{"id":6399,"date":"2021-01-01T10:50:50","date_gmt":"2021-01-01T05:20:50","guid":{"rendered":"http:\/\/capitalante.com\/?p=6399"},"modified":"2021-01-01T10:54:17","modified_gmt":"2021-01-01T05:24:17","slug":"personal-finance-books-india","status":"publish","type":"post","link":"https:\/\/capitalante.com\/personal-finance-books-india\/","title":{"rendered":"Top 21 Best Personal Finance Books India That You Must Read"},"content":{"rendered":"<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Financial freedom is the dream of an individual. But it is quite a hard task to perform. You need to understand the basics of personal finance i.e. how to handle money apart from income. You need not have to be an MBA in finance to understand the basics of personal finance to make the most out of one\u2019s income. If you are confused about how to manage, spend, and save the hard-earned money, here are the top 21 best personal finance books India that you must read. These books will help you to achieve financial freedom.<\/span><\/p>\n<h2><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #0000ff;\"><strong>Book #1. <\/strong><\/span><span style=\"font-size: 14pt; color: #0000ff;\"><span style=\"font-family: georgia, palatino, serif;\"><strong><span style=\"font-family: georgia, palatino, serif; font-size: 14pt;\">\u2018<\/span><\/strong><\/span><\/span><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #0000ff;\"><strong>Rich Dad Poor Dad<\/strong><\/span><span style=\"font-size: 14pt; color: #0000ff;\"><span style=\"font-family: georgia, palatino, serif;\"><strong>\u2019 <\/strong><\/span><\/span><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #0000ff;\"><strong>by Robert Kiyosaki<\/strong><\/span><\/h2>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Are you wealthy? If not, do you want to become wealthy in the future? If you want to become wealthy, learn how to manage the money. This is the must-read book for you to gain knowledge. Many a person has a common perception that their primary residence is an asset, but this isn&#8217;t true. Your primary residence is not an asset unless you give a part of the house on rent and earn passive income. In this book, the author emphasizes the following points,<\/span><\/p>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">How to think about work and money.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Many a person has a common perception that to get rich one needs to earn a high income. But this is not true. You need to learn how to manage your money.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">The present flawed education system creates only employees and puts adverse effect for an entrepreneur. In this book, the author describes that a higher education degree does not mean you are intelligent than the person with no degree.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">In addition,<\/span><\/h3>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">It is riskier to be an employee than being an entrepreneur. The common belief is that owning a business is riskier than being an employee. But by acquiring self-reliance skill an ordinary person can set up a successful venture which gives more independence and paves to achieve financial goals easily.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">The difference between assets and liabilities. The author describes rich people acquire assets, but the middle and the poor class people acquire liabilities. Even the poor don\u2019t know the fact that they are acquiring liabilities, not assets.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">How Fear and Greed dominate our money-related decisions. Suppose, you want to invest in any specific stock or a fund. You find a good stock with a 70% chance to double your money within one or two years, but a 30% chance of losing it all. A majority of investors will not invest the money in it owing to the fear of losing the money.<\/span><\/li>\n<\/ul>\n<ul style=\"list-style-type: square;\">\n<li><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.amazon.in\/gp\/product\/1612680194\/ref=as_li_qf_asin_il_tl?ie=UTF8&amp;tag=capitalante-21&amp;creative=24630&amp;linkCode=as2&amp;creativeASIN=1612680194&amp;linkId=27c4780c7316e33e436333f1d47ca1af\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span style=\"font-family: georgia, palatino, serif; color: #ff0000;\">Get the book from Amazon India<\/span><\/a><\/span><\/li>\n<\/ul>\n<h2><span style=\"font-size: 14pt; color: #0000ff;\"><span style=\"font-family: georgia, palatino, serif;\"><strong>Book #2. <span style=\"font-family: georgia, palatino, serif; font-size: 14pt;\">\u2018<\/span><\/strong><\/span><span style=\"font-family: georgia, palatino, serif;\"><strong>The Millionaire Next Door: The surprising secrets of America\u2019s Wealthy\u2019 by Thomas J Stanley<\/strong><\/span><\/span><\/h2>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">This book was compiled based on the statistical study of 1000 actual millionaires over 20 year periods who are not millionaires by inheritance property. They made this achievement by own efforts. The author discussed the following points in this book,<\/span><\/p>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">The difference between an ordinary mindset and the millionaire mindset.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">What millionaires think with real-life examples.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">People who earn high incomes are not rich due to failing to accumulate wealth. On the flip side, wealthy people lead a normal lifestyle instead of spendthrift shopping and frugal habits.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">The author advises that you need to live below your means. You need not spend lavishly to buy luxury items, and take extraordinary steps to save money.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">The millionaires follow a budget. They start investing from the first day of earning.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Most millennials think that financial independence is more important rather than displaying high social status by show off.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Choose the right occupation, because there is no magic list of occupation where there is a high possibility to become a millionaire easily. You can be successful with any type of business. You should start a venture because there are 4 times more chances to become a millionaire than being an employee.<\/span><\/li>\n<\/ul>\n<ul style=\"list-style-type: square;\">\n<li><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.amazon.in\/gp\/product\/1589795474\/ref=as_li_qf_asin_il_tl?ie=UTF8&amp;tag=capitalante-21&amp;creative=24630&amp;linkCode=as2&amp;creativeASIN=1589795474&amp;linkId=fc04e93853c0a247c86da977387bd325\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span style=\"font-family: georgia, palatino, serif; color: #ff0000;\">Get the book from Amazon India<\/span><\/a><\/span><\/li>\n<\/ul>\n<h2><span style=\"font-size: 14pt; color: #0000ff;\"><span style=\"font-family: georgia, palatino, serif;\"><strong>Book #3. <span style=\"font-family: georgia, palatino, serif; font-size: 14pt;\">\u2018<\/span><\/strong><\/span><span style=\"font-family: georgia, palatino, serif;\"><strong>I Will Teach You to be Rich\u2019 by Ramit Sethi<\/strong><\/span><\/span><\/h2>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Personal finance expert Ramit Sethi emphasizes that one common individual need not be a financial expert. But how the person leads the life matters the most. The book emphasizes the following points,<\/span><\/p>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Bursting various myths about credit cards i.e. how to choose and tips to use credit cards correctly.