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Two piles, one card at a time. Which side does it belong on?
31 rounds · nothing is saved or sent anywhere
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1 / 6
Swipe: does this hurt a credit score, or not?
Paying a card bill 45 days late
From Credit scores, decoded · The number lenders check first
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1 / 5
Reachable soon, or locked away? Swipe each one.
A PPF account in its first six years
From Deposits and the small savings shelf · NSC, Sukanya Samriddhi and monthly income
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1 / 5
Emergency, or just an expense you did not plan?
Your laptop dies and you need it for work
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1 / 4
Covered, or gap?
You quit in April, the new job starts in July. A hospital stay in May.
From Health insurance, decoded · Individual or floater: whose pot is it
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1 / 5
Feed check: does this post actually tell you anything?
A screenshot of one trading day, up ₹47,000
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1 / 5
Receiver or owner? Swipe each one.
Nominee on a bank account
From Nominee vs heir: who actually gets your money · The receiver is not the owner
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1 / 4
The landlord wants to keep part of your deposit for this. Fair charge, or worth contesting?
Full repainting after you lived there four years
From Renting in India, decoded · Notice, deposit back, and disputes
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1 / 4
Which account fits the person?
A 14-year-old getting pocket money — a minor savings account
From Every account type, and which one you need · Minor accounts, joint accounts and the rules
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1 / 4
Safe, or not?
Someone sends you a collect request for money they owe you
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1 / 4
Ownership thinking or lottery thinking?
"I bought it because the price jumped yesterday."
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1 / 4
A clause in the builder-buyer agreement. Standard, or red flag?
You pay 18% interest on late instalments; the builder owes ₹5 per sq ft per month if possession is late
From Buying a home without getting played · Builder red flags, and rent vs buy honestly
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1 / 5
Swipe: does this habit build credit, or bleed money?
Paying the statement in full by the due date, every single month
From Credit cards without the trap doors · EMIs, rewards, and when a card is worth it
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1 / 6
Offer-letter clauses: normal, or worth a question before you sign?
A probation period of three to six months
From Your offer letter, decoded · Before you sign, and your first weeks
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1 / 4
Would this HRA claim hold up if the tax department looked closely?
House in your mother's name. ₹15,000 goes to her account by bank transfer monthly, there is a rent agreement and receipts, and she reports the rent in her return
From HRA: the rent money the taxman leaves alone · Paying rent to your parents — legitimately
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1 / 4
Does this actually change what you keep?
The expense ratio
From Mutual funds, decoded · NAV, the invisible fee, and the riskometer
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1 / 7
Does this deduction survive in the new regime?
₹1.5 lakh under section 80C (now section 123) — PPF, EPF, ELSS, life insurance, tuition fees
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1 / 4
True or false, for dying without a will?
The government takes your property
From Wills and succession: who inherits what · With a will, or without one
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1 / 5
Swipe: does this qualify for the 80E deduction?
Interest on a bank loan for your own postgraduate degree
From Education loans, eyes open · Section 80E, and why this debt follows you
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1 / 5
Creep, or a chosen upgrade? The test is whether it was a decision.
Moving flats to cut a two-hour commute to twenty minutes, after doing the maths
From First salary: the order of operations · Pay yourself first, before lifestyle creep
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1 / 4
Coparcener — yes or no?
A daughter born into the family
From HUF: one family, one extra taxpayer · Karta, coparceners, members — who is who
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1 / 4
Whose income is it — yours or the HUF's?
Your salary, while you happen to be the karta
From HUF: one family, one extra taxpayer · The tax story, honestly
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1 / 4
Sales line, or fact?
"Premium waapas mil jayega, matlab insurance free!"
From Insurance is not an investment · The pitch, and where to complain
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1 / 4
A crash is on. Which reactions are consistent with the SIP method, and which quietly break it?
Pause the SIP until things "look safer"
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1 / 5
Which of these is a need and which is a want? There are no wrong lifestyles here, only unlabelled spending.
Rent
From Budgeting that survives real life · Find out where it actually goes
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1 / 5
Nominee, heir, and who actually gets the money — myth or fact?
A nominee on a bank account automatically owns the money after a death
From Your parents' money, and yours · Papers, nominations, and the conversation
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1 / 4
You hold a third-party-only policy. Who carries the cost?
You hit a pedestrian, and a tribunal awards them compensation.
From Motor insurance: the cover the law asks for · The cover for others, and the cover for you
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1 / 4
One bet in disguise, or genuinely spread out?
Your job, your ESOPs and your savings — all riding on your employer
From Risk, diversification and real returns · Asset classes, and separate baskets
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1 / 5
True or false, about money in a child's name in India?
The government opens a trust account for every newborn
From Trusts and family wealth: what a trust is · The child trust fund India does not have
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1 / 5
Swipe: does this change what a guarantor is exposed to?
The borrower has paid 22 of 60 instalments, every one on time
From Standing guarantor: what the signature says · When it is family asking
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1 / 4
You want to go up a rung. Ready, or too early?
You complained to the bank 35 days ago in writing and have heard nothing since.
From The ombudsman and the consumer court · Three ombudsmen, three sectors
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1 / 5
Swipe: does this stop the next recurring charge?
Deleting the app from your phone
From Buy now, pay later — and the debits you forgot · The permission you gave once