Insights

Money, life, and the stuff no one taught us.

Practical, shame-free guidance for young adults navigating money, big decisions, and building real independence in their 20s.

Work with Jalpa
Money mindset
Shift how you think, change what you do
Life transitions
First job, moving out, starting over
Early career
Salary, savings, and smart decisions

Featured Posts

Why Do I Spend More When I’m Anxious or Bored?

Why Do I Spend More When I’m Anxious or Bored?

Why do I spend more when I'm anxious or bored? If you've ever found yourself scrolling through your phone, adding things to a basket, and then wondering why you did it - you're not alone, and you're not weak. What you're doing is deeply human, and it makes a lot more...

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Why Do I Spend More When I’m Anxious or Bored?

Why Do I Spend More When I’m Anxious or Bored?

Why do I spend more when I'm anxious or bored? If you've ever found yourself scrolling through your phone, adding things to a basket, and then wondering why you did it - you're not alone, and you're not weak. What you're doing is deeply human, and it makes a lot more...

How Do I Ask My Parents for Money Without Feeling Like a Failure?

How Do I Ask My Parents for Money Without Feeling Like a Failure?

How do I ask my parents for money without feeling like a failure? If you've ever found yourself in that position - staring at your bank balance, knowing you need help, and feeling a wave of shame before you've even picked up the phone - you are far from alone. Needing...

I Grew Up Without Money – Why Do I Self-Sabotage When I Earn More?

I Grew Up Without Money – Why Do I Self-Sabotage When I Earn More?

I grew up without money - why do I self-sabotage when I earn more? It's one of the most searingly honest questions I hear in coaching. And it takes real courage to ask it, because buried inside it is an admission that something isn't quite right - that the success you...

How Do I Stop Arguing With My Partner About Money?

How Do I Stop Arguing With My Partner About Money?

How do I stop arguing with my partner about money? It's one of the questions I get asked most - and one of my favourite topics to work through with people, because the answer almost always surprises them. Money arguments are rarely about money. That sounds like a...

Why Do I Feel Ashamed About My Spending?

Why Do I Feel Ashamed About My Spending?

Why do I feel ashamed about my spending? If you've ever asked yourself that question - quietly, privately, in a way you'd never say out loud - you're not alone. Money shame is one of the most common feelings people carry, and one of the least talked about. It shows up...

Do I Need to Pay Tax on Tips or Overtime?

Do I Need to Pay Tax on Tips or Overtime?

Do I need to pay tax on tips or overtime? Yes - and most people are surprised when they find out. It's one of those questions I hear a lot, especially from young adults working in hospitality, retail, or any job where extra hours and cash tips are part of the picture....