A lot of people think they need more income to feel financially secure.

But sometimes the real problem is not income.

It is the lack of a real financial plan.

In this episode of The Long Game, I speak with Vivek about why financial planning is much more than just investing or retirement planning.

Many people earn well, save a little, invest every month, and still feel financially behind. Why? Because they may not have clarity around cash flow, emergency fund, insurance, loans, tax planning, goals, and whether their investments actually match their life.

In this conversation, we talk about:

• Why financial planning is not only for wealthy people
• Why financial planning is not just investment planning
• What people in their 20s and 30s should fix before chasing FIRE
• Why employer health insurance may not be enough
• Why fixed deposits may not protect your purchasing power after inflation and taxes
• Why buying a house too early can reduce career flexibility
• Why aggressive home loan repayment is not always the best move
• Why too many mutual funds can create more confusion, not more diversification
• Why FIRE can become an escape plan if you don’t know what you want after retirement
• How childhood money experiences shape financial behavior
• A simple 7-day plan to start organizing your finances

This episode is for anyone who earns decently but still feels financially disorganized.

Before you chase FIRE, early retirement, or the next investment trend, fix the foundation first.

If you'd like to share your story with us, please fill out the form: https://forms.gle/Ha9nEbXyJWm3ow4x7 If you would like to connect with us and share your feedback, please drop an email at financewithmihir@gmail.com

A high income does not automatically mean financial strength.

Many Indians are earning well, but still feel financially stressed because most of their salary is already committed to EMIs, rent, lifestyle upgrades, loans, and family responsibilities.

In this episode of The Long Game, I speak with Megha Bang about the real money problems Indian households face — especially when people look financially successful from the outside but have very little savings, emergency fund, insurance, or investing discipline.

We talk about:

• Why high income does not always reduce money stress
• How people get trapped in phone EMIs, car EMIs, home loans, and personal loans
• Why total EMIs should ideally stay around 40–45% of income
• Why home loan EMI should ideally stay around 30–35% of monthly in-hand income
• What to check before buying a house
• Why dual income does not automatically mean you should take a bigger home loan
• Why upgrading lifestyle after promotion can become a trap
• The basics every household should fix: budgeting, emergency fund, insurance, and investing
• What money conversations couples should have before marriage
• Why Indian families avoid talking about money with parents
• NRI money mistakes around bank accounts, property, taxation, and compliance
• Why ULIPs often fail as both insurance and investment
• The warning signs that your lifestyle is controlling you

This conversation is not about looking rich.

It is about becoming financially strong.

If you'd like to share your story with us, please fill out the form: https://forms.gle/Ha9nEbXyJWm3ow4x7 If you would like to connect with us and share your feedback, please drop an email at financewithmihir@gmail.com

A finance professor. A disciplined investor. And one surprising result: his wife’s portfolio became more than 2x his.

In this episode of The Long Game, I speak with Dr. Vidhu Shekhar, who has seen finance from academia, banking, private equity, fintech, and behavioral finance.

But the most powerful lesson from this conversation is surprisingly simple:

Personal finance is not stock picking.

A lot of smart salaried people think investing means finding the next hot stock, chasing IPOs, timing trends, or following what everyone is talking about online. But Dr. Shekhar explains why that approach often hurts people more than it helps.

In this conversation, we discuss:

• Why personal finance is different from active investing
• Why stock picking is a full-time profession
• How his wife built more than 2x his portfolio through disciplined investing
• Why boring investments often create better long-term wealth
• Why FOMO and loss aversion destroy investor returns
• Why SIP discipline matters more than knowing everything
• What young earners should do first: health insurance, SIP, and simple allocation
• Why Instagram finance advice can be oversimplified or misleading
• How AI may change finance careers
• The one principle he would use to build long-term wealth

This episode is not about getting rich quickly.

It is about building wealth the boring, disciplined, practical way — and avoiding the mistakes that smart people keep making.

If you'd like to share your story with us, please fill out the form: https://forms.gle/Ha9nEbXyJWm3ow4x7 If you would like to connect with us and share your feedback, please drop an email at financewithmihir@gmail.com

Financial freedom sounds simple online: save, invest, hit your FIRE number, retire.

But what if the number itself is the wrong starting point?

In this episode of The Long Game, I sit down with Husslefreewealth / Pankaj Sir to talk about the real math behind financial independence in India — and why random targets like ₹1 Cr, ₹5 Cr, or ₹10 Cr can be misleading if you don’t understand your expenses, real return, asset allocation, inflation, and health costs.

