then you have

29:04

the last one . It is a rule , and for them

29:06

it's all about making money , in the sense

29:08

that they want to leave a legacy . It's about building

29:11

a empire .

29:13

Okay , so it's really about the money . So for the most types

29:15

, it's right . For the most

29:17

types it's not per se about

29:19

the money , but what money can mean

29:22

by do , and for the rulers

29:24

, it's really the money .

29:26

It's the money , or building a legacy . So , like they want

29:28

to build empires , they want to leave something , they

29:30

want to create something . Just think , like

29:32

you know , with the building

29:34

and legacy , or building something of their own because

29:36

they are the ruler , oh , it's like

29:39

. It's about like having , it's about having

29:42

lots and lots of money . So

29:45

these are your money personality types and we all

29:47

fall under one of them . There

29:49

is no right or wrong money personality type

29:51

. We all have the most dominant personality

29:54

type and we also have two other money

29:56

facilities apart from the most

29:58

dominant one , which also impacted . So

30:01

, for example , like you can be

30:03

, like I am , like I'm a ruler , but I'm

30:05

also my sensualist is actually very close

30:08

to my ruler and they

30:10

often flash . My boyfriend

30:12

is very interesting . He is our

30:14

saver , he's a big saver , she's

30:17

a saver .

30:22

Oh , I can imagine a conversation you have

30:24

because we have so many .

30:26

And eventually . So he's always having the

30:28

struggle for that . One side of his

30:30

brain is going to oh my God , I need this experience

30:32

. Like you know , this is like amazing , but the

30:34

other one is going this is very expensive

30:36

.

30:38

Yeah , yeah . And we I don't

30:40

know if Steve goes for you too , but

30:42

like a conversation we

30:44

have often is our

30:46

financial , our

30:50

level of financial safety is the same

30:53

Right , like I

30:55

feel perfectly safe when

30:57

I don't know , I don't

30:59

know , when I have my

31:01

retirement account that's failed

31:04

and we have like like

31:07

a one K emergency , immediate emergency

31:09

fund and like four

31:12

or five months expenses . Then

31:15

I feel safe . That's fine . And he would

31:17

rather have like a year to

31:19

kind of like feel safe , definitely

31:22

a saver .

31:23

It's yeah , yeah , for

31:25

sure you can take off . You should go . I'll send you the

31:27

link . I think

31:29

I have said it as a part of the podcast .

31:31

Yes , we will link it in a show notes . The

31:33

assessment to find the money personality yes

31:36

, everyone can use it .

31:37

And then , because it's interesting , because I often

31:39

come , I think it's hard . I mean I

31:41

don't specialize in it , but anyone who

31:43

wants , I'm opening it out . Anyone wants to specialize

31:46

in it ? It ? This is a big deal

31:48

about spouses having different

31:50

money personality types . It's like it's

31:52

a different topic . Imagine . But that's

31:54

yes , we're going to do another podcast , Because

31:58

that's like and it

32:01

just think , but then it also impacts

32:03

a business . So , for example , imagine if

32:05

you are a business partnership

32:08

with someone , you are a saver

32:10

, but you don't sign on it . Yes , let's

32:12

say a superstar or a sensualist

32:15

, and you are trying to everything

32:17

that you're doing in your business , you're trying to cut the cost

32:19

and you're going for the cheapest alternative or try to do it

32:21

yourself . But if it's a sensualist

32:24

, sensualist is going out easy life . If

32:26

we can afford a VA , let's get a VA .

32:28

Yeah , we are . Let's what we are , what we can outsource

32:31

, outsource whatever I do think we

32:33

join , yes , I do think we join

32:35

, I feel free .

32:37

Or if the person is basically

32:40

a celebrity , they want to basically do the

32:42

launch in a more expensive place , they want the most

32:45

glitzy marketing , or

32:47

it will just , it will just not , it

32:50

will just not work .

