
About Me
Hi, I’m Dhanashree Bhatkal — a Chartered Accountant, MBA, published author, and entrepreneur with 23+ years of experience across finance, business strategy, hospitality, and consulting.
I’ve built companies, guided entrepreneurs, and coached leaders to transform not just their businesses but also their inner calm.
My mission is simple:
✨ help people lead with clarity, profits, and balance — without the burnout.
I am also the author of Money – What’s Left, What’s Right*, and co-founder of A Money Tree, where I work with my partner, Suman Makhija, on financial clarity and wealth advisory initiatives.
"Looking for guidance in financial planning, calm leadership, and holistic growth?
I help youth, women, and professionals design financial lives, develop resilient leadership skills, and achieve harmony across money, relationships, and health."
3 Pillars of Transformation
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Financial Life Clarity → Plan income, savings, retirement, and disciplined money habits with confidence.
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The Calm Growth Method → Lead with resilience, clarity, and calm focus in work and life.
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Holistic Growth → Balance wealth, health, and relationships into a life of purpose and stability.




















































![Most people think money problems are either 𝘦𝘮𝘰𝘵𝘪𝘰𝘯𝘢𝘭 or 𝘱𝘳𝘢𝘤𝘵𝘪𝘤𝘢𝘭.
In reality, they’re always both.
In 𝘔𝘰𝘯𝘦𝘺: 𝘞𝘩𝘢𝘵’𝘴 𝘓𝘦𝘧𝘵, 𝘞𝘩𝘢𝘵’𝘴 𝘙𝘪𝘨𝘩𝘵, the idea is simple but powerful:
𝐓𝐡𝐞 𝐋𝐞𝐟𝐭 𝐬𝐢𝐝𝐞 𝐨𝐟 𝐦𝐨𝐧𝐞𝐲 is logic.
Planning.
Strategy.
Numbers.
Budgets.
Investments.
𝐓𝐡𝐞 𝐑𝐢𝐠𝐡𝐭 𝐬𝐢𝐝𝐞 𝐨𝐟 𝐦𝐨𝐧𝐞𝐲 is emotion.
Beliefs.
Stories.
Fear.
Confidence.
Worth.
We often try to fix money using only one side.
Some focus only on spreadsheets —
without addressing fear, guilt, or scarcity.
Others work only on mindset —
without building systems or structure.
Neither works on its own.
✨ 𝐌𝐨𝐧𝐞𝐲 𝐜𝐥𝐚𝐫𝐢𝐭𝐲 𝐜𝐨𝐦𝐞𝐬 𝐟𝐫𝐨𝐦 𝐢𝐧𝐭𝐞𝐠𝐫𝐚𝐭𝐢𝐨𝐧.
When logic and emotion work together, decisions feel calmer, clearer, and more sustainable.
Money isn’t just something you manage.
It’s something you relate to.
And relationships need both understanding and structure. 🌿
[financial clarity, money leaks, income ideas, investment, self confidence, wealth, getting rich,
profits reset, clarity, a money tree, dhanashree bhatkal, the calm leadership method, business
coach, money mindset]](https://scontent-iad3-1.cdninstagram.com/v/t51.82787-15/606643167_18299237083262806_7374519894630235007_n.jpg?stp=dst-jpg_e35_tt6&_nc_cat=110&ccb=7-5&_nc_sid=18de74&efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&_nc_ohc=o0oINbmrVxQQ7kNvwGVRtUR&_nc_oc=AdnsmYFwib1V9u2ViSElEX_L0slsV70qUAaSB1DejlxfvfCOBeGwTGX5TIo7hVQu79E&_nc_zt=23&_nc_ht=scontent-iad3-1.cdninstagram.com&edm=ANo9K5cEAAAA&_nc_gid=TRb0Y_w1Ma_zda90o3fS4w&_nc_tpa=Q5bMBQGRnpICRkS746diP_SW2p_xCbg0c-XLQymIv5Bg-kWMys2fYSMU1iZQV4mqDqykeG4_EcXGsPsL&oh=00_AfwX26De96VDeX8KY5mkAITWgwtPZw9DVPzCxrvc3zvWOg&oe=69BCE5CB)
![Most people think money problems are either 𝘦𝘮𝘰𝘵𝘪𝘰𝘯𝘢𝘭 or 𝘱𝘳𝘢𝘤𝘵𝘪𝘤𝘢𝘭.