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">How to manage your debt and repayment of student loans faster than you think.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">How to maintain a budget so that it does not leave your pocket penny less. Here he recommends \u2018conscious spending plan\u2019. How to divide your spending into various categories and set limits for each of them.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Stocks, Mutual funds, and how to maintain your portfolio rebalancing. How to manage the desired corpus to buy a house or daughter\u2019s wedding.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Rash on useless spending and \u2018focus on the big wins\u2019 so that you can afford to spend the rest of your money on your wish and want guilt-free.<\/span><\/li>\n<\/ul>\n<ul style=\"list-style-type: square;\">\n<li><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.amazon.in\/gp\/product\/1523505745\/ref=as_li_qf_asin_il_tl?ie=UTF8&amp;tag=capitalante-21&amp;creative=24630&amp;linkCode=as2&amp;creativeASIN=1523505745&amp;linkId=4f7806c18cfb2b3f5cc058c05a802ad4\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span style=\"font-family: georgia, palatino, serif; color: #ff0000;\">Get the book from Amazon India<\/span><\/a><\/span><\/li>\n<\/ul>\n<h2><span style=\"font-size: 14pt; color: #0000ff;\"><span style=\"font-family: georgia, palatino, serif;\"><strong>Book #4. <\/strong><\/span><strong style=\"font-family: georgia, palatino, serif;\">\u2018Why didn\u2019t they Teach Me This in School: 99 Personal Money Management Principles to Live By\u2019 by Cary Siegel<\/strong><\/span><\/h2>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Unlike Math, Physics, History no school\/college offers courses on personal finance to the students. By reading this book you will learn various money management skills from various fields namely,<\/span><\/p>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Life lesson Principles \u2013 After getting your first paycheque you need to start managing your finances for long term financial goals and short term financial goals.<\/span><\/p>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Budgeting and Spending Techniques \u2013 Here you will learn how to prepare a budget and make various heads of spending, various saving technique i.e. by cutting expenses.\u00a0 Here the author has advised,<\/span><\/p>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">You should invest 50% of an increased salary,<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Save 90% of unexpected income,<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Prepare an emergency fund.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Investing \u2013 Before you start investing you should read various investment books at least one hour a day. After reading various books you will learn about balanced funds, index funds, growth\/value funds. Then you should start investment across various asset classes in accordance with your risk profile and time horizon.<\/span><\/p>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Insurance \u2013 Home and automobile insurance, Term insurance, etc.<\/span><\/p>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Mortgages \u2013 Definition, Meaning, types, etc.<\/span><\/p>\n<ul style=\"list-style-type: square;\">\n<li><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.amazon.in\/gp\/product\/1543294375\/ref=as_li_qf_asin_il_tl?ie=UTF8&amp;tag=capitalante-21&amp;creative=24630&amp;linkCode=as2&amp;creativeASIN=1543294375&amp;linkId=7d25f7289c0364cb178628be45d551da\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span style=\"font-family: georgia, palatino, serif; color: #ff0000;\">Get the book from Amazon India<\/span><\/a><\/span><\/li>\n<\/ul>\n<h2><span style=\"font-size: 14pt; color: #0000ff;\"><span style=\"font-family: georgia, palatino, serif;\"><strong>Book #5. <span style=\"font-family: georgia, palatino, serif; font-size: 14pt;\">\u2018<\/span><\/strong><\/span><strong style=\"font-family: georgia, palatino, serif;\">The Automatic Millionaire\u2019 by David Bach<\/strong><\/span><\/h2>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Do you dream about retire rich or have a goal to become a millionaire? \u2018The Automatic Millionaire\u2019 has two steps process to be rich. First of all concentrate on yourself. It means irrespective of your income just pay a regular investment of at least 20% of your income. For example, let\u2019s consider you earn Rs. 25,000\/- per month. Now if you pay Rs. 2000\/- per month for the upcoming 25 years then you will have a corpus of Rs. 1 crore assuming 15% return.<\/span><\/p>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Use the Latte Factor to save money. This means you need to save small expenses such as going to outside dinner at restaurants or changing the bike every three years with a new one. You need to consider your needs only. Rs. 100\/- a day i.e. Rs. 3000\/- per month can add up drastically when saved over 30years for your retirement.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">You need to automate your budget to all of your expenses, payments, bills, investment, etc. to reach automatically.<\/span><\/li>\n<\/ul>\n<ul style=\"list-style-type: square;\">\n<li><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.amazon.in\/gp\/product\/0767923820\/ref=as_li_qf_asin_il_tl?ie=UTF8&amp;tag=capitalante-21&amp;creative=24630&amp;linkCode=as2&amp;creativeASIN=0767923820&amp;linkId=377eabd68c59676dc46a93073b0a9b77\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span style=\"font-family: georgia, palatino, serif; color: #ff0000;\">Get the book from Amazon India<\/span><\/a><\/span><\/li>\n<\/ul>\n<h2><span style=\"font-size: 14pt; color: #0000ff;\"><span style=\"font-family: georgia, palatino, serif;\"><strong>Book #6. <span style=\"font-family: georgia, palatino, serif; font-size: 14pt;\">\u2018<\/span><\/strong><\/span><span style=\"font-family: georgia, palatino, serif;\"><strong>The Money Book for the Young, Fabulous, &amp; Broke\u2019 by Suze Orman<\/strong><\/span><\/span><\/h2>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">This book is for the attempt to give general personal finance ideas to generation Y i.e. who are in their 20\u2019s. The author covers the following points,<\/span><\/p>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">If you are not happy with your job, find some other job where you may see fit.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Students\u2019 loans are a quite handy investment because a college degree increases your earning potential substantially. You should try to repay the student loan if any as early as possible.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">The credit score i.e. what it means, how to get it, how to improve credit score, how to use a credit card in a sensible and sane manner.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">How to build and manage the emergency fund.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Make a retirement plan.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">How to make investment across various asset class i.e. stocks, Mutual funds, Index funds, etc.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Big-ticket purchases such as a home, car, etc.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">How to manage love and money.