Math-Driven Clarity
for Life’s Decisions
For solo breadwinner women and for women navigating divorce.
Divorce settlement analysis, post-divorce rebuild guidance, and single-income financial planning.
The Advisor I Wish I’d Had
I spent years as an engineer in planning roles in the energy industry, building models for multimillion-dollar decisions. My most meaningful financial lessons came during and after my own divorce and building my financial stability after leaving my corporate career.
I founded SpendItRight to give women the advisor I wish I’d had: one who combines analytical rigor with the lived experience of rebuilding. Advice-only and focused entirely on you.
Learn More About Me →The Math Showed She Could Do Both.
A mom came to me torn between maxing out her 401(k) and funding her daughter's 529. She felt like she had to choose one or the other. We modeled both scenarios across a 10-year horizon and found a contribution split that fully funded college on track while keeping her retirement trajectory intact. She stopped feeling guilty — because the math showed she could do both.
Who I Navigate With
You don’t need a certain net worth to deserve expert advice. You just need a desire for clarity.
The Breadwinner Mom
You’re the one paying the mortgage, the tuition, and funding retirement - all on one income. I help you build a cash-flow plan, set financial priorities, and stop second-guessing every major money decision.
Forward-Thinking Mom
You’re thinking ahead - college, retirement, real estate, the next chapter. I help you model the trade-offs so your money goes where it matters most.
Women Facing Divorce
You’re making permanent financial decisions under pressure. I model the scenarios - settlement options, retirement impact, cash flow - so you sign with clarity, not regret.
Financial Guidance Built Around Your Decision
All services are advice-only and project-based. Whether you’re in the middle of a divorce, just out of one, or rebuilding as a solo breadwinner, there’s a service for where you are right now.
“Sandhya has a genuine passion for empowering women to understand and take control of their finances. I’ve found her to be diligent and sincere — and someone who has navigated it herself.”
“I’m glad to have worked with you. I didn’t feel so clueless walking into mediation.”
“I cannot describe the relief I feel at being able to hand all of this over to you and have you come up with a document like this.”
How I Work
Kits
All Kits →Not sure which service is right for you?
A 15-minute intro call is always free. Let's figure out the right fit together.