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#wearegrowing

INDIA'S MOST ACTIONABLE PERSONAL FINANCE GUIDE

⭐ MANAGE ⭐ GROW ⭐ PROTECT ⭐ INVEST

In Your 20s & 30s, These Money Stresses Keep You Up At Night?

Your income's piling up and you don’t know what to do with it.

75+
Brands
1.9M
followers across platforms
5M+
People reached every month
Confused about different investment options?
Saving enough for your future goals?
Confused about taxes, ITR, and deductions?
Planning for a home or car feels overwhelming?
Worried about your family's financial security?
Struggling with credit card and loan management?

Here’s why the Book is a Money Management Game-Changer!

From day-to-day money management to planning your long-term growth fund, it answers every single question you have!

MANAGE: Your Money Finally Makes Sense

The book introduces two game-changing approaches on pg. 32-45:

"WHERE DOES MY SALARY DISAPPEAR EVERY MONTH?"

For Detail Lovers

The Detailed Budget Tracker

Confused about different investment options?
See exactly where your money goes with visual breakdowns

For Everyone Else

The Lazy Person's Method

The 3-account system that works on autopilot
Save consistently without tracking every rupee

PROTECT: Secure What Matters Most

Pages 162-249 reveal the protection framework nobody talks about:

"IS MY FAMILY ACTUALLY PROTECTED IF SOMETHING HAPPENS?"

Emergency Fund Formula (pg. 170)

Calculate your exact safety net amount
Best places to park it for access + returns

Health Insurance Decoder (pg. 178)

5 critical coverages policies often exclude
Select optimal coverage without overpaying

Life Insurance Calculator (pg. 233)

The simple multiplication formula for family security
Avoid the common under/over-insurance trap

CLEAR THE CHAOS: Debt & Tax Optimization

The book's frameworks eliminate costly mistakes

"AM I THROWING MONEY AWAY ON INTEREST AND TAXES?"

Debt Freedom Path (pg. 52-67)

The Snowball vs. Avalanche method comparison
Which loans to pay first, and which to leverage strategically

Tax Reduction System (pg. 68-101)

Old vs. New regime decision tree based on YOUR situation
The 70+ deductions most professionals completely miss

Smart Credit Strategy (pg. 104-116)

Turn your expenses into rewards worth ₹15,000-₹30,000 annually
The exact system to maintain perfect credit while maximizing benefits

GROW: Build Real Wealth

Pages 252-392 reveal the investment framework for every stage:

"HOW DO I MAKE MY MONEY WORK FOR ME?"

Time-Based Investment Selector (pg. 270)

Short-term (1-3 years): Liquid funds, FDs [4-6%]
Medium-term (3-7 years): Debt funds, RDs [6-7%]
Long-term (7+ years): Equity funds, PPF [8- 12%+]

Asset Class Decision Matrix

Mutual Funds: Selection framework on pg. 328-347
Gold: Physical vs. Digital vs. SGB comparison pg. 374-381
Real Estate: Traditional vs. REITs analysis pg. 382-391
Equity: Risk assessment guide pg. 392-399
A curriculum built to shape future banking leaders
Chapter 1: Introduction

1.1 What money is and isn’t?
 1.1.1 Money is an enabler
 1.1.2 So what can money actually do?
1.2 Money isn’t everything
1.3 Money Mistakes we make
 1.3.1 Taking Decisions based on Past Experiences/FOMO
 1.3.2 Unrealistic expectations
 1.3.3 Lifestyle inflation
 1.3.4 Next Monday Attitude

Chapter 2: Everyday Money Management

2.1 The Detailed Budget Planner
 2.1.1 Recording your Transactions
 2.1.2 Analyze your Spending
 2.1.3 Assets and Goals
2.2 The Lazy Method
 2.2.1 Setting up the Tracker
 2.2.2 Making a Budget
 2.2.3 Managing your Money
 2.2.4 Deciding what to do with your money
 2.2.5 Tracking your progress

Chapter 3: Are all debts a sin?

3.1 Your Current Standing
 3.1.1 Net Debt Position
 3.1.2 EMI to Salary Ratio
3.2 How to Pay-off Debt?
 3.2.1 Snowball Method
 3.2.2 Avalanche Method

Chapter 4: Taxes

4.1 How does Taxes Work?
4.2 Old Tax Regime vs. New Tax Regime
4.3 Deductions
 4.3.1 Medical
 4.3.2 Home
 4.3.3 Investments
 4.3.4 Family
 4.3.5 Others
 4.3.6 Donations
4.4 Exemptions
 4.4.1 Salary

Chapter 6: Emergency Funds

6.1 Introduction
6.2 Emergency Funds
 6.2.1 What is it?
 6.2.2 Why do you need it?
 6.2.3 How much should it be?
 6.2.4 Where should you invest?

