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Most people think personal finance is about budgeting, cutting expenses, and using tools like the 50/30/20 rule. And yes, these are important. They create structure. They build awareness. They help you take control of what you already have. But that is only one side of the coin. The other side, which we rarely talk about with the same seriousness, is increasing income. Because if you pause and think about it… How much of your daily thought is actually directed toward earning

Most people think financial planning starts with saving or investing. But the truth is, the very first step is something far less exciting. Life insurance. When I started my podcast in 2020, I wanted to talk about personal finance through real stories from my own life. That is how my three step formula for financial freedom eventually came together. But what surprises most people is that the first step in that formula has nothing to do with investing. It is the boring topic t

The older I get, the more I realize that simplicity takes work. It sounds peaceful in theory - living simply, thinking clearly, cutting out the noise - but for most of us, it’s anything but simple. I’ve spent most of my life surrounded by complexity. Complex projects. Complex decisions. Complex emotions.And somewhere along the way, that complexity became my comfort zone. It showed up in how I worked, how I lived, and even how I managed money.I used to believe that if somethin

My approach to money was very different when I first started my journey toward financial independence. Back then, I just wanted to know what was right. The right way to save, the right place to invest, the right method to grow wealth. I had always been disciplined with money. I never spent more than I earned. I was a good saver. But beyond that, I did not take any steps, mostly because I did not know what was possible. In 2018, I tried day trading for the first time. It was t

Okay, let’s admit it. Budgeting is not the sexiest topic for anyone. It feels like becoming an accountant for your personal life. It’s boring, repetitive, and a little energy-draining. But here’s the good news - you only have to do it once a month. If you’re already in a good financial situation, budgeting might not trigger much emotion. But if you’re not - if you’re in debt, living paycheck to paycheck, or unsure where your money goes - chances are you’re avoiding it altoget

It’s funny how life unfolds sometimes. After 12 years in corporate finance, I quit my job without a backup plan. No detailed roadmap - just a deep sense that I needed a break to find some clarity. What seemed like fun at first quickly turned into a big puzzle to solve. But that puzzle became the most important project of my life. Over the last two years, I’ve experimented with more things than I ever thought I would.I got into inner work , meditated for hours, and wrote over

Back in 2020, I started a small passion project, a podcast called Making Sense with Nikhil. At the time, all I wanted was to spread awareness about something I felt was missing in most of our lives: financial literacy. I didn’t have all the answers, but I had experiences, some great, some hard, that taught me how much freedom comes from understanding money. Over the years, I learned the importance of things we often overlook: budgeting, saving, life and health insurance, eme