Temperament: Money, Mind & Emotions

We live in an age where SIPs, insurance plans, and retirement calculators are just a tap away. But despite the access and awareness, most of us hit pause before the plan plays out. In this episode, we unpack the deeper forces that derail long-term financial consistency. It’s not just about knowledge—it’s about belief, emotion, and behaviour. We discuss: Why short-term temptations overpower long-te...

Why are so many people in India risking their money on betting apps? Once seen as shady or underground, betting platforms have now gone mainstream—gamified, glamorised, and accessed by millions. But behind the thrill of the game lies something deeper. In this episode, we explore the behavioural psychology behind betting, how it hijacks our decision-making, and why breaking the cycle is so hard. We...

What if aviation wasn’t just for airlines anymore? From private charters and drone academies to electric aircraft startups and infrastructure plays, India’s aviation sector is quietly opening up to a new kind of investor. In this episode, we explore how aviation is becoming a serious investment opportunity—beyond just aircraft ownership—and what you need to know before stepping in. We uncover: Why...

What do the ultra-wealthy know about money that most of us don’t? As India witnesses a historic rise in multi-generational wealth, the real secret isn’t just better investing—it’s a completely different way of thinking. In this episode, we dive into the psychology, systems, and temperament that shape how HNIs preserve and grow wealth across decades. We explore: Why creating wealth is not the same...

What if your retirement lasted longer than your career? With rising life expectancy and changing family dynamics, the traditional idea of retirement—saving till 60 and resting after—no longer holds up. In this episode we speak to experts across finance, health, and longevity to understand how aging is evolving in India. We explore: Why most retirees run out of money within 15 years? The financial...

Managing money isn’t easy—budgeting, saving, investing—it all takes time and effort. But with AI entering the scene, personal finance is undergoing a major shift. From automating expense tracking to offering personalised investment advice, AI is starting to reshape how we manage our money. In this episode we explore how AI is revolutionising personal finance in India? We dive into: How AI is bridg...

Love and money—two forces that shape our lives. When they align, they build security and shared dreams. But when they clash, they lead to stress, conflict, and even breakups. Studies show 35% of couples cite money as their biggest source of stress , and 22% of divorces happen due to financial disputes . Yet, for something so crucial, money is often the hardest thing to talk about. Couples plan vac...

Divorce is never just emotional—it’s a financial earthquake. From splitting assets and debts to navigating alimony and future responsibilities, separating finances is often more complicated than ending the relationship itself. But here’s the big question: How do you protect yourself financially before, during, and after a divorce? And what are the biggest money mistakes couples make that leave the...

Investing usually brings to mind stocks, bonds, and real estate. But what if we told you that art—yes, paintings and sculptures—can also be a serious asset class? While some pieces sell for millions, others fade into obscurity. So, what makes art a valuable investment, and how do you know if it’s worth your money? More people, especially in India, are beginning to see art as more than just decorat...

Have you ever felt guilty about spending money, avoided checking your bank balance, or worried about finances even when things were going well? You’re not alone. Our relationship with money isn’t just about income and expenses—it’s shaped by past experiences, deep-seated beliefs, and even generational patterns. But here’s the big question: How does financial trauma shape our money habits, and what...

In recent years, India has witnessed an unprecedented surge in personal loans, credit card spending, and household debt. With digital platforms making borrowing as easy as a tap, access to credit has never been faster. But as loans pile up, so do the risks. Are we on the brink of a credit bubble, or is this just the natural evolution of a growing economy? In this episode, we explore: The driving f...

You’ve been investing in Indian stocks, tracking market trends, and watching your portfolio grow. But have you ever considered looking beyond borders? In 2024, the S&P 500 (when converted to rupees) outperformed India’s stock indices, and with the rupee hitting record depreciation against the dollar, global investing is becoming more relevant than ever. But here’s the big question: Should you...

Indians have a deep-rooted love affair with gold—it’s a family heirloom, a financial safety net, and a symbol of prosperity. With over 24,000 tonnes of gold owned by Indian households, our obsession isn’t just cultural—it’s economic. But here’s the bigger picture: Why do governments, central banks, and investors continue to trust gold in an era dominated by stocks and cryptocurrencies? And how has...

