Newsletter

The Shift – Fortnightly Newsletter

Reflections on Wealth, Wisdom & Freedom

Welcome to The Shift — a space where money meets mindset.

Twice a month, I share grounded insights on long-term investing, financial independence, and intentional living—drawn from real-life experience, not textbooks.

Whether you’re a salaried professional, a young earner, or just beginning your journey toward financial freedom—this newsletter is for you.

You’ll find:

Timeless investing lessons
Real numbers, real reflections
Early financial habits for kids & teens
Stories from my road—from IT cubicle to investor’s field
One clear takeaway in every edition

It’s not about chasing returns. It’s about reclaiming time, peace, and purpose—through money that works for you.

📘 Read the latest editions below ↓

And if one of them sparks a shift in you—share it forward.

Most Recent Blogs

A Simple Shift That Changed My Financial Future

A Simple Shift That Changed My Financial Future One of the most common myths many of us grow up with is: A bigger house means a better life. But what if — especially in the early years of your career — that belief is quietly stealing your freedom? In my own journey, I learned something powerful: Your biggest asset in the first 2–6 years of work isn’t your salary. It’s your ability to live light and save heavy. Live in a modest space. Be a guest more often than a host. Don’t feel pressured to upgrade just because others are. Avoid taking big loans that bind you for the next 5–10 years. If a loan is bigger than 1–3 years of your current annual salary, take a step back. Don’t count on automatic salary hikes to rescue you. Because freedom isn’t built on assumptions—It’s built on thoughtful, quiet choices. You don’t build wealth by flaunting it. You build it by pla...

The Bull Is Back—Quietly, But Stronger...

Around six months ago, I had shared a perspective ( link ) on the ongoing market volatility. Back then, the story was uncertainty : shaky earnings, policy jitters, IPO frenzy, and global confusion. Today, the story is shifting. While many still carry caution, I believe the signs are clear — we are entering a bull market . And this time, it's not hype-driven, but fundamentally supported . Yes, some are saying, “It will be a difficult bull run.” But I believe this will be a disciplined one . Why? Because the Indian capital market has matured. We've seen: Overvalued IPOs fade Weak businesses exposed Real performance getting the attention it deserves The system is learning to differentiate . And that matters. Here’s What’s Now in Place: Repo Rate cuts and CRR easing on the horizon — boosting market liquidity Political clarity with no major election drama FIIs and FPIs finding smoother entry and exit — a sign of maturity India stand...

While You Rest, Your Money Works—the Best Employee in the World

While You Rest, Your Money Works There’s something deeply satisfying about watching a tree you once planted start to bear fruit. Not immediately. Not dramatically. But slowly… steadily… silently… That’s what being an investor feels like. In 2005–2006 , I was walking 1.5 km in Gurgaon just to save ₹30 on auto fare. Today, that saved money—and the mindset behind it—is working for me 24/7. Not because I’m lucky. But because I planted early. Watered consistently. And didn’t dig up the roots during windy seasons. Being an investor isn’t about stock tips or market noise. It’s a psychology. The psychology of: Saying “I can, but I won’t”—when temptation calls. Choosing compounding over comparison. Trusting the silent effort of your money—the best employee in the world—who works round the clock, never asks for a raise, and never takes a day off. The outcome an investor enjoys today is nothing but the ...

3 Habits That Quietly Transformed My Life — From Employee to Investor

Over the years, I’ve often been asked— “How did you make the transition from being a full-time employee to becoming a full-time investor?” It’s rarely about one big move. In my case, it was about a few small habits, practiced with quiet consistency, that created the shift—financially, emotionally, and mentally. Here are 3 habits that shaped my journey: 1. Thinking Like an Owner, Even When I Was an Employee Very early in my career, I started approaching my work with an ownership mindset. I would often ask myself— “If this was my company, what decision would I make? Would I rehire myself?” That simple question made me more accountable, thoughtful, and committed to creating real value—not just completing tasks. Looking back, I’m grateful for the leaders and mentors who noticed and encouraged this approach during my corporate journey. Their trust in me played a big role in shaping my mindset, which now guides how I evaluate businesses as an investor. 2. Investing Be...

