How To Be Better With Money

A Path To Financial Independence.

The secret of getting ahead is getting started — Mark Twain

Building an Emergency Fund

The purpose of an emergency fund is to have money in case of an unplanned event like a layoff or medical bill. The easiest way to start is to open a savings account and commit to depositing regularly weekly or monthly. Whenever you have some surplus, put it aside into this savings account. Take it slow and redirect the new income into your savings account. Start by trying to account for one month of expenses and go from there. Don’t go after six months all at once; you’ll soon get discouraged.

Saving for Goals

Goals take us from struggle to stability, from stability to success. And still, a lot of people don’t get started on goals because of beliefs that they will fail. The key is to start small. Don’t set a goal to lose 20 pounds in a month but set a goal to run for 30 minutes every day. Don’t set a goal to read one book every week but read one blog post every week. Once you achieve the small goals and then build on it for bigger goals⁵.

A journey of thousand miles begins with a single step — Lao-TZU

8 percent of new year resolutions are kept by end of the year⁶. Willpower doesn’t work for most of us. If you have weak willpower, pre-commit yourself. For instance, if you don’t want to eat something delicious & unhealthy that’s better eaten warm, make it difficult by freezing it. Do the same by putting your money with high withdrawal penalty if you think you will withdraw.

In any moment of decision, the best thing you can do is the right thing, the next best thing is the wrong thing, and the worst thing you can do is nothing — Theodore Roosevelt

If you’re looking for ways to save — checkout curated list of apps to help you start saving today.


Investing to most of us sounds like the right thing to do, a smart thing to do when you have a surplus but also feels very daunting and complex. The general perception around the word ‘investing’ is that it’s about picking stocks, buying them low and selling high. Since most of us don’t have a clue about investing, we return to professional fund managers to invest our hard earned money.

Surprise, the returns reported by mutual funds aren’t actually earned by investors — Jack Bogle

Investing has been around for over a century but why has it not caught up?


You can be young without money, but you can’t be old without it. — Tennessee Williams

2/3 of the Americans don’t have enough to retire, averaging 25k in their 401k⁴. 1 in 10 who are saving is not saving enough to retire.

Financial Independence

Once we’re on track for a successful retirement plan, we can consider working on a plan to achieve financial independence. The core premise of financial independence is simple: Grow your savings to a point at which the returns from your investments will generate enough income to support your lifestyle without having to work.



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Arun Agrahri

Thoughts on entrepreneurship, future of work, leadership, and intellectual life. Founder | Product & Eng Leader. Past: VP Eng Twine (John Hancock), Vurb (Snap).