Financial Literacy
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My Biggest Client Just Fired Me — Because I Don’t Have a Successor
Ramesh Uncle built his business from a single-room godown to a company that today serves clients across three states. Two daughters — both married into good families, both capable, neither trained to run the business. His partner’s two sons — settled abroad, building careers of their own, no plans to return. The business itself? Growing.… Continue reading
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A Will Can Prevent the Fight You’ll Never See.
He thought his family would know what to do. When he passed away, the family had the assets—but not clarity. Who gets what?Who decides?What would he have wanted? A Will could have answered those questions while he was still here. A Will is not about death. It is about making your wishes clear while you… Continue reading
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Family Business: The Three Documents You’re Missing
Sharma Uncle had a ₹10 crore business. A proper will. Updated bank accounts with nominees. But no Family Constitution. No business succession plan. When he died: Three years in court over ₹2 crores in business assets. All because he had 1 out of 3 critical documents. The Three Documents Every Family Needs: Document 1: FAMILY… Continue reading
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When Financial Illiteracy Destroys Your Family Business
Mehta Uncle built a ₹10 crore business over 30 years. Strong operations. Loyal customers. Growing revenue. His son takes over. Within 3 years, the business is ₹6 crore. Why? Because the son never learned financial literacy. The Pattern I See Constantly: Business Owner (Father): Knows production, clients, operations Never taught son: P&L reading, cash flow… 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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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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The Ultimate Awakening for Family Business Succession Planning
Most founders I meet are not worried about the business.They are worried about what will happen to it and to their family after they are gone. But somewhere deeper, there is another question they rarely say out loud.Did I build a business, or did the business build a cage? This video is for every founder… Continue reading
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Who will handle after you?
It started with a simple question.“Do you know where all the investments are?” The room went quiet.Not because there was no money.There was enough: savings, insurance, mutual funds, a house, and a few fixed deposits.But because only one person had ever really known everything.And he wasn’t there anymore. Until that moment, life had felt secure.Bills… Continue reading
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Why SME IPOs Are Not Really for SMEs?
Every SME founder today is hearing the same advice:“List your company. Unlock value. Raise money.”Sounds attractive.Feels like progress. But pause and ask:Are you building a business… or preparing for the market? Because once you go for an SME IPO:-Your focus shifts from customers to compliance-From long-term decisions to quarterly optics-From building quietly to performing publicly… Continue reading
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