shirshkyal

This is what insurance is.

Don’t wait for a wake up call to get health insurance.

Because most people lying in hospitals today thought the exact same thing — nothing will happen to me.

For FREE CONSULTATION (Insurance) - Link in my Bio

Baaki aapko to pata hi hai -

Love is subject to market risks,please read the person carefully before proceeding.

Most couples plan the nursery before they plan the money.

Nobody tells you that a child costs ₹50–80 lakhs by the time they’re 18 — and that’s without international school or coaching.

Here’s what you actually need to sort before the baby arrives:

→ Emergency fund of 6–12 months expenses. Liquid. Not FD, not equity.

→ Term insurance at 15–20× your income.

→ Education SIP starting at ₹16–20k/month. Delay it by 3 years and it becomes ₹30k/month. Same goal, more pressure.

The baby doesn’t care if your portfolio is ready. Your future self will.

Parenthood doesn’t need wealth. It needs structure.

If you want to sit down and actually map this out — what you need, what’s missing, what to start first — DM me “kid” and let’s build your money plan.

I really thought understanding money would come naturally to me.

After all, I founded Moneypliers.
I was advising clients. Building portfolios. Creating financial plans.
But my own money? I got it completely wrong.

Here are the 5 money mistakes I made while building a financial advisory business:

**MISTAKE 1: Knowledge ≠ Action**
I knew the theory. Taught it to clients. But didn’t apply it to myself. Money is 80% behaviour, 20% knowledge. Knowing what to do and actually doing it are two different skills.

**MISTAKE 2: Clients first, me later**
I helped clients invest while my own SIPs waited. “Once business grows, I’ll focus on mine.” That cost me years of compounding. Rs 1000/month at 22 = Rs 15L+ by 45. Time matters more than amount.

**MISTAKE 3: More income = More savings**
Wrong. More income = More spending without a system. I didn’t set up systems first. Lifestyle inflated automatically. The income number didn’t matter as much as I thought.

**MISTAKE 4: FD = Safe, Equity = Risky**
I grew up seeing this. FD meant smart. But feeling safe and actually growing wealth are two different things. Diversification is non-negotiable. Equity for growth. Debt for stability. Gold for protection.

**MISTAKE 5: Business first, health later**
June 2025 - April 2026: Stopped yoga for content. Dayara Bugyal trek showed me the cost. You can build all the wealth you want. But if your body can’t enjoy it, what’s the point?

**THE TRUTH:**
I teach finance.
But I’m still learning money.

Because knowing and doing are not the same.

Tag someone who needs to see this.
Comment “MONEY” if you’ve made these mistakes too.

WealthCreation LifestyleInflation HealthAndWealth