Financial Planning Resources

Free Resource

Financial Well-Being

Building Prosperity, Security & Peace of Mind

A practical guide for Indian salaried professionals

Financial well-being is not about earning more — it is about making smart decisions with what you already earn. This page provides free resources from our Financial Well-Being workshop: a comprehensive slide deck and a personal financial planner worksheet you can fill in privately and keep for yourself.

Why Financial Well-Being Matters

Mindset First

Your beliefs about money shape every financial decision you make. Change the mindset, change the outcome.

Protection Before Growth

An emergency fund and adequate insurance are the foundation — invest only after your family is protected.

Compounding Works

Rs. 500/month started today beats Rs. 5,000/month started 10 years later. Time is your greatest asset.

Topics Covered in the Workshop

Psychology of MoneyMoney mindset & financial behaviour

Know Your NumbersIncome, expenses, net worth snapshot

50-30-20 Budget RuleNeeds, wants & savings allocation

Emergency FundBuilding a 6-month financial cushion

Term & Health InsuranceProtecting your family first

Mutual Funds & SIPSystematic investing made simple

PPF, NPS & Tax BenefitsSection 80C and 80CCD instruments

Power of CompoundingHow small amounts grow dramatically

Retirement PlanningYour corpus target & monthly SIP needed

Children’s Education FundSukanya Samriddhi, ELSS & goal planning

Common MistakesULIPs, chit funds, lifestyle inflation traps

90-Day Action PlanThree concrete steps to start immediately

Free Downloads

Workshop Slides (PowerPoint)

The complete 28-slide Financial Well-Being presentation. Covers all topics from mindset to retirement — practical, India-specific, and ready to use.

Download Slides (.pptx)

Personal Financial Planner (PDF)

A 2-page private worksheet covering your income, net worth, budget, emergency fund, insurance, investments and 90-day action plan. Fill it in — keep it to yourself.

Download Worksheet (.pdf)

The Psychology of Money

Morgan Housel — Start here. Best modern book on financial behaviour. Available on Amazon/Kindle.

Let’s Talk Money

Monika Halan — India-specific personal finance. Covers every instrument an Indian investor needs.

Rich Dad Poor Dad

Robert Kiyosaki — A classic on the mindset shift between assets & liabilities.

Free Tools & Resources

Zerodha Coin — Commission-free mutual fund investing
Groww / Paytm Money — Start SIP from Rs.100/month
ClearTax — Tax planning under Section 80C
npscra.nsdl.co.in — Open your NPS account online
ppfonline.sbi.co.in — PPF account management
IRDAI Bima Bharosa — Verify any insurance policy

About the Presenter

These resources are shared by Ram Dudeja, a banking and audit professional with experience across financial planning, risk, and compliance.

Email: aiwithram@gmail.com | Website: www.ramkrishan.com