50. Gull Khan Makes Her Money Mind Up

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This Real Money Stories episode features Gull Khan, former Banking and Finance Lawyer, who left behind her corporate job to become a Money Mindset Expert.

Gull spent her early childhood in Pakistan with great affluence. But an alteration to her family situation meant her and her mother had to move to the UK and replace opulence with scarcity.

Determined to reverse her situation through hard work and commitment, as a student Gull strove for good grades and successfully went on to law school. However, she decided that money and helping people with their financial prosperity was a more personally-rewarding career route her.

Gull’s story, spanning Asia to Europe, scarcity to wealth, and dependence to independence, outlines a tumultuous, yet successful money journey which everyone can listen and learn from in some way.

Episode Transcript

Jason Butler 0:05
Hello, and welcome to the Real Money Stories podcast. I'm Jason Butler. And I invite you to join me as I have intimate money conversations with people from all walks of life. Whether you're just starting out and your money journey, or well down the track, there's bound to be something you can learn from these stories about taking more control of your money, so you worry less, and enjoy life more.

Real Money Stories is sponsored by Vanguard, bringing value to 30 million investors worldwide. Visit Vanguard investor.co.uk for more details. And remember, the value of investments can go down, as well as up and you may get back less than you invested.

Hello there, Jason Butler here. Before we get into the show, I just wanted to let you know about my latest money blog over on jason-butler.com is called millionaire mindset. Now we talk about building wealth. But what do you actually have to do to achieve that? Well, I walk you through the steps that people who are just like you have gone through to build their first million. So go over to jason-butler.com. And read millionaire mindset. It could be the most profitable thing you do this week. Now, let's get on with the show.

Hello, and thanks for joining me, Jason Butler, your host on another edition of Real Money Stories. The podcast that was just over a year now we've been doing. And I try and interview the most interesting, diverse, varied range of people you can imagine to hear their money story, right. And what we find is that it doesn't all go in a straight line. We all make mistakes. None of us are perfect. And we've all got different ideas about what the role of money is, and what good looks like. So today, I've got a really interesting guest. Well, they're always interesting. Gull Khan, hello, Gull.

Gull Khan 2:01
Thank you, Jason, thank you for having me. I'm super excited to be speaking to you.

Jason Butler 2:04
Great. Well, thanks for coming. I know you're busy lady. So much more overdue. Now, if people don't know what you do you you describe yourself as a money mindset. Is that right? Money mindset?

Gull Khan 2:18
Yes, right.

Jason Butler 2:19
So and and you you help people, energy clearing for attracting abundance I've got here. So just just before we go back over your story, what does that actually mean? And I don't mean to be rude, but just just, I'm fascinated.

Gull Khan 2:31
So let me give a full introduction. So for those of you who don't know me, my name is Gull Khan. And as a money mindset expert, I help entrepreneurs to break free from the limiting beliefs, reverse their money, shame, and blast through the money blocks using my unique energy tools, which includes energy clearings, and to live a life of unlimited abundance. That's primarily what I do. And if you vote for you to understand what energy clearing, why did you block this, if you imagine you yourself, even your body and everything, you're just abundant energy, right, so we know the quantum physics teachers that everything's energy in your body is just, you know, it's just energy spinning at a particular frequency. And that's where you're vibrating frequency. And that's why you see such a solid form. So if you just for argument's sake, just human beings, imagine that you are this bundle of energy. These money blocks, which I'm talking about, are these pockets of energy clogged up in your energy field. And that could be accumulation of past traumas, past experiences, not just your own from yours, your fitness or your parents or the people around you, and so forth. So that's accumulation of all your past experiences in this lifetime. Plus, we can go a bit deeper, it could be sometimes care taken from past lifetimes as well. So we've got that that idea ideology, but just keeping it simple. From this lifetime, from the moment you're born, or the experiences you've had, which are common as a conscious to you not necessarily conscious, especially that your experiences between zero to seven, where most of your programming any energy is formed, if you think about it. So most of these blocks come from there, obviously, some from teenagers and some form later on in your 20s and 30s, as well. So if you have these blocks, and I call them money blocks, right, so if you imagine your energies flowing through you, and this is basically it sounds a bit rude, but it can be scientifically proven, you are a bundle of energy, right? You have energy flowing through you all the time when the only the only time it stops is when you actually when you when you transition from this life. So when your bodies in the grave or whatever have you and you're actually back in the spiritual realm until while your life continues to have that happen. That's That's how your life there's no way around it. The problem happens is when this life form and life energies flowing through you, these pockets of energy block it, okay? And that stops you living the kind of life you want to live. That's pretty a very simplistic terms.

Jason Butler 4:52
So simply, this is a metaphor. It's a bit like if you've eaten a really heavy meal, you're a bit stuck inside and it's taken a while to go through if I can not be too crude, but so essentially, it's just a way of approaching the, the, the, the way that we think and feel about money in so far as energy. All right, that's great. That's really cool. So let's, I'm fascinated, I did try and do a bit of digging about your background, and various different sort of strands to it. But I'll let you tell the story. So take us right back to the beginning to two little Gull and then how you you know, your first relationship now your first memories of money and kind of how awesome upbringing you had, and how, what messages you learn. So tell us about that.