<\/span><\/li>\n<\/ul>\n<ul style=\"list-style-type: square;\">\n<li><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.amazon.in\/gp\/product\/1573222976\/ref=as_li_qf_asin_il_tl?ie=UTF8&amp;tag=capitalante-21&amp;creative=24630&amp;linkCode=as2&amp;creativeASIN=1573222976&amp;linkId=2d8edf6e522857dc7628dcfb789a7bd4\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span style=\"font-family: georgia, palatino, serif; color: #ff0000;\">Get the book from Amazon India<\/span><\/a><\/span><\/li>\n<\/ul>\n<h2><span style=\"font-size: 14pt; color: #0000ff;\"><span style=\"font-family: georgia, palatino, serif;\"><strong>Book #7. <span style=\"font-family: georgia, palatino, serif; font-size: 14pt;\">\u2018<\/span><\/strong><\/span><span style=\"font-family: georgia, palatino, serif;\"><strong>The Investment Answer\u2019 by Daniel C. Goldie and Gordon S. Murray<\/strong><\/span><\/span><\/h2>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Sometimes it is seen that many fund managers fail to deliver better returns whereas many individuals earn a steady return over the long term. This book is ideal for young investors to mitigate or cut losses. According to the author, one common individual need to address some common questions before investing,<\/span><\/p>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Should an investor invest money self or get help from an investment professional,<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">What should be the ideal asset allocation strategy among various asset classes i.e. stocks, bonds, gold, etc?<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">How to diversify the portfolio within the above mentioned broad asset classes.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">What is the perfect or ideal time to sell assets and when you should invest more?<\/span><\/li>\n<\/ul>\n<ul style=\"list-style-type: square;\">\n<li><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.amazon.in\/gp\/product\/1455503304\/ref=as_li_qf_asin_il_tl?ie=UTF8&amp;tag=capitalante-21&amp;creative=24630&amp;linkCode=as2&amp;creativeASIN=1455503304&amp;linkId=d6a359301d7c8d38af733934ffbb84d9\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span style=\"font-family: georgia, palatino, serif; color: #ff0000;\">Get the book from Amazon India<\/span><\/a><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: 14pt;\"><a href=\"http:\/\/capitalante.com\/wp-content\/uploads\/2019\/03\/Asset-allocation-strategy.png\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" class=\"aligncenter wp-image-5946 size-full\" src=\"http:\/\/capitalante.com\/wp-content\/uploads\/2019\/03\/Asset-allocation-strategy.png\" alt=\"Asset allocation strategy\" width=\"1920\" height=\"1080\" srcset=\"https:\/\/capitalante.com\/wp-content\/uploads\/2019\/03\/Asset-allocation-strategy.png 1920w, https:\/\/capitalante.com\/wp-content\/uploads\/2019\/03\/Asset-allocation-strategy-300x169.png 300w, https:\/\/capitalante.com\/wp-content\/uploads\/2019\/03\/Asset-allocation-strategy-768x432.png 768w, https:\/\/capitalante.com\/wp-content\/uploads\/2019\/03\/Asset-allocation-strategy-1024x576.png 1024w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/a><\/span><\/p>\n<h2><span style=\"font-size: 14pt; color: #0000ff;\"><span style=\"font-family: georgia, palatino, serif;\"><strong>Book #8. <span style=\"font-family: georgia, palatino, serif; font-size: 14pt;\">\u2018<\/span><\/strong><\/span><strong style=\"font-family: georgia, palatino, serif;\">The Science of Getting Rich\u2019 by Wallace Wattles<\/strong><\/span><\/h2>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">\u201cGive a man a fish to feed him for a day. Teach him how to fish, feed him for a lifetime.\u201d So concentrate on creating something new or realize your true potential before you offer a helping hand to others. According to the author to become a wealthy does not mean becoming wealthy in terms of money but also living a fulfilled life and tapping into your true potential. Since it was written in 1910 wattles focuses on the following topics,<\/span><\/p>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Visualization of what you want and take personal action \u00a0to fulfill your desires,<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">You are capable enough to execute the original thought you think about,<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">You can do the best in a business that you like and have the necessary skills. Anyone can get rich irrespective of a particular business.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">There are full of opportunity you have. You need to go with the tide instead of swimming against it.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Focus on creation rather than competition.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Think big and go for it.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Surround yourself with the best to become the best.<\/span><\/li>\n<\/ul>\n<ul style=\"list-style-type: square;\">\n<li><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.amazon.in\/gp\/product\/9382742697\/ref=as_li_qf_asin_il_tl?ie=UTF8&amp;tag=capitalante-21&amp;creative=24630&amp;linkCode=as2&amp;creativeASIN=9382742697&amp;linkId=ee10afd423f970375d080e0db838356e\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span style=\"font-family: georgia, palatino, serif; color: #ff0000;\">Get the book from Amazon India<\/span><\/a><\/span><\/li>\n<\/ul>\n<h2><span style=\"font-size: 14pt; color: #0000ff;\"><span style=\"font-family: georgia, palatino, serif;\"><strong>Book #9. <span style=\"font-family: georgia, palatino, serif; font-size: 14pt;\">\u2018<\/span><\/strong><\/span><strong style=\"font-family: georgia, palatino, serif;\">Secrets of Millionaire Mind\u2019 by T Harv Eker<\/strong><\/span><\/h2>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Have you noticed that some people are getting rich easily while a larger portion of the population is destined for a life of financial struggle? Is the difference owing to the education, intelligence, caste, skills, luck or choice of business or jobs or investments?<\/span><\/p>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">The shocking answer is none of the above. In this book, the author affirms the following points how any individual can become rich,<\/span><\/p>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Need to prepare personal money management blueprint which will determine your financial lives.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Wealth files i.e. a comprehensive guide to how rich people think and act apart from most of the poor and middle-class people. If the mentality is like that of a rich person any middle-class person can be rich too. If you follow the wealth files in the real world it can drastically accumulate wealth.<\/span><\/li>\n<\/ul>\n<ul style=\"list-style-type: square;\">\n<li><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.amazon.in\/gp\/product\/0749927895\/ref=as_li_qf_asin_il_tl?ie=UTF8&amp;tag=capitalante-21&amp;creative=24630&amp;linkCode=as2&amp;creativeASIN=0749927895&amp;linkId=3344072ab479b4d1bafec10d1cc062b2\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span style=\"font-family: georgia, palatino, serif; color: #ff0000;\">Get the book from Amazon India<\/span><\/a><\/span><\/li>\n<\/ul>\n<h2><span style=\"font-size: 14pt; color: #0000ff;\"><span style=\"font-family: georgia, palatino, serif;\"><strong>Book #10. <span style=\"font-family: georgia, palatino, serif; font-size: 14pt;\">\u2018<\/span><\/strong><\/span><strong style=\"font-family: georgia, palatino, serif;\">Money: Master the Game\u2019 by Toni Robbins<\/strong><\/span><\/h2>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">After the 2008 global financial crisis, the author Tony Robbins distilled the very best knowledge and wisdom following research and interview wrote a nearly 700-page classic. Here are the points the author emphasized in the book,<\/span><\/p>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">The exponential power of compound interest.