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The Financial Literacy Gap: What Every Indian Is Missing
Priya earns ₹2 lakhs/month. Saves ₹30k monthly. At 45, she has ₹25 lakhs. Then: Job loss + medical emergency + daughter’s college fees. Her “savings” is gone in 10 months. She wasn’t taught financial literacy. She was taught to save blindly. The 7 Missing Elements: 1. Emergency FundNot ₹50k in savings account. Need 6 months… Continue reading
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Growth Is the Best Disguise for a Sick Zone
I was reading a book review in Mint last weekend. Titled Snowed Under, the book is about cancer. A memoir. The author has used two phrases that stopped me mid-sip. 1 – Sick zone. 2- Wellness zone. The author used them to describe the two states everyone lives between — the crisis of active illness… Continue reading
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Why Professionalising Matters
Meet Mr. Bholabhai Patel. Founder. A Visionary. And, according to his staff, the human Swiss Army knife of his business. He could negotiate a multi-crore contract at 10 AM, scold the office boy for extra sugar in his tea at 11, approve a ₹10,000 stationery bill at 12, and argue about restroom tiles with the… Continue reading
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Built Together. Lost Separately.
When Vijay Patel launched his small spice-trading business, he single-handedly managed everything from sourcing and packaging to sales and delivery. With limited staff and no formal processes, his business relied entirely on his personal network and expertise for survival. As the business expanded, Vijay’s two sons, Arjun and Rahul, joined the company, bringing fresh ideas… Continue reading
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Nobody Maps the Founder’s Journey.
Every business owner knows about the customer journey. Awareness. Consideration. Decision. Loyalty. Advocacy. We map it. We measure it. We obsess over every stage. We know exactly where a customer drops off. What makes them stay. What makes them leave. What brings them back. We have funnels for it. CRMs for it. Entire teams dedicated… Continue reading
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The Business Gave Him Everything. Now It Won’t Let Him Leave
When Vikram Shah, a successful entrepreneur in his mid-60s, sat down to review his business legacy, he was conflicted. He had founded a thriving tech company three decades ago that had grown into one of the industry’s leading players. His work ethic, vision, and leadership had brought him immense wealth and recognition, and his company… Continue reading
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Why Sell Your Business?
At a family gathering, 68-year-old Prakash Mehta proudly announced that his son had decided not to join the family business. The room fell silent. Some expressed sympathy. Others called it unfortunate. Prakash smiled. “I spent 40 years building this business,” he said. “Why should my son spend his life running a business he never wanted?”… Continue reading
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Startups get attention. Succession is where the action is.
While young India chases the next unicorn, there are 12 million family businesses quietly looking for someone to hand the baton to. Businesses with customers. Cash flows. Decades of trust built into every relationship. No pitch deck needed. No funding round. No burning cash for five years hoping for a break-even. Just a founder in… Continue reading
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Your Salary Grew. So Why Does It Still Feel Tight?
Arjun earns ₹2.2 lakh a month. He feels broke. Not because he spends badly. Because every time his salary grew — his life grew with it. Automatically. Silently. Completely. Economists call it hedonic adaptation. Arjun calls it normal. The problem is not the spending. The problem is the spending happens before the thinking does. Watch… Continue reading
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