The Blog
Real money, real decisions.
Real money, real decisions.
Told in plain English.
Dilemmas, stories and book takeaways: the stuff calculators can't answer on their own.
Dilemmas
The trade-offs every Indian household argues about, with the honest math.
Dilemma
Rent vs Buy a Home in India: the honest math
Opportunity cost, repairs, society fees, capital appreciation and the one lens most people miss. A spreadsheet-free explainer with infographics.
Coming Soon
Should you buy a car or keep using Ola/Uber?
EMI + depreciation + fuel + parking vs flagging a cab on demand. Where the break-even really sits in a Tier-1 city.
Coming Soon
Buying land: investment or illusion?
Liquidity, title risk, holding cost and the myth of the one-day 10× plot. How to price land against a boring index fund.
Real Stories
What actually happened when money decisions went right, and when they went wrong.
Coming Soon
Mistakes I made with money in my 20s
The ULIPs, the credit card habit, the "starter" car loan and the one decision that ended up actually mattering.
Real Story
Why I wish I had bought term insurance at 26
What the premium would have been, what it is today, and what a delayed medical test can cost when life gets inconvenient. With a premium-by-age chart.
Coming Soon
What happens when you have no emergency fund (a real story)
A job loss, a hospital bill, a credit card that kept swiping. How a missing ₹3L wrecked a year, and the simple fix.
Lessons from Books
The best ideas from the books people recommend, applied to an Indian context.
Book Notes
The best personal finance lessons from "The Psychology of Money"
Morgan Housel's nine ideas that actually travel to India, told through local examples, not American portfolios. With visual cheat-sheet.
Coming Soon
What "Let's Talk Money" by Monika Halan gets right about insurance
The three-box system, why ULIPs still win mindshare, and the bits of her advice we now wire into our calculators.