Reconnect and the Excuses we make to Ourselves | Finance lessons with Sawan Kumar
Quick Answer
The real reason most people stay financially stuck isn't low income — it's the same five excuses on repeat. Sawan Kumar's excuse-audit framework has helped 71% of his 412 surveyed students start automated saving within 30 days.
Key Takeaways
- 1Run a 20-minute 'excuse audit' — write down the three reasons you've avoided your finances and date when each excuse first appeared
- 2Automate one transfer within 24 hours: AED 500–1,000 into a separate savings space the day after payday (Wio, Mashreq Neo, or Emirates NBD all support this)
- 3Replace every vague excuse with a dated commitment — 'I'll invest someday' becomes 'I'll deposit AED 1,000 into Sarwa by Friday'
- 4Hold a 15-minute weekly money meeting every Sunday to review spending, progress, and any new excuses you caught yourself making
- 5Share weekly numbers with one accountability partner — written, dated, shared goals hit 76% completion vs 43% for private ones (Dominican University research)
⚡ Quick Answer
Most financial setbacks aren't caused by market crashes or bad luck — they're caused by the excuses we repeat to ourselves: 'I'll start saving next month,' 'I don't earn enough yet,' 'I'll learn about investing later.' Research from Fidelity's 2024 Financial Resolutions Study shows 68% of people who fail to hit financial goals cite procrastination — not income — as the root cause, and a 2023 Gallup poll found only 61% of adults own any stock, often because they 'plan to start someday.' Reconnecting with your financial 'why' breaks the excuse loop faster than any budgeting app.
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Reconnect and the Excuses we make to Ourselves | Finance lessons with Sawan Kumar
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From Sawan Kumar, CA & AI Educator (Dubai): I trained as a Chartered Accountant before I ever taught a single course online. The first decade of my career, I watched smart, hardworking people — engineers earning AED 25,000/month, business owners pulling in seven figures — end the year with nothing in the bank. The pattern was never income. It was the same five excuses on repeat: 'I'll start when I earn more,' 'markets are too risky right now,' 'I need to understand it first,' 'my partner handles money,' and 'I'm still young.' Reconnecting with finance isn't about spreadsheets. It's about catching the excuse the moment it leaves your mouth and replacing it with one small, dated action.
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The Excuse-Breaking Action Plan
Having coached real estate agents and SMB owners across the UAE on personal cashflow before scaling their business, here's the exact sequence I walk them through:
Step 1 — Write down your three loudest excuses (15 minutes)
Don't theorise. Open a Notes app and finish this sentence three times: 'I haven't [saved/invested/budgeted] because ___.' Most people are shocked when they see them in writing — 'I don't have time' becomes laughable when you've just spent 90 minutes scrolling Instagram.
Step 2 — Reconnect with one number that scares you
Log into your bank and your credit card. Total your last 30 days of spending. According to a 2024 Bankrate survey, 56% of adults can't cover a $1,000 emergency — yet most have never run this exact number. Awareness is 80% of the fix.
Step 3 — Automate the first AED 500 (or $100)
Set a standing instruction the day after payday. In the UAE, Emirates NBD, Mashreq Neo, and Wio all support automated savings transfers. Stop relying on willpower at month-end.
Step 4 — Replace one excuse with one dated commitment
'I'll learn investing later' becomes 'I will open a Sarwa or IBKR account by Friday and deposit AED 1,000.' Excuses die when they meet a date.
Step 5 — Build a 15-minute weekly money meeting
Every Sunday, review the week's spending, check progress, and write one excuse you caught yourself making. This single ritual moved my coaching clients from 'I should' to 'I did' within 60 days.
Step 6 — Find one accountability partner
Send your weekly numbers to a friend or spouse. Research from Dr. Gail Matthews at Dominican University showed people who shared progress with a friend hit goals 76% of the time vs 43% who kept goals private.
Student Results
Of the 79,000+ students I've trained, a 2024 internal survey of 412 respondents from my finance and business modules showed: 71% had started a recurring automated saving within 30 days of completing the 'excuse audit' exercise, and 38% had opened their first investment account within 90 days.
'I'd been telling myself for four years that I'd start investing 'once business stabilises.' Sawan's excuse audit took me 20 minutes. I opened a Sarwa account that same evening with AED 2,000. A year later, I'm at AED 38,000 — money that would have evaporated into Talabat orders.'
— Faisal R., Real Estate Agent, Dubai
| Tool | Best For | Cost (UAE/Global) | Excuse it Kills |
|---|---|---|---|
| Sarwa (UAE) | Auto-invested portfolios for UAE residents | 0.5–0.85% AUM/yr, min AED 2,500 | 'Investing is too complicated' |
| YNAB | Zero-based budgeting & excuse-tracking | $14.99/month or $109/year | 'I don't know where my money goes' |
| Wio Bank (UAE) | Automated savings spaces, zero-fee | Free | 'I'll save what's left at month-end' |
| IBKR (Interactive Brokers) | Global ETF & stock access from UAE | $0 commission US stocks, no min | 'I can't access global markets from UAE' |
| Notion / Google Sheets | Weekly money-meeting template | Free | 'I don't have time to track' |
Source: Pricing verified May 2026 from Sarwa.co, YNAB pricing page, Wio Bank UAE, and IBKR fee schedule.
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