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Pick the correct financial goals which help to attain financial freedom.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">All seasons portfolio allocation.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">How to avoid losses from investments.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">How to diversify the investment. Here the author mentions three categories namely Security bucket, Growth bucket, and Dream bucket. You should manage your finance in such a way that the income derives from the security bucket and growth bucket help you to fulfill your dream bucket in order to live the life you want.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">The author advised the common people to start investing even if the investment money is as small as Rs. 1000\/-. You should keep calm and need to be patient while investing for a fruitful outcome.<\/span><\/p>\n<ul style=\"list-style-type: square;\">\n<li><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.amazon.in\/gp\/product\/1471148610\/ref=as_li_qf_asin_il_tl?ie=UTF8&amp;tag=capitalante-21&amp;creative=24630&amp;linkCode=as2&amp;creativeASIN=1471148610&amp;linkId=711bd4b4062f2e039fcd239726e436f8\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span style=\"font-family: georgia, palatino, serif; color: #ff0000;\">Get the book from Amazon India<\/span><\/a><\/span><\/li>\n<\/ul>\n<h2><span style=\"font-size: 14pt; color: #0000ff;\"><span style=\"font-family: georgia, palatino, serif;\"><strong>Book #11. <span style=\"font-family: georgia, palatino, serif; font-size: 14pt;\">\u2018<\/span><\/strong><\/span><strong style=\"font-family: georgia, palatino, serif;\">Your Money or Your Life\u2019 by Vicki Robin &amp; Joe Dominguez<\/strong><\/span><\/h2>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">By reading the book I assure you that any individual starts thinking twice before the purchase of any stuff or services. Actually the writers emphasize financial independence by making use of common sense. By following the exact 9 step approach you can transform your relationship with money and consequently achieve financial freedom.<\/span><\/p>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Write down your entire credit card loan, EMI\u2019s, student loan or house loan. After that write down your assets, prepare a balance sheet to derive your net worth.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Keep track of every penny that comes and go out of your life. In this way, you can make peace with past loans and consequently start saving for your life goals. After doing this you have a clear idea of how much you spend on near and tear of the car, eating outside with your family, entertainment cost, etc.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: 14pt;\"><a href=\"http:\/\/capitalante.com\/wp-content\/uploads\/2019\/04\/How-much-should-you-spend-on-a-car-1.png\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" class=\"aligncenter wp-image-6075 size-full\" src=\"http:\/\/capitalante.com\/wp-content\/uploads\/2019\/04\/How-much-should-you-spend-on-a-car-1.png\" alt=\"20\/4\/10 Rule\" width=\"1024\" height=\"512\" srcset=\"https:\/\/capitalante.com\/wp-content\/uploads\/2019\/04\/How-much-should-you-spend-on-a-car-1.png 1024w, https:\/\/capitalante.com\/wp-content\/uploads\/2019\/04\/How-much-should-you-spend-on-a-car-1-300x150.png 300w, https:\/\/capitalante.com\/wp-content\/uploads\/2019\/04\/How-much-should-you-spend-on-a-car-1-768x384.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/span><\/p>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">After sorting out the expenses and income you need to figure out your real hourly wage. By doing this you are able to calculate how many additional hours to work in order to buy or afford the expenses such as buying a Smartphone or washing machine or LED TV.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">In the fourth step, you will realize whether you are earning enough in exchange for your life energy and time.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">In the fifth step, you need to create a line graph that compares your income and expenses over time.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">The sixth step you need to minimize spending and maximizing the value of income of your time and effort. In this section you will learn frugal living and how to live debt-free.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Finally<\/span><\/h3>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Re-evaluate your job and income. If the job does not fit then you can switch jobs by acquiring new skills that will enhance your income potential.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Start investing the money saved by frugal living. You will have to increase the investment amount in which you will cover your living expenses from the income from the investment.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">In the final step split the money into three parts namely Capital [invested amount], Cusion [the income derived from the investment i.e. dividend, capital gains], and Cache [the income derived from the investment which is spent on dreams]<\/span><\/li>\n<\/ul>\n<ul style=\"list-style-type: square;\">\n<li><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.amazon.in\/gp\/product\/0143115766\/ref=as_li_qf_asin_il_tl?ie=UTF8&amp;tag=capitalante-21&amp;creative=24630&amp;linkCode=as2&amp;creativeASIN=0143115766&amp;linkId=43437c315e4ed173639b265055510dc8\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span style=\"font-family: georgia, palatino, serif; color: #ff0000;\">Get the book from Amazon India<\/span><\/a><\/span><\/li>\n<\/ul>\n<h2><span style=\"font-size: 14pt; color: #0000ff;\"><span style=\"font-family: georgia, palatino, serif;\"><strong>Book #12. <span style=\"font-family: georgia, palatino, serif; font-size: 14pt;\">\u2018<\/span><\/strong><\/span><span style=\"font-family: georgia, palatino, serif;\"><strong>You\u2019re So Money\u2019 by Farnoosh Torabi<\/strong><\/span><\/span><\/h2>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">If you belong to those people who buy a handbag that costs more than $1000 then you must read this book repeatedly. In this book, the author Farnoosh Torabi emphasizes the consumeristic lifestyle and judging others with respect to lifestyle and show off. The book deals with the following points,<\/span><\/p>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">The individuals should take care of need at first such as retirement, insurance, an emergency fund, and housing before anything else.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Divide debt into two categories namely good debt [student loan, automobile debt] and bad debt [credit card debt, consumer loans].<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Practical advice on debt reduction plan, how to make use of credit cards to our advantage.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">4 specific options have been described in an easy to read and applicable way on \u2018how to buy stocks\u2019 for the people who are in their twenties.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">How to save to tackle unexpected events in life, because they are bound to happen.