32:52

Yeah , it will clash a lot of the time

32:54

. So you have so this is

32:56

super helpful to kind of like have a basic understanding of why

32:58

you're clashing and

33:00

then how we can bridge this Like

33:03

, because I'm sure , like

33:06

same , same is also not necessarily working right

33:08

. If we have two sensualists , we're just like

33:11

party , yeah Right

33:14

. So how how can we find

33:16

? How do we balance ?

33:18

It's an understanding . It is just , like you know

33:20

, like , for example , like I I

33:22

am an ENFP , but I found out one of

33:24

my old bosses was not , and I totally understood

33:27

it . Once I understood I used to take it quite personally

33:29

, but before I realized what his personality

33:31

type was , then I was like , oh , that's what

33:33

he wants . He wants more detail than I do . It's

33:36

nothing to do with him personally disliking

33:38

me , it's to with how

33:40

his brain is wired right

33:42

. It's the same thing , like it's about

33:44

understanding the other person and that's

33:46

why doing that , doing that assessment , becomes

33:49

important and understanding what this

33:51

strength and what their thoughts

33:53

. And I don't like the word , I don't use

33:55

the word weakness , but the shadow side about the money's

33:57

, and we all have a shadow side Every

34:00

time . Yes , absolute . So , like after

34:02

I got into like I haven't been in a part of the years

34:04

, and after I got into

34:06

like many personalities , I kind of realized that

34:09

for , like all these things that used to annoy me , when he was

34:11

trying to , like you know , I

34:14

bought what I used to think was being cheap , and

34:16

he was not , he was just being too

34:18

tough , his personality type . And when he thought

34:21

, like you know that I was super

34:24

extravagant to spend 80

34:26

quid on a shampoo and conditioner because

34:29

it's meant nice and I felt

34:31

like you know , my hair felt nice . He

34:34

thought I was just being ridiculously

34:37

extravagant .

34:38

Yes , that is handing you , like the Pantene Probe

34:40

, and you're like .

34:42

Exactly and then

34:44

like . So it's just for understanding

34:46

, like , what the money type types are and just knowing

34:48

that people are acting like that and meeting the

34:50

middle way . And , as you said very correctly

34:53

, right , if you both are exactly

34:55

the same , whether it's a professional relationship

34:57

or a romantic relationship , it will not

35:00

work . Imagine two rulers together they will

35:02

bite each other's head off . Or

35:04

two savers together . You know like they

35:07

. So you , you need that difference and

35:09

at the same time they , because it's

35:12

a many personality plus , we also have the two

35:14

other dominant personalities . After that , it's

35:17

also that finding that balance , that maybe one

35:19

of your dominant ones is actually same , so

35:21

that's like common points , right ? So

35:23

you definitely have a saver somewhere . You

35:26

did say that you like to . You know you

35:28

do like . There's some people who don't care about

35:31

savings . They have been living paycheck to paycheck

35:33

again , I don't judge .

35:35

Oh , yeah , yeah , yeah , no , no

35:37

, no , I think there's all there's . This is completely judgment

35:40

free zone . And I , I'd

35:42

say I was more dad

35:44

. I'd say that changed

35:47

for sure after I had my son Right

35:50

. Then I was more of like , oh okay

35:52

, maybe like just

35:55

just realizing that the paycheck to paycheck

35:57

, it was not

36:00

doing doing me and my nervous system any

36:02

good . It was just . Every time

36:04

I was , I don't know , it was time

36:06

to pay the bills , I would be just

36:09

restless and anxious

36:11

and just like mm , mm

36:13

. So realize that's not

36:16

good , we're not going to do that , we're going to

36:18

stop that .

36:19

No , exactly so , but his is

36:21

obviously very dominant from what you were saying .

36:23

one year and like surely

36:25

more definitely than one .

