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financial freedom

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Person calculating affordable monthly payments while reviewing hidden total loan costs on calculator
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The Illusion of Affordable Monthly Payments

The salesperson slides the paper across the desk. "Just ₹18,000 a month," they say with a smile. It sounds manageable. Doable, even. But six months later, you're wondering why your…
Posted by Akash Shibu February 13, 2026
Diagram showing why financial planning often fails in real life situations
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Why Financial Planning Often Fail in Real Life

You sit down with your budget spreadsheet, full of motivation. You've calculated every expense, set ambitious savings goals, planned for emergencies. It feels good, feels responsible, feels like progress. Then…
Posted by Akash Shibu February 6, 2026
Chart showing the hidden cost of small financial decisions compounding over time
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The Hidden Cost of Small Financial Decisions

You grab coffee on the way to work. You order lunch instead of packing it. You click "buy now" on a book you'll probably read someday. Each decision feels insignificant…
Posted by Akash Shibu February 4, 2026
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
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