Financial Literacy
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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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Why Succession Planning in India Doesn’t Start, It Gets Triggered?
In most Indian MSME families, it doesn’t begin. It gets triggered. The founder had just recovered from a mild heart attack. Nothing catastrophic, the doctors said. But something had shifted at home. Conversations that were never needed earlier suddenly became urgent.Who will take over?Who will handle finances?What happens if something changes again? Until that moment,… Continue reading
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Why Must a Founder Be Able to Understand the Balance Sheet?
When reviewing a balance sheet for a recent acquisition, I saw a “garden” that looked perfect at first glance. Profits were blooming, but cash flow had withered to just 10% of the previous year. That’s not a rounding error; that’s a distress signal. Many founders look at a balance sheet like a school report card:… Continue reading
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A Business Success Book Every Indian Entrepreneur Shouldn’t Miss
I am happy to announce that my third book is getting published during the pandemic. After publishing Balancing is the Work in Oct 2020, a significant book, Indian Women & Financial Fitness, was published on International Women’s Day 2021. & now Indian Startups, SMEs, & Financial Literacy. Financial Literacy is a very important literacy, but ironically is not given the… Continue reading
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Money Basics Middle Class Needs to Master for a Good Life
Upper classes are a nation’s past; the middle class is its future. Ayn Rand The irony is middle-class earners are busy earning money and aspiring to become rich. In the process, they just ignore the very process to enhance their financial wellbeing. We were not taught financial literacy in school. It takes a lot of work… Continue reading
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Nothing is Safe, How to Minimise the Risk?
“College graduates spent 16 years gaining skills that will help them command a higher salary; yet little or no time is spent helping them save, invest and grow their money.” Vince Shorb, CEO of the National Financial Educators Council Karvy is pledging customers’ shares, PMC bank joining hands with the fraudulent borrower, DHFL lending recklessly to builders. Many… Continue reading
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Know Why Financial illiteracy Could be Extremely Dangerous
Financial Literacy is very important literacy but ironically is not given the importance it deserves in our education system. “One of the reasons the rich get richer, the poor get poorer and the middle-class struggles in debt is because the subject of money is taught at home, not at school.” Robert Kiyosaki, Educational Entrepreneur. According to Organization… Continue reading
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