Handy Guide to Financial Literacy and Freedom

In a world where financial advice is often overwhelming overly technical or driven by hidden agendas Financial Freedom with Prakash Joshi offers something truly different: a clear disciplined and deeply human approach to money management.Prakash Joshi a former Army officer turned financial educator shares the wisdom earned over four decades of navigating personal finance with clarity integrity and purpose. His journey—from financial struggle to genuine independence—forms the backbone of this transformative guide. Through military discipline spiritual grounding and lived experience he has developed a practical values-driven system that anyone can follow.This is more than a book about budgeting or investing. It’s a holistic framework for achieving financial freedom—one that emphasizes not just how to build wealth but why. Blending the timeless wisdom of Vedic principles with modern financial strategies Mr. Joshi invites readers to rethink their relationship with money and align it with a life of purpose contribution and contentment.The book covers the full spectrum of personal finance—from emergency funds and insurance planning to the nuanced art of direct stock investing. Along the way readers gain access to simple tools behavior-shaping exercises “Own Time Work” (OTW) and clear actionable strategies grounded in discipline and self-awareness.One of the book’s boldest ideas is its advocacy for direct stock investing over mutual funds guided by clear stop-loss systems and profit-monitoring strategies. It’s a long-term growth-focused approach that empowers readers to take control of their financial destiny.Ideal for beginners professionals in mid-career or those approaching retirement this book delivers not just financial literacy but financial wisdom. It speaks to the intellect but also to the heart.Financial Freedom with Prakash Joshi is your step-by-step guide to mastering money not just to accumulate wealth but to live a life of deeper meaning security and service.Start your journey toward true financial freedom—one grounded in clarity guided by purpose and enriched by generosity.