<\/span><\/li>\n<\/ul>\n<ul style=\"list-style-type: square;\">\n<li><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.amazon.in\/gp\/product\/0307406199\/ref=as_li_qf_asin_il_tl?ie=UTF8&amp;tag=capitalante-21&amp;creative=24630&amp;linkCode=as2&amp;creativeASIN=0307406199&amp;linkId=1f460de8280dab4f593a4e3b7e0f1757\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span style=\"font-family: georgia, palatino, serif; color: #ff0000;\">Get the book from Amazon India<\/span><\/a><\/span><\/li>\n<\/ul>\n<h2><span style=\"font-size: 14pt; color: #0000ff;\"><span style=\"font-family: georgia, palatino, serif;\"><strong>Book #13. <span style=\"font-family: georgia, palatino, serif; font-size: 14pt;\">\u2018<\/span><\/strong><\/span><strong style=\"font-family: georgia, palatino, serif;\">The Behaviour Gap\u2019 by Carl Richards<\/strong><\/span><\/h2>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Are you from those kinds of investors who buy stocks at a higher level and sell stocks at much lower than the buying price? Then you must read the book where the author describes various aspects of investing in an easy-to-read manner.<\/span><\/p>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Like any other novice investor, the author made mistakes while investing too. The author advised that mistakes play the most important role in our life. But after making a mistake you should review your mistake and avoid the mistake in life further. The author emphasizes that \u2018the perfect decision\u2019 about money is not possible every time. Do the best option you have, because most of the time that\u2019s enough. In addition, the author describes how our behaviour negatively affects our investment portfolio in lieu of financial analysts buy\/sell advice or 24-hour financial news channel with suggestions for the stocks to purchase or dump. The author explains how to analyze any information and suggests why we might ignore the information sometimes.<\/span><\/p>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">You need to learn when you should buy or sell any specific stock.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Invest all of your asset i.e. time and energy as well as save more wisely.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Avoid lavish spending on unnecessary things that don\u2019t matter.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Identify financial goals and invest in accordance with your risk profile and time horizon.<\/span><\/li>\n<\/ul>\n<ul style=\"list-style-type: square;\">\n<li><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.amazon.in\/gp\/product\/B005GSYXX6\/ref=as_li_qf_asin_il_tl?ie=UTF8&amp;tag=capitalante-21&amp;creative=24630&amp;linkCode=as2&amp;creativeASIN=B005GSYXX6&amp;linkId=e5e94ca4faf38c303ca1b48fc525c2aa\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span style=\"font-family: georgia, palatino, serif; color: #ff0000;\">Get the book from Amazon India<\/span><\/a><\/span><\/li>\n<\/ul>\n<h2><span style=\"font-size: 14pt; color: #0000ff;\"><span style=\"font-family: georgia, palatino, serif;\"><strong>Book #14. <span style=\"font-family: georgia, palatino, serif; font-size: 14pt;\">\u2018<\/span><\/strong><\/span><strong style=\"font-family: georgia, palatino, serif;\">Total Money Makeover\u2019 by Dave Ramsey<\/strong><\/span><\/h2>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">If you have a solid middle-class salary but have a living paycheque-to-paycheque and have debt also this book is a must-read. If you want to achieve the financial goals you need to sacrifice some things, work hard and focus. The author suggests the seven baby steps to lead a tension free life,<\/span><\/p>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Save $1000 as an emergency fund.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">After you achieve that target you should prepare a plan to get rid of the small amount of debt.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">After you are debt-free you need to create an emergency fund that will easily carry out your 6 months expenses.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Invest 15% to retirement funds.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Save for education cost of children.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Pay off big-ticket loans i.e. home loan, car loan, etc.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Invest the rest of the money after paying all the debts.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">There are various hurdles in the way of financial independence,<\/span><\/p>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Denial \u2013 many people deny that they have a problem with their own finances.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Debt myths \u2013 all the debts are always not healthy when you don\u2019t have a plan to reduce the debt i.e. eliminate quickly.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Ignorance \u2013 what everyone does consider that to be right.<\/span><\/li>\n<\/ul>\n<ul style=\"list-style-type: square;\">\n<li><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.amazon.in\/gp\/product\/1595555277\/ref=as_li_qf_asin_il_tl?ie=UTF8&amp;tag=capitalante-21&amp;creative=24630&amp;linkCode=as2&amp;creativeASIN=1595555277&amp;linkId=70fe5810b9b4c6459c8b080009231857\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span style=\"font-family: georgia, palatino, serif; color: #ff0000;\">Get the book from Amazon India<\/span><\/a><\/span><\/li>\n<\/ul>\n<h2><span style=\"font-size: 14pt; color: #0000ff;\"><span style=\"font-family: georgia, palatino, serif;\"><strong>Book #15. <span style=\"font-family: georgia, palatino, serif; font-size: 14pt;\">\u2018<\/span><\/strong><\/span><strong style=\"font-family: georgia, palatino, serif;\">Debt Free by 30\u2019 by Jason Anthony &amp; Karl Cluck<\/strong><\/span><\/h2>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Are you a working professional but you are still asking your parents for cash to make both ends meet? Are you young, smart and drowning in debt? If you are any one of the above then you must read the book. In this book, the authors offer a practical step by step plan to repay your debt and enhance your financial health. The author points out the following points to lead a debt-free living,<\/span><\/p>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">The seven mistakes you should avoid.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Make a financial roadmap and budget to track expenses and savings. You should write down in black and white that in which head all of your earnings are gone.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">How to save thousands of money in lieu of credit cards.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">How to spend less and various savings advice.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Take informative decisions on credit cards, health insurance, finding a car, etc.<\/span><\/li>\n<\/ul>\n<ul style=\"list-style-type: square;\">\n<li><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.amazon.in\/gp\/product\/0452282136\/ref=as_li_qf_asin_il_tl?ie=UTF8&amp;tag=capitalante-21&amp;creative=24630&amp;linkCode=as2&amp;creativeASIN=0452282136&amp;linkId=52d28f04d8682284ac84a7f87184c946\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span style=\"font-family: georgia, palatino, serif; color: #ff0000;\">Get the book from Amazon India<\/span><\/a><\/span><\/li>\n<\/ul>\n<h2 style=\"text-align: center;\"><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #0000ff;\"><strong>Top 6 Best Personal Finance Books India by Indian authors<\/strong><\/span><\/h2>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Needless to say that \u2018Rich Dad Poor Dad\u2019, \u2018The Millionaire Next Door\u2019, \u2018I Will Teach You to be Rich\u2019, \u2018Secrets of Millionaire Mind\u2019, etc. are the most popular books all over the world. Apart from the above-mentioned books there are various eye-popping books written by the Indian writers for the Indians. Here are the top 6 personal finance books written by Indian authors. These books will help you to manage your finance better.