Chapter 7: Health Insurance

7.1 Where to Buy?
7.2 Things to Consider while selecting Health Insurance
 7.2.1 Co-pay
 7.2.2 Waiting Period in Health Insurance
 7.2.3 Sub-Limits
 7.2.4 Pre and Post-Hospitalisation
 7.2.5 Day Care Procedures
7.3 Insuring your Family
 7.3.1 How does it Work?
 7.3.2 Cons of Floater Plans
7.4 Top-Ups and Super Top-Ups
7.5 Cashless Procedure for Planned Admission
7.6 Reimbursement Claim - Planned Hospitalisation

Chapter 8: Life Insurance

8.1 Where should you get Life Insurance?
8.2 Life Insurance Math
8.3 Types of Life Insurance
 8.3.1 Term Insurance
 8.3.2 Insurance + Investment - EP, ULIPs, MBP
8.4 Riders
 8.4.1 Waive-off Premium Rider
 8.4.2 Disability Rider
 8.4.3 Critical Illness Rider
8.5 Death Claim Settlement Process

Chapter 9: Achieving your Financial Goals

9.1 Step 1: List Down your Goals
9.2 Step 2: Plan your Goals
9.3 Step 3: Categorising your Goals
9.4 Step 4: Investing According to your Goals
9.5 Step 5: Building a Portfolio
9.6 Step 6: When to Sell?

Chapter 10: Understanding Investment Instruments

10.1 Fixed Deposits
 10.1.1 What is FD?
 10.1.2 When to Invest in a Fixed Deposit?
 10.1.3 How to customise your FD?
 10.1.4 Hacks in FD Investment
10.2 Recurring Deposits
10.3 Hacks in FD Investment

Chapter 11: Mutual Funds

11.1 So, how are Mutual Funds Managed?
11.2 Now, which Management style should you select?
11.3 Types of Mutual Funds
 11.3.1 Equity Mutual Funds
 11.3.2 Debt Mutual Funds
 11.3.3 Hybrid Funds
11.4 More about Mutual Funds
11.5 So, how to select the type of Mutual Funds?
11.6 Last but not least, how to select a Mutual Fund Scheme?
 11.6.1 How to select an Actively Managed Equity Fund?
 11.6.2 How to select an ETF/ Index Fund?
 11.6.3 How to select a Debt Fund?
11.7 Growth option vs. IDCW
11.8 What is a Fact Sheet and how to read it?
11.9 Routes of investing in a Mutual Fund
 11.9.1 Option A: Investing through a Direct Plan
 11.9.2 Option B: Investing through a Regular Plan
11.10 Things to Avoid!
 11.10.1 Avoid Sectoral Funds
 11.10.2 Avoid chasing Top Performing Fund of every year
 11.10.3 Avoid Overdiversification
 11.10.4 Avoid NFOs
 11.10.5 Don’t time the market

Chapter 12: Gold

12.1 Gold Coins/ Bars
12.2 Gold ETFs
12.3 Digital Gold
12.4 Sovereign Gold Bonds (SGBs)
12.5 The Case for Gold!

Chapter 13: Real Estate

13.1 What are REITs?
13.2 Generating returns from REITs
13.3 How to invest in REITs?

Chapter 14: Equity


Still not convinced?

SEE WHO'S TALKING ABOUT THE MONEY GUIDE!

Learn from an expert

Anushka Rathod is India's first short-form finance creator and the co-founder of the branding consultancy, The Influence Club. She is also the honoree of the Forbes 30 under 30 India and Asia list for the year 2024. The only creator to make it to both lists in the same year.

