Money Management 101
Earn · Manage · Protect · Grow
A 2-hour activity-based session where you do the heavy lifting with Excel worksheets. Leave knowing exactly where your money should go - and with a calculator to run the numbers on your own policies.
Taught by CA Kanan Bahl · Hosted by Nandini Agrawal
Who's Teaching
Chartered Accountant, personal finance expert, and financial researcher. Kanan breaks down complex money decisions into frameworks anyone can act on.
Guinness World Record Holder for World's Youngest Female CA. Educator to 1M+ across social media. She hosts the workshop and opens with her personal savings story from the Earn module.
Who It's For
Anyone who earns but hasn't figured out a system for what happens next.
You want a system, not just guilt.
Endowment or ULIP your uncle recommended. You've never run the numbers.
'Which fund' has paralysed you for two years.
You want one clear framework, not more content.
What We Cover
2 hours, activity-based. You work through Excel worksheets as we go, with Q&A woven throughout.
Your savings rate matters more than your returns for the first 10 years. Nandini shares her own story of how a high savings rate funded her move to entrepreneurship. Everyone writes down their real monthly investable surplus - the number the rest of the session builds on.
Emergency fund of 6-12 months in a liquid fund. Three-account system with auto-transfer on salary day so spending limits itself. Clear any debt above 10-12% before investing a single rupee - the maths always wins here.
Term and health insurance only. Live XIRR demo on a real endowment policy: ₹1.5L premium × 10 years, ₹25L maturity at year 20 = 4.89% return. Same money in PPF/EPF at 7.1%/8.25% grows far faster. Then the honest caveats - tax benefits are real, forced discipline has value, and surrendering an existing policy isn't automatically correct.
Five buckets and what each is actually for: equity, debt, gold, real estate, cash. Six equity funds is not diversification. Allocation decides the outcome; fund selection barely moves it.
Everyone commits to one action in writing before leaving. You walk out with a 3-tab IRR calculator sheet - Endowment, ULIP, and Term-vs-Invest - so you can run the numbers on your own policies that evening.
Endowment · ULIP · Term-vs-Invest. Run the numbers on your own policies that evening.
By the end of this session
What You Walk Out With
FAQ
Still have questions? Email levelup@nagrawal.com
Two hours from now, you'll have a plan.
August 23 · 2:00 PM · Online
Recording included for 6 months