We often think our financial struggles are about “reality” – not having enough, getting ripped off, or being “bad” with budgets. But what if the biggest obstacle in your bank account is actually a stuck story you’ve been telling yourself for decades?

In this first deep-dive of 2026, we explore the incredible power of deliberate reframing. We move beyond just identifying your “money path” and show you how to consciously choose a new narrative that creates immediate lightness and freedom.

Using a raw and honest example of hiring marketing consultants, Shabbar reveals how he moved from a story of “paranoia and self-blame” (feeling stupid and ripped off) to a story of “Research & Development” (treating expenditure as an investment in learning). Same money spent, same business—but a completely different internal reality.

In this episode, you will discover:

• How “I have to do this” stories create a mental prison that guarantees frustration.
• How to change your story from “I’m exploiting people” to a different one that still sits well with you.
• A radical 2026 challenge—can you view a major purchase as an act of trusting life rather than preparing for a “scary future”?

Whether you are a self-employed professional struggling to set fees or someone paralyzed by fear of the future, this episode offers a practical, fun, and experimental way to rewrite your financial destiny this year.

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