  • Leading voice in personal finance.
  • Forbes 30 Under 30 Asia and India honoree.
  • Popular finance content creator.
  • 2 million followers.
  • Known for innovative insights.
  • Interacted with thousands to understand finance concerns.
75+
Brands
1.9M
followers across platforms
5M+
People reached every month

Nominated for National creator awards

On the cover of Forbes magazines

Panelist at Elle Impact

Panelist at She Leads India

Panelist at Entrepreneur India

Panelist for Times Of India

Speaker at Michigan University

Winner of the Influencer of the year by IWAA

Forbes Asia 30 under 30

On the cover Forbes India

Nominated for National creator awards

On the cover of Forbes magazines

Panelist at Elle Impact

Panelist at She Leads India

Panelist at Entrepreneur India

Panelist for Times Of India

Speaker at Michigan University

Winner of the Influencer of the year by IWAA

Forbes Asia 30 under 30

On the cover Forbes India

Nominated for National creator awards

On the cover of Forbes magazines

Panelist at Elle Impact

Panelist at She Leads India

Panelist at Entrepreneur India

Panelist for Times Of India

Speaker at Michigan University

Winner of the Influencer of the year by IWAA

Forbes Asia 30 under 30

On the cover Forbes India

Nominated for National creator awards

On the cover of Forbes magazines

Panelist at Elle Impact

Panelist at She Leads India

Panelist at Entrepreneur India

Panelist for Times Of India

Speaker at Michigan University

Winner of the Influencer of the year by IWAA

Forbes Asia 30 under 30

On the cover Forbes India

Nominated for National creator awards

On the cover of Forbes magazines

Panelist at Elle Impact

Panelist at She Leads India

Panelist at Entrepreneur India

Panelist for Times Of India

Speaker at Michigan University

Winner of the Influencer of the year by IWAA

Forbes Asia 30 under 30

On the cover Forbes India

Why Did She Write This Book?

“After analyzing thousands of questions from my followers, I identified the five critical gaps keeping young Indians from financial success: confusion between tax regimes, poor investment selection criteria, inadequate insurance coverage, ineffective budgeting systems, and debt mismanagement. That’s why I wanted to make it Actionable using  exact calculators, frameworks, and decision trees to solve these specific challenges.”

I did not this book to be just another PF book and that’s why I wrote this book

COD Available

That’s not it!

10+ Financial Calculators to MAKE SMARTER FINANCIAL DECISIONS INSTANTLY

Each calculator eliminates confusion and gives you confidence:

Sabbatical Calculator

Home Affordability Calculator

Rent-vs-Buying Home Calculator

Cost-Benefit Analysis Template

Car Affordability Calculator

Detailed Budget Planner

Retirement Calculator

Goal-Based Investment Calculator

Education-Cost (MBA) Calculator

Personal Budget Planner / Summary Dashboard

These sections guide you through the “how,” and the Budget + Goal Planning tools allow you to apply the information immediately.

What our readers achieve

I've read many financial books, but The Money Guide is the first one that gave me practical tools I could use immediately. The EMI calculator helped me save ₹3.5 lakhs on my home loan by choosing the right option

Aditya S

28, IT Professional

Before reading The Money Guide, I was clueless about investments. The mutual fund selection framework helped me start my first SIP confidently. I finally understand how to make my money work for me.

Priya M

32, Entrepreneur

The step-by-step approach makes complex topics so accessible. I've already recommended this to all my colleagues!

Vikram J

27, Marketing Executive

Finally, a book that simplifies money without the jargon. Every chapter felt like a conversation with a financially wise friend.

Aditi Sharma

Product Manager

This book made me rethink my spending habits—and actually start investing. Practical, relatable, and powerful.

Rahul Menon

Startup Founder

From budgeting to mutual funds, this is the personal finance guide I wish I had in my 20s.

Sneha Kulkarni

Marketing Consultant

If you are Serious about your Money,  and if you don’t read this book, we don’t know  what’s going to help! It’s now or Never!

This is the best interactive book you need to get started in your journey of personal finance.

With 100+ practical tools, tips, and expert advice all in one place.

Buy Digital Access

Read Ebooks on the Website/App

Buy Hard Copy

Read Ebooks on the Website/App

Frequently Asked Questions (FAQs)

General FAQs for Zebra Learn’s Books

Q: How is The Money Guide different from other personal finance books?
Q: I'm completely new to personal finance. Is this book too advanced for me?
Q: Does the book cover investment strategies?
Q: Will this book help me with tax planning?
Q: How can I access the calculators mentioned in the book?
Q: What's the difference between the digital and hard copy versions?
Q: Is COD (Cash on Delivery) available?

