💰 Money and wealth
Money writing aimed at India is either a tax-saving listicle or a US article with the currency swapped. These pieces are neither: what a budgeting rule looks like when rent takes a third of your income, how much of a salary an EMI can reasonably take, and whether prepaying a home loan beats investing the same amount.
Where the answer depends on arithmetic rather than opinion, there is a calculator to run your own numbers, and the article says which assumptions are doing the work.
5 pieces on finance & wealth
Article
The Best Way to Track Expenses Manually
No bank login, no SMS access: three manual methods that take a minute a day, the four fields worth recording, and the review that makes it pay.
4 min read
Article
How Much of Your Salary Should Go to EMIs?
Lenders approve up to about half your income. The ceilings worth holding yourself to are lower — here they are, with the stress test to run first.
4 min read
Article
Prepay Your Home Loan or Invest? How to Decide
Prepaying earns a guaranteed return equal to your loan rate; investing might earn more. How to compare the two after tax, and what to do before either.
5 min read
Article
The 50/30/20 Rule in India: Does It Actually Work?
The 50/30/20 rule fits on one line, but metro rent and EMIs bend it. What counts as a need, two splits that work better here, and when to ignore it.
5 min read
Book summary
The Psychology of Money
Learn why managing money is less about intelligence and more about behavior, patience, emotions, and the decisions you make over time.
3 min read
Put it into practice
Reading is the easy half. These are where the ideas above turn into something you actually do.
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