Gull Khan 5:34
So it's the first time someone has actually asked me about my childhood. So I've had a very interesting childhood, so to speak. My father was a self made millionaire, I think, probably be a billionaire. In today's day and age, he was a very, very wealthy man. And I was born in UK and well, at the age of about eight months old, my father decided he didn't want his young little girl, you know, good little girl to grow up in a western world. He wanted to grow up in an Asian world in a Muslim country. So he went he went back to his home country, which is Pakistan. Now, I don't know if you're familiar with this in in, in the Muslim culture, men are allowed to have multiple wives, they can have more than one wife. But there is some conditions around this, but they're allowed to have multiple wives. So my father when he moved to back to Pakistan, after a few years, decided he wanted to have a new wife and other wife new night but another wife, right. So and keep in mind, he wants to keep like there. He didn't have no intention of letting go of my mother. It was basically it was to have a second life along with the first one with the children so forth. My mother, this is in the 80s decided Nope, not happening. So he said he married she let him go and we came back. Now my father for the financial cotton her and he decided that we were used to this lavish lifestyle with chauffeurs and maids and you know that we had it right. So he thought that we won't be able to survive. So she said, You know, he will pay her in a minute because he was out of the country she couldn't she couldn't compel him to pay either like treatment and

Jason Butler 6:55
So he was back in Pakistan living the life of riley while you were back in the UK with no money. And how old were you?

Gull Khan 7:01
I was five at the time five or six.

Jason Butler 7:03
So can you remember at that stage? How that impact head on you? Did you set in Yeah, they hadn't met I had a massive impact. I think my whole life has revolved around my thoughts and ideas of what happened around that point. I wasn't angry at money. I just wanted to make sure that I got back to that status. That was my point. But anyone my father, I don't want my father's money. I want to do it myself. So we went from riches to rags completely and I mean completely had no place to stay on mother had to come back. And then my mother even though she was mass professing Pakistan over here, she wasn't very fluent with the English. She was very confident her competence is broken down breaking up the marriage. And so for teachers that the last part for courage, she mustered up and left the man. And so she worked in factory. So I was I literally ended up going and we moved from place to place in the we settled in London, even though I was born in Manchester, it's Edmonton. And I don't know if you're familiar with the Council of states in in, in London, London. Yeah.

Gull Khan 7:59
I grew up in East in a consultant in East London. So you know, rough part of London.

Jason Butler 8:07
Bohemia, I think is the word that we use eclectic and varied and diverse. But yeah, there are some places that as you say, you would be careful where you would walk out.

Gull Khan 8:15
I think this is going back, especially around the 80s and late 80s and 90s. Up in East London, things have changed a lot since then. But this was around that time. It was it wasn't it was

Jason Butler 8:25
it was a rough crowd.

Gull Khan 8:26
Yeah, it was a rough crowd. So this is where I grew up. I grew up in Grant's council state. Now something else which I didn't know at the time, but I was I was because my brother fell in with the wrong crowd. I we changed this way. I went one way my brother went the other way. He fell in with the wrong crowd. everything under the sun, you can imagine, you know, whatever else. I ended up being in juvie at the age of 15. And I became the opposite. So we became talking cheese. My became the studious person, keeping in mind that I later on found out I struggled with urban studies. And yet it did really well. I didn't know until the first year of my university, that I'm severely dyslexic. I didn't know this at the time. But I know

Jason Butler 9:09
So you did well hang on a minute, but you did well, because one you didn't think you were particularly bright. And second, you had dyslexia. But you must have worked really hard. So there's a good tap, graphed graft, graft graft and always out talent, right, got it.

Gull Khan 9:21
And I will say this now that the thing which helped me then and I'm so glad to know that bad Association, because if I had, it probably wouldn't have worked. I wouldn't have had the work ethic that I developed them. I worked on my God, but I didn't know any better. I thought for me too, in order for me to do well, that's how I that's how much any study. I remember. And this in hindsight, it makes complete sense. Now at the time, it didn't. I've been told my high school you know, I don't know what they call America, but you behave. You have mucousy units in in secondary school and high school. I couldn't, I couldn't read until you finish if you wish, and now you're seven of high school.

Jason Butler 9:57
11, 11 years.

Gull Khan 9:59
11 years. 10 years. result and I couldn't read and full sentences. I could read bits and I didn't. I thought that's because we travel Okay, from Pakistan, we traveled around. But I've been in the country for about five years and I still couldn't read properly and I thought maybe because, you know, I just, it was never because I wasn't confident. I always thought Oh, because we haven't had that stable Macron so far. But I put my you know, put my backside into the work. And my Jesus is a great man. He lives into being fantastic. I've got five levels. They've got chemistry, biology maths for the rest of it. And you know that that's

Jason Butler 10:29
Is that all? Is that all? You've got? Just those five? STEM subjects. Oh, do you know, I would I budget now I'm joking. So let me just go back a bit. Let me just go back before that. So that was you made a real part. If you didn't know you were dyslexic, you probably wouldn't have worked as hard is that because you would have been given a given a title or a label or excuse me a

Gull Khan 10:49
way out? I've given I would have been given an excuse. Well, it's okay. If you don't do well, because you're dyslexic? Yeah. I never trust no matter there was there was no option that failure was not an option.

Jason Butler 10:58
And Gull what Sorry to interrupt but what was it like? You said at the time, your mum was a maths teacher, but she was struggling with the language? What was it like from sort of five to 15, while you were doing this kind of transit, you know, going through schooling, what was it like at home? And when we literally, you know, from from week to week, month to month? I mean, what was it like really tough for

Gull Khan 11:18
financially, it was exceptionally tight. And I remember what my mother did was she was you know, because she was a factory worker, she she worked extra long hours, like longest hours, possibly, if you remember the late 80s and 90s was the industrial era in your in, in London as well. There's a lot of clothing be made as a shoe all shifted away to China, but then that time, that's where it was. I remember having these bundles of, you know, clothes everywhere. She would she would make, I think one skirt and get 44. Right? Yeah. And she would make I think God knows how many a week just to make the 40 quid, you know,

Jason Butler 11:51
so is your memory of your mum constantly working,

Gull Khan 11:55
always working constantly on the machine. And so I became, you remember that my daughter actually asked me this. She has no idea how it charged it. I said, Well, not really. Because all I remember doing was either the housework or studying. I don't remember playing much a path. I did have one. I got a couple of passions. I do a lot of dancing. So I love music. I love dancing. And that's if I had any time away from my daughter.

