Air and Money

We need air to breathe. But do we need all the air in the world? Do we need unlimited air? Do we need to hoard it, fearing that one day it might run out? No. We just need ....
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What Makes a Person Truly Rich?

Henry Ward Beecher once wrote:“It is the heart that makes a man rich. He is rich according to what he is , not according to what he has.”Most people today would scroll past a q ....
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Have You Ever Said This Aloud?

"I want more," says the girl in the Tata Neu advertisement. And it lands. Because it’s familiar. It’s relatable. It’s what most people feel—most of the time. More mo ....
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Permission Granted

 “You have my permission.”That’s what I want to tell so many people.You have my permission to travel business class.You have my permission to buy that car you ....
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How Many Units of Deferred Consumption Should You Keep?

Warren Buffett once said that savings is simply “a unit of deferred consumption.” Four words. But like many things Buffett says, it’s deceptively simple. It sounds l ....
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How Big of a House Is Really Enough?

I recently moved from a large house to a much smaller one.Before moving, I had one big question.Where will we keep all the stuff?That question haunted everyone at home. It felt lik ....
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This is Financial Wellness

Financial wellness is a term that we hear often, but defining it is not as simple as giving a number. It’s not a figure on a bank statement, a certain level of net worth, or a pa ....
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What Would It Mean to Have Enough?

"What would it mean to have enough?" This question seems simple at first glance, but it opens up a world of complexity and introspection. When I asked this question, my friend Rahu ....
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Elections and Investing: Separating Fact from Fiction

“I have been waiting to invest. I was waiting for the election results. I had thought that the stock markets would correct as FIIs (Foreign Institutional Investors) have been sel ....
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Reframing the Spending Narrative

I got a lot of love for last Tuesday’s post “Special Reveal: The Journey into The Philosophy of Money.” Many of you even wanted to pre-order the book. We will get to that at ....
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About Amar Pandit

Amar is a CFA Charterholder from CFA Institute, Virginia, USA and a Certified Financial Planner. He is also an alumnus of the Wharton School of the University of Pennsylvania.

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Amar Pandit is the Founder of several companies that are making a Happy difference in the lives of people. His first one was “My Financial Advisor”, the happiest and best Private Wealth Management Firm that helps High Net worth Business Owners, Corporate Executives, Doctors and Celebrities to make smart and informed choices about money. He is currently the Founder of Happyness Factory, a world-class online investment & goal-based financial planning platform through which he aims to help every Indian family save and invest wisely. He is very passionate about spreading financial literacy and does so through his sharp and analytical columns published regularly in leading financial dailies, publications and portals. He is the author of 4 bestselling books (+ 2 more to release in 2020), 8 Sketch Books and 700 + columns for various newspapers such as Economic Times, Business Standard, Times of India, DNA, Hindustan Times, Mint, Indian Express and magazines. He has developed a board game “Financial Premier League" which is a fusion of cricket and personal finance. Besides this, he has developed Corporate Workshops on Financial Literacy and has developed the first financial literacy program for children between the age group of 5 and 12.

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Amar's Philosophy

It’s a myth that More Money = Happiness.
Yes, we have all heard that it is better to cry in a BMW than cry on the road. However, what matters at that point is that you are crying and unhappy. Your location is not relevant, you are just like the other person crying on the road. The point is that if “More Money = Happiness” were indeed true, the richest people would also be the happiest; the most seemingly beautiful and rich people would not be depressed.

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What Amar's Reading