At Brilliant Read Media, it is our constant endeavour to identify and share some of the unique and compelling stories from the startup ecosystem. As part of this, we invited Moona Ssahni for an interview with Brilliant Read Media. To say further, Moona is an Angel Investor, Financial Coach and Founder & CEO at Monaargy Consultancy Private Limited. Let’s learn more about her background, inspiring journey so far and her advice for our growing community!
Excerpts from our exclusive interview with Moona:
Could you please talk us through your background and your journey?
I don’t see my journey as a résumé; I see it as chapters in an energy book.
I began as a Chartered Accountant in logistics and BPO firms, where I built discipline in numbers and governance. Life soon pulled me into larger arenas — boardrooms, stadiums, and global sporting businesses across India, the UK, South Africa, Mauritius, and the Caribbean.
I had the privilege of being CFO and M&A Head, running the P&L for an IPL cricket franchise, overseeing corporate structuring, and strengthening governance for growth companies. These roles showed me that finance isn’t back-office — it’s the engine of freedom, strategy, and trust.
Then one piece of research changed everything:
a) 1 in 5 startups fail in Year 1.
b) By Year 5, half are gone.
c) By Year 10, two-thirds no longer exist.
Most don’t fail because ideas are weak, but because systems aren’t built — cash dries up, governance is weak, clarity is missing. That became my burning reason: if 90% of ventures are at risk, my mission was to support startups and MSMEs — the true movers, job creators, and growth engines.
Every chapter since has shown me that numbers aren’t just numbers; they carry stories, fears, and dreams. That belief is at the heart of Monaargy Consultancy, where my work is about ensuring money fuels freedom, not stress.
Whether as a Fractional CFO for businesses or a Personal CFO for individuals, my purpose is to make money the force multiplier of vision, energy, and impact.
‘Monaargy Consultancy’ is such a unique name; talk us through more about it, please. Our audience would also love to know what kind of problem you are solving.
The name Monaargy comes from my belief that Money is Energy. Just like Newton’s Law of Energy — never destroyed, only transformed — money is never static. It flows, multiplies, leaks, or gets blocked depending on the systems we build. The name also connects to mine, Moona, making it deeply personal.
At Monaargy, our mission is to direct that energy with clarity and purpose. The challenge is universal — founders scaling businesses and families building legacy often have financial data but no financial direction. That’s where we step in.
We serve through two complementary roles:
– Fractional CFO Services (for businesses):
We align business models, revenue, and profit with one uncompromising lens: cash flow. If revenue is vanity and profit is sanity, cash flow is sovereignty. We build compliance discipline because while compliance may look expensive, the cost of non-compliance is far higher. We also specialise in M&A and debt raises, ensuring capital isn’t just raised, but aligned with strategy and sustainable growth. Our philosophy is simple: systems before scale.
– Personal CFO Services (for individuals, HNIs, and family offices):
We design Financial Freedom Roadmaps around three anchors:
> Net Worth– the full financial snapshot.
> Freedom Runway– how long wealth sustains your lifestyle if income stops.
> Freedom Fund– the protected corpus ensuring you never outlive your money.
We optimise returns, mitigate risks via insurance, and build retirement and succession structures. Because life is fragile, and true wealth is not just what you build, but what you can sustain, protect, and pass on with dignity.
In short, Monaargy turns financial fog into flow. For businesses, it means scaling with systems. For families, it means living with freedom and legacy. In both cases, money becomes a force multiplier of vision, energy, and impact.
Despite the challenges, what keeps you going when things get tough?
What keeps me going is the impact when clarity replaces chaos. Watching a founder move from firefighting to calm, proactive decisions, or seeing a professional finally breathe easier when their money starts working for them — those moments remind me why I do this work.
I draw strength from my philosophy that money is energy. Challenges are not walls but signals. If energy feels blocked — in business, in systems, or in life — we need to realign the flow. Once energy moves, progress follows.
I also lean on my compass: ICAMRITASHEL — Integrity, Contribution, Abundance mindset, Results orientation, Influencing action, Time-bound execution, Attention to detail, Speed, Humility, Eliminating bias, Leveraging networks. These are not just my 12 core values; they’re anchors that pull me through.
