financial-goals
Priya, a 34-year-old marketing manager in Pune, called me last month in a bit of a panic. Her home loan EMI of ₹38,000 had just gone out on the 5th. On the 8th, her father was admitted for a minor cardiac procedure, and the hospital wanted a ₹1.2 lakh advance before they’d even confirm the…
Financial planning is one of the most important life skills, yet many people ignore it until it’s too late. Most salaried employees in India work hard, earn a decent income, and still struggle to build wealth. The reason is often not low income — it’s financial planning mistakes. Small money mistakes repeated over many years…
Managing money wisely is not just about earning more—it’s about having clear financial goals. Without goals, it’s easy to spend your salary without building real wealth or security. Many salaried employees in India work hard for years but still feel financially stressed. The main reason is not a lack of income—it’s the absence of a…
Managing money well is one of the most important life skills. Yet, many salaried employees in India never formally learn how to manage their personal finances. Most of us grow up believing that if we earn well, our financial life will automatically fall into place. But reality often proves otherwise. A good salary does not…
Imagine waking up on a Monday morning — no boss to report to, no pressure to hit deadlines, no anxiety over bills due next week. You sip your coffee slowly, planning your day around things you want to do — not things you have to do. Sounds like a dream, right? That’s what financial freedom…
Money Rules Our Life (But We Were Never Taught About It) Let’s be honest—most of us went through school and college solving trigonometry, writing essays, and memorizing periodic tables. But how many of us were taught how to file income tax, choose between a PPF and FD, or plan for retirement? Almost none. This is…
For most salaried employees in India, one question never seems to go away: 👉 “Should I keep paying rent or finally buy my own house?” It’s an emotional as well as financial decision. Owning a home is often seen as a milestone of success, stability, and security for our families. At the same time, buying…
Introduction: Why Goal-Based Investing Matters for Salaried Employees If you’re a salaried employee in India, you probably receive your salary on the 1st or last day of every month. The moment that SMS hits your phone, you feel relieved—bills can be paid, EMIs can be covered, groceries can be bought, and maybe a little money…
Most of us rely heavily on our monthly salary. It pays the bills, covers EMIs, funds our lifestyle, and (hopefully) leaves something for savings. But let’s be honest—depending on a single source of income feels risky in today’s uncertain world. Job cuts, rising inflation, unexpected expenses—anything can shake financial stability. That’s where passive income comes…
Managing money when you’re earning a fixed monthly salary can feel like a never-ending cycle of paying bills, clearing EMIs, and waiting for the next payday. But here’s the truth: if you don’t set clear financial goals, your money will control you instead of you controlling it. That’s why learning the personal finance basics is…