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Kaushik Sarkar
Feb 25, 202313 min read


𝗡𝗢𝗧 𝗔𝗟𝗟 𝗛𝗨𝗦𝗧𝗟𝗘𝗥𝗦 𝗔𝗥𝗘 𝗪𝗜𝗡𝗡𝗜𝗡𝗚
"For some, chaos feels like peace," someone in his early 40s once told me. A man who believed in, the “𝘄𝗼𝗿𝗸 𝗵𝗮𝗿𝗱, 𝗽𝗮𝗿𝘁𝘆...

Kaushik Sarkar
20 hours ago2 min read


𝗛𝗜𝗚𝗛 𝗜𝗡𝗖𝗢𝗠𝗘 𝗪𝗜𝗧𝗛𝗢𝗨𝗧 𝗙𝗥𝗘𝗘𝗗𝗢𝗠 𝗜𝗦 𝗡𝗢𝗧𝗛𝗜𝗡𝗚 𝗠𝗢𝗥𝗘 𝗧𝗛𝗔𝗡 𝗔 𝗚𝗢𝗟𝗗𝗘𝗡 𝗖𝗔𝗚𝗘.
We live in a world where people think long hours and a fat salary automatically mean you have 𝘸𝘰𝘯 𝘵𝘩𝘦 𝘨𝘢𝘮𝘦. The fancier your...

Kaushik Sarkar
20 hours ago2 min read


𝗟𝗢𝗢𝗞𝗜𝗡𝗚 𝗥𝗜𝗖𝗛 𝗜𝗦 𝗘𝗔𝗦𝗬. 𝗕𝗘𝗜𝗡𝗚 𝗥𝗜𝗖𝗛 𝗜𝗦 𝗥𝗔𝗥𝗘.
Your 𝘮𝘰𝘯𝘦𝘺 should buy you 𝘧𝘳𝘦𝘦𝘥𝘰𝘮, not just a lifestyle. The real question: 𝗔𝗿𝗲 𝘆𝗼𝘂 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝘄𝗲𝗮𝗹𝘁𝗵… 𝗼𝗿...

Kaushik Sarkar
4 days ago2 min read


𝗦𝗨𝗖𝗖𝗘𝗦𝗦 𝗜𝗦𝗡’𝗧 𝗝𝗨𝗦𝗧 𝗦𝗔𝗖𝗥𝗜𝗙𝗜𝗖𝗘—𝗜𝗧’𝗦 𝗦𝗨𝗦𝗧𝗔𝗜𝗡𝗔𝗕𝗜𝗟𝗜𝗧𝗬 𝗜𝗡 𝗘𝗩𝗘𝗥𝗬 𝗥𝗢𝗟𝗘
We’ve all seen this picture. And many of us have 𝘭𝘪𝘷𝘦𝘥 it. 🔨 Focus. 📆 Consistency. 💥 Pain. 💪 Discipline. 🛑 Sacrifice. 😔...

Kaushik Sarkar
Aug 83 min read


Anyone Can Earn. Few Know How to Multiply and Preserve.
THE RICH DON’T JUST BUILD WEALTH — THEY PROTECT IT. And this mindset changed everything for me. I used to think wealth was all about...

Kaushik Sarkar
Aug 52 min read


𝗧𝗛𝗘 𝗛𝗔𝗥𝗦𝗛 𝗧𝗥𝗨𝗧𝗛: 𝗘𝗔𝗥𝗡𝗜𝗡𝗚 𝗠𝗢𝗥𝗘 𝗪𝗢𝗡’𝗧 𝗦𝗘𝗧 𝗬𝗢𝗨 𝗙𝗥𝗘𝗘. 𝗧𝗛𝗜𝗦 𝗪𝗜𝗟𝗟.
40% TAX. FULL EFFORT. ZERO LEVERAGE. 👨💼 𝘛𝘩𝘦 𝘌𝘮𝘱𝘭𝘰𝘺𝘦𝘦'𝘴 𝘎𝘳𝘪𝘯𝘥. DEPRECIATION. CASHFLOW. COMPOUNDING. 📈 𝘛𝘩𝘦...

Kaushik Sarkar
Aug 42 min read


🌅𝗦𝗟𝗢𝗪 𝗠𝗢𝗥𝗡𝗜𝗡𝗚𝗦. 𝗙𝗥𝗘𝗘 𝗠𝗜𝗡𝗗. 𝗖𝗟𝗘𝗔𝗥 𝗩𝗜𝗦𝗜𝗢𝗡.
My mornings don’t begin with alarms anymore. They begin with 𝗶𝗻𝘁𝗲𝗻𝘁𝗶𝗼𝗻. A quiet cup of coffee. A few deep breaths. And a moment...