Bollywood is your big thing? Right? Is that right? Yeah.

But then that was that was I became completely passionate about it because I had nothing else. We didn't have phones during that time anyway. And I and I didn't have time or the time to go out and I wasn't I wasn't a great social, believe it or not, I wasn't very social, going outside my school, my friends, school. Otherwise there's nothing there's no contact after school. And all I did was study because all I did was study and even having very close friends because my time was spent studying because it was hard for me. Just It was really awesome.

Jason Butler 12:50
But growing up in the family environment where your mom's got piles of clothes, she's working for 14 we were aware that it was a grind to get money to buy food.

Gull Khan 12:59
Absolutely, absolutely for that.

Jason Butler 13:01
What impact did that have on you, though?

Gull Khan 13:03
See, see, I added the the way I saw this, I saw my mother never give up. So she she wanted. I did see her struggle with money. But what I saw her doing was make ends meet. So but was what she had. She had, but I saw her saving and this is where I which really infuriated me. She would save up money so she could buy my son, my brother, luxury things like I remember him buying I was when I was my teenage years. I think 1213 and I would buy shoes for about two quid. This is my joke. I was like,

Jason Butler 13:36
as much as so you're really splashing out there.

Gull Khan 13:38
Yeah, definitely. I was really excited to quid, I literally buy shoes for about two quid and this is a school shoes. And when I was very happy, I knew we didn't have much. But my brother was buying like night trains at 60 pounds because my mother was trying to make sure that, you know, try and compensate for him. So he would come back on track and whatever. So it was a lot of struggle. I mean, there were times when there was other times I don't think about them. It's because I've cleared this early just so much. But looking back in hindsight now. There were times and I had to clear this was when we didn't have hardly any money there's I think there's one point when she was unable to work and remember you're paid when you work. So are by all she had was child a child benefit that she's to get. And she was she felt very severely ill for about six weeks. And for six weeks, all we had was child benefit. So she got some support for a housing or something I think that's the rent was paid or whatever. And I don't know, I don't know if she she claimed a benefit only I don't know, or whatever was she all she had was child benefit. And there was just barely bread and food, bread and bread and milk at home. That's it there was no good food there. So not we're going through that experience as well. That's I think that's pretty much one of the 89. So growing up I growing up in one council state too, with hardly any money at all, yet having the memory of my father living a lap of luxury Having a lot, you know, and you could easily give us something but he wasn't willing to do. So that made a change to me in the way that I still think it's for the benefit, because I, if you ever meet me in person, you will mold me into the person who's as ambitious as I am, because I became the, you know what, I'll do it. And I will create this and I have, I set myself a target of making sure that I become a movie. And before I was 30, I hit a 27. So those work ethics and the determination, he gets a child at seeing what's going on around you build my counter to what to what it is at the moment that's been through, up and down through my business. And

Jason Butler 15:36
I'm interested to know, because some people think I mean, you know, my new book, The Money Miracle comes out in the end of the year I talk about money cannot give you freedom, and it cannot make you secure if you don't feel secure or free inside beyond the basics. So I'm just interested to know. So you are all about abundance. Now. We'll explore that in a minute. And what that really means because it means different things to different people. But you came from a completely abundant material world, you came from a completely, there was some emotional discord there between the breakdown of the relationship and perhaps the power your father may or may not have had over the family. But you had this drive, where is your brother sort of went a different way. But so so how did you what was there a pivotal point in your teenage years, when you realize you had choices of which route? You went? I mean, was there was there epiphany or a big moment? Or did you search evolve?

Gull Khan 16:29
Jason there was never there was never a choice. There was never a choice, my brother chose this path. And I was given the other one. There was never and there was never a point in my mind that I would go straight I would not study I would not do well. I knew that I was going to do from from a very young age, I think from the point I saw, I think was probably six or seven years of age, when I saw him struggle, and I knew we had a memory of my father and the life we lead. I wanted to give my mother that life. And the only way out for me that I saw was through study. So there was, it was never an option. I mean, I remember because I think

Jason Butler 17:03
No plan B

Gull Khan 17:05
There wasn't a plan B there was just one option, I was gonna work my ass off. And I say this divided the work ethic that I think I picked up from Will Smith spoke when once in on one of the interviews that he said he has his work and I thought well, I've got that you put me on a treadmill, somebody else that person may be stronger and he may have more stamina, but I'm going to be doing Scrivener who's gonna do or die on the treadmill, I'm not gonna get off it just you just can't beat me when it comes to work ethics. And that drive has kept with me and that made sure that by the time I was up because of my GCSEs and my my my dyslexia remember that's compensated slowly over the years. So when she says he's a great they're okay but they're not as good as my a levels. So when juices are fine, but when it comes to my levels, I was the top student when it comes to my degree I was the top student I was I was the most particular one the one that everyone thought yes she's going to go on to really but well as

Jason Butler 17:57
you weren't defined by where you came from. You were totally driven by work and getting ahead. And so in the uni years I'm not sure what your ages but was it funded? Or was it free? or How was it then and how do you come through one piece is what I'm interested in.

