Retirement Spending Does Fall. In India It Still Goes Up.
Research says retirees slow down and spend less. Apply the full slowdown to an Indian budget and the month still costs a third more…
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Planning
Leaving a Job Without Another One: What It Costs to Fund
Everyone tells you to have an emergency fund. That is the wrong pool, and the thing with a real deadline is the cover that…
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Your Child’s Masters Abroad, or Your Retirement
Everyone asks whether you can afford it. The better question is who carries the risk, and how many earning years they have left if…
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The Ten Years Before Retirement: What Is Actually Available at Fifty
You will be told to go heavy on safe products and pointed at two government schemes. One closed in 2023. The other you are…
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The Three Buckets: Drawing an Income Without Selling in a Crash
Same returns, same average, same spending. One retirement ends with ₹7.57 crore and one runs out of money, purely because of when the bad…
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The NPS Annuity: What You Are Actually Buying
At sixty, 20% of your NPS savings buys a monthly income for life. It is a permanent choice between five options, made on a…
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Saving Half Your Take Home Pay, Without Living Like a Miser
The 20% rule was written for someone who is struggling to save anything. If you earn well, half is not a stretch target, and…
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The Price You Planned For Is Not the Price You Will Pay
A home cooked thali costs ₹28.40 today. At the rate it has been rising, the same plate costs about ₹75 in twenty years. Every…
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Is Your Whole Salary Going Towards EMIs? Here’s How to Regain Control
Your salary arrives, the EMIs take it, and by mid month there is nothing left. Three practical steps to stop the debt growing and…
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Not Just Saving: What This Site Is For
Saving stops a bad month becoming a bad year. Building changes where you end up. What this site believes about money, and how it…
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