Retirement: the word conjures up images of leisurely pursuits, travel, and finally having the time to do the things you've always dreamed of. But for many Indians, the reality is far from idyllic. With a significant portion of the population yet to start saving, and existing savers plagued by anxiety about their financial future, retirement looms as a distant and uncertain prospect. In this ep...

The Indian wedding industry is worth a jaw-dropping $130 billion—double the size of the U.S. wedding market and nearly 1.5 times the GDP of Sri Lanka. With over one crore weddings happening annually, the average family spends twice as much on a wedding as on education, showcasing the cultural and emotional significance of these grand celebrations. But here’s the question: How do you balance creati...

Have you ever imagined owning a share of a premium commercial property in a bustling corporate hub—earning steady income without shelling out hundreds of crores upfront? What if we told you this isn’t just a far-fetched dream? Picture yourself owning a piece of an iconic skyscraper or reaping dividends from India's most coveted real estate, all without the hassle of managing tenants, dealing w...

The price of everything you buy—the chai you sip, the gas you fill, the stocks you invest in—isn’t just about supply and demand. It’s part of a much bigger web of forces at play, one we often hear about but rarely stop to understand: macroeconomics. Think about it. When inflation rises, your money buys less. When GDP grows, it could mean more jobs and higher incomes. And when the government shifts...

Short-term rentals have emerged as a popular avenue for passive income, with India becoming a key player in this trend. According to Amanpreet Bajaj, Airbnb India’s General Manager, the country is one of Airbnb’s fastest-growing markets. In 2023 alone, Airbnb saw a 30% increase in nights booked across India, with domestic bookings skyrocketing by 110%. As Indians embrace travel and look for stays...

"Mutual Fund Sahi Hai"—a phrase we’ve all heard. And the numbers prove it. India's mutual fund industry has experienced remarkable growth, expanding sixfold in the last decade to manage an impressive ₹61.33 trillion by mid-2024. It’s clear that more Indians are harnessing the power of compounding and making their money work for them. Yet, here’s the paradox: 97% of investors discontinu...

Every startup success story makes angel investing look irresistible. From Sanjeev Bikhchandani's 4.7 crore investment in Zomato turning into 15,000 crores to early investors making 200x returns, these astronomical numbers are capturing everyone's attention. But behind these headline-grabbing exits lies a complex world of calculated risks and strategic decisions. In this episode, we dive de...

Ever noticed how your Instagram feed seems to read your mind, showing you exactly what you "need" when you’re feeling down? A tailored collection of clothes, gadgets, and home decor pops up, promising to fill a void you hadn’t even recognized until just moments ago. In 2023, a Deloitte survey of over 114,000 adults across 23 countries found that nearly 80% made at least one splurge purchas...

Dubai real estate is making waves, especially on social media. Everywhere you look, someone is either promoting the benefits of investing in Dubai or showcasing its luxury properties. It seems like everyone is jumping on the Dubai real estate bandwagon, and the hype is hard to ignore. Hence, to understand this hype, in this episode we discussed:  Is Dubai real estate really worth the hype?   Is th...

Financial Independence, Retire Early (FIRE) has been a popular topic for some time, inspiring many to pursue early retirement for personal reasons. However, the journey to achieving FIRE isn’t always straightforward, and the lifestyle after early retirement is often misunderstood as effortlessly smooth, which isn't always the case. In this episode, we break down the FIRE concept, explore  How...

Over 52,000 cybercrime cases were recorded in India in 2022, with financial fraud making up a massive 60%, according to NCRB data. And that’s just the reported cases—the true scale could be much larger. Surprisingly, many victims are well-educated and tech-savvy individuals. So, why do so many fall victim to these scams?  To get an answer of this In this episode, we explored  The scariest and most...

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19 People are naturally optimistic, and that positivity helps them enjoy life, love, and even try new things like tasty cheeseburgers or space exploration. But this optimism has a downside, especially when it comes to getting ready for tough times in the future. Sometimes, our hopeful outlook on the future makes...