36:29

Excellent . And this also

36:31

that comes to like your business strategies

36:33

, because , as you can see , people are so

36:35

have such different attitude towards money

36:37

and if you start giving them cookie cutter business

36:40

strategies , it's not really going to work

36:42

right . The same business strategy

36:44

, for example , a same marketing strategy for a saver

36:46

or a centralist or a superstar

36:49

, is never , ever going to work . Or

36:51

for a carer . If you tell a carer that

36:53

all you need to own your stories every day and

36:55

you know , talk to your community about

36:58

how you're spending your money , or

37:00

they'll be like I don't

37:02

care . And also the business model

37:04

. So , for example , someone who will care

37:06

of more in United they would . They

37:08

would probably feel all this more comfortable

37:11

of doing one

37:13

to one . They would not . They may not feel

37:15

that comfortable .

37:16

Or doing like a good program

37:18

, like an anonymous online , yours

37:21

or a good program or like interest

37:23

.

37:23

Oh yeah , interesting , because they they want

37:26

to build a relationship with their clients . But

37:28

a ruler or a celebrity would perhaps

37:31

be really good in our program , because ruler

37:33

, because they want to , they are building the

37:35

empire , or and a celebrity

37:37

, because there's an interpretation , so

37:40

or so it is . It

37:42

impacts all aspects

37:44

of your business and that's why I

37:46

always tell people that cookie

37:48

cutter business strategies don't work and that's why

37:50

, if you're just following , you're seeing someone programming

37:53

for yes , that's why you're on the senior group

37:55

podcast where I always telling people

37:57

cookie cutter just is not

37:59

cutting it and you can

38:01

tell people to do things which

38:03

are not aligned because you are values

38:05

towards money determined by money

38:07

personality to a great extent

38:09

and you can tell , always tell people

38:11

that we need to do this and they will do it for

38:14

a bit , but they will never be able to do it

38:16

consistently with something which aligns with their

38:18

values . So it's better to be yourself

38:20

and maybe have a slower growth to

38:23

slower scaling to where

38:25

you want to be , but do it in

38:27

a sustainable way , rather than trying

38:29

to do something which doesn't aligns

38:31

with who you are and then reaching

38:34

the goal and then just basically having that sabotage

38:36

sabotaging yourself because and

38:38

, yeah , burnout , because it was .

38:40

It took everything from you that you

38:42

had to get there . Oh

38:44

yeah , I can so agree . Right

38:47

, because it's always you're trying . I

38:50

see that , especially a

38:53

lot of people

38:56

who are new to the online business world getting

38:58

in debt trap . Right , because

39:01

we're all , every day , all day , we're marketed

39:04

. This online course depicts your problems

39:06

, that business strategy to fix whatever

39:08

. Right , it's just like you're

39:11

like oh okay , these people earn

39:13

millions , so they know what they're talking about , whatever

39:15

, and you do that , and it's just like maybe

39:19

not working at all where it's working completely

39:22

against you , and it's just really

39:25

having more knowledge about

39:28

how you're

39:30

wired can

39:34

really save you from a lot of heartache and

39:36

financial spending .

39:38

No , exactly , and just like , and

39:40

just you know I keep working

39:42

on your what I call as your internal

39:44

money thermostat . So we all have internal money thermostat

39:46

. So , like a company , it's

39:49

very easy to make up to , let's say , a

39:51

5000 pounds and

39:53

because

39:56

, and whatever job they do , they will make it 5000

39:58

pounds , all business they do

40:00

. But then to make it to 10,000 pounds a

40:02

month you need to rebuy

40:05

what I call as your money thermostat

40:07

or money blueprint . That because you know when you increase

40:09

the thermostat or adjust it in the room , the

40:12

which are automatically goes there

40:14

and stays . You know , if you have one of those automatic ones

40:16

, yeah , it stays there . So

40:18

then you , you , you basically increase

40:21

it to 10 for a month and you have to then do

40:23

wire yourself to do it . Then

40:26

you do it . You know whatever level you

40:28

want to go , whatever it is and that

40:30

you want to do , but it is always

40:32

, like you know , doing that internal

40:35

work which can save you a lot of time later

40:37

.