Respect Money, and It Stays...

One of the deepest and divine lessons I’ve learned is: Money stays where it’s respected. If you treat money with care—allocate it wisely, invest it patiently—it rewards you. But if you flaunt it, waste it, or assume it will always be there, it quietly slips away. As if it senses where it's valued. This isn’t superstition—it’s a cycle. A natural correction. A reset that steers us back toward what really matters. 🌐 Read this post on LinkedIn #Employee2Investor #ThePsychologicalShift #RethinkWork #RethinkMoney #RedesignLife #ReclaimTime

If You Don’t Define Your Financial Freedom, Someone Else Will

For a long time, I thought financial freedom was just a number—a corpus. But over time, I realized something deeper… Financial freedom is personal. For me, it’s simply: Living frugally… and being there—fully—for those I love. If you don’t define your own version of financial freedom, someone else will do it for you: Society will equate it with luxury cars and exotic vacations. Advertisements will whisper it’s the next shiny gadget. The corporate ladder will tell you it’s your next title or raise. Take a Pause and Reflect… What does your financial freedom truly look like? I’ve shared my journey and lessons in my book "The Psychological Shift from Employee to Investor" . I invite you to read it—not just to know my story, but perhaps to help shape your own. Financial freedom is not about escaping work in life—it’s about designing a life you don’t want to escape from. 📖 Pre-book now on Amazon : Click here (Releasing on ...

Master Money before it Masters you!

👇 Latest reflections from the journey-scroll down for my most recent articles, thoughts, and financial freedom insights.👇

The Psychological Shift from an Employee to Investor

A Dream That's Been Quietly Growing Is Now Taking Shape… Over the past few months, I’ve been pouring my thoughts, memories, and life lessons into something very close to my heart — my first book, titled: 📖 The Psychological Shift from an Employee to Investor 📖 This is not just a book about investing — it’s about transforming how you think about money , work , and freedom . In a world chasing reels and instant gratification , I chose to write a book . Because real impact takes reflection — not just 30-second hacks. This is my journey — and maybe it mirrors yours, or someone you care about. 🙏 I'm not a bestseller (yet), and that’s not the goal. 🙏 I just want this book to reach the right people at the right time — and maybe, become: The pause that leads to reflection The silence before a shift The nudge toward a more meaningful and purposeful life Thank you to all my mentors, friends, family, and even critics — truly — for being part of thi...

Why I Chose to Write This Book in a World Full of Reels and 30-Second Hacks

Why I Chose to Write This Book in a World Full of Reels and 30-Second Hacks Because some shifts in life aren’t instant. They need space… reflection… silence , not a 30-second hack!! The idea for The Psychological Shift from Employee to Investor didn’t arrive in a flash of inspiration. It was a slow realization , shaped by years of choices , quiet reflections , and bold decisions . It was my plan — calculations — to break free from my job at 45. But in 2020 , at 40 , I took the leap. The world was in chaos. Markets had crashed. Fear was everywhere. And yet, I saw clarity . Instead of taking a sabbatical, I made a choice: To turn my passive investing into a full-time career . It wasn’t just about money. It was about life . Thanks to my wife — her gentle nudges gave me the courage to leap in my 40s. She believed in me more than I did… because she truly is my better half. 😊 My younger son had just been born. I saw a second chance — to reconnect with my ...

A Simple Shift Can Change Your Entire Financial Future

A Simple Shift Can Change Your Entire Financial Future One of the most common myths many of us grow up with is: “A bigger house means a better life.” But what if — especially in the early years of your career — that belief is quietly stealing your freedom? In my own journey, I learned something powerful: Your biggest asset in the first 2–6 years of work isn’t your salary. It’s your ability to live light and save heavy. Live in a modest space. Be a guest more often than a host. Don’t feel pressured to upgrade just because others are. Avoid taking big loans that bind you for the next 5–10 years. If a loan is bigger than 1–3 years of your current salary, take a step back. Don’t count on automatic salary hikes to rescue you. Because freedom isn’t built on assumptions— It’s built on thoughtful, quiet choices. You don’t build wealth by flaunting it. You build it by planting seeds and giving them time. This isn’t just about frugality. It’s about...