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Showing posts from October, 2026Show All
Technology
Most Indians Ignore Half Their Salary Slip and Wonder Why They're Broke
Every month, like clockwork, your salary hits your bank account. You check the final number, feel a brief flutter of relief or disappointment, and move on. But here's what I've realized after five years of analyzing financial data and talking to people across Mumbai, Pune, and Bangalore — most of us have absolutely no idea what's actually in that …
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Most Indians Pick the Wrong One Because They Don't Know What They're Actually Buying
I take the 7:15 AM local from Kalyan every morning. Same train, same crowd, same guy who always reads the Economic Times upside down. Last week, I overheard two professionals arguing about whether they should invest in "stock market" or "mutual funds" — and honestly? Both of them were wrong about what they were arguing about. Here's wh…
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Stop Pretending Tax Slabs Are Complicated. They're Actually Simple.
I used to think income tax slabs were designed to confuse people . Every time I'd sit down with my CA during filing season, there'd be this moment where she'd explain which bracket I fell into, and my brain would just... shut down. Numbers, percentages, deductions, exemptions — it all felt like a deliberately rigged system meant to keep us depende…
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2 Investment Mistakes I Made Before Understanding SIP and Lumpsum
I got my first bonus in 2018 — ₹1.5 lakhs. I was 24, working at Morningstar, and convinced I'd cracked the investing code after reading one Moneycontrol article. So I did what felt natural: I threw the entire amount into a Nifty 50 index fund on Groww in one go. The market crashed two weeks later. Not catastrophically. Maybe 8–9%. But I watched that ₹1…
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Most Indians Start Investing Wrong — Here's How to Actually Begin With Mutual Funds
I take the 6:47 AM local from Kalyan to Mumbai every morning. Somewhere between Dombivli and Thane, I usually scroll through my phone. Last week, I saw a friend's status: "Finally opening a demat account today! Ready to become rich 🚀" Three months later, he'd lost ₹8,000 and deleted the app. This isn't unusual. Most Indians I know who …
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Read These 6 Books Before 30 or You'll Regret It
It was 11:47 PM on a Tuesday. I was sitting in the Kalyan local, crushed between a man reading a Marathi newspaper and a woman with three shopping bags, when my friend Amit texted me: "Dude, I just realized I have ₹8 lakhs in my savings account and I have no idea what to do with it." Amit works at a decent IT company. Makes good money. But he'd …
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