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Are you guilty yet?

My friend recently told me the superb 30% returns he got from stocks last week. My other colleague was discussing how the future college costs would be around $350,000 for a 4 years course. I read somewhere the rising cost of healthcare or even of raising a child! On a lazy weekend, when I sit sipping my morning coffee and recalling these conversations, I sometimes feel a shiver run down my spine.

I feel guilty. 

I feel guilty that I might not be on the right track to confidently say if I am saving and investing enough. A lot of what-if questions arise. I feel guilty, that though with gods grace I am working in a full-time job with a pay check coming at the end of every month, perhaps the saving is not invested in the most efficient manner.

Every now and then I do read personal finance blogs, articles, investment blogs, view what others have to say on video channels, but then I feel guilty that I did not act to do something tangible with any little money which I might have lying idle in my bank account. I know that even $50 invested each month, would go a long way by the power of compounding.

I feel guilty that by not investing my little savings, I might be putting my families future at stake. I know I can begin with simple tips to invest, but that needs to start somewhere and someday.

With these thoughts, I put this blog in place to document my thoughts on what I learn related to managing personal finances better. The target audience for my writing is not the financially savvy people who dabble in stocks on a daily basis, but those of us who have heard of concepts such as IRA, 401K, Robinhood, Wealthfront etc. but are not sure where to start or if we are on the right track.

I might also be writing about my small learnings over time which helps to make better use of our savings by using tools and services available to us.


I am not a financial, legal or tax expert and not providing financial advice. My thoughts should not be the sole basis of your investment strategy, and should, at best, serve as a catalyst to your financial research. I am not liable if you follow the steps I describe and incur a loss on your portfolio.

I am a software engineer sharing my learnings, opinions and my thoughts which may or may not work for you. Each person's financial world is unique, and you should consult a financial expert such as a CFA to design your investment strategy and assess your unique requirements. I may talk about the returns achieved due to some investment strategy or portfolio, but that is something which I experienced at a particular slice of time. Your returns could be very different from what I experienced. The stock market, and hence mutual funds, index funds etc. are all volatile, where past performance is not an indication of future performance.

The information found on this blog is not a substitute for professional advice and I cannot guarantee the accuracy, reliability or completeness of the information presented.


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