Choose Your Own Finance

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

Most people avoid thinking about retirement because they assume the number is impossibly large.It is not.Your FI number ...
23/07/2026

Most people avoid thinking about retirement because they assume the number is impossibly large.

It is not.

Your FI number is not a mystery. It is not something only a financial advisor can calculate. It is a straightforward formula that anyone can work out with 12 months of real spending data and a calculator.

No guessing. No estimates. Just your actual numbers.

And once you have it, everything changes.

You stop feeling like financial independence is something that happens to other people. You start seeing it as a destination with a viable pathway to it.

That shift alone is worth more than any financial product someone could sell you.

Swipe through to see exactly how the formula works, and grab my free expense tracker at cyofinance.com/resources to get started today.

20/07/2026

You have been thinking about investing the wrong way.

Most people spend their energy trying to find the next big stock. The next Nvidia. The next company that is going to 10x their money.

But here is what the data actually shows.

In any given year, only 2 to 3% of stocks dramatically outperform the market.

The rest? Most make between 0 and 5%. Many eventually go to zero.

So if you are trying to pick winners, the odds are stacked against you before you even start.

The investors who build real long-term wealth are not the ones who picked the right stock.

They are the ones who stopped trying to pick at all.

A single global index fund gives you every winner and every loser. The winners carry the portfolio. The losers barely move the needle.

And the average of all of it has grown roughly 10% per year across history.

Boring? Maybe.

Effective? Completely.

You do not need to be clever to build wealth.
You just need to stop making it complicated.

Follow for more straightforward investing education or book a free 15-min call at cyofinance.com. Link in bio.

17/07/2026

Scared about the market right now? Good. That means the plan is doing its job.

Your financial plan wasn't built for calm markets. It was built specifically for moments like this one.
The risk isn't the news cycle. It's reacting to it.

What's harder for you: staying the course, or avoiding the financial news entirely?

13/07/2026

Your nervous system is not a good investment advisor.

A plan built during clear thinking is. Follow it. Then go help a neighbor, move your body, reach out to your community.

That anxious energy is real. It just belongs somewhere other than your portfolio right now.

What's one way you're redirecting your energy this week?

10/07/2026

We hit financial independence and did not even notice for a month.

No dramatic moment. No confetti. No feeling of arrival.

My husband checked our portfolio and said we should probably start making plans.

That is the thing nobody tells you about reaching FI.

The market does not go up in a straight line. There are years where it drops 20% and stays flat for what feels like forever. You start to adjust your expectations. You push the timeline out. You tell yourself it is probably still a few years away.

And then suddenly, without warning, it is not.

We went from thinking we were five years out to realizing we had already crossed the finish line.

The lesson is not that we were lucky.

The lesson is that this is exactly how long term investing works. Slow, then all at once. Invisible progress, then an unmistakable result.

You do not need to see it happening to trust that it is.

You just need a plan strong enough to survive the uncertain years in between.

If you are in the slow part right now, stay in it.
The finish line has a way of showing up when you least expect it.

Nobody taught us this in school.And most of us grew up believing that investing was something reserved for a specific ty...
08/07/2026

Nobody taught us this in school.

And most of us grew up believing that investing was something reserved for a specific type of person. Someone with a finance degree. Someone who understood the markets. Someone who worked in a tall building in a big city.

That belief keeps more people on the sidelines than anything else.

The truth is that building long-term wealth does not require a background in finance. It does not require perfect timing. It does not require you to understand every term or follow every market movement.

It just requires a willingness to start.

With the right guidance, investing is far more accessible than the industry wants you to believe. And the earlier you begin, the less you actually have to do to get where you want to go.

You are not behind. You are not unqualified. You are just one conversation away from getting clear on your next step.

Book a free 15-min call at cyofinance.com and let's start there.

06/07/2026

Once you realize no company is coming to fund your retirement, something shifts. The pressure is real, but so is the freedom.

If your future is yours to build, then it is also yours to design. You are not waiting on a pension formula or an employer's promise. You get to choose the number and aim at it.

The catch is that a number on its own is not a plan. Knowing the target is step one. Building the system that actually gets you there is the real work, and that is exactly what I help people do.

If you want to figure out your number and map the path toward it, book a free discovery call with me: cyofinance.com/services.

No pressure, no pitch, just clarity on where you stand and what comes next.

Most people skip this step entirely.They want the investment strategy, the ETF ticker, the retirement number.But if you ...
03/07/2026

Most people skip this step entirely.

They want the investment strategy, the ETF ticker, the retirement number.

But if you don't know what your life actually costs right now, none of those answers will mean anything.

Pull up your bank statements.
Add up 12 months of spending.
That single number changes everything.

It tells you how much to save, how much to invest, and exactly how large your portfolio needs to be to never need a paycheck again.

Data comes before strategy. Always.

Book a free 15-min call at cyofinance.com and let's figure out your numbers together.

01/07/2026

Most people have no idea how much money they actually need to retire.

They guess. They worry. They assume the number is so large it is not even worth thinking about.

But your FI number is not a mystery. It is a math problem. And it has a very simple answer.

Track your spending for 12 months
Add it up
Multiply by 25

That is it. That is your number.

The hardest part is not the math.
It is starting before you feel ready.
It is staying invested when the headlines tell you to panic.
It is trusting a simple system in a world that profits from making finance feel complicated.

Your FI number is closer than you think.
You just need to know what it actually is.

Book a free 15-min call at cyofinance.com and let's calculate yours together. Link in bio.

29/06/2026

Cash is expensive to hold, there's an opportunity cost to keeping cash instead of investing. For one of my clients, that cost was actually $12000 last year.

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