I started The Money Decoded after learning what financial planning actually means — not in a classroom, but through a decade of lived experience.
For years our family ran a publication business. It was stable, profitable, and comfortable enough that saving money never felt urgent. Then in 2011 it collapsed. The income disappeared almost overnight. We made the difficult decision to mortgage our home and invest in a new business to recover. That business failed too.
We couldn’t pay the bank EMIs. Proceedings began to auction the house. It took the combined effort of our whole family — my contribution, my elder brother’s, and the generosity of friends and relatives — to finally recover the house from auction. That process took until 2021.
During those years I joined InfluxIQ Tech Pvt. Ltd. as a Project Manager. It was there, managing my own salary carefully and contributing to the family recovery, that I genuinely learned financial management — not as theory, but as something with real consequences.
I am not a financial advisor or a certified planner. I am a Project Manager who learned personal finance the hard way and spent years researching what I wish I had known earlier. I built The Money Decoded to explain personal finance in plain English — so you don’t have to learn it the way I did.
How I write
I use AI to help with research and first drafts, then I review every post for accuracy, voice, and the lived-experience framing that makes the explanation actually useful. The full process — sources, review, updates, corrections — is documented on the editorial process page.