Long time no see 🫣

Hey,

It's been a while…almost a year actually.

I wanted to pop back in, share a quick update, and let you decide if you still want to be here.

A few things that happened since we last spoke:

• Went back to Punjab after 7 years (wrote a blog about it here)
• Started working for my dad's business, Seed to Legacy Financial, helping with marketing, operations, and systems
• Watched close friends get married 🥹 feels like a new phase of life is beginning
• Decided to stop waiting until "I have time" to write. I've wanted to be a writer since Grade 10. So I'm just starting now.

Here's the bigger update though:

Before, I was working as an insurance and investment broker. I genuinely wanted to help people with their investments, their coverage, their financial future. But I kept running into the same wall: I could only work within the products I had access to. And that wasn't always what the person actually needed.

Now that's changed.

I'm doing financial coaching independently, charging for sessions directly.

Which means I can look at someone's full picture: budgeting, investing, what accounts to open, how to think about money and actually give them what's right for them.

No limitations, no agenda.

That's what this newsletter is going to be about.

Biweekly. Real financial stuff, behind the scenes of what I'm doing with clients, things that are actually useful, and honest conversation about money.

What this newsletter will actually be:

Biweekly. Focused on real financial stuff: budgeting, investing, what accounts to use, and behind-the-scenes of what I'm doing with clients. Less theory, more actual life.

Like this: last week I sat down with my sister, who just went full-time teaching Punjabi online. I asked her about her financial goals and kept pushing past the surface answers.

What came out wasn't numbers. It was fear. The fear of relying on someone else financially. The dream of giving back one day. The frustration of saying yes to things she couldn't really afford just to keep up.

That's what financial goals actually are when you dig past the surface. Not numbers but fears, hopes, the life you're trying to build.

That's what I want this space to be about.

If that sounds like you, glad you're here!

If not, no hard feelings at all!

You can unsubscribe below. Genuinely.

More soon,
Eranjit Kaur