Insights & Updates
Thoughts, news, and long-form writing from across our networks.
Convenience Was Supposed To Fix Finance. Here's What It Actually Did.
Let me tell you about the most dangerous sentence in Indian finance right now.It isn’t about interest rates or market corrections or regulatory overreach. It’s something a 23-year-old said in a resear...
The Pie Chart Won’t Save You
In 2006, a startup launched with a simple idea.Connect your bank accounts. See where your money goes. Change your behaviour.Thanks for reading Swaraj's Substack! Subscribe for free to receive new post...
Nobody Taught Us. Now We’re Paying for It.
Rohan was 23 when he got his first offer letter. ₹38,000 a month. He stared at it for a long time.He had no idea what to do with it.Not because he was careless. Not because he was irresponsible. But b...
Zero Cost EMI Is Not Free. Here’s What It Actually Costs.
In 2017, a researcher named Avni Shah ran a study that should have changed how we think about financial products.She gave two groups of people identical items to use for three weeks. One group bought ...
Your Financial Decisions Deserve a Better Scorecard
Think about the last three financial decisions you regret.Now ask: were they actually bad decisions, or did they just produce bad outcomes?If you’re honest, you probably can’t tell. Because you never ...
Everyone Gets Good Advice Now. So Why Aren’t They Getting Rich?
The manifesto sounds perfect.“Everyone deserves access to trustworthy investment advice, not just the wealthy.”True.“Personalized guidance, at scale, for a fraction of the cost.”Also true.“AI advisor ...