Gull Khan 18:16
So I came at the at the time so this is back in 2001, no I graduated 2001 so I started as a four year degrees I started in 1997 Yeah, so we had just the the grant had gone and we've got the loans so we loans have come through so we still weren't paying for our degrees yet the degree paid for the degrees came later but we had two degrees of still free but we still we there was no longer grants available you have to take loans out so I took a loan out and that was fine. Even that didn't dawn on me it was never if I if I look back on that that young, maybe naive cool, you know, the in the teenage years I was knew that I was gonna make it it was just me me not making it was never an option. I just at that time it was me I was going to Barstow I was gonna make 100 grand a year for me that was a hang on that's interesting. You had an idea of the career that you were going to do. I decided I wanted to take because logically I wasn't going into lawns we should go into medicine so the first initial being an Asian child I always thought of becoming a doctor it was actually my my math teacher cuz I did I've got a double A level maths and I was very close to one my math teachers and it was my math teacher who said to me why'd you want to go to medicine? I said because I you know want to heal people and actually funny enough I've become a healer anyway. But I still want to heal people and help people he said we'll go and you know, go and check it out. Go and to experience in in hospital. So this hospital hearing them expanded. And it's been six weeks of my life there and my god those worst weeks of my life. I hated it. I hated it. I hate every department of off of the hospital. I hate working on sick people. I hate the I hate

Jason Butler 20:03
And but here's here's the thing. You That was a brilliant piece of advice you tried before you buy it, right?

Gull Khan 20:09
Yeah, exactly, exactly. And I'm so thankful to that teacher, Mr. And Miss Ranger. I'm so thankful to him even to this day because he said, Good, why do you want to do it? And I said, Well, when I came back to him, I said, I don't want to do medicine because Yeah, no. And you know, you're not suitable for him like, okay, so I don't know what to do next. Because that's obvious. I said, Why? Because you should go into law. But I didn't consider that before. And you're the most particular person I know, you argue with everyone and everyone, you have a point across the whole range. We're very opinionated, you have a strong personality, you should definitely go towards and even told me, don't think of me as you should become balanced. He's the one who said, What do you think about it? And I looked, and I thought, well, that suits me. I was intrigued but refreshing. went ahead. And funnily enough, if I hadn't checked gone into this, it's funny how long like leads, if I hadn't gone through that law degree and had to do a bad way because I had, I was looking for medicine. I had to go through clearing to get into law degree because I had done I had all the grades, but I had no place to go. Unless I took the years gap. And then when I ended up in Kumari, Queen, Mary University of London, it was it was that teacher who whose own daughter was dyslexic when she saw me again, I was on top of my plastic very well, it's only when she saw my written material that she picked up very few you know, regular science, she's, you know, she's got dyslexia, forced me to go for dyslexia assessment, I wasn't going she got the university to pay for it. I didn't pay for it. And I found out not only am I dyslexic, I'm severely dyslexic. So remember, the person who says to Me looked at me, and keep these mind at that time, I was, at the end of a first year law degree, have a fire levels. And he looked at my reading ability at the time, because he might it was high on other things, but on reading specifically, my IQ was lower than average, the average is hundred five. I was 95 at that time, really. So I was severely dyslexic. And he just looked at me amazed, like, how did you get your grades? And that's through hard work. What I was gonna say, you know, I'm

Jason Butler 22:06
Force of personality. Yeah,

Gull Khan 22:08
it's, it's, it's, it's, it's a shared drive of moving forward. But I never see. If you ever give yourself an option to Okay, well, if I have a plan B, I have no plan B, I'm going to get to it. I may have to find different routes. I'm going to go above around through it, and I'm going to get to it. That was my point that I was gonna get my degree even in my degree, I had issues but Okay,

Jason Butler 22:30
so you decided to do the law? Did you do an extra year or something to get the law degree or?

Gull Khan 22:35
No, no, I might get my law degree was four years. I did LLB in English and European law. So 30 of my degree was spent abroad in Netherlands studying European law, which is funny, I got cheated yesterday Egyptian work too. That is unfortunately but I mean, my my life had interesting points because that's the time my mother passed away. And in my 30s my law degree, I was 21 at the time when my mother passed away,

Jason Butler 23:00
quite young to lose your your mom to trauma with your father.

Gull Khan 23:04
And the only parent I knew I didn't know my father at the time, we weren't in context, the only parent I had was my mother. And she passed away when I was 21. So I finished but I still finished that year somehow I didn't get the good grades in that year but still finishing is still fine I still pass with reasonable grades. And then I graduated the year after and I still got through but in life throws lots of things at you. I think and I remember my I remember my my my teacher my I was close to one of my professors for for taught believing that I have the most weight of subjects for me to form and Lord that I like I like from large criminal chronology, but I like to land trust and company law and so I went to that direction and I was close to one of my professors and he sat me down he said go buddy, take a year's break. And remember speaking to him telling him I don't know who else is gonna die. And lo and behold, in my my final year of law degree in December time, my my, my first cousin, cousin I was really close to after my mother passed away he really helped me through he was only 19 years old he's two years older than me. He passed away and suddenly in a car accident they have a discussion conversation with my load my professor I'm not sure what's gonna happen and lo and behold, this happens and then I still I still go through when I got my degree. My degree shows the fact that I you know, I must survive I didn't get first class I should have got a first class but I still got a high to one I'm happy.

Jason Butler 24:29
Yeah. So so so you had these two traumas you finish the degree you got still very very good to a law degree. No does not knock it despite all that and your dyslexia? What then happened then? Did you go straight into becoming a barrister? Or did you have some time out and what were you like financially then we were you did you have debts or had you saved money or did you have a part time job?

