The Plainspeak
Plain talk about money
Plain talk about money, from nineteen years inside a bank. First what I believe and why, then how to actually do it. Opinions, not definitions, and each one pairs with a calculator you can go and try. No download, no email wall.
What I believe
The opinions the tools are built on. Short, and pointed. Start here for the why.
How to do it
The practical guides. The same plain-English thinking, turned into steps you can follow.
The power of step-up SIPs
The 10% trick that nearly doubles your corpus, using the raise you already get.
Twenty-five years of the Nifty 50
No 10-year window from 2000 to 2025 lost money. Why horizon, not timing, does the work.
The 3% rule for Indian retirees
Why the American 4% rule can bankrupt an Indian retiree, and what to use instead.
3 questions before you sign a policy
They stop almost every mis-sale. Ask them out loud, in the room, before you sign.
The smart prepayment playbook
Should you prepay, and the moves that save the most. A 5-factor decision, not a slogan.
What's your money script?
The hidden beliefs running your money since childhood, and why more income rarely rewrites them.
The peace of mind planner
Everything your family would need, in one place: nominees, papers, and a free fill-in planner.
The loan health checkup
Twelve checks that tell you whether a loan is helping you or draining you.
How EPF really works
What actually reaches your PF each month, and the job-switch mistake that costs lakhs.
The super top-up
The cheap way to lift a thin 5 lakh health cover to 25 to 50 lakh of real protection.
How to read your credit report for free
Pull all four reports without the spam calls, and learn what actually moves your score.
Money left your account and you did not do it
Under RBI rules, what you owe turns almost entirely on how fast you report.
One free place for all your mutual funds
See every folio, transact, and fix your nominees, in a single official login.
5 books to become your own planner
The five money books that can replace a shelf of them, and what each is for.
Compare
The big choices, worked through with real numbers, with a plain answer and the cases where the other option wins.
Endowment or term plus investing?
One guaranteed plan worked through, and the four cases where it wins.
Prepay the home loan or invest?
The rate your investments have to beat, and who should do which.
PPF vs ELSS vs NPS
Which one, in which tax regime, and for which money.
FD or debt fund?
After the 2023 tax change, what still separates them.
Flat SIP or step-up SIP?
Where the step-up's lead really comes from, and when flat is better.