<\/span><\/p>\n<h3><span style=\"font-size: 14pt; color: #0000ff;\"><span style=\"font-family: georgia, palatino, serif;\"><strong>Book #16. <span style=\"font-family: georgia, palatino, serif; font-size: 14pt;\">\u2018<\/span><\/strong><\/span><strong style=\"font-family: georgia, palatino, serif;\">16 Personal Finance Principles Every Investor Should Know\u2019 by Manish Chouhan<\/strong><\/span><\/h3>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">The 7 chapter classic written by Manish Chouhan aware investors by making use of numerous examples and images\/tables to convey the core concept which really matters. The author focuses on the following points,<\/span><\/p>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">In the first chapter, the author describes the secrets of wealth creation by starting investment as early as possible.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">The second chapter consists of reasons to buy term insurance, how to calculate the term insurance amount.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">The step by step guide on how to set a goal has been described in the third chapter.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Chapter 4 \u2013 It is about the myths about the stock market, what will be proper Asset Allocation Strategy at different ages.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">In chapter 5 the author describes what to do with your hard-earned money, how to use money in order to attain financial freedom, what sacrifices you should do.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">The author advises how to make use of technology to keep your investment portfolio simple not complicated in chapter 6.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">In the seventh chapter, the author focuses on various points which will help a retail investor to attain financial freedom,<\/span><\/p>\n<ol>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Start living with 90% of your salary.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Make a budget and carry forward the budget.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Control excessive loans and careless spending.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Make an investment portfolio and keep a sharp eye on performance.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Don\u2019t invest to attain instant gratification.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Don\u2019t invest to minimize the tax burden.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Teach spouse and children about financial literacy.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Calculate the real return on investment once in a year.<\/span><\/li>\n<\/ol>\n<ul style=\"list-style-type: square;\">\n<li><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.amazon.in\/gp\/product\/B00JON618E\/ref=as_li_qf_asin_il_tl?ie=UTF8&amp;tag=capitalante-21&amp;creative=24630&amp;linkCode=as2&amp;creativeASIN=B00JON618E&amp;linkId=e979c8c868902949c4125b618c6f143f\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span style=\"font-family: georgia, palatino, serif; color: #ff0000;\">Get the book from Amazon India<\/span><\/a><\/span><\/li>\n<\/ul>\n<h3><span style=\"font-size: 14pt; color: #0000ff;\"><span style=\"font-family: georgia, palatino, serif;\"><strong>Book #17. <span style=\"font-family: georgia, palatino, serif; font-size: 14pt;\">\u2018<\/span><\/strong><\/span><strong style=\"font-family: georgia, palatino, serif;\">Retire, Rich, Invest \u2013 Rs. 40\/- a Day\u2019 by PV Subramanian<\/strong><\/span><\/h3>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Do you have any idea if you start earning at 24 and want to retire by 50 and live till 80 years of age then how much you need to invest? According to the author you need to invest just Rs. 40 a day as early as possible. This magic will be accomplished by making use of a proper asset allocation strategy. If you increase the amount i.e. Rs. 40 a day [1200 by month] by 10%, the total investment value will be Rs. 13.5 crore assuming 10% CAGR.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><a href=\"http:\/\/capitalante.com\/wp-content\/uploads\/2019\/01\/Top-5-Best-ELSS-funds-to-invest-in-India-2019-3.png\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" class=\"aligncenter wp-image-4442 size-full\" src=\"http:\/\/capitalante.com\/wp-content\/uploads\/2019\/01\/Top-5-Best-ELSS-funds-to-invest-in-India-2019-3.png\" alt=\"Comparison between Public Provident Fund and Equity Linked Savings Scheme\" width=\"748\" height=\"416\" srcset=\"https:\/\/capitalante.com\/wp-content\/uploads\/2019\/01\/Top-5-Best-ELSS-funds-to-invest-in-India-2019-3.png 748w, https:\/\/capitalante.com\/wp-content\/uploads\/2019\/01\/Top-5-Best-ELSS-funds-to-invest-in-India-2019-3-300x167.png 300w\" sizes=\"(max-width: 748px) 100vw, 748px\" \/><\/a><\/span><\/p>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">In this 29 chapter classic insights and gems are hidden,<\/span><\/p>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">The need of retirement,<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">What lifestyle you should carry out,<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">How to plan your retirement to lead a stress-free life post-retirement,<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Common mistakes you should avoid,<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Current financial status i.e. assets, liabilities you have and at what age you want to retire,<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Whom to support other than your spouse,<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">The cash flow post-retirement i.e. how you will manage your expenses post-retirement,<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Will the money which you have at the retirement age last longer than you and your spouse,<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">How much retirement corpus you need.<\/span><\/li>\n<\/ul>\n<ul style=\"list-style-type: square;\">\n<li><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.amazon.in\/gp\/product\/9387860310\/ref=as_li_qf_asin_il_tl?ie=UTF8&amp;tag=capitalante-21&amp;creative=24630&amp;linkCode=as2&amp;creativeASIN=9387860310&amp;linkId=418bda2a163e4124db009d1a7a63f760\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span style=\"font-family: georgia, palatino, serif; color: #ff0000;\">Get the book from Amazon India<\/span><\/a><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: 14pt;\"><a href=\"http:\/\/capitalante.com\/wp-content\/uploads\/2019\/10\/Personal-Finance-Books-India-Retirement-Planning.png\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" class=\"aligncenter wp-image-6404 size-full\" src=\"http:\/\/capitalante.com\/wp-content\/uploads\/2019\/10\/Personal-Finance-Books-India-Retirement-Planning.png\" alt=\"Retirement Planning\" width=\"800\" height=\"2000\" srcset=\"https:\/\/capitalante.com\/wp-content\/uploads\/2019\/10\/Personal-Finance-Books-India-Retirement-Planning.png 800w, https:\/\/capitalante.com\/wp-content\/uploads\/2019\/10\/Personal-Finance-Books-India-Retirement-Planning-120x300.png 120w, https:\/\/capitalante.com\/wp-content\/uploads\/2019\/10\/Personal-Finance-Books-India-Retirement-Planning-768x1920.png 768w, https:\/\/capitalante.com\/wp-content\/uploads\/2019\/10\/Personal-Finance-Books-India-Retirement-Planning-410x1024.png 