In reality, they’re always both.
In 𝘔𝘰𝘯𝘦𝘺: 𝘞𝘩𝘢𝘵’𝘴 𝘓𝘦𝘧𝘵, 𝘞𝘩𝘢𝘵’𝘴 𝘙𝘪𝘨𝘩𝘵, the idea is simple but powerful:
𝐓𝐡𝐞 𝐋𝐞𝐟𝐭 𝐬𝐢𝐝𝐞 𝐨𝐟 𝐦𝐨𝐧𝐞𝐲 is logic.
Planning.
Strategy.
Numbers.
Budgets.
Investments.
𝐓𝐡𝐞 𝐑𝐢𝐠𝐡𝐭 𝐬𝐢𝐝𝐞 𝐨𝐟 𝐦𝐨𝐧𝐞𝐲 is emotion.
Beliefs.
Stories.
Fear.
Confidence.
Worth.
We often try to fix money using only one side.
Some focus only on spreadsheets —
without addressing fear, guilt, or scarcity.
Others work only on mindset —
without building systems or structure.
Neither works on its own.
✨ 𝐌𝐨𝐧𝐞𝐲 𝐜𝐥𝐚𝐫𝐢𝐭𝐲 𝐜𝐨𝐦𝐞𝐬 𝐟𝐫𝐨𝐦 𝐢𝐧𝐭𝐞𝐠𝐫𝐚𝐭𝐢𝐨𝐧.
When logic and emotion work together, decisions feel calmer, clearer, and more sustainable.
Money isn’t just something you manage.
It’s something you relate to.
And relationships need both understanding and structure. 🌿
[financial clarity, money leaks, income ideas, investment, self confidence, wealth, getting rich,
profits reset, clarity, a money tree, dhanashree bhatkal, the calm leadership method, business
coach, money mindset]](https://scontent-iad3-1.cdninstagram.com/v/t51.82787-15/606643167_18299237083262806_7374519894630235007_n.jpg?stp=dst-jpg_e35_tt6&_nc_cat=110&ccb=7-5&_nc_sid=18de74&efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&_nc_ohc=o0oINbmrVxQQ7kNvwGVRtUR&_nc_oc=AdnsmYFwib1V9u2ViSElEX_L0slsV70qUAaSB1DejlxfvfCOBeGwTGX5TIo7hVQu79E&_nc_zt=23&_nc_ht=scontent-iad3-1.cdninstagram.com&edm=ANo9K5cEAAAA&_nc_gid=TRb0Y_w1Ma_zda90o3fS4w&_nc_tpa=Q5bMBQGRnpICRkS746diP_SW2p_xCbg0c-XLQymIv5Bg-kWMys2fYSMU1iZQV4mqDqykeG4_EcXGsPsL&oh=00_AfwX26De96VDeX8KY5mkAITWgwtPZw9DVPzCxrvc3zvWOg&oe=69BCE5CB)
![𝐀 𝐜𝐚𝐥𝐦 𝐦𝐢𝐧𝐝 𝐦𝐚𝐤𝐞𝐬 𝐩𝐫𝐨𝐟𝐢𝐭𝐚𝐛𝐥𝐞 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧𝐬.
Most money mistakes don’t come from lack of knowledge —
they come from acting in a moment of stress, hurry, fear, or emotional noise.
When the mind is unsettled, choices become reactive.
When the mind is steady, choices become intentional.
Today, give yourself a moment of calm before any financial decision —
big or small.
Pause. Breathe. Look again.
You’ll be surprised by how differently clarity speaks. 🌿
[financial clarity, money leaks, income ideas, investment, self confidence, wealth, getting rich,
profits reset, clarity, a money tree, dhanashree bhatkal, the calm leadership method, business
coach, money mindset]](https://scontent-iad3-1.cdninstagram.com/v/t51.82787-15/587791165_18298692550262806_5512046835043098873_n.jpg?stp=dst-jpg_e35_tt6&_nc_cat=110&ccb=7-5&_nc_sid=18de74&efg=eyJlZmdfdGFnIjoiRkVFRC5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&_nc_ohc=M_sb4B2IWOcQ7kNvwFvlJWa&_nc_oc=AdmXKD2tUSQyiQr7JCtEIYpYRuSsqqOYtc3CNgCuMbLOVEdDwjwGC5zwfTKWic1lOA4&_nc_zt=23&_nc_ht=scontent-iad3-1.cdninstagram.com&edm=ANo9K5cEAAAA&_nc_gid=TRb0Y_w1Ma_zda90o3fS4w&_nc_tpa=Q5bMBQFK_4GtNLVG5Hw75sWGbmH750vO8aZXfEQ1uF8jwA5YV6rxAEDPaKqm7TA8BgAB7C4btRp2h66d&oh=00_AfyytV-Mq4IYm5G9OGH8wEMyRy0Jt0ZqH2gnYawlpPL6gA&oe=69BCCFAE)
![𝐀 𝐜𝐚𝐥𝐦 𝐦𝐢𝐧𝐝 𝐦𝐚𝐤𝐞𝐬 𝐩𝐫𝐨𝐟𝐢𝐭𝐚𝐛𝐥𝐞 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧𝐬.
