TO SET Better boundaries in Personal Finance!


I Have to protect against my income loss against 3Ds...

Income Loss due to

1. Death - Term Plans covering me (or Income earning member)for loved ones till my working age. - Life Insurance.

2. Diseases - Adequate Health Insurance covering me and my family.

3. Disability - Personal Accident Policy for earning member.


I Want to invest for my Financial Goals

1. Being ready with my emergency / contingency fund protecting my life style for one year.

2. Invest for my Financial Independence.

3. Invest for my Children's future.


Other People want me to

1. Invest in endowment plans - Life insurance - assuming it is investment.

2. Spent money in buying 2nd/3rd home for investment in india where net yield on my investment is hardly 2% against inflation of 7%.

3. Buy things which I don't need to impress people I don't like.

4. Inflating NET-Worth with loans rather than focusing on Net Cash Flow.


Liz Fosslien

Thank you very much for making such a profound picture from your life learnings this makes so easy to implement learnings even in complex subject like Personal Finance !


Let's start

Creating Future, TODAY!

Sahjik Finserv

Kinjal Patel - Founder

+916355056220

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