We learned about money the hard way. We started this blog so you don’t have to.
The Money Decoded is a personal finance research blog written by someone who experienced firsthand what happens when you don’t plan for the unexpected.
Our story
For many years our family ran a publication business. It was well-settled, stable, and profitable enough that we never once worried about money. We earned well, lived comfortably, and like many families who have never faced a financial crisis — saving never felt like a priority.
In 2011, everything changed. The business faced a severe downfall. The income we had relied on for years disappeared almost overnight. Desperate to recover, we made the difficult decision to mortgage our home and use the funds to start a new business. That business failed too.
We could no longer pay the bank EMIs. The bank began proceedings to auction our house — the home our family lived in. What followed were years of uncertainty, discipline, and collective effort. My elder brother, close friends, relatives, and my own savings from my salary as a Project Manager at InfluxIQ Tech Pvt. Ltd. — where I joined during those recovery years — all contributed to a long, slow climb back.
In 2021, after a decade of effort, we finally recovered the house from the bank auction. That ten-year journey — from the collapse in 2011 to finally closing that chapter in 2021 — changed how I think about money permanently.
It was during those recovery years, managing my own finances carefully while contributing to the family’s, that I genuinely learned what financial planning means. Not as theory — as something with real consequences. I learned to save, to budget, to understand what compound interest actually does to debt and to savings. I researched everything I could find about personal finance because I had to.
The Money Decoded exists because I wish someone had explained these things in plain language before 2011. Not complicated financial theories. Not jargon-heavy advice meant for professionals. Just clear, honest explanations of how money works — the basics that can protect a family when life goes wrong. Everything on this site is the research I wish I had done earlier.
What this blog is
The Money Decoded is a personal finance research blog. We are not financial advisors. We are not certified planners. We are people who learned hard lessons about money and now spend our time researching personal finance topics and explaining them in plain English for everyday people.
Everything we publish is
- Thoroughly researched from authoritative sources
- Written in plain language — no jargon without explanation
- Focused on education, not advice
- Honest about what we know and what we don't
Who this is for
This blog is for anyone who:
- Has never been taught how money actually works
- Feels overwhelmed or intimidated by financial content
- Wants to understand budgeting, saving, or debt without needing a finance degree
- Is starting from scratch and just needs clear, simple explanations
- Wants to be more prepared for whatever life throws at them
You don’t need to be rich to start. You don’t need a background in finance. You just need to start somewhere. This is that somewhere.
How we research
Before writing anything on this site, we research it properly. Our sources include:
- Investopedia
- NerdWallet
- Consumer Financial Protection Bureau
- Reserve Bank of India
- Internal Revenue Service
- U.S. Securities and Exchange Commission
- Peer-reviewed academic finance research
- Books written by certified financial professionals
We cite our sources in every article so you can verify anything we write and explore further if you want to.