About Shalaka | Abundance Code
About Shalaka Targe

I work at the intersection
of
money and psychology.

For women who are doing everything right — but still not seeing it reflect in their income. MBA Finance · MA Psychology · 10+ years in financial systems.

MBA Finance · Univ. of Surrey
MA Clinical Psychology
10+ Years in Investment
Coach Shalaka — Abundance Code
Shalaka — Abundance Code
10+ Years in Investment
Where This Work Comes From

I didn't start in coaching.
I started where money is actually built.

With an MBA in Finance and over 10 years in the mutual fund industry, I worked on creating, analysing, and understanding financial products — seeing first-hand how wealth is structured and how money moves.

On paper, everything made sense.
But in real life, something didn't.

I kept seeing intelligent, hardworking people stay stuck — doing everything right, yet not moving forward financially.

That's when I realised: money is not just a financial game. It's a psychological one.

So I pursued an MA in Psychology — to understand what strategy alone couldn't explain. Today, my work sits at the intersection of money and behaviour.

The Pattern I Kept Seeing

Smart women.
Right strategies.
Wrong results.

The more I worked inside financial systems, the more I saw the same pattern: women who were highly capable, deeply informed, and doing all the right things — and still not building the wealth they deserved.

The gap wasn't knowledge. It wasn't effort. It wasn't even the right investment vehicle. It was the invisible layer beneath all of those things.

"You're not missing information. You're missing alignment."

That invisible layer — your nervous system's relationship with money, your identity permission to hold wealth, your psychological safety with success — is what the XIRR method addresses.

Coach Shalaka
What I Help You Do

Not through more effort —
but by changing what's actually driving
your financial decisions

My approach integrates the financial expertise from a decade in investment with the psychological depth of clinical training. The result is a method that works on both levels simultaneously.

X
Pillar 01 · Experience

Break invisible money patterns

Identify and dissolve the unconscious money patterns — formed long before you understood what money was — that are quietly capping your income today.

I
Pillar 02 · Identity

Increase income without burnout

Build the identity permission to earn more, charge more, and keep more — without the self-sabotage, overwork, or guilt that currently accompanies financial growth.

R
Pillars 03 & 04 · Roadmap + Resilience

Build a stable relationship with money

Create a personalised wealth strategy that you'll actually execute — because the psychological foundation is solid, and the roadmap is built for your real life.

💼

High-earning women in the US & UK

Women earning $80K–$200K+ who feel financially stuck despite professional success.

🧠

Where strategy meets psychology

Not just mindset coaching. Not just financial planning. The integration of both — in the right order.

📈

Investment-grade thinking

10 years inside mutual funds and investment products means the strategy layer is built on real financial expertise — not generic advice.

🌱

Permanent change, not temporary motivation

The XIRR method changes your system — not just your spreadsheet. Results that compound over time.

Coach Shalaka
The Turning Point

If you've ever thought:
"I know what to do…
but I'm still not there."

That feeling — knowing the strategy, understanding the theory, and still finding yourself exactly where you were 12 months ago — is not a willpower problem. It's not a discipline problem.

It's a system problem. And the system operates below the level where most coaching, books, and financial advice ever reach.

"I know what to do… but I'm still not where I want to be."
You're not missing information. You're missing alignment between your identity, your nervous system, and your strategy. That's what the XIRR method fixes — at the root.

My decade in investment gave me the financial map. My MA in Psychology gave me the missing piece. Combining them is what finally moved the needle — for me, and for every woman I've worked with since.

🎓
MBA Finance
University of Surrey, UK
International credibility, financial rigour
🧠
MA Psychology
Clinical Psychology
The missing layer beneath every financial decision
📊
10+ Years Investment
Mutual fund industry
Real financial systems, not generic advice
🌍
US & UK Focus
Specialists in these markets
The context, culture & financial landscape
Ready to Change That?

Start with a
conversation.

A 30-minute clarity call to understand where you are, where you want to be, and whether the XIRR program is the right fit. No pressure — just clarity.

Not sure yet? Start with the free 3-Minute Money Audit →

Or explore the free masterclass first — no commitment required.