My Why

Amel Hammad • September 24, 2026

When people ask me why I've decided to start coaching, my answer has evolved over time.


At first, I thought it was simple. I've spent my career in finance. I've helped organizations navigate complex financial decisions, create value, and build wealth. I've learned lessons through both professional experience and personal trial and error, and I felt a responsibility to share what I've learned.


But the more I reflected on it, the more I realized that wasn't the real reason. I don't believe most women struggle with money because they lack intelligence, discipline, or ambition. I believe many of us were simply never given the opportunity to inherit a healthy financial legacy.


We Weren't Given a Financial Legacy


When we talk about generational wealth, we usually think about money that's passed from one generation to the next. But wealth isn't the only thing we inherit. We inherit beliefs, habits, fears, knowledge, and silence. And for most of American history, women weren't simply discouraged from participating in financial decisions; they were legally restricted from doing so.


It wasn't until the 19th century that states began allowing married women to own property. Women didn't gain the right to vote until 1920. The Equal Pay Act wasn't passed until 1963, employment discrimination based on sex wasn't prohibited until 1964, and it wasn't until 1974 that the Equal Credit Opportunity Act prohibited lenders from discriminating against women based on sex or marital status.


When you step back and look at that timeline, something becomes obvious. Most of us are only one or two generations removed from women having meaningful financial autonomy. Knowledge compounds, and so does financial literacy. If your grandmother wasn't encouraged to invest, your mother may not have learned to invest. If your mother wasn't taught how to build wealth, it's unlikely she could teach you. Not because she didn't want to, but because she never had the opportunity herself.


That isn't a criticism. It's context. And it helps explain why our relationship with money and wealth is just as important as the tactical disciplines we're taught define financial success. We're still building the first generations of financial knowledge that can be intentionally passed down.



This Isn't Just a Women's Issue


Although my coaching is centered on women, this conversation affects everyone. Financial beliefs are inherited socially, not genetically. A mother who was never taught about investing, negotiating, entrepreneurship, or wealth creation can't easily pass those lessons to her children. Not because she doesn't care, but because she was never given those tools herself. That affects daughters, sons, and ultimately the entire family.


Before we ever earn our first paycheck, we've already inherited countless beliefs about money: whether money creates security or anxiety; whether wealthy people are generous or greedy; whether asking for more is confidence or selfishness; whether investing is normal or dangerous; whether talking about money is empowering or inappropriate.


We don't inherit only money. We inherit stories about money. Some of those stories serve us, while others quietly limit us.


One of the most meaningful things we can do is examine those stories and decide which ones are truly ours and which ones were simply passed down.


My Relationship with Money


I've always had a unique relationship with money. Professionally, I understand it. I've spent years helping organizations improve profitability, create value, and make better financial decisions. Building wealth, understanding financial statements, and thinking strategically about money have become second nature to me.


Personally, though, my relationship with money has been much more complicated. Much of my ability to create wealth came from fear. Fear of not having enough. Fear of instability. Fear of losing everything I'd worked so hard to build.


Fear can be a powerful motivator. It can push you to work harder, save more, plan further ahead, and become incredibly successful. From the outside, that can look like confidence. But inside, fear still feels like fear.


Over time, I realized something that changed how I think about money entirely: understanding money and having a healthy relationship with money are not the same thing.


You can know exactly how to invest and still be afraid to invest. You can earn an incredible income and still feel financially insecure. You can build wealth and never feel like you have enough. Financial literacy tells us what to do. Our relationship with money determines whether we do it—and whether we ever feel at peace once we get there.


Why I'm Choosing to Coach


That's why I've decided to offer coaching. Not because I believe I have all the answers. Not because I think everyone should manage money the way I do. But because I believe we need more honest conversations about money.


Somewhere along the way, many of us were taught that talking about money was impolite. Yet the people who build wealth rarely avoid these conversations. They ask questions. They challenge ideas. They share experiences. They learn from one another. Money isn't taboo in those rooms. It's simply a topic worthy of discussion.


I want to create more spaces where those conversations can happen. Spaces where women can ask questions without shame. Where financial literacy and emotional awareness exist side by side.


Where we can talk about investing and self-worth. Negotiating and confidence. Wealth and generosity. Fear and freedom.


Because they're all connected.


The Legacy We Leave


My goal isn't simply to help women make more money. It's to help them build a healthier relationship with money. One rooted in confidence instead of fear. One grounded in knowledge instead of shame. One that gives them the freedom to make choices aligned with the life they want to create.


Because when we change our relationship with money, we don't just change our own lives. We change what gets passed to the next generation.


Maybe that's the financial legacy many of us didn't inherit. But it can absolutely be the one we choose to leave.