We live in an age of unparalleled abundance and technological marvel. At our fingertips, we command goods, services, information, and social connections that were unimaginable a generation ago. The conveniences are so deeply woven into the fabric of daily life that we rarely stop to consider their true cost. For while the era of visible, … Read more
We’ve all done it. Scrolled through a feed of impossibly perfect lives and felt that small, sharp pang of inadequacy. Chosen the more photogenic cocktail over the one we truly craved. Polished a story for a party, embellishing our job title or the exotic-ness of our vacation. We’ve lingered over a witty tweet, crafting and … Read more
We live in an age of the immediate. A package arrives at our door in hours. A world of knowledge is accessed in milliseconds. Entertainment, social validation, and even romantic connection are available on-demand, curated by algorithms designed to maximize our engagement. This is the engine of our consumer society: a meticulously crafted ecosystem that … Read more
We live in a world of frictionless spending. A tap on a phone, a wave of a card, and a morning latte, a lunch delivery, or an impulsive online purchase is complete. These transactions feel insignificant—a few dollars here, a few there. They are the financial equivalent of a gentle drip. Unnoticed day-to-day, but over … Read more
For decades, the rallying cry to solve personal financial misery has been consistent: “We need more financial education!” From government initiatives and school curriculum debates to corporate wellness programs and a booming industry of self-help books and influencers, the message is pervasive. Yet, despite this flood of information, the outcomes remain grim. Adults continue to … Read more
We live in an age of frictionless spending. A latte here, a streaming subscription there, a quick lunch delivery, an in-app purchase, a flash sale notification—small, seemingly insignificant transactions that slip through our financial defenses with barely a second thought. They are the financial equivalent of a slow, steady drip from a leaky faucet. Ignored, … Read more
Credit has always been based on numbers. For almost a century, banks decided who deserves a loan based on income, repayment history, assets, and risk scores. This traditional model gave rise to the modern credit score — a single number that summarises how safely a person borrows and repays money.Credit Score vs Social Score But … Read more
In the dominant narrative of India’s economic ascent, the rise of the “new middle class” has been a central plotline. This cohort, broadly defined as households with annual incomes between ₹5 lakh and ₹30 lakh, was seen as the engine of consumption, the beneficiary of liberalization, and the symbol of a confident, aspirational India. By … Read more
We live in an age of unprecedented financial complexity. From deciphering the fine print on a mortgage to navigating a labyrinth of retirement account options, from resisting the algorithmic allure of instant buy-now-pay-later credit to understanding the implications of a volatile global stock market, the modern adult is expected to be a part-time financial analyst. … Read more
Overspending is often framed as a simple failure of willpower or poor budgeting. A moral lapse, even. The reality, however, is far more complex and deeply rooted in the human psyche. To understand why we spend beyond our means—despite knowing better—we must venture into the intricate landscape of psychology, where emotions, cognition, social forces, and … Read more