40:39

So I can already hear if

40:41

this would be like a life life radio

40:43

call-in show , I would . I would hear phones

40:45

right now of like people's . To be like

40:47

Sam , I want to dial

40:49

to 25 pound KK pounds

40:52

a month . How can I do that ? What

40:54

do I have to dial on my thermostat ?

40:57

So I think the first thing you'll have to look

41:00

is , I mean , apart from

41:02

doing your money , personality , which will give what you thought about

41:05

our money . But the first thing we'll have to see

41:07

is why you're not earning 12

41:09

, why you are not earning 25,000 pounds

41:11

now . So what is

41:14

? Had it stopped you ? So if

41:16

, if you say that I'm not educated enough

41:18

, there are a lot of people who are not educated they're earning

41:21

that . So

41:23

you're always I always use that as an inspiration

41:25

that if , if , like , there's someone like

41:27

me , I'm like , oh , this person can do this . Like

41:30

, why can't I ? Why why can't

41:32

? Rather than saying that , well , I

41:34

can never do it , I like , why not me ? She

41:36

can do it , why not me ? So

41:38

first is , why you're not doing it . So we go

41:40

through basically all the money blocks and money

41:42

supertages that you have and

41:45

we find out a way of how we can , you

41:47

know , rewire them . And there are a lot of exercises

41:49

which you can do , both like on a beliefs

41:51

and NLP and hypnosis . Working

41:54

on the beliefs is the fastest , I believe , because

41:56

it's a more , it's a more sustainable

41:59

way of doing things . So you , you have

42:01

a look at that . The second thing you see

42:03

, is you only start becoming the person who

42:05

owns $25,000

42:08

a month . So you were

42:10

like you think about

42:12

. What does this person

42:15

thinks

42:17

, feels , how do they ?

42:19

act ? How does they carry

42:21

themselves ? How do they ? Is she

42:23

like ? Is ?

42:23

she a person , for example , like when

42:25

I was trying to reach my last level of income and

42:28

even now when I'm trying to reach my next level of

42:30

income , I always think will this woman

42:32

actually like it when you go out with

42:34

your girlfriend and you had a drink ? Will she actually be bitching

42:36

about a friend who is not there ? No

42:38

, because she's so happy in a world that

42:40

she's almost like she was like Bobby . I thought

42:42

she's in the first half of the movie .

42:43

Yeah , I

42:46

had to say I had the same conversation

42:48

with myself like no , she will not bitch about

42:50

them , she will not gossip about them .

42:52

So Exactly

42:54

yeah . So and think about what is she

42:56

passionate about , what does she cares about , and

42:59

try and I'm talking to she , because we're not talking about

43:01

women , but it applies , all of this applies

43:04

equally to man and

43:06

then you start doing as much of it as

43:08

now . So , yes , you can't maybe

43:10

buy a designer handbag , but you can clean

43:13

your handbag . You do what I call

43:15

is incremental increase . So

43:17

if you suddenly go in like I always tell

43:19

when I hear someone say that , oh , my previous money

43:22

coach told me that go buy a designer back to feel

43:24

rich . But now I feel really bad because

43:26

that's what the time record , it can't , and I'm like that's the worst way to

43:28

do it . You do incremental increase because , first

43:30

of all , your mind cannot take it .

43:33

And yeah , like if you go from your time start from 5,000

43:36

a month to , let's say , 100k

43:38

a month , your entire

43:40

body has like over the place , right

43:42

?

