About Me
I’m based in Bangalore, though I grew up in South Goa and still think of it as where I’m from.
I write about the behavioural side of money. The gap between what people know they should do and what they actually do when it matters: when the market drops, when the job turns toxic, when everyone around you is making money on something you don’t own., when the corpus looks right on paper and wrong in the body.
That gap is where most plans fail, and very few people write about it honestly, because there is nothing to sell there.
My background is twenty years across corporate finance and IT spread across Corporate Accounting & Compliance, Treasury, ERP Implementations, Product Strategy , Financial Governance and Large-Scale Digital Programs.
I have been a DIY investor for a long time, and I learned most of it the hard way.
I now write regularly as a guest contributor at Freefincal, on retirement, risk profiling, money behaviour, the risks we don't plan for and the psychology of managing your own money.
I also run small-group workshops and corporate financial literacy sessions. These are educational. I teach the arithmetic and the frameworks so you can apply them to your own situation, and I don't recommend products. You can reach out to me at https://topmate.io/sneha_rege/
Money, Unspoken
My newsletter goes out every two weeks. No product pitches, no affiliate links, no urgency. One idea at a time, worked through properly.
If you would rather think about this than be sold to, subscribe here.
Certifications & Education
NISM Series X-A, Investment Adviser Level 1 — cleared 2025
NISM Series XVII, Retirement Adviser — cleared July 2026
NISM Series X-B, Investment Adviser Level 2 — Planned in December 2026
Executive Management PGP, IIM Nagpur, 2023
Executive CS (ICSI) 2012
Commerce Graduate, Goa University, 2007
To be plain about where I stand today: NISM certification is not SEBI registration. I hold the certifications. I am not yet registered. Until that changes, everything I offer is educational.
Three numbers worth knowing
Earlier this year, I wrote about three numbers every working professional should know. Not a corpus target borrowed from YouTube or a rule of thumb, but numbers built around your own life.
Most people carry one retirement number in their head, and it's usually either far too high or far too low. I found it more useful to work out three.
Survival is what you need to keep the lights on if everything else goes wrong.
Comfort is what you need to live the way you live now, without cutting back.
Freedom is what you need before the question stops occupying your mind.
They're usually much further apart than people expect, and knowing which one you've actually reached changes how you think about your options.
The calculator is a spreadsheet. It's free. Put your own figures in and it will tell you where you stand.
You'll also get my newsletter, and you can leave whenever you want.
The Retirement Stress Test
Most retirement calculators give you one number. Enter your expenses, pick a return, and out comes a figure that looks certain and usually is not. It assumes markets behave the same way every year for thirty years, and it assumes you will keep spending the same amount no matter what happens to them.
This one runs a thousand possible retirements against your numbers instead, and answers three questions rather than one. How much you need. How often the money lasts. And how much of your planned life it actually pays for, because a corpus can survive by cutting your spending to the bone and calling that success.
Free. Needs Excel on a computer.
sneharege.com
Sneha Rege writes about money, behaviour, and the decisions in between.
For Indian salaried professionals who are building a financial life without a manual.
for COLLABORATIONS AND consultations.
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contact@sneharege.com
+917083952477
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