We also discuss his own journey from buying a house under family pressure, paying a huge EMI, making mistakes like ULIPs and home loan prepayment, questioning SIPs, and eventually achieving financial independence at 39.

In this conversation, we cover:

• Why your FIRE number depends on expenses, not social media formulas
• Whether ₹1.7 Cr can actually be enough to retire in India
• Why real return matters more than headline market returns
• Why SIP may not be ideal for every investor
• Active funds vs index funds
• Why health insurance alone may not protect your retirement
• How lifestyle comparison quietly destroys wealth
• The simple question he asks before spending money
• What financial freedom actually changes after you reach it

This is not generic retirement advice. It is a practical conversation about how real people should think about money, freedom, spending, risk, and enough.

If you’re serious about financial independence in India, this episode will make you rethink your number.

If you'd like to share your story with us, please fill out the form: https://forms.gle/Ha9nEbXyJWm3ow4x7 If you would like to connect with us and share your feedback, please drop an email at financewithmihir@gmail.com

What does it really mean for a woman to be financially independent?

In this episode, I sit down with Lisa Pallavi Barbora, personal finance expert and author of Money & Her, to explore how money shapes a woman’s confidence, choices, marriage, motherhood, career breaks, and ability to start over during difficult phases of life.

We discuss why many educated and earning women still hesitate to take charge of financial decisions, the risk of saying “my husband handles the money,” what every woman should know before marriage, how couples can talk about money without conflict, and what financial planning should happen before motherhood or a career break.

Lisa also shares powerful stories from her book, including women rebuilding after crisis, a father who stepped away from a high-responsibility career to raise his child, and the money mistakes women entrepreneurs often make.

This is a conversation about financial agency, dignity, safety, and the freedom to make your own choices.

If you'd like to share your story with us, please fill out the form: https://forms.gle/Ha9nEbXyJWm3ow4x7 If you would like to connect with us and share your feedback, please drop an email at financewithmihir@gmail.com

What if ₹1 could become ₹107 crore… and yet most people still struggle to build wealth?

In this episode, I sit down with Deepak R Khemani, a financial advisor with 40+ years of experience, to break down what actually works in investing—and what silently destroys it.

We talk about:

• Why compounding is misunderstood
• The biggest mistakes investors make (and how to avoid them)
• Why doing nothing is often the smartest move
• What financial freedom really means (it’s not a number)

If you want to build wealth the right way, this episode will completely change how you think about money.

If you'd like to share your story with us, please fill out the form: https://forms.gle/Ha9nEbXyJWm3ow4x7 If you would like to connect with us and share your feedback, please drop an email at financewithmihir@gmail.com

In this episode of The Long Game Podcast, Mihir speaks with Raman Pushkar — consultant, executive coach, and speaker — about his journey from credit card debt, personal loans, EMIs, and financial stress to building passive income and a stronger money mindset.

Raman shares how EMIs can trap you mentally, why tracking your expenses is the first step toward financial freedom, how salaried professionals can start building assets, and what to do if job loss or career uncertainty hits. We also discuss passive income, lifestyle inflation, peer pressure, real estate decisions, and why financial freedom is more about behavior than income.

This episode is for anyone who feels stuck in the salary-to-EMI cycle and wants a practical path toward debt freedom, passive income, and long-term wealth.

If you'd like to share your story with us, please fill out the form: https://forms.gle/Ha9nEbXyJWm3ow4x7 If you would like to connect with us and share your feedback, please drop an email at financewithmihir@gmail.com

Most people believe their salary will keep growing every year… but what if that’s the biggest financial illusion?

In this episode, we break down why your income isn’t as stable as it looks — and how AI, layoffs, and longer lifespans are changing the rules of financial security.

Ravi Handa shares practical insights from building, selling, and rebuilding businesses — and explains why relying only on your salary could be one of the biggest risks in today’s world.

We cover:

• Why your salary behaves more like equity than a fixed income
• How layoffs and AI are changing long-term career stability
• The real challenges of achieving FIRE in India
• Why most people get misled by financial advice
• Whether going abroad actually improves your financial future
• Why “passive income” is often misunderstood

If you’re building towards financial independence, this conversation will change how you think about money, work, and security.

If you'd like to share your story with us, please fill out the form: https://forms.gle/Ha9nEbXyJWm3ow4x7 If you would like to connect with us and share your feedback, please drop an email at financewithmihir@gmail.com