Kaushik Sarkar
Aug 42 min read


𝗡𝗢𝗧 𝗔𝗟𝗟 𝗛𝗨𝗦𝗧𝗟𝗘𝗥𝗦 𝗔𝗥𝗘 𝗪𝗜𝗡𝗡𝗜𝗡𝗚
"For some, peace is in isolation...for others, it’s in chaos," someone in his early 40s once told me. He was the “𝘄𝗼𝗿𝗸 𝗵𝗮𝗿𝗱,...

Kaushik Sarkar
Jul 182 min read


𝗧𝗛𝗜𝗡𝗚𝗦. 𝗦𝗞𝗜𝗟𝗟𝗦. 𝗧𝗜𝗠𝗘. 𝗖𝗛𝗢𝗢𝗦𝗘 𝗪𝗜𝗦𝗘𝗟𝗬.
I came across this thought-provoking image recently, and it struck a deep chord. It perfectly captures a truth we often overlook in the...

Kaushik Sarkar
Jul 112 min read


More Than Medicine: A Story of Gratitude That Created a Lifelong Bond
We often look at doctors — especially senior surgeons — as larger-than-life. Calm under pressure, emotionally composed, always in...

Kaushik Sarkar
Jul 72 min read


How to Manage Debt Like a Pro
1. Track Every Rupee 💸 “What gets measured gets managed.” – Peter Drucker Use apps or a simple spreadsheet. Know what you owe, to...

Kaushik Sarkar
Jul 72 min read


Financial “rules of thumb”
There’s no one-size-fits-all in personal finance, but certain rules of thumb can help simplify decision-making and build long-term...

Kaushik Sarkar
Jul 73 min read


𝗪𝗛𝗔𝗧 𝗜 𝗪𝗜𝗦𝗛 𝗦𝗖𝗛𝗢𝗢𝗟𝗦 𝗧𝗔𝗨𝗚𝗛𝗧 𝙈𝙀 𝗔𝗕𝗢𝗨𝗧 𝗟𝗜𝗙𝗘
Schools | Education System | Teachings

Kaushik Sarkar
Jul 33 min read


𝗧HE 𝗛IDDEN COST OF OVERESTIMATING OURSELVES
𝘐’𝘷𝘦 𝘧𝘰𝘶𝘯𝘥—𝘦𝘷𝘦𝘯 𝘪𝘯 𝘮𝘺 𝘰𝘸𝘯 𝘫𝘰𝘶𝘳𝘯𝘦𝘺—𝘵𝘩𝘢𝘵 𝘪𝘵’𝘴 𝘦𝘢𝘴𝘺 𝘵𝘰 𝘢𝘴𝘴𝘶𝘮𝘦 𝘭𝘪𝘧𝘦 𝘸𝘪𝘭𝘭 𝘬𝘦𝘦𝘱...

Kaushik Sarkar
Jul 31 min read


Two Paths to Your FIRE Corpus
Objective : Goal : Build enough wealth by 45 so that you never have to work for money again Approach : Save & invest wisely for 22 years...

Kaushik Sarkar
Jul 12 min read
Alternative Path to Corpus Calculation
The SWR Is Based on Life Expectancy Models The famous 4% Rule (or 3.5% for conservative planning) comes from the Trinity Study , which...

Kaushik Sarkar
Jul 12 min read


Earn Smart. Save Hard. Invest Right. Live Free. — The Proven Indian FIRE Path
The principles of FIRE — financial independence, intentional living, aggressive saving, long-term investing — are universal. But in...

Kaushik Sarkar
Jun 304 min read


Financial Independence, Retire Early
Financial Independence, Retire Early It’s not just a financial strategy. It’s a lifestyle revolution , a mindset shift , and a growing...

Kaushik Sarkar
Jun 302 min read


"𝗙𝗿𝗶𝗱𝗮𝘆 𝗙𝗲𝘃𝗲𝗿: 𝗧𝗵𝗲 𝗙𝗿𝗲𝗲𝗱𝗼𝗺 𝗪𝗲 𝗖𝗿𝗮𝘃𝗲, 𝗧𝗵𝗲 𝗙𝘂𝗹𝗳𝗶𝗹𝗺𝗲𝗻𝘁 𝗪𝗲 𝗖𝗵𝗮𝘀𝗲"
𝙄𝙩’𝙨 𝙁𝙧𝙞𝙙𝙖𝙮. That magical time when even the clock seems a little more merciful. Emails sound less urgent, the boss cracks a...

Kaushik Sarkar
Jun 272 min read
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