Financial planning is a structured approach to managing your money with the aim of achieving both short- and long-term life goals. It goes beyond simply saving or investing—it’s about understanding your current financial position, anticipating future needs, and making informed decisions that align with your aspirations. At its core, financial planning helps bring order and […]
Picture this: Your 3-year-old is playing with blocks today. In 15 years, when they’re ready for college, that engineering degree you’re hoping to fund? It won’t cost the ₹15 lakh you see advertised today. Try ₹62 lakh. Education costs in India are rising at 10-12% annually — nearly double regular inflation. What costs ₹10 lakh […]
You don’t need to be a finance expert to start planning your future. With a clear process and a bit of structure, you can take control of your money and move steadily toward your goals — step by step. Financial planning isn’t just about choosing investments. It’s about understanding where you stand today, defining what […]
Remember when a litre of milk was ₹25 or when a Delhi Metro ticket cost ₹10? Today, you’ll probably pay double, sometimes more. Prices have been inching up every year, and that’s inflation quietly doing its job. Inflation is the rate at which prices rise over time”. According to IMF data, the inflation rate in […]
Retiring at 50 or even 45 may seem like a far-fetched dream for many. But for a growing number of Indian professionals, early retirement isn’t about escaping work; it’s about gaining the freedom to choose how they spend their time. Whether it’s starting a business, travelling, pursuing a passion, or simply slowing down, the desire […]
Most people think financial planning is about picking the “best” investment or buying a tax-saving product in March. It’s not. Financial planning is not about products, it’s about clarity. Over the past 20+ years of working with professionals, business owners, and families across India, I’ve noticed a familiar pattern: people don’t fail at money because […]
