Money Management India
@RupeeDecoded
“Decoding money for Indians.” Credit • Debt • Saving • Spending • Systems No hype. No tips. Just clarity.
I decode money for Indians. Here you’ll find simple explanations of: • Credit cards & rewards • Loans, EMIs & debt traps • Saving, spending & money psychology • How financial systems really work No hype. No stock tips. Just clarity.
Steps to get rich in 2026 : Already have ₹1+ crore in 2025.
Everyone loves “Start SIP early” stories. Nobody talks about this: • Income matters more than start date • Consistency beats timing • Upskilling > compounding in your 20s SIP is powerful. But earning more is the real accelerator.
Starting a SIP at 21 with ₹3,000 vs at 28 with ₹25,000 guess who wins? Compounding helps. Cash flow decides. Finance Twitter romanticizes timelines, not reality.
Most Indians think SIPs build wealth. SIPs only work after your income crosses a certain level. Below that, they just create the illusion of progress while inflation and lifestyle quietly win.
“Unpopular opinion: Food safety violations aren’t limited to street vendors. Large hotel chains have been fined and exposed multiple times too. Then why do reminders and crackdowns mostly target small vendors trying to survive? Food safety should be enforced equally - not…
I can’t find a single reason to eat food at this place. - No hygiene - No gloves - No cleanliness Just look at the area around the food cart. Would you cook for your own family like this? Then why is it acceptable for the public? Food goes straight into the body. One bad meal…
Finance Twitter loves the “two people, two outcomes” story. Same SIP. Same salary. Different start dates. It’s a clean story. That’s why it goes viral. Real money isn’t clean. It’s messy, emotional, interrupted. The biggest variable ? Not when you start , but whether you…
The stock market is a defence. Real wealth is built in businesses, skills, and ownership. One protects capital. The other creates it.
The Fixed Cost Trap is why people with decent income still feel broke. It’s not low income. It’s high commitment.
Because time horizon is long. But emotions are short.
Equity is never for the short term. It's a long term game. If you have started a SIP, it should be with a 10+ year horizon. So why are investors still worried?
Most people overestimate how much they can earn. They underestimate how hard it is to control spending.
Volatility doesn’t destroy wealth. Inconsistent behaviour does.
Most people don’t lose money because they make bad investments. They lose it because they commit too early and upgrade too often.
India being a price sensitive market , quite difficult to do so. Drinks in European region was far superior than what we have in India.
Quality of products in India is poorer compared to the US, Europe and even China. Saw it again today with Fanta. Why can't brands offer the same quality in India?
People don’t feel “EMI” is an actual debt. EMIs don’t make things affordable. They make things feel affordable.
New Year, Higher Taxes! Govt slaps new excise duty on cigarettes (₹2,050-₹8,500 per 1,000 sticks from Feb 1). ITC Down by ~4-6% to ~₹385 Godfrey Phillips down by 8%. Smoking just got costlier – good for health, bad for portfolios?
Stock market is the only place where you can have a ₹10Cr portfolio today and have ₹5Cr in the bank tomorrow. Good luck getting that back in stock market.
Stock market is the only place where you can have a ₹10Cr portfolio today and have ₹10Cr in the bank tomorrow. Good luck doing that in Real Estate.
Key Point : “Don't get emotionally attached to the stocks you own. They are not going to reciprocate your love.”
Last year, I wrote many times about this. Just want to remind you at the beginning of 2026. I no longer share my stock portfolio in public domain. I don't own a single stock today which I was owning on January 1st 2025. My stock picking philosophy got throughly changed. Entry…
Take care of these basic points to avoid any issues in Income tax filing and return and notice free life post Filing . 1. Cash deposit in Savings A/c – ₹10 lakh or More 2. Cash deposit in Current A/c – ₹50 lakh or More 3. Credit Card Bill (cash pay) – ₹1 lakh or More 4.…
United States Trends
- 1. Notre Dame N/A
- 2. Philip Rivers N/A
- 3. Lobo N/A
- 4. Ryan Wedding N/A
- 5. benson boone N/A
- 6. #FursuitFriday N/A
- 7. March for Life N/A
- 8. #TALON N/A
- 9. Blades Brown N/A
- 10. Cameron Smotherman N/A
- 11. #RepublicanHealthcareDisaster N/A
- 12. #Supergirl N/A
- 13. Bricillo N/A
- 14. Marc Anthony N/A
- 15. Jason Momoa N/A
- 16. Deion N/A
- 17. Jeff Saturday N/A
- 18. #GMMTVFANDAY29 N/A
- 19. AMERICAN GIRLS N/A
- 20. Afghanistan N/A
Something went wrong.
Something went wrong.