Launching India’s Most Actionable Personal Finance Book

1M+ people have leveled up their money management with Anushka

Written by Anushka Rathod
Forbes 30 Under 30 Asia 2024
7+
DIY financial tools
14
Chapters
4+
Checklists &
Worksheets

Featured in

Worked with

Nominated for National creator awards

On the cover of Forbes magazines

Panelist at Elle Impact

Panelist at She Leads India

Panelist at Entrepreneur India

Panelist for Times Of India

Speaker at Michigan University

Winner of the Influencer of the year by IWAA

Forbes Asia 30 under 30

On the cover Forbes India

Nominated for National creator awards

On the cover of Forbes magazines

Panelist at Elle Impact

Panelist at She Leads India

Panelist at Entrepreneur India

Panelist for Times Of India

Speaker at Michigan University

Winner of the Influencer of the year by IWAA

Forbes Asia 30 under 30

On the cover Forbes India

Nominated for National creator awards

On the cover of Forbes magazines

Panelist at Elle Impact

Panelist at She Leads India

Panelist at Entrepreneur India

Panelist for Times Of India

Speaker at Michigan University

Winner of the Influencer of the year by IWAA

Forbes Asia 30 under 30

On the cover Forbes India

Nominated for National creator awards

On the cover of Forbes magazines

Panelist at Elle Impact

Panelist at She Leads India

Panelist at Entrepreneur India

Panelist for Times Of India

Speaker at Michigan University

Winner of the Influencer of the year by IWAA

Forbes Asia 30 under 30

On the cover Forbes India

Nominated for National creator awards

On the cover of Forbes magazines

Panelist at Elle Impact

Panelist at She Leads India

Panelist at Entrepreneur India

Panelist for Times Of India

Speaker at Michigan University

Winner of the Influencer of the year by IWAA

Forbes Asia 30 under 30

On the cover Forbes India

Do these sound familiar to you?

You’re overwhelmed. You’re unable to manage your money, Or invest wisely. No matter how hard you try.

You’re Overwhelmed. And No Matter How Much You Try, You Cannot Save or Invest.

Here’s the Truth:

Seeing Northern Lights in Norway

Secure your family’s future buying a house

Building a stable life

Expectation
Reality

Only 2% Indians Actually Invest in Mutual Funds.

And that's a big opportunity because…

It means there is a huge potential market for growth and new investors.

Explore 100+ methods, tools, and tips to manage Your finances in your 20s and 30s.

Everything you need to know to start budgeting, investing, and managing money to give yourself the lifestyle you deserve.

Written by Content Creator and Personal Finance Educator.

Look What’s Inside the Book

Everything you need to know to start budgeting, investing, and managing money to give yourself the lifestyle you deserve.

section 1: get started

  • Understand what money is and how it can help with one’s lifestyle.
  • Money isn’t everything, and you should know how to balance life.
  • Most common money mistakes people make.
  • How one’s lifestyle can affect their outlook and ability to manage money.
  • How to fix the “I will start from Monday” attitude.

section 2: everyday money management

  • How to manage your day-to-day finances.
  • How to record your transactions and analyze where your money goes.
  • The Lazy Person’s method of making a budget and managing your money.

section 3: everything you are worried about

  • Understanding debt and how to pay it off.
  • Old Tax Regime vs. New Tax Regime
  • Credit card benefits and how to use it wisely.
  • All about buying and loaning a car
  • How should you go about buying your dream home

section 4: project

  • What an emergency fund is and how much it should be.
  • Things to consider before buying life and health insurance.
  • Why you should insure your family and secure their future.
  • How to get health insurance reimbursement for hospitalization.
  • Different types of life insurance and how to choose the right one.

section 5: grow

  • Understanding financial risk and how much risk you should take.
  • How to plan your financial goals
  • Understanding investment instruments like Fixed Deposits.
  • What are mutual funds and how do I pick the right one?
  • All about gold investments, real estate, and equity.
Section 1: Get Started
  • Understand what money is and how it can help with one’s lifestyle.
  • Money isn’t everything, and you should know how to balance life.
  • Most common money mistakes people make.
  • How one’s lifestyle can affect their outlook and ability to manage money.
  • How to fix the “I will start from Monday” attitude.
Section 2: Everyday Money Management
  • How to manage your day-to-day finances.
  • How to record your transactions and analyze where your money goes.
  • The Lazy Person’s method of making a budget and managing your money.
Section 3: Everything You Are Worried About
  • Understanding debt and how to pay it off.
  • Old Tax Regime vs. New Tax Regime
  • Credit card benefits and how to use it wisely.
  • All about buying and loaning a car
  • How should you go about buying your dream home
Section 4: protect
  • What an emergency fund is and how much it should be.
  • Things to consider before buying life and health insurance.
  • Why you should insure your family and secure their future.
  • How to get health insurance reimbursement for hospitalization.
  • Different types of life insurance and how to choose the right one.
Section 5: grow
  • Understanding financial risk and how much risk you should take.
  • How to plan your financial goals
  • Understanding investment instruments like Fixed Deposits.
  • What are mutual funds and how do I pick the right one?
  • All about gold investments, real estate, and equity.

