Smart Finance, Simple Life

  Yaad hai school ke din jab math teacher board pe likhti thi Find X Aur hum sochte the Madam pehle yeh batao X gaya kahan tha Humne saalon tak algebra trigonometry aur calculus padhi. Lekin kisi ne yeh nahi sikhaya ki salary milne ke baad uska kya karna hai. Kisi ne nahi bataya ki credit card ka bill delay hone par kya hota hai ya EMI ka stress kaisa lagta hai. Hum numbers samajh gaye par paisa nahi. Mujhe yaad hai meri pehli salary ka din. Account me paisa aaya aur excitement alag level ki thi. Do hafte ke andar sab khatam. Rent gaya, khaana gaya, chhoti chhoti cheezein sab milke balance zero. Tab samjha mujhe algebra aata hai par finance nahi. Algebra numbers sikhata hai finance zindagi sikhata hai School me hum angles nikalte the life me balance nikalte hain. Algebra batata hai X kya hai finance batata hai value kya hai. Hum formula yaad karte the a square plus b square par koi nahi batata tha formula for financial peace. Pythagoras theorem yaad rakhne se zyada zarurat thi...

  Introduction Indian workplaces aaj ek interesting phase se guzar rahe hain. Companies rebranding kar rahi hain. Roles naye ban rahe hain. Job titles pehle se zyada shiny ho chuke hain. Senior, Lead, Associate Director, Growth Manager, title jitna lamba utna impressive. Social media par announcement hoti hai aur likes comments engagement turant upar jaata hai. Lekin behind the scenes ek reality quietly build ho rahi hai. Job titles visually appealing hain, but financial independence hi actual power deta hai. Yeh difference clarity se tab dikhai deta hai jab salary settle ho jaati hai aur mahine ke bills start hote hain. Fancy title ek illusion jaisa hota hai. Dekhne me attractive, par load real. Ek designation tumhari profile ko elevate kar sakta hai, par tumhari financial life ko guarantee nahi deta. Kaam badh sakta hai, pressure spike ho sakta hai, par compensation utna stick nahi karta. Kai log ek title ke liye job switch karte hain, par do mahine baad unhe samajh aata hai ki ...

  Chalo seedhi baat karte hain. Har koi chahta hai ki uska paisa safe bhi rahe aur thoda badhe bhi. Lekin jab options saamne aate hain na, to confusion ho jaata hai. Bank me rakhein ya mutual fund me invest karein. Dono ke apne supporters hain. Bank wale kehte hain safe hai bhai. Mutual fund wale bolte hain growth milegi. Aur beech me hum log phas jaate hain, soch me. Bank me paisa rakhne ka sukoon Bank me paisa rakhna sabse aasaan kaam lagta hai. Salary aayi, account me gayi, thoda save kiya aur jab zarurat ho to nikaal liya. Koi stress nahi. Har ghar me ek line fix hoti hai, FD karwa do beta paisa secure rahega. Aur honestly, short term ke liye ye soch galat bhi nahi hai. Saving account me 3 se 4 percent ka interest milta hai. FD me milta hai 6 ya kabhi kabhi 7 percent. Theek lagta hai, lekin ek chhoti si baat log ignore kar dete hain. Inflation. Maan lo inflation 6 percent hai aur tumhara FD bhi 6 percent return de raha hai. Matlab real me tumhara paisa badh hi nahi raha. Bas nu...