43:43

You just want incremental changes . So you kind of go

43:45

like well , maybe she takes better care of herself

43:47

. So you know , like I love this , but please , if

43:49

I can't wash my hair every day , I'll at least make it

43:52

a attempt to put some dry shampoo on it before

43:54

I brush it and before I go on a call

43:56

. And you try to think as

43:58

many of those things as possible and if you find

44:00

that slowly , slowly you will start increasing

44:02

it . So after a while you kind of go

44:04

like oh , I can do this better , like I

44:06

can do this . So it is already

44:08

becoming the person who you want to be . It's

44:11

almost like I mean , I

44:14

don't know like , have you like if anyone here

44:16

who has done a

44:18

corporate job or they know that

44:21

they always tell you that to go for

44:23

the promotion at the next level you

44:25

have to be done ?

44:25

that , always , always . And you

44:27

want to have the corner office and like , and

44:30

I had the corner office and it was fucking me . So there you go

44:32

.

44:33

So , for example , if you are a manager who wants

44:35

to become a director , you have to become

44:37

the director as a manager

44:39

, even though you're not getting that salary

44:41

. So it's the same . I feel sometimes that people in

44:43

corporate world actually do it much better than

44:45

people like us in business

44:48

world , because they're trained right , that they always

44:50

have someone telling them but you need to do the job before

44:52

you get the job . So

44:55

it's almost like that you need to become that

44:58

person before you

45:00

actually become person and before you actually

45:03

start spending the money coming

45:05

in .

45:07

You know what like besides from that

45:10

, like what we said , like we're not we're

45:12

not bitching about the person not here and not gossiping

45:14

about that what was one of

45:16

the other major things that

45:18

I'm I released and I'm

45:20

still currently doing ? I'm

45:23

like you know people who are

45:25

really good with big money . They're

45:28

not spending so

45:30

much time going

45:32

back and forth whether they should spend that money

45:34

or not . So I I

45:37

really lowered the time

45:39

of me thinking

45:41

about whether I should spend that money or not

45:43

. I mean , I don't know , maybe

45:45

a year ago I would have something in my card

45:48

or sign up for a course whatever

45:50

, not even like big money , maybe $300

45:52

, $400 for something and

45:54

I would . I would think about it for a week

45:57

or two weeks and

46:00

now it's just like , yeah , let's do . I

46:02

mean , we're smart , we're capable , we

46:04

can do make decisions . And now I'm just like , yes

46:06

, okay , I want to do this . Do I have the money for

46:08

it ? Yes , go , yeah .

46:11

And that's such a good point . And also one

46:13

of the things which I , which I had to change

46:15

in myself and I'm still working on it is

46:18

I found out that a woman

46:20

who , let's

46:22

say , make make more than 500K

46:24

a year , she would be very generous

46:27

with the courses , but she would never

46:29

be treated as a fool for money . So

46:31

she would know that where like , she would not

46:33

have subscription where she doesn't know like

46:35

you know , like , so if I have 500,000

46:37

coming every year , I

46:40

would have investments and stuff . So she

46:42

would , she would not be like , she wouldn't be like that , oh

46:44

, I don't know where my investments are going

46:47

or what's happening to them , so I don't have

46:50

, she's in care , she's in control

46:52

. Exactly , she has taken her power

46:54

back with respect to money and

46:57

I was like , okay , I go , I don't have big investments

46:59

, but I can do that same thing with

47:02

my subscription . So I can , like

47:04

, go through my subscription list and see

47:06

, like , have I used it ? Have I used it ? Yes

47:09

, so it's a point . It's very interesting because I

47:11

was doing what I call . I call this . It's a part

47:13

of decluttering exercises . I

47:15

do it with my clients and I was doing it for myself , and today

47:17

I saw my Wi-Fi bill

47:20

and I was like what is this extra ? It's

47:22

only six months , but it is . I'm sending a signal

47:25

to the universe that I can't be trusting with money

47:27

because I'm what is this extra six months ? And

47:29

then I was like it's for

47:31

extra fast landline and

47:33

I don't have a landline , so

47:36

why have I been paying that ?

