Personal finance for Indians aged 40+
Money decisions after 40, made with real numbers.
I'm Nishant, 43. I spent 15+ years in IT, got laid off, and came through it without a single EMI. I share what I did with my own money so you can decide with fewer surprises.
₹0
EMI since my early 30s
₹3.5 Cr
term cover for my family
38
my age when I wrote my will
Start here
Where are you right now?
Pick the one closest to you. Each path has the three things I'd read first.
My story
Six entries from my own money diary
Everything on this site comes from decisions I made for my own family, the mistakes included.
Read my story →- First job
Bought my first term plan
₹50 lakh cover, when it was cheapest to buy
- 2014
Bought our home
The year my elder daughter was born
- Early 30s
Closed my only loan
No EMI since then
- Age 38
Wrote my will
My step-by-step guide to doing it for free is on the blog
- After 15+ years in IT
Laid off
No EMIs to panic about. The emergency fund did its job.
- Today
₹3.5 crore term cover
About 30× our yearly expenses
Free · 20 minutes
Ask me before you buy your next policy.
We'll look at what you already have, find the gaps, and compare plans from multiple insurers. No pressure to buy.
Coming soon: a one-on-one Money Check-up of your emergency fund, cover, loans and goals.
If you read only three things