Category: Finance & Investing
Prakash Ranjan Singh on personal finance, investing, loans and the psychology of money, from debt traps and credit cards to long-term wealth and banking.
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When Bank Employees Strike but Banking Does Not Stop
The New Psychology of Bank Unions, Government, NPCI, Digital Banking and the Rise of Private Banks There was a time when a bank strike meant a banking strike.…
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UPI Enters Its Next Phase: Will MDR Create a New Digital Financial Economy?
The return of Merchant Discount Rate may not take India back to cash—it may instead create a new commercial ecosystem around digital money. For six years, India became…
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Why Buffett, Kiyosaki and other wealth-building philosophies cannot be applied blindly to ordinary people across the world
The Investment Gurus Are Not Your Financial GPS There is a strange phenomenon in modern personal finance. A successful investor writes a book, gives interviews, develops a philosophy,…
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India’s Private Banking Revolution: When the Customer Became the Product
How competition, technology, easy credit and psychological marketing transformed the Indian banking customer. There was a time when an Indian went to the bank because he needed the…
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UPI: From an Indian Payment Revolution to a Possible New Financial Order
How India’s home-grown payment architecture changed the psychology of money—and may eventually change the geography of global finance. There was a time when sending ₹500 to another person…
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The Hidden Cost of Living: How Psychological Management Can Change It
Why Our Lifestyle Is Becoming More Expensive Than Our Needs—and How Psychological Management Can Change It Most households never calculate their financial freedom gap — the space between…
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The Salary Investor’s Dilemma: How to Grow Wealth Without Gambling With Your Future
A salary gives us financial stability—but it can also create a dangerous illusion: “I have a regular income, so I can afford to take more risk.” This mindset…
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From 15% Returns to Financial Freedom: How the Psychology of Early Retirement Has Changed
Why the retirement strategy that worked in 1995 may not work in 2026 Key Takeaways Early retirement planning today looks nothing like it did when I started my…
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When Big Loans Become Small Settlements: The Psychology, Loopholes and Cost of Corporate Credit
A banking system does not fail when a borrower faces genuine business failure. It fails when a loan that should have been prevented from becoming a bad loan…
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The One Psychological Change That Can Transform Your Financial Fortune
A financial freedom mindset begins with one small pause before spending — the moment you stop asking “Can I afford this today?” and start asking what it costs…
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Gold: The Metal That Captured Human Civilization — A Scientific, Psychological and Social Journey
For thousands of years, human beings have searched the earth for food, shelter, security, power and beauty. Yet among the countless materials discovered by civilization, few have occupied…
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The Credit Card Trap: How a Small Piece of Plastic Is Quietly Rewiring Our Psychology
A credit card is not a friend or an enemy – it’s an amplifier, and it can make you feel richer than you really are, right up until…