Capital Markets trader. Ex-banker. Payments & Fintech consultant.

Passionate about solving problems, building products, organizing data, and producing lists.

Proud father and husband. Vegetarian. Right-of-left. Love cricket, movies, music, food, culture.

Pro child rights and women’s empowerment — less patriarchy, more dignity, and choices for everyone.

Felt the need to provide unbiased systems to assess things. Now building products to make it easier for passionate fans to navigate the usual noise. More domains planned.

Love what you do. Do what you love. Make sure at least one is true if you want to be truly happy.

People desire two things: respect you give and value you provide. Applies to relationships, business, entertainment—everything involving humans.

Two eternal truths: (1) No one other than your Mom wants you to be safer and healthier than her. (2) No one other than your Pop wants you to be more successful and well-known than him.

It’s more prudent to invest time and wealth in family (and pets) than in almost anyone else. They’re the real long-term holders.

The biggest mirage: chasing non-you approval. It rarely happens—and it matters even less.

Your thoughts won’t pay your bills. Your work will. Your relationships will. Your place in the world will. Practical beats ideal.

• “The truest form of intelligence is designing the life that you want to live.” — ~Naval Ravikant
• “The future belongs to those who believe in the beauty of their dreams.” — Eleanor Roosevelt
• “You miss 100% of the shots you don’t take.” — Wayne Gretzky
• “If you build it, they will come.” — ~Field of Dreams/W. P. Kinsella
• “I fear not the man who has practiced 10,000 kicks once, but I fear the man who has practiced one kick 10,000 times.” — Bruce Lee

To be well-off or financially independent — choose one of the two:

(A) START-UP — the best one. Start something- small business / startup (doesn't really matter as long as you are committed fully), deliver high quality consistently at a reasonable price, reinvest time/sweat/profits, and let wealth compound.

(B) START EARLY — earn as much as you can (switch city/profession if needed), spend as little as you can while living comfortably, and make smart compromises.

Put everything saved (earnings − expenses) into three buckets: emergency fund, insurance payouts, and investments. The first two are critical and must not be confused with investments.

Invest systematically into low-cost index funds of a secular bullish market with a stable political environment and capitalistic economic environment -- economies which are heavily focused on using technology and willing to invest in the same and/or the ones with demographic capital advantages-- US, China, India some examples. If adventurous: allocate and rotate a small sleeve to undervalued asset classes with secular growth (only when in technical uptrend) for 2–3 year acceleration—while keeping the core thesis intact.

Disclaimer: Not financial advice. This is what I would do given a chance again.