Gull Khan 24:50
So I was working throughout an apartment passed away in the in the kind of system we have in UK is bit weird. You get no benefits as a student None whatsoever. So woman passed away, we I had to fork out my shift the rent that you're the utility bills, the council tax the works, everything, I think we get some like 25% disguises during them. But that's it, there's hardly any support for students, you have to pay your way. So I was working all the way through paying for, you know, paying for that anyway. And then once my degree finished, I needed a little break, that's when I took a break and go straight to the in the bog above occasion course, I thought I needed a little break just to just to clear my mind and just have some time out and figure out, you know, where I'm gonna go, I was gonna go to the bar anyway. And that's when I did the new bar exams. So I was at home of something else. I was working for Herbert Smith, I managed to get a job with them as a paralegal for one of the major medical ethical office, Herbert Smith. And while doing that, obviously, I got bored, because I am because I if I'm not pushing myself, I'm not going anywhere. So I decided to do the course with that time was called the college, the law college and now called the university University of law. And I did a course with them to take the New York bar exams. So I actually took my new bar exams and became an attorney, before I took the English bar exams. So then I went up to go into UK, a US Alberni and took exams, and I passed that country again. And those exams are such that they're really, really tough, especially for people from abroad. And the pass rates, the lowest thing as low as 30%. But I've managed to do it first time around as well.

Jason Butler 26:24
So you're holding down, you're working, you're getting paid where you're from, if you're taking full time. Yeah. And do you live in a quite simple lifestyle? You weren't socializing? You weren't buying you pets made up from the two pound shoes, but you weren't spending a lot of money, right?

Gull Khan 26:37
No, I didn't. Because my most of it was going into paying for this course. So it was at this course or the rent. I'm living in London. So

Jason Butler 26:44
subsistence living and investing in your future capability and qualifications

Gull Khan 26:48
all the time. And that's me. I think that's that's a really good point you made actually say something. Nobody has made this before. And I thought about it. From very young age. I've invested in myself. I've invested in my learning I've messaged in courses.

Jason Butler 27:02
The fun you've deferred the Hedden ism, you deferred all the stuff that normally young people do, right? Because of a brighter tomorrow anyway, I

Gull Khan 27:09
don't go clubbing and drinking and drinking life. So I'm not that that doesn't. That doesn't interest me doesn't treat me I'm more into the spiritual learning. I've had been from young age. So it was all about learning, growing, learning, growing, learning, growing, and that's

Jason Butler 27:22
okay. So as you told me, just how you were you a natural saver when you were young? Are you just literally earning enough money to keep the lights on and pay for your course fees and things?

Gull Khan 27:32
So I was what I call bag because I got to whether for money mindset, I'm the breakeven person. So that's where I was at the time. Yeah, I would spend what needs to be spent first and then everything else would be you know, saving for a particular thing. In my case, I didn't have any savings because everything would went to eighth, okay. This is where I'm living for my my day to day living. Everything else is going to go to this course of that course this or whatever else into my education to my future. I always felt like I was investing into my future and that's what I'm doing at the moment. So I didn't have much to into space to speak. But I mean, I did too, enough so that I don't, I didn't spend a lot of money on myself when I was working. And when I say working on making a lot of money when I was looking for Skadden Arps or when I was looking for Shell I was making you know, quite a lot of money and therefore I was able to buy the Gucci handbag and the Gucci you know Gucci Gucci jacket and

Jason Butler 28:23
all luxuries, some people would say necessities

Gull Khan 28:27
I see. For me there's just luxuries because the most important thing was I could live my life the way I wanted I could travel I could have money and then and that's when that's where but keep in mind I had the target I did not want to be living on council estate anymore. I wanted to go and you know, be a millionaire

Jason Butler 28:43
Did you have a target and wanting to accumulate a certain amount of financial capital is that what you

Gull Khan 28:48
funny enough? I that came so when this is funny how life happens. When I found out I'm dyslexic. I started learning of how can I help myself to overcome this? You know, it's I saw as a gift of dyslexia. But I want to see how can I you know, how can I overcome my not disability but sometimes might, you know, my struggles with with writing. So I remember looking for books by Tony Buzan. There was a guy called Tony de who did mind maps and I love Tony design. And remember going in so I became a junkie in terms of learning about brain and neuroscience. And that's how my knowledge of neuroscience comes along. But it's funny, I picked up a book by Tony, Tony Robbins by accident. Okay, that's how I found so they're in the similar section. We're both in self help and Tony's Tony's and I picked up book by Tony Robbins and Tony was on and it was it was an awakened power. Oh, no. Awaken the giant within. Oh, okay. Yeah. So we can join with him. It was that one that black book. And, oh, okay. And he's what he's what he spoke about was really because he wrote his books at this time. And that's the kind of books treat him as a nerd. So I thought this is interesting. So I bought that and that actually that point in time, literally took me on a parallel journey of becoming a person drama junkie that I went to his seminars and I did it from him. I learned about him Jim Rohn, Zig Ziglar Brian Tracy, you name it, I've learned and then I went even furth er behind them even to Benjamin Franklin, Thomas tread Well, let's see what else you

Jason Butler 30:24
Self improvement orgies that word to say or

Gull Khan 30:28
I wouldn't say, I would say becoming junkie I became?

Jason Butler 30:32
Yeah, sorry, wrong word. I'm sorry about that. We'll scrub that from the recording.

