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.
-
The Forgotten Investment That Bought Financial Freedom – A Real Life Story
This long term investment story shows that the biggest investing edge isn’t a smarter strategy—it’s simply being unable to sell easily, which is exactly how one ordinary ESOP…
-
Warren Buffett: The Psychology of Wealth
Warren Buffett’s decades of investing success reveal a wealth psychology built less on stock-picking genius and more on temperament—patience, discipline and trust matter more than raw intelligence when…
-
Rich Dad Poor Dad: The Lessons the New Generation Must Learn Before Money Teaches Them the Hard Way
The real value of the Rich Dad Poor Dad lessons isn’t a get-rich formula — it’s a challenge to rethink how we relate to money, work, education and…
-
Loan Against Property: The Hidden Risk Behind the Collateral
When property becomes the security for a loan, the risk does not disappear—it simply changes its form. Key Takeaways Loan Against Property (LAP) has emerged as an important…
-
Gold Loan: When the Family’s Last Resort Becomes a Debt Trap
Gold loans have quietly shifted from an emergency-only last resort to a routine source of everyday credit for many Indian families — and that shift carries a real…
-
Is Banking System Really Playing With Public Money?
Banks are shifting from being cautious lenders focused on productive credit to aggressive sellers chasing loan-disbursement targets—raising the real question of whether banks are playing with public money.…
-
“Ego is a bigger threat to modern marriages than financial problems.”
Ego is a bigger threat to marriage than money will ever be — most marriages don’t collapse from a lack of love or money—they collapse because two people…
-
The Most Important Investment in Life Is Not Money—It Is Your Marriage
The most important investment you will ever make isn’t in your career or your portfolio—it’s in your marriage, because a peaceful home is what actually gives you the…
-
Positive Cash Flow: The Life Skill Gen Z Cannot Afford to Ignore
Positive cash flow—spending consistently less than you earn—is the one financial life skill schools never teach, and its absence is quietly turning a generation of high earners into…
-
⚠️ Controversial Opinion: We are not raising a “Digital Generation”… we may be raising a “Debt Generation.”
India’s youth today may be earning more than any generation before them, yet building less real wealth—easy digital credit has quietly turned them into a debt generation that…
-
Debt Trap: When Financial Crisis Becomes a Psychological Emergency
A debt trap isn’t just a financial problem — it’s a psychological one: borrowers who take a new loan to repay an old one enter a cycle where…
-
The Wealth Transferring from Ordinary Investors to Billionaires: Why Knowledge Matters More Than Capital
The stock market itself doesn’t transfer wealth from the poor to the rich — behavioral gaps do: retail investors tend to buy during FOMO-driven peaks and sell in…