Phani Kandula, ChFC®, EA

"You know what you should do. But you don't do it."

That's the problem I solve.

After 20 years building complex systems at PayPal and NetSuite, I realized the biggest challenge isn't information—it's the gap between knowing and doing.

So I teach two things:

• How to make clear decisions — even when facing complexity, uncertainty, or conflicting priorities
• How to actually implement those decisions — even when you're anxious, overwhelmed, or pulled by old habits

I teach these capabilities through financial planning. Why? Because financial decisions involve real money (real stakes), real emotions (anxiety, fear, excitement), long timeframes (decades of consequences), and clear feedback (you see results).

This makes financial planning the perfect training ground for building decision-making and implementation capabilities you'll use everywhere—career transitions, business strategy, relationship challenges, health goals.