Gull Khan 30:37
I just did a lot of everything that was everything about development, personal drama, setting goals. I became a sponge and I just took it on board. I'm like, okay,

Jason Butler 30:46
that's impacted all that. All that all that kind of input, as well as your studies, your input of personal development, What impact did that have on you? Your mindset and what you eventually ended up becoming doing did that sort of just did that open a Pandora's box of obsession with this stuff? And moving forward with it? was it was it petrol to the flames, that's what I'm trying to

Gull Khan 31:07
think I think it was it was literally petrol to the flames. It was it was opening the Pandora's box, because it gave me a place where I can realize my full potential, I always knew that I was destined for so much more. And something I've shared with just, you know, with my close friends, I'll share with you here was very young age, I just knew I'm going to do I'm going to be the most you know, amazing person out there. I knew that I had amazing success leading me I wasn't sure where my finances while I was going to be a billionaire. There was no question about it again, millions, I was gonna be a billionaire. And this is a child who's like six or seven. Because I wanted to compete with my father. That was the reason why that was the motivation for it because I wanted to be at the same level as my dad.

Jason Butler 31:43
Okay, so you equated financial success with sort of self esteem self worth, like a lot of people? Yes. Yeah. So so so Okay, so you, you horse through your, your, your legal career, and you were starting to accumulate money where you were definitely not spending more than you earn it because some people do get the high earnings, they start getting the big, high octane lifestyle as well, they forgot.

Gull Khan 32:04
Yeah, I mean, my The thing is, I did money to steaks and the kind of things that I'm at right now if I'd known then I probably would make a lot more money, right, I would have been able to invest more and and be able to use a lot better. But I wasn't I wasn't a high spender, I didn't waste money. So

Jason Butler 32:20
you accumulated money by default, as opposed to by intention.

Gull Khan 32:23
Yeah. And therefore and that money, because I had potential where the money was going to go, I was going to go into my financial prosperity. So this is where the idea was, I want to become a property I wanted to come, I want to become a millionaire. And then nothing of that path opened up when I learned about property investments and so forth. And then that's where by the time I was 27, I had them as paper millionaire, because I was I was a property millionaire. So I hit my target.

Jason Butler 32:48
millionaire, do you mean property millionaire? Less all the mortgages? Or do you mean your gross? Yeah,

Gull Khan 32:53
with the with the mortgages as well. So I own a portfolio worth a million, just over one and a half million and probably half. And half of that is probably with mortgages. So it was it was along those lines. And that is

Jason Butler 33:05
the way to your million by 27. So it's still good, right? Okay.

Gull Khan 33:08
Yeah. And then the property crash of 2008.

Jason Butler 33:11
All right. So how did that happen? How did that affect you?

Gull Khan 33:15
So my equity was wiped out?

Jason Butler 33:20
Could you service the loans? Or did you have to step up and earn extra money to pay them or what?

Gull Khan 33:24
No, I was, because the advisor lives in the one property I'm living and the rest of our vital it, I somehow managed, I don't know how but we somehow managed to keep hold of the properties and we paid I paid that I paid their mortgage. So okay,

Jason Butler 33:38
you made the point there. That's that's a good point, though, that when you own even investment properties, with mortgages, all you're doing is owning a portfolio of mortgages that may have some equity on top. Okay, that's a very good point. I own investment properties with no mortgages, right? I'm an anti debt person, right? And so I was talking to my wife the other day, we've got a property and I said, Oh, you know, let's do it furnished holiday. Let's not get too worried. And it doesn't matter. The only stress we have is not remember service, any debts. The question is, is the money earning its keep? That's the question. That's different. So, okay, so you've managed to claw through the financial crisis, you managed to keep the kind of lights on you the properties, liabilities that you owned on them, which were, you know, matched by the value of the properties were being funded by the tenants. Tell me what then happened.

Gull Khan 34:26
So things might have an interesting way of working out so far. In terms of professional life, I was okay. I was doing really well. And I and I had an so around them around the my think man to 2004 random and when I was about 24, or something, I should go into my first relationship with someone when I was 22. Fell in love Kevin Love heals with some nice person. And around 2425 No, she was living later. Years later, when I break up with him. I was devastated. Yeah, that's it. That's just it. So I was completely devastated. And that's the time I sort of found I think my faith again, I was back into the devices energy connected, device energy. And then I sort of reconnected with my father on age. So that's when I reconnect my father. And I, you know, forgive everything, just you know what this sleeps clean Romans had passed away, Sonny had one parent left anyway, we know we've speaking and so forth. But he was really adamant about me getting married. And at that time, I was heartbroken. Like, I was devastated. I wasn't considering dating anything. I thought that was just not an option. And so he said, Well, can I cannot find someone for you. And stupidly, stupidly, I said, Okay, whatever, you know, if you can find someone suitable, then go for it. And my brother, I was living at home with my brother and my sister in law, which is another story altogether. He my brother, because we come from traditional backgrounds, he wouldn't let me move out. And I and his sister messaged me my life at home, we live it was, it was horrible. And all. The only option I could see myself getting out of the house was through marriage, because my brother will let me go, my father was not going to pray with me, you know, living by myself a single Muslim girl by itself. So I was stuck in that awful, awful place. So I and I wasn't thinking straight, because I was heartbroken. And, and I really was heartbroken over that scar. So my father arranged my marriage. And I had a complete, like, completely arranged marriage is crazy now. But it was it was I had arranged marriage. And on paper, it looked good. I mean, I was a banking finance lawyer at the time, he was a criminal solicitor. It was just we're both lawyers, but it made sense. And so we got, I had to arrange literally, I'd hardly got to know to I think have two meetings with him there are married off to the guy. And that ended up being a really traumatic experience, because he was a wife beater, he was highly abusive. And initially, it was, initially it doesn't show up as that but he said that he didn't want to, he wasn't that keen on working for various reasons. And because my income was like three times his income anyway. And I thought that was okay. I mean, I was I was so liberated and bring my thinking, it didn't bother me that you thought

Jason Butler 37:12
you were scraping the other home and you thought you, fat the frying pan. Right.