Most money mistakes don’t come from lack of knowledge —
they come from acting in a moment of stress, hurry, fear, or emotional noise.
When the mind is unsettled, choices become reactive.
When the mind is steady, choices become intentional.
Today, give yourself a moment of calm before any financial decision —
big or small.
Pause. Breathe. Look again.
You’ll be surprised by how differently clarity speaks. 🌿
[financial clarity, money leaks, income ideas, investment, self confidence, wealth, getting rich,
profits reset, clarity, a money tree, dhanashree bhatkal, the calm leadership method, business
coach, money mindset]](https://scontent-iad3-1.cdninstagram.com/v/t51.82787-15/587791165_18298692550262806_5512046835043098873_n.jpg?stp=dst-jpg_e35_tt6&_nc_cat=110&ccb=7-5&_nc_sid=18de74&efg=eyJlZmdfdGFnIjoiRkVFRC5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&_nc_ohc=M_sb4B2IWOcQ7kNvwFvlJWa&_nc_oc=AdmXKD2tUSQyiQr7JCtEIYpYRuSsqqOYtc3CNgCuMbLOVEdDwjwGC5zwfTKWic1lOA4&_nc_zt=23&_nc_ht=scontent-iad3-1.cdninstagram.com&edm=ANo9K5cEAAAA&_nc_gid=TRb0Y_w1Ma_zda90o3fS4w&_nc_tpa=Q5bMBQFK_4GtNLVG5Hw75sWGbmH750vO8aZXfEQ1uF8jwA5YV6rxAEDPaKqm7TA8BgAB7C4btRp2h66d&oh=00_AfyytV-Mq4IYm5G9OGH8wEMyRy0Jt0ZqH2gnYawlpPL6gA&oe=69BCCFAE)
![We talk about cutting expenses…
but the biggest money leaks aren’t in your spending.
They’re in your 𝘮𝘪𝘯𝘥𝘴𝘦𝘵 𝘢𝘯𝘥 𝘩𝘢𝘣𝘪𝘵𝘴.
Here are 𝟑 𝐈𝐧𝐯𝐢𝐬𝐢𝐛𝐥𝐞 𝐌𝐨𝐧𝐞𝐲 𝐋𝐞𝐚𝐤𝐬 most people never notice:
1⃣ 𝐒𝐜𝐚𝐭𝐭𝐞𝐫𝐞𝐝 𝐀𝐭𝐭𝐞𝐧𝐭𝐢𝐨𝐧
When your mind is pulled in ten directions, your money decisions follow the same chaos.
2⃣ 𝐃𝐞𝐥𝐚𝐲𝐞𝐝 𝐃𝐞𝐜𝐢𝐬𝐢𝐨𝐧𝐬
Postponing small choices creates bigger financial consequences over time.
3⃣ 𝐄𝐦𝐨𝐭𝐢𝐨𝐧𝐚𝐥 𝐒𝐩𝐞𝐧𝐝𝐢𝐧𝐠
Stress, overwhelm, guilt — emotions make purchases long before logic arrives.
✨ 𝘊𝘭𝘢𝘳𝘪𝘵𝘺 𝘣𝘦𝘨𝘪𝘯𝘴 𝘸𝘩𝘦𝘯 𝘺𝘰𝘶 𝘳𝘦𝘤𝘰𝘨𝘯𝘪𝘴𝘦 𝘸𝘩𝘢𝘵 𝘺𝘰𝘶 𝘤𝘢𝘯’𝘵 𝘴𝘦𝘦.
Spot one of these leaks this week and watch how your relationship with money starts to shift.
