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financial planning

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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
Person holding a credit card and a phone showing monthly EMI payment, with coins on a table and a piggy bank symbol representing debt and savings loss.
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Why EMIs Feel Affordable but Secretly Kill Your Savings

The EMI message always sounds reassuring. “Just ₹7,999 per month.”“Less than what you spend on coffee.”“Easily manageable with your salary.” You look at your bank balance, do some quick math,…
Posted by Akash Shibu January 7, 2026
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  • Why Financial Planning Often Fail in Real Life
  • The Hidden Cost of Small Financial Decisions

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