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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The Psychology of Financial Comfort: Building Stability at Every Stage of Life
The psychology of financial comfort has little to do with income size and everything to do with mindset: social media’s illusion of easy luxury pushes people toward loans…
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Social Media Is Rewiring Our Financial Psychology — At What Cost?
Social media isn’t just influencing what people buy anymore — it’s rewiring our financial psychology, changing how they think about money itself: viral “get rich before 30” content…
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The Psychology of the Losing Investor: Why Chasing Losses Often Creates Bigger Losses
The psychology of the losing investor costs more money than bad stocks ever do: loss aversion, the sunk cost fallacy, and anchoring to a purchase price trap people…
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The Mis-Selling of Dreams: How Aggressive Investment Selling Is Weakening Financial Security
This is the mis-selling of dreams: financial advice in India is increasingly replaced by financial selling, as commission-driven sales targets push banks and advisors to nudge loan borrowers,…
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Investment Psychology: Why Young Investors Must Choose Wisdom Over FOMO
Investment psychology explains why young investors are increasingly treating the stock market as a shortcut to instant riches instead of a long-term wealth-building tool: FOMO-driven social media hype,…
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India’s Forgotten Goldmine: Why Agriculture Must Become the Engine of Economic Growth
Agriculture economic growth is India’s forgotten goldmine: the sector still feeds over 1.4 billion people but remains chronically undervalued: low productivity, fragmented land, and a growing disconnect between…
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Are We Building a Generation Rich in Dreams but Poor in Financial Wisdom?
This is a financial wisdom generation gap: India’s young earners are increasingly starting adult life with debt instead of savings: easy digital credit combined with social-media-driven lifestyle pressure…
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India Needs Stronger Rules on Digital Lending to Protect Young Borrowers
Stronger digital lending regulation is overdue: India’s fintech lending boom has been pushing young borrowers into a debt trap, with instant loans and rising credit limits handed out…