47:41

Yeah , right , it's . Yeah , say , every

47:43

year I go through my descriptions and like , no

47:46

, I actually mm-mm and

47:49

like just this year I canceled the

47:51

Pzado because I just wasn't using it

47:54

enough and I'd be like I

47:56

don't know whatever I thought I needed , but anyway , that's

47:58

a different . So that's a really good point

48:00

of really going through , yeah

48:04

, your subscriptions and and it

48:07

might not be about the six pounds , right

48:09

, but just seeing like

48:11

, but taking your , it's about sending a message to the

48:13

universe Because I'm taking

48:16

you seriously , taking the power back , yeah

48:18

.

48:18

It's about . For me that was a big thing , that , like

48:22

, she would be very , very generous , as you said , right , you give . I'm

48:24

so , so satisfied that , like you know

48:26

that you give 10 to 12 , 20% of

48:28

your earnings and charities . But

48:30

so she would be very generous , but she

48:32

would appreciate money . She would , she

48:35

would , she would be , she would spend it

48:37

on weight or the things which are dear to her , but

48:39

she would not be taken for a full where

48:41

her money is concerned , because she will never

48:43

reach , she'll never become like

48:46

. Right , yes , I

48:48

was doing that .

48:51

Oh , I love this . Yeah , this

48:53

is . I think this is such an inspiring note to end

48:55

our conversation to really be

48:58

mindful of where you

49:00

can just reclaim your money powers

49:02

, right . Whether it's might be small

49:05

with with subscriptions , or

49:07

bigger with investments , it

49:10

doesn't matter right , you can start right where you're

49:12

at . I think that's that's

49:14

that's a super powerful message , sam

49:17

. Where can people get in touch

49:19

with you ? Where do you hang out online

49:22

and people meet you ?

49:23

Well , thank , you for asking , so you can find

49:26

me on Instagram at inhersuccessfulshows

49:31

, and you can

49:33

email me at samiratsamiratsingcoachcom

49:35

. I'm sure Jennifer

49:37

will thank you , and

49:40

you can also find me on my free

49:42

Facebook community or take

49:44

the pre-assessment to find

49:46

the money personality . I love hearing back

49:48

from people when they take that assessment

49:50

to find out what money personality they are in

49:53

. That is so interesting .

49:55

Thank you , I get that , and

49:58

I've always one last question for anyone who's

50:00

on a cinegrig what book

50:02

are you currently reading ? What book ?

50:04

I'm currently reading . I am a

50:06

total , total bookworm , so I'm rereading

50:08

the Midnight Library . It's one of my favorite books

50:10

. Oh , now I know

50:12

, oh yeah .

50:17

The Midnight Library is gorgeous , I know it

50:19

.

50:21

I'm rereading and I

50:23

love reading any kind of stuff , but

50:27

yeah , that's the latest on my list . The

50:29

other one I'm going to read after I finish , that is

50:32

I just saw this BBC thriller called Wolves

50:34

. It's based on the like

50:36

Wolves . It's based on the serial

50:38

killer .

50:39

So I don't know . I love BBC

50:41

. I've loved BBC crime too . In fact , I've never heard of

50:43

that .

50:43

Okay , I love BBC crime but

50:46

I'm pretty sure I'm very eyes to what BBC .

50:49

No , no , but seriously , I mean , they have great

50:51

crime series . Bbc crime series are really

50:53

cool , like they've done an amazing series

50:55

. Okay , so good . So

50:57

now we have what we have to watch next and also what we have to read

51:00

next . This

51:02

is amazing . I

51:04

like that . That's very good . Hey

51:06

, sam , thank you so much for

51:09

this conversation around money . Thank you so

51:11

much for being on the cine group with me .

51:12

Thank you . It's a pleasure and absolute

51:14

honor to be here and to be in front

51:17

of your amazing audience and

51:19

your energy .

51:22

Thank you so much .