The Lakhmi Institute

10/28/2026

Not all financial advice is meant for you. Your financial journey is unique, and your solutions should be, too. Seek the guidance that aligns with your goals, your circumstances, and your needs—and watch your financial future take a turn for the better.
Book your discovery appointment at www.lakhmilearning.com

10/27/2026

I deserve it! The most expensive sentence you could tell yourself!

10/24/2026

You can't always control what happens to you financially, but you can learn to respond differently.
At The Lakhmi Institute, we help you understand your financial patterns and build practical strategies to move forward. Let's break the cycle, one decision at a time.

10/23/2026

2027 is 10 weeks away. Does your budget know that?

An hour and half in person workshop to review this year and plan the next one, Saturday, Oct 31 at 11:00 am. Save your seat.

This month's Patterns & Events is about the one moment every business and organization faces at the same time: the end of the year.
The event: Q4
The last quarter is when the year's patterns finally show up in the numbers. The months that ran short. The expenses that crept up. The income that came in later than you planned. Most owners feel those patterns all year but never see them laid out in one place.

The pattern: running on "feel" instead of numbers
You're not alone if money feels unpredictable. In the Federal Reserve's 2025 Small Business Credit Survey, 94% of the smallest employer firms (1 to 4 employees) reported at least one financial challenge in the past year. In the prior year's survey, 56% of small employer firms struggled to pay operating expenses, and 51% dealt with uneven cash flow.
Uneven cash flow usually isn't a sales problem. It's a planning problem. And Q4 is the best time to fix it, because you have a full year of real numbers to learn from.

Join me Saturday, Oct 31: Q4 Budget Review & 2027 Planning
We'll walk through:
1. Reading your year: how to look back at 2026 and spot the patterns in your income and spending
2. The Q4 checkup: what to review before Dec 31 so you aren't scrambling in tax season
3. Building a 2027 budget from real numbers: not last year's guesses
4. Planning for the uneven months: how to prepare for slow seasons before they arrive
This workshop is built for small business owners, churches and organizations. You'll leave with a clear picture of where you stand and what to focus on first in 2027.

Before you come, pull up one thing: your bank statements or sales totals for the last three months. Seeing your own numbers during the session makes everything click.

Save your seat
Spaces are limited. Know a business owner or ministry leader who's been saying, "next year we'll get organized"? Forward this to them.
Spot the pattern. Own the moment.
Rupande Chokshi - Financial Strategist & Owner, The Lakhmi Institute

Sources: Federal Reserve Banks, Small Business Credit Survey. Links in the Sources section below.

Click here for an update from The Lakhmi Institute!

10/22/2026

The cycle of unhealthy financial patterns can hold you back, keeping you in the same place for years. Breaking the cycle starts with understanding your patterns.

Let’s connect to uncover what’s holding you back and help you take control of your financial future!

10/19/2026

The 5 factors that make up your Credit Score!

If you want to learn more about how Credit works, please join us for the Credit Confidence Lab on 24th October by signing up on our website.

10/19/2026

Ready to make your credit cards work for you?

Join us on 24th October at 11:00 am for Credit Confidence Lab! Learn how your credit works, what is the difference between credit score and report, myths about credit and what are the right ways to make your credit work for you.

Reserve your spot before Oct 22nd by clicking the link below. We look forward to seeing you there!

Click here for an update from The Lakhmi Institute!

10/18/2026

Knowing and creating your safety net is half of the battle when you are trying to build financial security!
Book a 30 min discovery meeting to understand your safety net!

10/13/2026

Tip of the day!