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finance

Finance focuses on managing money through saving, spending, investing, and protecting income to achieve long-term financial stability.

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Financial freedom for middle-class Indians - family planning budget
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What Financial Freedom Really Looks Like for Middle-Class Indians

The ₹45 Lakh Question That Changes Everything Priya earns ₹8 lakhs a year as a software engineer in Pune. Her Instagram feed shows influencers calling themselves "financially free" at 25…
Posted by Akash Shibu January 26, 2026
Graph showing mutual funds performance over time with ups and downs
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Mutual Funds Don’t Fail People — Expectations Do

The $50,000 Question Nobody Wants to Answer Rachel invested $10,000 in a mutual fund in January. By December, it was worth $11,200. She was furious. Her colleague Tom put the…
Posted by Akash Shibu January 23, 2026
Beginner investor overwhelmed by market charts, showing why many new investors lose money due to mindset and expectations.
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Why Most Beginners Lose Money Trying to Invest Smartly

The Paradox That Costs New Investors Thousands Here's the irony: Sarah spent three months researching stocks, reading investment newsletters, and watching finance YouTubers before making her first trade. Mike threw…
Posted by Akash Shibu January 21, 2026
Illustration showing a credit card with an excellent credit score trapped underwater by chains, symbolizing hidden truths and misunderstandings about credit scores.
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The Truth About Credit Scores Nobody Explains Clearly

You know that three-digit number that somehow decides whether you can buy a house, lease a car, or even get approved for a decent apartment? Yeah, that one. Let's talk…
Posted by Akash Shibu January 12, 2026
credit card habits that affect everyday spending decisions
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Credit Cards Aren’t Bad — But Most People Use Them Wrong

The first time you use a credit card, it feels empowering. You swipe.The payment goes through.No money leaves your account immediately. It feels smooth. Effortless. Almost invisible. That’s why credit…
Posted by Akash Shibu January 9, 2026

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