Gull Khan 37:19
Yeah, exactly. That, literally, so I'm going with him. But initially, it wasn't that bad. Initially, he's just said lucky enough to read and I said, Okay, fair enough. So he was in Manchester I moved to Manchester Originally, we moved to London because I wish I had more opportunities. And I went back into working into I think one of my other current which I think was shell or something. And he said he wanted them to just on his own, he didn't go back into law anymore, he wants to just build a business whatever. So basically, I became the main provider when I became the main provider, this is when the abuse began to start is start to escalate. So while now looking back in hindsight, I think he thought as he was getting you know, because as I was becoming more the more dominant financial provider then there was a power struggle that in his head nod my head I was in his head and therefore not to control me he became abusive, inadequate because

Jason Butler 38:09
of your financial economic muscle, and therefore used his own muscles to try and get some form of power

Gull Khan 38:15
over. Yeah, fortunately, yes. Anyway, it was it started verbal abuse, and it was it was getting to physical, but then I found out I was, I was expecting my daughter, but then it stopped. It literally stopped. He didn't touch me at all. verbal abuse continued to some extent during the pregnancy, but there's no physical tool. And I thought maybe once the baby's arrived when you calm them, if you understand that, you know, this is a family unit, whatever. And I was conscious about that. He thinks, you know, I'm earning more than him. However, once the baby was born, it became worse right? And I remember this the final the the final nail in the coffin would speak would be when you know my daughter was eight weeks old and he said I'm not I'm not a petite girl anyway, but I'm five six and but he's six foot something and I'm a bit chubby and I was quite small petite size wise. So I'm quite small in comparison to six foot something guy and having this eight week old baby and he had me pinned across the you know, on the on the stairs, and I don't know what the I don't remember what he was doing. I don't remember is just like mind blowing. But all I remember is after that, that instant I picked all it was pick up the phone and call the police and that was the end of the marriage. There was nothing happened.

Jason Butler 39:31
So after that traumatic event and thanks for sharing it. You You got out straight away. Right. Okay, because because abusers are abusers there's no question about it. They never change their ways. Yeah. So how did you carry on economically? Did you keep working? Did you support yourself? Did you? You know, did you have to give him half of everything you had or how did it work out?

Gull Khan 39:48
So that's interesting because we hadn't we hadn't been married for more than we it was under two years marriage and the crash happened. So I had no I had nothing to get out of Anyway, so the so that went, and I but I he did he did, he did sue me for, you know, for half of things, whatever, but there's nothing for me to give him all the time. And my job wise, he could have asked me for money. And what I did was I did something clever, I let go of my job. Anyway, I'm looking back, I've got a baby, what can I do? So that's how I got that one. Yeah. But it was it was traumatic, traumatic, but I mean,

Jason Butler 40:30
okay, so thanks for sharing it. So So the point is, is that life doesn't go in a straight line, you had a real traumatic experience, you've had previous traumas, but you weren't defined by it. And you certainly weren't going to be pigeonholed by the situation. So. So from there, I know that you've had great success, and I'm just mindful of the time we've got left with you. Um, do you want to just explain to everyone, basically, how you arrived in the last few minutes, we've got how you arrived at kind of the energy work that you do, and this whole mindset thing, and how it benefits people because clearly you've got you are a survivor, and you're a thriver. So we know that you've got the with thank you for sharing that. It's just now want to hear the positive sort of stuff that you now use with people who may have also had similar difficult journeys,

Gull Khan 41:11
I've got one more trauma to add, because it has to be another tool before I can get to my journey. So I think once I left, I actually met my second husband. Again, it was a semi arranged marriage, because he knew me from before. Long story short, we got married. And he had this condition that he was, he didn't want me to work, he wanted me to stay at home. That's the only condition. And after what I've been through the first marriage, I was willing to do something from high margin business from home, but I'm gonna stay home. I stayed home. So now with him, and he actually have to say he actually financially did really well. And the manifestation, everything that I've learned, I was able to support him in his business endeavors. So we went on and we had a really good life. So I didn't have the need to go but because we made enough money with my kids into being, I had a child with him we had and both of those kids were in private school and we had a really good lifestyle, I have to say we, you know, he did provide us with me financially well, however, he was also he he actually I think of him him with abuse was worse. With him the abuse started, and the fifth best the verbal abuse, and it was more than verbal and emotional abuse. And then financial abuse because I was fully financially, it got to a point where it's fully furnished depend on him. Even my properties was, you know, he was actually paying for everything, maintenance, whatever on the other properties. Everything was done by this guy. And, and he's the one who actually made me feel crap about myself. So I am ugly, I'm fat. By the time I was in my early 30s, I was fat, and I was ugly, and I was old, and nobody would bother looking to me. That kind of, yeah, internal can completely break your confidence. And because he wasn't educated, my biggest flaw, Jason was the fact that I was educated and that you should really educate women because