Learn from an expert

Anushka Rathod is India's first short-form finance creator and the co-founder of the branding consultancy, The Influence Club. She is also the honoree of the Forbes 30 under 30 India and Asia list for the year 2024. The only creator to make it to both lists in the same year.

  • Leading voice in personal finance.
  • Forbes 30 Under 30 Asia and India honoree.
  • Popular finance content creator.
  • 2 million followers.
  • Known for innovative insights.
  • Interacted with thousands to understand finance concerns.
75+
Brands
1.9M
followers across platforms
5M+
People reached every month

More About Anushka

75+
Brands

2M
Followers across platforms

5M+
People reached every month

All Your ‘What’, ‘How’, and ‘Why’ Questions, Answered!

What is lifestyle inflation and its impact on savings?

What kind of deductions do you get in income tax?

What scholarships to apply for funding your Master’s?

What type of life insurance should you opt for?

What are capital gains bonds?

How to start analyzing spending money?

How to select between the old and new tax regime?

How to select a credit card?

How much emergency funds is enough for financial stability?

How are mutual funds managed and how do I select the right one?

Why is talking debts good at times.

Why you should have an emergency fund?

Why is a key replacement cover important for your car?

Why should you invest in family insurance?

Why does tracking your expenses matter?

Financial Transformation Begins in Just 24 Hours with The Money Guide

Kickstart your financial journey within a day! Here’s what you’ll find:

Avoid Common Pitfalls:

Discover the most common money mistakes people make

Smart Lifestyle Changes:

Learn how to manage your lifestyle without draining your savings

Be Prepared:

Understand how much money you need in your emergency fund

Save on Essentials:

Find out how to avoid paying extra for a new car key with Key Replacement Cover

70k+ Readers trust Zebra learn books

Your complete investment toolkit:

An All-in-One Guide with Mindset Tips, Self-Work Worksheets and Money-Saving Calculators

Develop a Wealth-Building Mindset

Money makes things easier in life.

Is buying a car necessary?

The need for emergency funds

What is risk and why should you take risks?

Winning Strategies and Tips

2 Strategies to Always Pay Credit Card Bills Before Due

2 Types of Real Estate Investment

5 Tips to Invest in Mutual Funds

2 Tips to Use Credit Cards Wisely

Hands-On Tools: Calculators and Worksheets

Budget Planner

Calculate Your Finances for Next MBA

Worksheet To Categorize Goals to Invest

Checklist To Choose the Best ETF/Index Fund

Get 7+ DIY worksheets for FREE!

The lazy method (page 42)

Goal based investment calculator (page 261)

MBA calculator (page 118)

The daily budget planner (page 36)

left-arrow
right-arrow

Is The Money Guide for You?

The Money Guide is your essential resource if you’re:

Ready to Invest: Want to learn how to invest in Fixed Deposits, Mutual Funds, Gold, or Real Estate.

Planning to Study Abroad: Need guidance on arranging and managing tuition fees and living expenses.

Buying Insurance: Seeking reliable information on health or life insurance amidst internet overload.

Tax Confused: Unsure about taxes, exemptions, and which tax regime to choose?

Buying a Car or House: Want to understand the process and financial aspects of big purchases.

Managing Everyday Expenses: Planning to manage rent, credit cards, and daily expenses more effectively.

New to the Workforce: Recently started working and need help managing your finances.

Sole Proprietor or Freelancer: Looking to master budgeting, taxes, and cash flow management.

This is the final step!
If You’re In Your 20s and 30s, trying to manage money better.

This is the best interactive book you need to get started in your journey of personal finance.

With 100+ practical tools, tips, and expert advice all in one place.

Buy Digital Access

Read Ebooks on the Website/App

Buy Hard Copy

Read Ebooks on the Website/App

Frequently Asked Questions (FAQs)

General FAQs for Zebra Learn’s Books

What makes The Money Guide different from the other books on personal finance?
Is this book suitable for people who do not understand financial terms?
Can I start managing my money right away?
This book seems very densely informative. What if I get confused and lost in so much information?
What are Ebooks/digital access?
How can I read e-books?

lIMITEd Period offer

Buy Digital Copy   ₹2999  ₹990

Read Ebooks on the Website/App

Buy Hard Copy   ₹3990  ₹1690

COD Available