Most professionals won't choose when they retire. Their circumstances will choose for them.
I write about money, behavior, and the stories we tell ourselves about both. Because the math of retirement is the easy part. The hard part is everything else.
Writing and finance aren't separate lanes for me. They're the same thing: turning complex, uncomfortable ideas into something you can actually act on.
I didn't plan to become a financial enthusiast. It started at a colleague's retirement party. She had worked 35 years. Saved. Invested. Lived modestly. And still couldn't bring herself to stop working. Not because she wanted to keep going. Because she didn't trust the number..
That question stuck. What does it take to actually trust your retirement?
So I went looking for the answer. Books, workshops, certifications from NISM in investment advisory and retirement planning. Eighteen years in tech product management taught me how to cut through complexity. I decided to use it here.
Here's what that means for you: I don't sell products. No commissions, no managed funds, no hidden agenda. My only incentive is that you leave better informed than you arrived.
Two things I write about
Money — the numbers, the behaviour, the blind spots that derail people who did everything right.
Stories — poetry, satire, and the kind of writing that makes you feel something before you can explain why.
They sound different. But they're asking the same question: what does it actually take to live well?
About Me
I am a Bangalore-based writer focused on one question: why do intelligent, earning, saving people still feel like it will not be enough?
Most personal finance writing in India is either a product pitch or a spreadsheet. What gets left out is the part that actually determines whether plans survive: how people behave when the market drops, when the job turns toxic, when the corpus looks right on paper but feels wrong in the body.
That is what I write about.
My background is in Finance and IT. My real interest is in the behavioural side of money decisions: the gap between what investors know they should do and what they actually do when it matters.
I write regularly on Freefincal. I am working towards SEBI RIA registration. The Risk Profiling Toolkit on this site is a self-assessment tool designed for Indian retail investors who want to understand their risk profile before meeting with an adviser.
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