Part 2 of the Spending Series gets practical: How do you decide where your discretionary money goes?

Tim introduces a powerful exercise learned from coach Rich Litvin. The result? Crystal clarity on your true priorities—and permission to spend guilt-free on what matters while feeling relaxed about the rest.

Shabbar shares a client story: Someone with plenty of money felt crushing guilt about going over budget on curtains for their home renovation. The real issue? An unconscious belief that exceeding budget = irresponsible.

You'll explore:

• Why going "over budget" triggers shame even when you can afford it.
• The difference between intrinsic and extrinsic spending motivators.
• How to do the post-it note prioritization exercise (step-by-step).
• Why couples fight over money (hint: different values, not different numbers)

Shabbar's dilemma: Golf holidays vs. pension contributions? Life-centered spending in action: Tim's Arsenal tickets, Shabbar's Himalayan trek.

The insight: Budgeting shouldn't feel heavy. It should help you spend confidently on your top priorities while releasing guilt about everything else.

Explore the impact of Tim Malnick's work and register for his upcoming workshop at: https://timothymalnick.com/

Find out more about Shabbar's services at: https://lumosfinancial.com/

Feel free to comment, ask questions, and connect with them both on Linkedin at: https://uk.linkedin.com/in/shabbarkassam

https://uk.linkedin.com/in/timmalnick

The call came mid-panic. Years of overspending. Mountains of debt. But here's what made it fascinating: this person knew they needed to stop. They just... couldn't.

"I can't tell my kids they can no longer order Uber Eats."

But what if the real problem wasn't the spending at all?

This episode cracks open the psychology behind why some people can't stop buying things that don't make them happy—and why others hoard money they'll never spend, living with constant anxiety despite being wealthy.

The uncomfortable questions:

• What are you actually trying to purchase when you buy that car, that holiday, that private school education?
• Why does "scaling back" feel like existential failure—even when rationally you know you need to?
• What if the feelings you're chasing (success, status, security) were never in the purchases in the first place?

You'll explore:

• The two spending traps most people fall into (and why both lead to misery).
• Why wealthy people still wake up anxious about money
• Money-centered vs. life-centered spending—and the difference changes everything.

Shabbar confesses about his Canadian Rockies trip. Tim reveals why overspending and underspending are two sides of the same psychological coin.

No budgeting tips. No "skip the latte" advice. Just the raw psychology of what we're really doing when we spend.

Explore the impact of Tim Malnick's work and register for his upcoming workshop at: https://timothymalnick.com/

Find out more about Shabbar's services at: https://lumosfinancial.com/

Feel free to comment, ask questions, and connect with them both on Linkedin at:

https://uk.linkedin.com/in/shabbarkassam

https://uk.linkedin.com/in/timmalnick

What happens when millionaire athletes argue about whether they should get paid for doing what they love?

When the world's best golfers gathered for the Ryder Cup, a money debate exposed two completely different worldviews.

The Europeans refused payment. The Americans demanded compensation. Both teams are multimillionaires. So why did this become so awkward and controversial?

Tim and Shabbar dive into this unexpected money drama to explore deeper questions: Does getting paid change how we experience meaningful work? What happens when "time is money" thinking collides with purpose-driven passion? And why does money seem to "get in the way" of some of our most fulfilling experiences?

Using this sports story as a lens, they unpack the tension between transactional and life-centered approaches to work, time, and compensation—with surprising insights for anyone navigating their own relationship with money.

You'll discover:

* Why clarity (or lack of it) makes money conversations so uncomfortable * The hidden cost of "I should be paid for my time" thinking * How collective endeavour differs from individual compensation * What multimillionaires working for free reveals about human psychology * When NOT getting paid might actually be the better deal

Whether you're setting your prices, doing community work, or questioning why you do what you do—this conversation will shift how you think about money, meaning, and what truly matters.

