What 100 Articles Taught Me About Money And Life When I wrote my first article about money, I thought I’d be teaching people how to “invest smartly.” But 100 articles later, I’ve realized — it’s not just about SIPs, mutual funds, or saving taxes. It’s about humans. About fear, greed, hope, and that moment when your card declines at Starbucks even though you swear you have money in your account.
This milestone isn’t just a number — it’s a mirror. A reflection of how India’s relationship with money has changed — from hiding notes in pillow covers to scanning QR codes for ₹10 chai. And somewhere along the way, I learned that money and life are more connected than we think.
Let’s laugh, learn, and look at what 100 articles about money and life really taught me
1. The Past: Why Your Parents Still Don’t Trust Mutual Funds
Our parents grew up in a world of scarcity. Jobs were rare, salaries were small, and dreams were often limited to “one house, two kids, and one LIC policy.” For them, safety was success.
That’s why “guaranteed returns” became the love language of Indian investors. Fixed deposits, PPFs, and endowment plans ruled portfolios. They didn’t beat inflation, but they did beat anxiety.
Then came the real estate obsession — that magical belief that property prices only go up. Generations saved every rupee for “the dream home,” only to realize they had an asset but no cash flow.
Insurance became investment. Not protection. “Beta, LIC le lo, tax bachega,” they said — unknowingly mixing protection with savings, and ending up with neither.
Their choices came from fear, not foolishness. From memories of scams and economic uncertainty. But today’s money story is being written with a new pen — digital, bold, and a little reckless
2. The Present: From QR Codes to Crypto Chaos
The India I write for today is buzzing — UPI, SIP, and startups have turned saving and spending into a game. You can buy a mutual fund before your pizza arrives, and that’s both amazing and terrifying.
Systematic Investment Plans (SIPs) are booming — ₹20,000 crore monthly inflows! Middle-class India is finally learning that equity isn’t a gamble; it’s growth.
But with new tools come new temptations. Everyone wants to be rich yesterday. Social media influencers are shouting stock tips louder than sense. Crypto memes promise “Lambo by next Diwali.”
Meanwhile, women are stepping up like never before — managing family finances, running startups, and investing independently. That’s the real revolution.
The problem isn’t lack of access anymore — it’s too much noise. Everyone’s got advice, but few have experience. The secret? Focus on what’s boring but works — consistent investing, financial discipline, and ignoring anyone who tells you this stock will double in 10 days.
3. The Future: Resilience is the New Rich
The future of money isn’t about how much you earn — it’s about how well you adapt. Inflation, layoffs, market crashes — the real winners are those who stay calm, not those who panic and sell at the bottom.
Three timeless lessons:
- Compounding is still king. Start early, stay invested, and let time do the heavy lifting.
- Financial literacy is the new inheritance. Don’t just pass on wealth — pass on wisdom.
- Money ≠ Meaning. True wealth is health, freedom, and peace of mind.
Your portfolio may grow with the market, but your happiness compounds with gratitude.
The rich of tomorrow aren’t those with five properties — they’re the ones who can take a year off without stress, who invest in experiences, and who sleep peacefully knowing they don’t owe anyone
4. Lessons Learned: Simplicity Beats Fancy Jargon
Over 100 articles, one truth has slapped me harder than a stock market crash — simplicity always wins.
Most readers don’t need a crypto wallet or a forex hedge; they just need a budget, an emergency fund, and patience.
Behavior trumps knowledge every single time. You can have a finance degree and still buy an iPhone on EMI at 24% interest. It’s not intelligence; it’s impulse.
And here’s a funny thing — people remember stories, not spreadsheets. Ravi’s EMI trap, Archana’s delayed SIP, Mr. Iyer’s retirement chaos — these stories teach more than 50 PowerPoints ever could.
Consistency is magic. Whether it’s investing ₹5000 every month or writing articles every fortnight — the power of showing up beats the urge to show off.
So, next time you see a get-rich-quick ad — just smile, sip your chai, and let compounding handle your future
5. The Human Side of Money: Where Emotion Meets Excel
Money is emotional. It’s never just math. It’s that strange mix of fear, pride, guilt, and hope that sits quietly in every transaction we make.
We check our bank balance not just to see numbers — but to feel safe, successful, or in control. When we buy something expensive, it’s rarely about the item; it’s about validation. When we save, it’s rarely about the future; it’s about fighting uncertainty.
Writing 100 articles taught me that no formula or financial planner can teach you peace of mind. That comes when your values align with your wallet.
I’ve seen people with crores still panic about the stock market — and others with modest salaries live joyfully because they spend on what matters.
So, yes — money can buy comfort, but not contentment. It can buy options, not purpose.
And if I could leave one lesson behind, it would be this: Finance should serve your life, not the other way around.
Earn well, save wisely, invest patiently, but never forget to live. Go on that trip, buy your parents something they never asked for, and sometimes — splurge on that overpriced coffee guilt-free.
Because in the end, the goal is not to die rich — it’s to live rich
6. Closing Thoughts: 100 Articles, Infinite Lessons
This isn’t the end of my journey — it’s just the 100th pit stop.
If the first 100 articles were about avoiding mistakes and building habits, the next 100 will be about exploring purpose — how to make money meaningful.
I want to talk about legacy, impact, and the stuff money can’t buy. Because eventually, all financial plans point to one thing — a better life.
So here’s my takeaway after 100 weeks of writing about money and life:
- Learn.
- Laugh.
- Invest.
- Repeat.
And remember, wealth isn’t what’s in your bank — it’s what’s in your mind, your health, and your relationships.
To every reader who’s been with me on this journey — thank you. Let’s make the next 100 not just richer, but wiser
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Disclaimer
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