410w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/span><\/p>\n<h3><span style=\"font-size: 14pt; color: #0000ff;\"><span style=\"font-family: georgia, palatino, serif;\"><strong>Book #18. <span style=\"font-family: georgia, palatino, serif; font-size: 14pt;\">\u2018<\/span><\/strong><\/span><strong style=\"font-family: georgia, palatino, serif;\">You can be Rich too\u2019 by PV Subramanian and M Pattabiraman<\/strong><\/span><\/h3>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">This book aims at making investment simple and logical for common retail investors. In this book, the common retail investors will learn,<\/span><\/p>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">How to calculate the net worth i.e. the current financial status at any certain time. The book will force the reader to think where he wants to see in the upcoming 20 or 30 years. After setting a reasonable goal you will learn how to prepare an income and expenditure i.e. cash flow stamen to reach the desired goal,<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">After selecting the desired goal the author has discussed the proper asset allocation strategy to reach out the desired goals,<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">How to invest in stocks to squeeze out the maximum returns from the portfolio,<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">How to choose best mutual funds according to fund house, index funds,<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">The insured amount of life insurance one needs to attain financial freedom.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">How to avoid mistakes that a common retail investor makes while investing. By reading this book a rookie can benefit immensely and kick start in the world of investing.<\/span><\/li>\n<\/ul>\n<ul style=\"list-style-type: square;\">\n<li><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.amazon.in\/gp\/product\/B01MXQ2MKA\/ref=as_li_qf_asin_il_tl?ie=UTF8&amp;tag=capitalante-21&amp;creative=24630&amp;linkCode=as2&amp;creativeASIN=B01MXQ2MKA&amp;linkId=168ef066ab616eb577cbca63c21342f7\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span style=\"font-family: georgia, palatino, serif; color: #ff0000;\">Get the book from Amazon India<\/span><\/a><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: 14pt;\"><a href=\"http:\/\/capitalante.com\/wp-content\/uploads\/2019\/10\/Personal-Finance-Books-India-Financial-Planning.png\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" class=\"aligncenter wp-image-6405 size-full\" src=\"http:\/\/capitalante.com\/wp-content\/uploads\/2019\/10\/Personal-Finance-Books-India-Financial-Planning.png\" alt=\"How to prepare an effective Financial Planning\" width=\"800\" height=\"2000\" srcset=\"https:\/\/capitalante.com\/wp-content\/uploads\/2019\/10\/Personal-Finance-Books-India-Financial-Planning.png 800w, https:\/\/capitalante.com\/wp-content\/uploads\/2019\/10\/Personal-Finance-Books-India-Financial-Planning-120x300.png 120w, https:\/\/capitalante.com\/wp-content\/uploads\/2019\/10\/Personal-Finance-Books-India-Financial-Planning-768x1920.png 768w, https:\/\/capitalante.com\/wp-content\/uploads\/2019\/10\/Personal-Finance-Books-India-Financial-Planning-410x1024.png 410w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/span><\/p>\n<blockquote><p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Read also:<span style=\"color: #ff0000;\"> <a style=\"color: #ff0000;\" href=\"https:\/\/www.quora.com\/Are-there-any-good-books-on-managing-personal-finance-in-india\" target=\"_blank\" rel=\"noopener noreferrer\">Are there any good books on managing personal finance in India?<\/a><\/span><\/span><\/p><\/blockquote>\n<h3><span style=\"font-size: 14pt; color: #0000ff;\"><span style=\"font-family: georgia, palatino, serif;\"><strong>Book #19. <span style=\"font-family: georgia, palatino, serif; font-size: 14pt;\">\u2018<\/span><\/strong><\/span><strong style=\"font-family: georgia, palatino, serif;\">From the Rat Race to Financial Freedom\u2019 by Manoj Arora<\/strong><\/span><\/h3>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">This book is not just a book. It is a journey of the author to attain financial freedom. With real-life examples and elusive examples, the author mentors and guides common men to attain financial independence. The book comprises 8 sections where the author emphasizes the following points,<\/span><\/p>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">An MBA degree is not necessary to get financial freedom. All you need is to visualize your financial goal, and have the passion and a roadmap to achieve the goal.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Basic financial calculations such as Dollar-cost averaging and Rule of 72, how to manage investment portfolio across various asset classes.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">There are various investment options such as PPF, VPF, Gold, Stocks, Mutual Funds, Real estate, etc. You need to consider the time horizon and risk profile of the asset class before investment.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Principles of wealth accumulation i.e. the power of compounding, how the power of compounding benefit if you start early, invest regularly or increase your investment regularly with respect to your income.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">The author emphasizes to take action. If you just read the book and no action is taken, this will lead nothing and the entire knowledge will end in smoke. If you do not start investment early and increase your investment amount regularly you will be far away from your desired corpus after retirement.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">By reading this book you will learn how you will make use of various tax deductions and exemptions to escape a fruitful tax burden.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">When to say goodbye to your 9 to 5 job schedule after you attain financial freedom.<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">The feeling of an individual attaining financial freedom.<\/span><\/li>\n<\/ul>\n<ul style=\"list-style-type: square;\">\n<li><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.amazon.in\/gp\/product\/B00CP453MY\/ref=as_li_qf_asin_il_tl?ie=UTF8&amp;tag=capitalante-21&amp;creative=24630&amp;linkCode=as2&amp;creativeASIN=B00CP453MY&amp;linkId=6031bc43300437c06f8eef309dd04932\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span style=\"font-family: georgia, palatino, serif; color: #ff0000;\">Get the book from Amazon India<\/span><\/a><\/span><\/li>\n<\/ul>\n<h3><span style=\"color: #0000ff;\"><span style=\"font-size: 14pt;\"><span style=\"font-family: georgia, palatino, serif;\"><strong>Book #20. <\/strong><\/span><\/span><span style=\"font-size: 14pt;\"><span style=\"font-family: georgia, palatino, serif;\"><strong><span style=\"font-family: georgia, palatino, serif; font-size: 14pt;\">\u2018<\/span><\/strong><\/span><\/span><span style=\"font-size: 14pt;\"><strong style=\"font-family: georgia, palatino, serif;\">Moneywise \u2013 The Aam Aadmi\u2019s Guide to Wealth &amp; Financial Freedom\u2019 by Sharath Komarraju<\/strong><\/span><\/span><\/h3>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Are you from those people who obsess about money and yet do not discuss money matters with your family or friends without hesitation? Do you know inflation is just a tool on the poor in favour of the rich? If you are not aware you must read the book repeatedly. Then this book just brings a breath of fresh air about how much you have, how much you need etc. The author of the book has given the answer to the following questions,<\/span><\/p>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Where does the money come from<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Why do prices go up on a yearly basis<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">How to get rid of the vicious circle of debt<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Should you start investing in the stock market<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">What is the value of gold in the financial system or market<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">How to make an ideal portfolio across various asset classes i.e. asset diversification.