Money Theory

Track That Rupee Beta is here - FREE access till 2nd July 🤩 In 2 hrs a month, you’ll know: - Where your money leaks - Your true savings rate & EMI load - How your net worth has grown (or fallen) Like & reply “beta” — I’ll DM you the file link. (Follow so I can reach you)

India’s richest 1% own 40% of the country’s wealth. Your salary hike: +5% Your rent hike: +15% Your medical bills: +14% Your boss’s wealth: Compounded at 20%. Still think working harder is the solution? Maybe the real answer isn’t hard work, but smart work.

You bought a flat for ₹60 L. 15 years later, it’s worth ₹1.10 Cr. Looks like a win. But you paid: • ₹47.3 L in interest • ₹9 L in maintenance • ₹6 L in stamp duty + property tax • ₹12 L upfront Real return? 2.6 % CAGR — below inflation. Renters look naïve. Who’s…

SSY rate is 8.2% per annum. That’s equal to an 11.71% pre-tax return at a 30% tax rate. No tax on interest. No tax on maturity. Just guaranteed compounding, year after year. Ignored by influencers. Loved by the disciplined. Which side are you on?

Sold land, gold, or stocks? Section 54F can save you 100% LTCG tax. How? Reinvest the full sale amount into one house. ₹30L sale, ₹20L gain → invest ₹30L → zero tax. But: You can’t own more than one house on the sale date. No second chance. Timing is everything.

₹2L salary, ₹1L expenses = Building wealth. ₹10L salary, ₹10L expenses = Staying broke. Wealth isn’t what you earn. It’s what you keep. Still chasing a higher salary?

You earn ₹20L/year and save 5%. She earns ₹9L/year and saves 35%. In 10 years, she’s ahead. Wealth isn’t what you make. It’s what you keep. Still measuring success by salary?