Financial struggles are one of the biggest problems in India. High expenses, poor savings, and lack of financial knowledge keep most people in a cycle of debt and stress. If you feel like you’re always short on money, this guide will show you how to save, invest, and build wealth – even if you have a low income.
The Real Problem (Why You’re Always Broke)
1. No Savings Plan (You Spend Everything You Earn)
- Most Indians live paycheck to paycheck with zero savings.
- Inflation is rising, but salaries aren’t keeping up.
- Solution: Follow the 50/30/20 rule – 50% needs, 30% wants, 20% savings.
Tools & Resources:
- ET Money – Automate savings & investments.
- Goodbudget – Manage expenses smartly.
2. No Passive Income (Your Job is Not Enough)
- Relying only on a salary is risky – layoffs and pay cuts are common.
- Passive income creates financial security and freedom.
- Solution: Start a side hustle or invest in mutual funds.
Tools & Resources:
3. No Financial Education (You Don’t Know How to Grow Money)
- Schools don’t teach personal finance, so most people never learn.
- Debt traps, bad loans, and poor investments keep people poor.
- Solution: Learn about investments, taxes, and budgeting.
Tools & Resources:
- Zerodha Varsity – Free investing education.
- CA Rachana Phadke – YouTube finance expert.
My personal favourite – Rich dad Poor dad book to read
For free consultation – +91 89101 13435