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">The author of the book explains the above-mentioned topics in such an easy-to-read manner that hardcore finance professional or a complete newbie will understand easily and attain something positive to take away from the book.<\/span><\/p>\n<ul style=\"list-style-type: square;\">\n<li><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.amazon.in\/gp\/product\/B00XKW8KXY\/ref=as_li_qf_asin_il_tl?ie=UTF8&amp;tag=capitalante-21&amp;creative=24630&amp;linkCode=as2&amp;creativeASIN=B00XKW8KXY&amp;linkId=454a4151fc988ed85dbf6ef903a3a3ef\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span style=\"font-family: georgia, palatino, serif; color: #ff0000;\">Get the book from Amazon India<\/span><\/a><\/span><\/li>\n<\/ul>\n<h3><span style=\"font-size: 14pt; color: #0000ff;\"><span style=\"font-family: georgia, palatino, serif;\"><strong>Book #21. <span style=\"font-family: georgia, palatino, serif; font-size: 14pt;\">\u2018<\/span><\/strong><\/span><strong style=\"font-family: georgia, palatino, serif;\">The Richest Engineer\u2019 by Abhishek Kumar<\/strong><\/span><\/h3>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">In his maiden novel the author, Abhishek Kumar first asks few questions namely,<\/span><\/p>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Why some portion of people are financially stable i.e., accumulate wealth easily?<\/span><\/li>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Is it a big salary job or their good luck or higher qualifications or brilliance that makes this happen?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Here the author says the above are not the reasons behind their financial independence. In this book, the author explains the timeless wisdom of wealth creation and accumulation. Here the author describes how any individual can become a millionaire irrespective of where they are in life right now. The author has cited some real-life examples to describe the same.<\/span><\/p>\n<ul style=\"list-style-type: square;\">\n<li><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.amazon.in\/gp\/product\/B07MWCRYL7\/ref=as_li_qf_asin_il_tl?ie=UTF8&amp;tag=capitalante-21&amp;creative=24630&amp;linkCode=as2&amp;creativeASIN=B07MWCRYL7&amp;linkId=c66c180a00bff95a854efe6fa7d702dd\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span style=\"font-family: georgia, palatino, serif; color: #ff0000;\">Get the book from Amazon India<\/span><\/a><\/span><\/li>\n<\/ul>\n<h3><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #0000ff;\"><strong>How Capitalante can help you<\/strong><\/span><\/h3>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Are you confused about how to prepare a stock portfolio to achieve financial freedom? If yes, learn<span style=\"color: #ff0000;\">\u00a0<a style=\"color: #ff0000;\" href=\"https:\/\/www.stockbounty.com\/multibagger-stocks\/\" target=\"_blank\" rel=\"noopener\">how to pick the best stocks to buy for the long run<\/a>.<\/span><\/span><\/p>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt;\"><a href=\"https:\/\/www.stockbounty.com\/financial-planning-e-book\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" class=\"aligncenter wp-image-6837 size-full\" src=\"https:\/\/capitalante.com\/wp-content\/uploads\/2020\/03\/Financial-Planning-eBook.png\" alt=\"Financial Planning eBook\" width=\"728\" height=\"90\" srcset=\"https:\/\/capitalante.com\/wp-content\/uploads\/2020\/03\/Financial-Planning-eBook.png 728w, https:\/\/capitalante.com\/wp-content\/uploads\/2020\/03\/Financial-Planning-eBook-300x37.png 300w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/a><\/span><\/p>\n<p><a href=\"https:\/\/www.amazon.in\/gp\/product\/B085WQ4XMX\/ref=as_li_qf_asin_il_tl?ie=UTF8&amp;tag=capitalante-21&amp;creative=24630&amp;linkCode=as2&amp;creativeASIN=B085WQ4XMX&amp;linkId=b152d98066e5d7b9cd53f6842c9efa86\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" class=\"aligncenter wp-image-6856 size-full\" src=\"http:\/\/capitalante.com\/wp-content\/uploads\/2020\/03\/Financial-Planning-eBook-1.png\" alt=\"Financial Planning eBook\" width=\"728\" height=\"90\" srcset=\"https:\/\/capitalante.com\/wp-content\/uploads\/2020\/03\/Financial-Planning-eBook-1.png 728w, https:\/\/capitalante.com\/wp-content\/uploads\/2020\/03\/Financial-Planning-eBook-1-300x37.png 300w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/a><\/p>\n<ul>\n<li><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #000000;\">Read also: <span style=\"color: #ff0000;\"><a style=\"color: #ff0000;\" href=\"http:\/\/capitalante.com\/stock-market-books-india\/\" target=\"_blank\" rel=\"noopener noreferrer\">Top 21 Stock Market Books Must Read Right Now in India<\/a><\/span><\/span><\/li>\n<li><span style=\"font-size: 14pt;\"><span style=\"font-family: georgia, palatino, serif; color: #000000;\"><span style=\"font-family: georgia, palatino, serif; color: #000000;\">Read also: <\/span><\/span><span style=\"font-family: georgia, palatino, serif; color: #ff0000;\"><a style=\"color: #ff0000;\" href=\"http:\/\/capitalante.com\/stock-market-books\/\" target=\"_blank\" rel=\"noopener noreferrer\">Top 25 Stock Market Books Every Investor Must Read<\/a><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: georgia, palatino, serif; font-size: 14pt; color: #0000ff;\">These are the some best personal finance books in India for beginners. Feel free to suggest any other personal finance books India which I missed in this column.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Financial freedom is the dream of an individual. But it is quite a hard task to perform. You need to understand the basics of personal finance i.e. how to handle money apart from income. You need not have to be &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Top 21 Best Personal Finance Books India That You Must Read\" class=\"read-more button\" href=\"https:\/\/capitalante.com\/personal-finance-books-india\/#more-6399\">Continue Reading<span class=\"screen-reader-text\">Top 21 Best Personal Finance Books India That You Must Read<\/span><\/a><\/p>\n","protected":false},"author":6,"featured_media":7889,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[15],"tags":[],"_links":{"self":[{"href":"https:\/\/capitalante.com\/wp-json\/wp\/v2\/posts\/6399"}],"collection":[{"href":"https:\/\/capitalante.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/capitalante.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/capitalante.com\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/capitalante.com\/wp-json\/wp\/v2\/comments?post=6399"}],"version-history":[{"count":0,"href":"https:\/\/capitalante.com\/wp-json\/wp\/v2\/posts\/6399\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/capitalante.com\/wp-json\/wp\/v2\/media\/7889"}],"wp:attachment":[{"href":"https:\/\/capitalante.com\/wp-json\/wp\/v2\/media?parent=6399"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/capitalante.com\/wp-json\/wp\/v2\/categories?post=6399"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/capitalante.com\/wp-json\/wp\/v2\/tags?post=6399"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}