Learn
Guides to budgeting, saving, investing and careers in India — with every formula printed and every assumption stated, so you can check the numbers yourself.
Money
How budgeting, saving, investing, debt, tax and retirement actually work in India — with the arithmetic shown, not asserted.
- Budgeting — How to build a budget that holds up in an Indian city: the 50/30/20 frame, why it breaks on metro rent, and what to do about the categories that overshoot.
- Saving — How large an emergency fund should be in India, where to keep it so it stays available, and how to reach a savings target without guessing at the instalment.
- Investing — How SIPs, asset allocation and risk actually work, with the formulas shown. Education-first investing guides for India — never a recommendation to buy anything.
- Tax — How income tax actually reaches your bank account in India: the two regimes, what each deduction is worth, and how investment gains are taxed differently.
- Debt — Which debt to clear first and why, what a revolving credit card balance really costs per month, and when clearing a balance beats any investment.
- Loans — The EMI formula every loan calculator runs, what tenure does to total interest, and how to decide between prepaying a loan and investing the same rupee.
- Credit scores — What a credit score is built from in India, which habits move it and how quickly, and how to find and correct an error on your own credit report.
- Insurance — How much term cover a household actually needs, how health cover works in India, and which policies are protection rather than investment in disguise.
- Retirement — How large a retirement corpus needs to be, what a sustainable withdrawal rate looks like in India, and why the target moves every year with inflation.
- EPF & NPS — How EPF and NPS work, what each keeps after tax, and how India’s retirement accounts compare with an Australian-style superannuation system.
- Inflation — What inflation does to a savings balance, how to convert a nominal return into a real one, and why a goal set in today’s money is systematically under-funded.
- Behavioural finance — The behaviour that decides most financial outcomes: selling at the bottom, lifestyle creep, and the biases that make both feel entirely reasonable at the time.
- Cash flow — Why a solvent household still runs out of money mid-month, how to close the timing gap for good, and how to spread annual bills across twelve months.
- Net worth — What counts as an asset, what counts as a liability, how to calculate net worth without flattering it, and what a reasonable trajectory looks like by decade.
- Financial independence — What financial independence actually requires: the arithmetic behind an FI number, what each savings rate implies for the timeline, and what Coast FI changes.
Careers
Resumes that survive an ATS, interviews you can prepare for, and a job search run as a process rather than a scroll.
- Resume — How to structure a resume a human will actually read, how to turn a list of responsibilities into evidence, and what length suits your years of experience.
- ATS — What an applicant tracking system does and does not do, which formatting choices genuinely break parsing, and how to test your own resume against one.
- Cover letters — A four-paragraph structure that works, how to find the one specific thing worth saying about an employer, and when a cover letter changes nothing at all.
- Interview preparation — How to prepare for interviews as a repeatable process: the evidence bank, the company research that actually matters, and the questions worth asking back.
- Behavioural interviews — How behavioural interviews are actually scored, how to build STAR answers that survive follow-up questions, and what a competency framework is looking for.
- Technical interviews — What technical interviews test in finance and risk roles, how modelling and case tests are marked, and how to prepare without memorising trivia lists.
- Graduate programs — How graduate hiring cycles work, what each application stage is really filtering for, and how to run a campaign across several employers without burning out.
- Banking careers — What each division of a bank actually does, which roles are realistic entry points, and how a banking career progresses over its first ten years.
- Risk & compliance — How risk and compliance functions are organised, what credit, market and operational risk analysts actually do, and what the career ladder looks like.
- AML & financial crime — What an AML analyst does day to day, how transaction monitoring and KYC teams are structured, and which certifications employers genuinely ask for.
- Consulting careers — How consulting firms are structured, what the analyst-to-partner ladder actually involves, and how to prepare for a case interview from a standing start.
- Networking — How to run an informational interview that leads somewhere, what to say when you have no contacts at all, and why referrals outperform cold applications.
- LinkedIn — How recruiters really search LinkedIn, which profile fields carry weight in that search, and how to write outreach a stranger will answer.
- Assessment centres — What happens in an assessment centre, how each exercise is scored separately, and how to handle a group exercise without dominating it or disappearing.
- Salary negotiation — How to negotiate an offer without putting it at risk, how salary bands are actually set, and how to compare two packages that are not directly comparable.
- International students — How to run a job search on a study visa, when employers actually ask about sponsorship, and how to answer a visa question without losing the room.