About

Empowering individuals to understand money, avoid money mistakes and build real wealth

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Most people have a very unhealthy relationship with money. They are either so consumed by it that they can't see anything else in their lives, or so nonchalant about it that they don't make an effort to grow. Some live as royally as kings when they could barely afford to be paupers, while some others live like paupers while their tall stashes of cash sit idly, watching as their life passes by. If truth be told, being both crazily spendthrift and unbearably miser are signs of a terrible outlook towards money. So is letting money overpower all your senses or being so lazy that you don't try to move out of the rut you are stuck in.

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People spend their lives working on jobs they hate, only to be paid measly sums, which either goes into funding EMIs for expensive cars and unaffordable houses, or gets spent on online sales and dining out in expensive restaurants. And if by some fortune some part of it is left with them, they either keep it in their bank accounts where the returns don't even beat inflation or put it into expensive insurance policies that neither give them any good returns nor coverage. Then there's the big events - birthdays, weddings, birth of their children- that take up whatever little they could muster. And the expenses only grow as the family does. In the end, people retire from the jobs they hate with little to show for it.

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All this can be changed if people can just reflect on their own relationship with money, understand the mistakes they are making, and correct them as soon as possible. As many rich people have often said, the best way to get rich (other than bedding someone rich or being born a nepo baby) is to make money work for you.

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That's where Money Smart Indian comes.

Money Smart Indian is a blog started by a twenty something money smart Indian who not too long ago stumbled upon the basics of personal finance and investing, and like most other Indians on the internet, took it upon himself to pass on his learnings to others who aren't yet initiated into investing in a simple, concise and fun format.

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The aim of Money Smart Indian is to encourage people to look at their own lives and see how money comes and quickly goes out of it. There is a lot to be gained by learning about personal finance and money management as early as possible in life, given that time is on your side. And a lot of what we discuss on this page is dependent on time. The more time you can give your money, the more likely it is to reward you with unprecendented growth.