Sachye Nivesh Samridhi

Achieving financial goals is possible, even with a modest income, provided that one practices financial discipline. Many people face challenges such as low salaries, lack of additional income sources, debts, and EMI obligations that reduce their disposable income. However, a significant contributor to these challenges is often a lack of proper knowledge about personal finance management, rather than just limited income.Throughout my career in the financial sector, I have encountered numerous individuals struggling with financial difficulties. Interestingly, these challenges persist not necessarily because of a lack of funds, but due to a lack of financial awareness. Many people find themselves unable to meet even their basic needs and are weighed down by debts. In times of financial crisis, some make decisions that exacerbate their situation, deepening their financial troubles.Money is a tool to fulfill both needs and ambitions, but I’ve observed that people frequently struggle to prioritize between the two. Many invest their money without adequate knowledge, often acting on advice from others or by mimicking successful investments without understanding the risks involved. This lack of informed decision-making jeopardizes their financial security and independence.Drawing on my experience, I have written this book to address these common issues. My goal is to raise financial awareness and provide readers with the knowledge they need to better understand their financial situations and overcome their financial challenges.