Money Vichara

We love to think that managing money is about numbers — budgets, percentages, returns. But in real life, money decisions are rarely made on spreadsheets. They are made at tea stalls, dining tables, late-night phone calls, and during quiet moments of fear or pride. They are shaped not by calculators, but by emotion, family expectations, FOMO, ego, and hope. Meet Baabu — 45, quiet thinker, sips chai like it’s a ritual, carries a French beard and an even simpler life. He’s smart. He’s not naive. He reads the news, listens to advice, and watches YouTube videos on finance. But like most of us, Baabu’s relationship with money isn’t logical — it’s emotional. And that's why, despite being “smart,” he has walked into some very familiar financial potholes. Not because he lacked knowledge, but because he’s human. Why Smart People Do Dumb Things With Money  Here are five moments from Baabu’s life that show just that — not ignorance, but emotion clouding judgment. And maybe, just maybe, ...

The FIRE That Started It All For many years, the idea of FIRE — Financial Independence, Retire Early — has inspired people across the globe. The thought of leaving behind the routine of daily work and achieving complete freedom sounded like a dream come true. People imagined retiring in their thirties or forties, traveling the world, relaxing at home, and living a life without pressure or deadlines. It was all about saving smart, investing wisely, and exiting the workforce as early as possible. But for many who reached that goal, there came a surprising realization. After the excitement faded, they began to feel a strange sense of emptiness. With no meetings to attend and no tasks to complete, life felt a little too quiet. Some even described it as directionless. They had all the time they once wished for, but not enough meaning or purpose in their days. This is where the FIRE dream started to flicker. So, what happens after financial freedom? What happens when the journey of escapi...

Smart Money Habits to Build & Mistakes to Avoid When it comes to managing money, there’s no shortage of advice — but what truly matters are the habits you build and the mistakes you avoid. Whether you're just starting your financial journey or looking to refine your strategy, mastering the A to Z of personal finance can help you take control of your money, reduce stress, and build lasting wealth. The key lies not just in learning what to do, but also in knowing what to steer clear of. This guide is designed as your personal finance alphabet — 26 powerful actions to adopt and 26 common mistakes to avoid. From setting goals and investing wisely to dodging debt traps and resisting emotional spending, each pair is curated to help you think deeply about your financial choices. It's a blend of timeless principles and modern money wisdom, written in a way that's easy to understand and act on. Money isn't just about numbers — it’s about mindset. The choices you make daily...