Explore the impact of Tim Malnick's work and register for his upcoming workshop at: https://timothymalnick.com/

Find out more about Shabbar's services at: https://lumosfinancial.com/

Feel free to comment, ask questions, and connect with them both on Linkedin at:

https://uk.linkedin.com/in/shabbarkassam

https://uk.linkedin.com/in/timmalnick

How do you set your fees? Most people just follow the herd—or worse, tie their pricing to their self-worth. And what if the way you set your fees reveals more about your psychology than your business strategy?

Tim and Shabbar dive deep into the uncomfortable territory of pricing, charging, and what it means to ask for money. From vegetarian lunches to annual retreats, they explore how moving beyond numbers-based thinking can transform both your business relationships and your bottom line.

You'll discover:

• Why your fee has nothing to do with your worth as a human
• The two psychological traps that keep you undercharging or overcharging
• How to think about pricing when you're self-employed or setting organizational fees
• Why "time is money" logic limits possibility
• What happens when you prioritize delight over dollars

Perfect for:

• Self-employed professionals stuck on pricing decisions
• Anyone who feels guilty asking for money
• Business owners who suspect they're undercharging (or overcharging)
• People who want to break free from conventional fee-setting
• Anyone tying their self-worth to their price tag

Warning: This conversation might make you rethink everything you charge.

Explore the impact of Tim Malnick's work and register for his upcoming workshop at: https://timothymalnick.com/

Find out more about Shabbar's services at: https://lumosfinancial.com/

Feel free to comment, ask questions, and connect with them both on Linkedin at:

https://uk.linkedin.com/in/shabbarkassam

https://uk.linkedin.com/in/timmalnick

Have you ever wondered what goes on in a coach's mind when they set their prices?

For many, it's a simple business calculation around maximising profit, but in a world where money feels rigid and routine, some are choosing to break the rules.

In this episode, we pull back the curtain on a radical approach to setting fees that challenges everything you thought you knew about money, value, and worth.

You'll hear real stories from Tim's unique charging structures for his coaching and money workshops, including some involving olive oil and honey! You'll also discover how a playful and experimental mindset can revolutionize your relationship with money, and how you can build a business that serves your community and your soul.

Join us as we discuss:

• Why a fixed price can often be a trap, and how flexible fees can lead to greater fulfilment.
• How to use money as a tool for connection, not just commerce.
• Why the most valuable transactions often have nothing to do with cash.

Explore the impact of Tim Malnick's work and register for his upcoming workshop at: https://timothymalnick.com/

Find out more about Shabbar's services at: https://lumosfinancial.com/

Feel free to comment, ask questions, and connect with them both on Linkedin at:

https://uk.linkedin.com/in/shabbarkassam

https://uk.linkedin.com/in/timmalnick

Do you ever feel like conversations about money are just… heavy?

From the daily grind of paying bills to the big decisions about your future, money is often surrounded by a serious, anxious energy. But what if that feeling has nothing to do with money itself?

In this episode, we dive into why money feels so serious and tense for so many of us. We expose the subconscious beliefs and hidden anxieties that weigh us down, and reveal why our "money dance"—the unconscious patterns we repeat—keeps us locked in a state of stress.

Join us as we explore a radical new way to approach your finances: with playfulness and lightness. Discover how changing your mindset isn't just about feeling better, but about making smarter, more conscious decisions that can truly set you free.

Explore the impact of Tim Malnick's work and register for his upcoming workshop at: https://timothymalnick.com/

Find out more about Shabbar's services at: https://lumosfinancial.com/

Feel free to comment, ask questions, and connect with them both on Linkedin at:

https://uk.linkedin.com/in/shabbarkassam

https://uk.linkedin.com/in/timmalnick

Ever been at a group dinner where the bill arrives and the atmosphere instantly gets weird?

One person grabs for it, another insists they pay, and everyone else is secretly calculating if they're getting a good deal. We've all been there, but have you ever wondered what's really going on?

In this episode, we dive into "the unscrupulous diner's dilemma," a fascinating psychological study that reveals why we act so strangely when it comes to splitting the bill.

We'll uncover the hidden social anxieties, unspoken rules, and subconscious money patterns that turn a simple transaction into a complex social dance.

