Growing up, I always assumed adults had money figured out. I thought that once you became an adult, you automatically learned how to manage your money, invest wisely, and build a secure future.

My own financial journey started very young.

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When I was 9 years old, I went to boarding school in a different country from my family. I only saw them twice a year, which meant the pocket money I received had to last me nearly five months at a time. During my first semester, I learned the hard way. I ran out of money within my second month and spent the next few months scraping by.

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That experience taught me budgeting very early in life.

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My system was simple. I had a school diary where I would draw little pictures of the things I needed or wanted, shampoo bottles, candies, snacks, even birthday cake for my celebrations, and allocate money toward them each month. I tracked my spending carefully, and if I reached my limit in one category, I would wait until the following month before spending again. Without realizing it at the time, I was already learning discipline, delayed gratification, and long term planning.

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At the same time, I grew up surrounded by people who appeared financially responsible. My family invested in land whenever they could. In Bhutan, where international investment opportunities were limited, land ownership was considered one of the strongest long term investments. Watching my parents and grandparents save carefully and purchase assets whenever possible gave me the impression that this was simply what adults did. I assumed financial confidence naturally came with age.

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That belief changed when I entered the banking industry.

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I have always loved economics because it helped me understand how the world works. I became fascinated by microeconomics, macroeconomics, and developmental economics because I could connect theory to real life and understand patterns in human behavior, markets, and decision making. Pursuing a career in banking felt like the natural next step after earning my economics degree.

But there was another reason I entered the industry.

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I believed that people who had their money in the bank understood money. I thought banks would be filled with financially knowledgeable people and clients who had mastered wealth building and long term financial planning.

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So I started my career from the ground up. I worked as a teller, moved into operations, became an advisor, stepped into supervisory roles, and eventually had the opportunity to work with Edward Jones as an investment and insurance specialist and financial advisor.

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Throughout that journey, I discovered something surprising.

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Many people, regardless of income or career success, did not truly feel confident with money. Some were earning good incomes but still felt overwhelmed when it came to investing, planning, or making long term financial decisions. Others had never been taught the basics of how money actually works.

I began to realize that financial stress is often not caused by a lack of intelligence or work ethic. It is caused by a lack of accessible financial education.

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For me, saving and investing came naturally. Even as a teenager, I was loaning money to my older cousins and charging interest. I genuinely thought financial knowledge would naturally come with adulthood. But my experience in banking showed me that many people were simply trying their best day by day without truly understanding how to make their money work for them.

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And because of that, many people delayed opportunities in life. Some stayed stuck in jobs they no longer enjoyed. Others struggled to make major life decisions confidently, whether it was buying a home, growing their family, switching careers, or preparing for retirement.

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One of the biggest turning points for me came while working as an advisor at HSBC Canada. I realized that the greatest impact I could make was not just helping people create financial plans, but helping them actually understand their finances.

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I loved explaining why we were choosing certain accounts, investment strategies, or long term approaches. I loved watching people go from feeling intimidated by money to feeling confident enough to ask questions, make decisions, and take ownership of their financial future.

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That changed everything for me.

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I saw firsthand how financial education could completely shift not only a person’s life trajectory, but their family’s future as well. And the more I helped people understand money, the more passionate I became about making financial education feel approachable, honest, and empowering.

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Over time, I also realized that the best financial relationships are built on trust, transparency, and genuine education, not pressure or dependency. I believe people deserve to understand what is happening with their money, ask questions freely, and feel empowered rather than intimidated. For me, giving value first and helping people make informed decisions has always mattered more than simply selling a product.

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After spending close to a decade in the financial industry, I made the decision in 2024 to open Binisha Giri Wealth Consultancy.

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I built my practice around one core belief: financial education changes lives.

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Throughout my years in banking and wealth management, I saw that income alone was never enough. No matter how much money someone earned, without the foundations of financial and investment education, it was difficult to make confident long term decisions.

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That is why education became the foundation of my business.

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I also became increasingly aware that many financial institutions benefit when clients remain dependent on them. In reality, managing your own money can be much simpler than most people think when you have the right guidance and education.

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That is why, at Binisha Giri Wealth Consultancy, I chose not to directly manage client assets. Instead, I help clients learn how to confidently use self directed investment platforms so they can take ownership of their own financial future.

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My goal has never been to create dependency.

It has always been to create confidence.

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I started Binisha Giri Wealth Consultancy because I wanted financial conversations to feel accessible instead of overwhelming. I wanted people to feel informed instead of intimidated, empowered instead of confused.

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Because when people truly understand their finances, they do not just build wealth.

They create freedom, opportunities, and choices for themselves and the people they love.