In this episode of There Is No Plan B, Gabriella Borrero sits down with financial coach Devhuti Patel, founder of Devaar & Associates, for an honest and empowering conversation about women, money, and financial independence.

Together, they explore why so many women remain stuck in financial survival mode, how cultural conditioning impacts our relationship with money, and what it actually takes to move from reacting to finances to leading them with intention.

Devhuti breaks down the foundational pillars of financial literacy — earning, spending, saving, and security — while offering practical steps women can take today to gain clarity, build wealth, and protect their future. This episode is a must-listen for any woman ready to stop avoiding her finances and start owning her financial narrative.

• Why financial survival isn’t a long-term plan

• How cultural beliefs shape women’s money habits

• The four pillars of financial literacy every woman needs

• Budgeting without restriction or shame

• Why emergency funds are essential (and how much you need)

• The power of paying yourself first

• How small daily spending habits impact long-term wealth

• Why financial awareness matters regardless of marital status

• Simple steps to regain control of your finances

• How asking for help accelerates financial confidence

00:00 — From survival to strategy
02:47 — Why women fail to plan (and how to change it)
05:40 — Earning, spending & saving fundamentals
08:40 — Emergency funds & financial security
11:32 — Cultural conditioning & money mindset
14:36 — Taking ownership of your finances
17:17 — Practical financial next steps
20:31 — Resources for financial empowerment

• “People don’t plan to fail — they fail to plan.”

• “Choose your discomfort.”

• “Pay yourself first.”

• “Survival isn’t a strategy.”

Devhuti Patel is a licensed financial coach and founder of Devaar & Associates, where she helps women move from financial stress to strategic independence through education, clarity, and accountability.

Women who:

• Feel overwhelmed or anxious about money

• Want financial clarity without judgment

• Are building wealth, not just covering bills

• Want to feel confident and informed about their finances

• Are ready to stop surviving and start planning