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Two Years of Watching RBI Rate Hikes — What I Finally Understood About My Own Money
Dear younger me (and honestly, anyone reading this from Kalyan or any other corner of India), Three years ago, I was sitting in a local coffee shop near Kalyan station, laptop open, pretending to work while actually scrolling through my HDFC savings account. My friend Priya asked me why I seemed stressed. I told her: "The RBI just raised rates again. I…
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Technology
5 Credit Score Mistakes I Made Before 25 (And How You Can Avoid Them)
Dear younger me (and honestly, anyone reading this from Kalyan or any Indian city), I want to talk about something nobody warned me about properly — your credit score. Not in the boring, Wikipedia way. But in the "this will actually determine whether you get that ₹30 lakh home loan in 2028" way. When I was 23, fresh out of my Economics degree an…
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5 Reasons My Emergency Fund Saved Me (And Why You're One Crisis Away From Regret)
I didn't have an emergency fund until I was 26. That's not a humble brag or a setup for some inspiring turnaround story. It's just fact . I graduated with an economics degree, landed a decent job at Morningstar, and convinced myself that my salary was enough. I'd spend most of it, save a little in a fixed deposit, and thought I was sorted. The…
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5 Things Your Salary Slip Won't Tell You (But Will Cost You ₹2–5 Lakhs a Year)
I stared at my salary slip last month for exactly 8 seconds before filing it away. That's the honest truth. I've been working in fintech for five years, studied economics , and I still treated my payslip like a piece of junk mail — something to glance at, confirm the amount hit my account, and forget about. Then one afternoon, sitting in the 5:52 PM…
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Two Years of Stock Picking Taught Me Why Most People Should Skip It
The question arrives almost every week — usually over coffee at work or in a WhatsApp group chat. "Should I buy stocks directly or go with mutual funds?" And I'll be honest: I used to have a very confident answer. Then I actually tried picking stocks myself, made some money, lost some money, and realized the real answer is far more boring than m…
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The 5 Lakh Question — What Tax Slabs Actually Cost You Each Month
Last month, I got my salary credited on the first, and by the third, I was mentally bankrupt. Not because the number was small—it was a decent hike, honestly. But because I'd finally sat down with my Groww portfolio and my salary slip side by side and realized how much of that "decent" was actually going to the Income Tax Department. I remembe…
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