In personal finance, we often worry about losing money in the stock market, dislike the volatility associated with equities or mutual funds, or feel anxious about missing out on a hot investment tip. Yet the biggest threat to our wealth is far quieter and far more dangerous: loss of buying power. It is the invisible erosion of your money caused by inflation - a force that operates every single day, without pause, without headlines, and often without being noticed until it is

The rupee is sinking to historic lows not because its economy is weak, but because global capital, trade politics and investor nerves are testing the limits of confidence. The Indian rupee is hovering at territory once considered unthinkable. With the dollar brushing past Rs. 90, the freefall has now become psychological. Only a few months ago, when the currency slipped to Rs. 85, it was already Asia’s worst performer. Now the slide has steepened further. And yet, India is st

AI Generated Image There is a silent struggle unfolding in boardrooms, networking events, and leadership circles across the country — a struggle rarely spoken about, yet deeply felt by business owners who have already achieved substantial success. Many founders who have built companies worth tens or hundreds of crores find themselves facing an unexpected hurdle: despite their competence and experience, they are unable to scale to the next level. Their operations run smoothly,

Contrary to popular belief, everyone can invest, no matter how small the starting amount. AI generated image Many young Indians believe investing is only for high earners, but that isn’t true. Anyone can begin with even a small amount. Investing simply means helping your money grow over time, and starting early gives it more time to multiply. This article explains investing in simple language so every young person can understand it. 1. What Is Investment? Investment means put

In many Indian households, money lies idle in savings accounts. It feels safe to see a good balance, but interest rates are low - about 2.5–3% a year. After tax and inflation, the real value of money falls. What seems secure today may not be enough tomorrow. Keeping too much in savings make the future goals harder to achieve. Across scheduled commercial banks, savings balances run into tens of lakh crore rupees, reflecting a deep habit of leaving cash where it works the least

When a founder’s speed becomes the team’s anxiety Some workdays don’t derail because of workload. They derail because of pace. At The Workshop … the same growing design firm readers will remember from earlier chapters … the day didn’t start with tasks or priorities. It started with Rohit’s walk. By 9:10 a.m., the team already knew what kind of day it would be. Not from the sprint board. Not from Slack. Just from the way Rohit entered the room with fast steps, tight voice, eye

Buying a house is one of the biggest financial decisions in a person’s life. It is emotional, aspirational, and deeply personal. But it must also be financially sensible. A home is not something you buy on impulse or because everyone else is doing it. It is a long-term commitment that affects your lifestyle, liquidity, and future goals. So how do you decide when the time is right? The first question to ask yourself is simple: Am I going to live in this city for the long term?

Some people step too close without realising it. Others recoil the moment we enter their personal space. In boardrooms, cafeterias, client meetings or even casual workplace conversations, the invisible boundary between comfort and discomfort is crossed more often than we admit. And every time it happens, something subtle but significant shifts. A colleague feels disrespected. A client feels pushed. A partner silently withdraws. Space may be unseen, but its consequences are ve

Despite driving nearly 30 per cent of India’s GDP, many MSMEs still struggle with the basics of workforce management. Micro, Small and Medium Enterprises (MSMEs) are the backbone of the Indian economy, contributing nearly 30 per cent to the GDP and employing over 110 million people across sectors. They remain the foundation of India’s industrial growth, supporting both local and export markets. Yet, despite their scale and significance, many MSMEs continue to struggle with ef

Used correctly, your credit card can be beneficial beyond purchasing power — it can be a tool to build financial strength and stability. A credit card can be your best financial friend or your worst enemy—it all depends on how you use it. For millions, it's a doorway to convenience, rewards, and building a strong financial future. But without smart habits, it can quickly lead to high-interest debt. This simple guide covers the power of plastic and the essential rules to keep

At The Workshop, nobody said it aloud. But everyone felt it. It wasn’t a policy. It wasn’t a memo. It was a pattern. The founder, Rohit, had a rhythm … a gravitational pull toward certain people. The ones he brainstormed with, called into client meetings, turned to for “quick feedback”. It didn’t look like favoritism. But it didn’t feel like meritocracy either. And that’s where the distortion begins … not in what leaders intend, but in what teams observe. Two months after the

Peter Lynch, one of the greatest fund managers in history, gave investors a timeless reminder: “Behind every stock is a company. Find out what it’s doing.” This simple line captures the entire philosophy of sensible investing. Today, when stock prices change every second and social media glorifies quick trading profits, many investors forget the basic truth that a stock is not just a ticker symbol on a screen. It is a real business. When you buy a share, you are buying a slic

A strong personal brand isn’t optional — it’s the foundation of modern professional success. Walk into any modern workspace and you’ll witness a striking contrast between two worlds that are supposed to be working toward the same goals. On one side sit business owners and senior leaders who spent years climbing, learning, failing, rebuilding, and developing their professional identity through experience. On the other side stand young professionals who speak with extraordinary

Loans are easy to get today; the real skill is knowing when not to borrow. In today’s fast-paced financial world, loans have become an integral part of life. From education to housing and from business growth to personal needs, borrowing is more common than ever. But while loans can be useful, not all have the same impact. Some help you grow financially, while others trap you in long-term debt and stress. Understanding the difference between a good loan and a bad loan is esse

When leaders speak in vision and teams hear instructions Some breakdowns inside companies don’t begin with conflict. They begin with applause. Last week at The Workshop, the same mid-sized design firm many readers will remember from The People Paradox, the team gathered for an “important town hall.” Rohit, their founder, walked up to the small stage near the pantry and delivered what he believed was a clear, energising strategic update. He spoke about “sharpening the mission,

As wedding season returns, many of us attend functions and realise how expensive a modern wedding has become. A wedding is not only an emotional milestone but also a major financial milestone for any family. If you have children or plan to have children, preparing for their future wedding expenses should be treated as an important financial goal. Among the major financial goals that families typically plan for, such as buying a home, purchasing a car, taking vacations, fundin

There comes a time in life when the same people who once adapted effortlessly start to resist change. As people grow older, they begin to live by their own rhythms — the music of habits, experiences, and beliefs that have shaped them over the years. They’ve seen the world, weathered storms, made sacrifices, and learned their lessons. Naturally, they believe they’ve earned the right to live life their way. But what happens when this “my way” approach collides with a younger ge

The first of a two-part series examines how India’s federal fiscal structure strained by populist spending and uneven GST revenues threatens to upend the nation’s pursuit of long-term economic stability. The Indian economy has lately taken some curious turns. The sting of tariff disruptions still lingers, but the festive season’s buoyancy and the continuing benefits of the Goods and Services Tax (GST) reforms have revived momentum. Exports have been dented by American tariffs

Financial freedom isn’t about being rich; it’s about feeling secure and in control. Young people today view work and money differently from earlier generations. Once, success meant a secure job, steady pay, and a safe retirement. Now, many seek control over their money and time, free from jobs or lives they don’t enjoy — that’s financial freedom. It’s about creating a life of choice — a modern dream. 1. What is Financial Freedom? Financial freedom means having enough money no

The real test of leadership isn’t how long you carry people. It’s how well they move when you finally put them down Some leaders don’t burn out from pressure. They burn out from carrying what no one else will name. Rohit didn’t collapse. He just… paused. It was 11:42 PM on a Thursday.The monthly review deck blinked blank. Slack was quiet. And yet, he sat there stuck. Not from indecision. But from invisible weight.   The culture he had built of warm, proud, “like a family” now