🌿
[financial clarity, money leaks, income ideas, investment, self confidence, wealth, getting rich,
profits reset, clarity, a money tree, dhanashree bhatkal, the calm leadership method, business
coach, money mindset]](https://scontent-iad3-1.cdninstagram.com/v/t51.82787-15/587292223_18297643711262806_3454466503663986771_n.jpg?stp=dst-jpg_e35_tt6&_nc_cat=107&ccb=7-5&_nc_sid=18de74&efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&_nc_ohc=VxgIBsgl97MQ7kNvwGV3s0m&_nc_oc=Adl5pzMXaZyXQyEwbDQLHH49BkzSdBAosIcvDODGFn3GCf3IlaLUGJJEGy-M5a32_xs&_nc_zt=23&_nc_ht=scontent-iad3-1.cdninstagram.com&edm=ANo9K5cEAAAA&_nc_gid=TRb0Y_w1Ma_zda90o3fS4w&_nc_tpa=Q5bMBQFnkUW_Bg22YHjkvIdgYyEBNEQkkxBx5yaduIpSCJJsDuqYpjwUbAvGOpNWCxjZlmd_76dnUY8O&oh=00_Afy9NtC-Ivs9Hi8uoyDamKk1vH-76ooyHv9MD7UOHMlwhQ&oe=69BCC8B9)
![We talk about cutting expenses…
but the biggest money leaks aren’t in your spending.
They’re in your 𝘮𝘪𝘯𝘥𝘴𝘦𝘵 𝘢𝘯𝘥 𝘩𝘢𝘣𝘪𝘵𝘴.
Here are 𝟑 𝐈𝐧𝐯𝐢𝐬𝐢𝐛𝐥𝐞 𝐌𝐨𝐧𝐞𝐲 𝐋𝐞𝐚𝐤𝐬 most people never notice:
1⃣ 𝐒𝐜𝐚𝐭𝐭𝐞𝐫𝐞𝐝 𝐀𝐭𝐭𝐞𝐧𝐭𝐢𝐨𝐧
When your mind is pulled in ten directions, your money decisions follow the same chaos.
2⃣ 𝐃𝐞𝐥𝐚𝐲𝐞𝐝 𝐃𝐞𝐜𝐢𝐬𝐢𝐨𝐧𝐬
Postponing small choices creates bigger financial consequences over time.
3⃣ 𝐄𝐦𝐨𝐭𝐢𝐨𝐧𝐚𝐥 𝐒𝐩𝐞𝐧𝐝𝐢𝐧𝐠
Stress, overwhelm, guilt — emotions make purchases long before logic arrives.
✨ 𝘊𝘭𝘢𝘳𝘪𝘵𝘺 𝘣𝘦𝘨𝘪𝘯𝘴 𝘸𝘩𝘦𝘯 𝘺𝘰𝘶 𝘳𝘦𝘤𝘰𝘨𝘯𝘪𝘴𝘦 𝘸𝘩𝘢𝘵 𝘺𝘰𝘶 𝘤𝘢𝘯’𝘵 𝘴𝘦𝘦.
Spot one of these leaks this week and watch how your relationship with money starts to shift.
🌿
[financial clarity, money leaks, income ideas, investment, self confidence, wealth, getting rich,
profits reset, clarity, a money tree, dhanashree bhatkal, the calm leadership method, business
coach, money mindset]](https://scontent-iad3-1.cdninstagram.com/v/t51.82787-15/587292223_18297643711262806_3454466503663986771_n.jpg?stp=dst-jpg_e35_tt6&_nc_cat=107&ccb=7-5&_nc_sid=18de74&efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&_nc_ohc=VxgIBsgl97MQ7kNvwGV3s0m&_nc_oc=Adl5pzMXaZyXQyEwbDQLHH49BkzSdBAosIcvDODGFn3GCf3IlaLUGJJEGy-M5a32_xs&_nc_zt=23&_nc_ht=scontent-iad3-1.cdninstagram.com&edm=ANo9K5cEAAAA&_nc_gid=TRb0Y_w1Ma_zda90o3fS4w&_nc_tpa=Q5bMBQFnkUW_Bg22YHjkvIdgYyEBNEQkkxBx5yaduIpSCJJsDuqYpjwUbAvGOpNWCxjZlmd_76dnUY8O&oh=00_Afy9NtC-Ivs9Hi8uoyDamKk1vH-76ooyHv9MD7UOHMlwhQ&oe=69BCC8B9)


