Jason Butler 42:49
yeah, yeah, you would

Gull Khan 42:51
think you did a woman is educated girl, right? Yeah. So anyway, very abusive marriage. And but this was my second marriage. So I was holding on to dear life, and I was financially depend on him as well. So this is where we are stuck. However, um, he gave me way out when he I found out here's a fan, and this is his ring bells with you. But what happened with my mother and my father. So in my, when I was in my mid in my mid to late 30s, my mother was a mid to late 30s, I found out about his affair. And I caught him red handed Actually, I listen to sort of industry for another time. And when I caught him red handed, the one thing he said to me was, I want to keep you too. And so he wanted like my father to keep me along with this SanDiego now the logic here is that laid the girl he had an affair with was 16 years younger than me, the woman remember that my father married was 16 years under the new dating. It was literally a man, I manifested my mother's exact life. I have two kids. My youngest one was five, I was the youngest of the five. And when I'm a mother, and my my my ex husband did the same thing with me. He pulled the financial card He said, If you leave, you get no money and because these businesses structured it, I would literally get nothing from him and

Jason Butler 44:05
power for him and control it as

Gull Khan 44:07
powerful as that same thing. So I when I am in 2016 when I divorced him and I divorced my second son in law, so I didn't go to the Edit pay lawyers read it myself and

Jason Butler 44:15
some benefits from the law degree. Yeah,

Gull Khan 44:16
yes. No, I did that. And then 2017 when I came to crossroads, I had an option Jason I could either go back to to the legal world, and I know I can make a lot of money there because I have okay, but I would say No, I will not see my family my children will not see their mother. I remember doing 890 hours remember sleeping in the bed in in the in the firm's area, you know, we've had the transactions going. So I know what kind of lifestyle was it you know, was before me if I took the legal route, especially my only field which is backing finance, or I could go another route. Now all this time while I was home, I was honing my skills as an empty Halo treating guitar speaker. As you know, I've worked I've trained up as an intuitive life coach in EFT And other modalities. And I'd be working pro bono with people helping people. And I realize if I can help them for free, why can't I make a business out of it? So 2017, where I made the decision, I'm going to go down the route of and I was really focused on money from before, as we've discussed throughout this conversation, I'm always be focused on prosperity and financial prosperity. So even those healing modalities, and he is I focus on helping people with their money. And I did a very good job of it, I did really, really good results. So I thought, Okay, let me apply all these principles to myself. And let me make a business out of it. And to learn some things when the idea was born, I didn't get to make money out of it until the end of 2017, because I had what I've just described earlier, the money blocks, I had to go back and clear all my traumas and everything. He asked me about the things from my childhood, the reason why they're not as I'm not emotional about it, or they're a bit vague is because I've cleared them. I've dealt with them the memory from the infamy, it's just it's like a past movie.

Jason Butler 45:56
So so just thinking about those, we come to a close now, um, essentially, your service and what you provide, and we'll put your website, what is your website address, again,

Gull Khan 46:04
it's gullkhan.com. And so my name is G U L L K H A N .com.

Jason Butler 46:08
And we'll put that in the show notes. But there's some fascinating stuff on your website about the whole journey, this what this actually does. And essentially, in us in just literally three points, what would you say is the benefit of this whole money mindset approach that you have? What are the three key things that people get from from working and interacting with your material?

Gull Khan 46:28
Well, the first thing that they get to realize is they can have absolutely anything, if they can see it in their minds, and they can feel it with their heart, they can have it in their hands, that's all that I really follow. You can be there's nothing that you can't have absolutely everything. Okay, that's the first point. Okay? Secondly, if they've been trying and haven't got it, there's a reason for it. The universe is not against you, the universe is for you. But the universe actually asks you to do the work yourself. So if you want to manifest a car, but you have blocked receiving that car, for whatever reason, it could be past programming or whatever, it's your responsibility to clear the blocks universe will give it to you, but if you it won't come and knock in the door until you've actually clear the path for it. It's not it's going to find the easiest way to give it to you so you have to make it easy for them

Jason Butler 47:09
money wants to hang out with you. Yeah, money wants to

Gull Khan 47:11
hang out with you. And exactly. Point number three if you want to have financial prosperity you need to become friends with money. You don't need to have you can't have need for it. You can't have greed for it. If you notice my voice No Where can you find an atom word of greed for money matters because I've become friends with money. And this is what I talk about an advocate all the time and I will talk about something called your money avatar, you need to have a money avatar that you actually slowly build a relationship with who you know is going to turn up before you need it. And it's always good to have you back because guess what, you're better and always got your back and that's why money should be in money should be your best friend not someone you need someone you know run after somebody you knows when it's be that Yeah, and someone comes and goes because money has this ebb and flow of money money has to come and go

Jason Butler 47:57
money currency. Yeah,

Gull Khan 47:59
definitely. And but that's how money should be as a best friend comes in those

Jason Butler 48:02
great gold con what what a star you are, we're gonna have to have you back on because we're only just scratched the surface and obviously in the short period of time we got your superstar thank you very much for sharing your insights. It's gullkhan.com Isn't it your website? We'll put the in the show notes. There's one

Gull Khan 48:18
I have a podcast as well as by this podcast, which is money mindset with Gull Khan.

Jason Butler 48:22
Great, well Subscribe for that. I'm gonna be listening to that, because I love podcasts. I love sharing things. You've got loads of energy, you've got fantastic insights. I only wish we had more time to speak to you. We'll have you back on the show in a future episode. Thanks for sharing your story. Thanks for sharing your insights. And thank you very much for listening to this edition of Real Money Stories. I'll see you next time.

Thanks for listening to Real Money Stories with me Jason Butler. If you like what you hear, please do tell your friends. And more importantly, please rate us on your preferred podcast app, because it really does help us get the message out there. So until next time, good luck with your money journey. Real Money Stories is sponsored by Vanguard bringing value to 30 million investors worldwide. Visit Vanguard investor.co.uk for more details. The value of investments can go down as well as up and you may get back less than you invested.

Transcribed by https://otter.ai