For me, resilience isn’t about ignoring the storm; it’s about building systems and values strong enough to stand in it.
What are the three most important lessons you have learned in your life?
1) Investments in Relationships have the Highest ROI. The real wealth we carry is the people we walk with. A conversation with a mentor, a moment of kindness, or the steady support of family and colleagues can change everything. Relationships compound quietly through trust, presence, and shared memories — and when all else feels uncertain, those bonds sustain you.
2) Delegation is the Key to Living Successfully. Doing everything alone leads to burnout. True leadership is creating capacity in others. When you delegate with clarity — set instructions, handhold when needed, create SOPs, then trust the process — this way you empower people and multiply outcomes.
3) Implementation is the Real Game-Changer. Knowledge without action is wasted potential. You can read, train, and learn endlessly, but until you implement, nothing shifts. Implementation is where transformation takes root. It turns ideas into results and dreams into reality.
These three — relationships, delegation, and implementation — guide how I live and work every day.
In your opinion, what are the keys to success?
For me, success rests on three anchors:
(i) Financial Literacy and Financial Discipline. Learn early, apply consistently, and aim for financial freedom by your late 30s /early 40s. That gives you the most valuable asset — choice. With it, you can spend your prime years pursuing passion, creating impact, and contributing meaningfully.
(ii) True success is when thoughts, words, and actions are in sync. When I say what I think, do what I say, and introspect and refine, I create inner peace and outer impact — synchronising mind, body, and soul.
(iii) Abundance Mindset. Believing there’s enough capital, talent, and opportunity shifts you from scarcity to growth. It’s the mindset that says: What I need, I can create or attract. This removes fear and fosters collaboration, contribution, and expansion.
So to me, success is a three-part equation: financial freedom as the foundation, alignment as the compass, and abundance as the fuel. Isn’t that absolute success?
What advice would you give students and young professionals who want to have a successful career?
~ Treat Learning as a Lifestyle, Not a Phase. Stay curious beyond your degree — read widely, ask questions, learn from every room. Curiosity compounds faster than any qualification.
~ Build Your Financial Muscle Early. Track expenses, save systematically, and invest consistently. Financial literacy = freedom to take bold career risks later.
~ Don’t Just Network — Nurture. Go beyond LinkedIn connects; build authentic, trust-based bonds. People open doors that résumés cannot.
~ Document, Don’t Just Do. Keep an impact journal or portfolio. It turns invisible effort into visible value for promotions, interviews, or ventures.
~ Play the Long Game. Don’t chase only titles or salaries early on. Seek experiences that stretch you, sharpen judgment, and give ownership. Careers are marathons.
~ Protect Your Energy. Hard work matters, but energy matters more. Boundaries, rest, and focus make you unstoppable.
Last but not least, what about your journey makes it satisfying/exciting?
On a personal level: What excites me most is the feeling of having it all — not in a material sense, but in a life-by-design sense. Inspite of my work commitments, I get to be present for my family, nurture relationships, and live with the freedom to choose how I spend my time and energy.
The joy of seeing my children thrive, spending time with my better half, and cherishing bonds with people who truly matter makes my journey deeply satisfying.
On a professional level: What energises me is the range and resonance of my work. I’ve moved across sports, fashion, education, and wellness — building financial systems that don’t just manage money, but unlock human potential. I’ve seen ideas turn into operating models, capital into capability, and teams into high-performing units that create lasting impact.
More recently, I’ve poured my journey into writing Money Karma – 9 Laws for GenZ, which will be in stores next year. Translating years of learnings into a book has been one of the most exciting chapters — not just documenting knowledge, but creating a playbook of freedom to mentor at scale.
BrilliantRead is committed to bringing stories from the startup ecosystem, stories that reshape our perspective, add value to our community and be a constant source of motivation not just for our community but also for the whole ecosystem of entrepreneurs and aspiring individuals.
Note: If you have a similar story to share with our audience and would like to be featured on our online magazine, then please write to us at [email protected], we will review your story and extend an invitation to feature if it is worth publishing.
