Anastasiia Hortman, a 30-year-old Ukrainian expat, founded Hortman Clinics in Dubai. Residing in the emirate for seven years, she achieved financial freedom through Dubai’s entrepreneurial spirit and her determination.
If you had to use one word to describe money, what would it be?
Tool. Money isn’t the end goal — it’s an instrument to reach your objectives. It facilitates creation, growth, and service. Viewing it as a tool rather than an end liberates you from its control and encourages intentional use.
If you had to write a letter to money, what would you say?
Dear Money, our relationship has been complex. Initially, I pursued you out of necessity, working tirelessly just to have enough. Over time, I realized your true value is in what you enable me to do — not in your mere existence. You’ve helped me bring ideas to life, support family, and create transformative experiences. Thank you for teaching discipline, resilience, and the power of dreaming big. I don’t worship you but respect you, and I plan to use you wisely.
How would you describe your relationship with money?
It’s evolving and balanced. Earlier, money meant security and independence. Now, it signifies freedom and empowerment — for myself and others. I view it as energy; when aligned with values, it multiplies. I respect it but don’t let it dictate my choices or self-worth.
How do you think this relationship was formed?
Through contrast. Experiencing lack taught me the value of every dirham. These moments shaped my view on abundance, teaching me that money should be earned, protected, and wisely managed. My journey — from studying to launching Hortman Clinics — showed that financial success follows emotional intelligence and a clear vision.
What lessons about money management did you learn from your mother?
My mother was resourceful. She taught me budgeting and responsibility, even with limited resources. Her careful saving sometimes stemmed from fear, but it showed me the value of hard work and frugality. It also highlighted the importance of balance — to enjoy life with money, not just survive.
Who do you speak to about money matters, and is it something you consider ‘taboo’?
I advocate for transparency, especially in business. I consult my financial advisor, legal counsel, and a few mentors on major financial decisions. Money becomes taboo when it’s emotional or secretive. In business, honesty and clarity are crucial. Open discussions about money empower us.
Who has taught you the most about financial management?
Experience has been my greatest teacher. Launching and expanding a clinic demands financial discipline, forecasting, and risk-taking. I’m also thankful to my financial mentor for helping me build a sustainable model.
What has been your most profound experience related to money?
Raising capital and opening my first clinic was profound. Every decision felt high-stakes, requiring strategic financial choices without knowing the outcome. This pressure taught me to trust instincts, calculate risks, and support my vision. Clarity and passion attract money, not desperation.
How has living in the UAE changed your perception of money and wealth?
The UAE is a land of ambition and opportunity. It has inspired me to think bigger. Wealth here is not only visible but earned. Success is about creation, impact, and legacy, not just accumulation. Dubai has taught me to dream with structure and pursue excellence.
How much do you save each month?
I adhere to a disciplined structure, allocating a set percentage of income to savings, investments, and liquid reserves. It’s about consistency, not the amount. Saving is a non-negotiable part of my routine.