You'll learn what your behaviour around the dinner table says about your deepest money fears, and how to navigate these situations with confidence and clarity.

Tune in to discover the unwritten rules of mealtime money and why a simple meal with friends can be so loaded with emotional drama.

Explore the impact of Tim Malnick's work and register for his upcoming workshop at: https://timothymalnick.com/

Find out more about Shabbar's services at: https://lumosfinancial.com/

Feel free to comment, ask questions, and connect with them both on Linkedin at:

https://uk.linkedin.com/in/shabbarkassam

https://uk.linkedin.com/in/timmalnick

What does it feel like to reach the pinnacle of your career?

Most of us imagine it's a moment of pure euphoria, a feeling of finally arriving. But when the world's best golfer, Scottie Scheffler, was asked about his own success, he gave a surprisingly honest answer that has us all asking a deeper question: "What's the point?"

In this episode of the Problem of Money Podcast, we're diving into the shocking truth about success and fulfilment. We expose the illusion that so many of us chase—the idea that more wins, more money, or more achievements will finally make us feel whole.

The truth is, that fleeting feeling of accomplishment is often an empty one!

Join Shabbar and Tim as they explore how to break free from this endless chase and find true meaning, a path that has nothing to do with numbers, titles, or how much you have in your bank account.

Explore the impact of Tim Malnick's work and register for his upcoming workshop at:

https://timothymalnick.com/

Find out more about Shabbar's services at: https://lumosfinancial.com/

Feel free to comment, ask questions, and connect with them both on Linkedin at:

https://uk.linkedin.com/in/shabbarkassam

https://uk.linkedin.com/in/timmalnick

Ever feel like your bank account is a direct report card on your intelligence?

You're not alone!

We've all been there: a bad investment, a poor spending choice, or just the feeling of being left behind by a financial world we don't understand. We believe our net worth is our self-worth, and that one "stupid" money decision can haunt us forever. But what if the number in your account has nothing to do with how smart you are?

In this episode of the Problem of Money Podcast, Shabbar and Tim tackle the mental traps that keep us feeling stuck. They reveal why so many of us tie our intelligence to our income and how this mindset can create a paralyzing fear of doing anything with our money.

Join them as they explore the hidden value in making mistakes and uncover how to reclaim your power—and your intelligence—from your finances.

Explore the impact of Tim Malnick's work at: https://timothymalnick.com/

Find out more about Shabbar's services at: https://lumosfinancial.com/

Feel free to comment, ask questions, and connect with them both on Linkedin at:

https://uk.linkedin.com/in/shabbarkassam

https://uk.linkedin.com/in/timmalnick

"The most powerful financial education you can give your kids might NOT be what you think."

In this insightful episode, Shabbar and Tim turn the lens from being shaped by parents' money experiences to how we, as parents, consciously and unconsciously transmit our money beliefs to the next generation.

Shabbar shares personal reflections on trying to instill his own "right way" of managing money in his children, highlighting the frustration when reality doesn't match expectations.

This isn't just about budgeting apps; it's about the deep-seated values and fears we inadvertently pass down.

Join them as they explore:

• The often-unnoticed "financial education" happening in your home every day.
• Why children with the same upbringing can develop wildly different money personalities (think: the saver vs. the spender!).
• The hidden messages you might be sending your kids about sacrifice, risk, and what it truly means to be successful.
• Why the best financial legacy you can leave might not be a large sum of money, but a model of living a full, authentic life.

This episode is a must-listen for parents, aspiring parents, or anyone working with kids and curious about the invisible forces shaping our relationship with money and life itself. Are you ready to understand the legacy you're truly building?

Explore the impact of Tim Malnick's work and register for his upcoming workshop at:

https://timothymalnick.com/

Find out more about Shabbar's services at: https://lumosfinancial.com/

Feel free to comment, ask questions, and connect with them both on Linkedin at:

https://uk.linkedin.com/in/shabbarkassam

https://uk.linkedin.com/in/timmalnick