Welcome to Rethink.
If you’re new to SimpliFinSriram, I recommend starting with Personal Finance Begins With You. It introduces the philosophy behind this blog—that personal finance is about you. Your life, your goals, your responsibilities and your priorities should shape your financial decisions, not someone else’s.
The articles in this blog are intentionally different from typical “How to…” guides.
Most of them begin with “Why?”
Today, AI can explain almost any process in seconds. It can tell you how to invest, how to calculate a retirement corpus or how to buy a mutual fund.
The more valuable questions are often:
- Why should I do this?
- When is it appropriate for my situation?
- Does this advice apply to me?
That’s the purpose of the Rethink series.
Many articles won’t end with a checklist or a single “correct” answer. Instead, they present the reasoning, trade-offs and different perspectives, leaving you to form your own conclusions.
My objective isn’t to tell you what to think.
It’s to help you understand how to think about personal finance.
💭 Rethink – Financial Planning
Learn how to build a financial plan by starting with your life goals instead of financial products.
This learning path explains why every financial decision should begin with understanding what you’re trying to achieve before deciding how to achieve it.
Step 1 – Why Goal-Based Financial Planning Is a Better Approach
Discover why investing without a clear purpose often leads to unnecessary complexity, and why every investment should be linked to a financial goal.
Step 2 – Financial Planning Starts With Life, Not Investments
Learn a practical framework for identifying your financial goals, prioritizing them, estimating their future cost and turning them into an actionable financial plan.
Step 3 – Build a Portfolio Around Your Financial Goals
Learn how to convert your financial plan into a simple investment strategy by assigning resources, prioritizing goals, choosing an asset allocation and selecting suitable investments.
💭 Rethink – Portfolio Review
Already have a portfolio? Learn how to review it with purpose instead of reacting to market noise.
Step 1 – When To Change Your Portfolio
Learn what should trigger your portfolio changes. Not a market news, but your personal finance journey.
Step 2 – How to Review Your Portfolio Without Reacting to the Market
Learn and understand how to setup a portfolio review, and why a good portfolio doesn’t need your attention every morning but only once a year.
Step 3 – How to Build a Simple Portfolio Tracker for Your Financial Goals
Not a app or subscription. Learn how to build your own customized Portfolio Tracker, what to look for and track
💭 Rethink – NRI Personal Finance
Practical financial planning for NRIs and returning Indians.
Step 1 – Does a High NRI Salary guarantee financial freedom ?
If you are an NRI, you have probably heard that you are financially free just because you earn abroad. But a high salary doesn’t automatically create financial freedom. Rethink what it really takes to build financial independence as an NRI.
Step 2 – NRI Financial Planning: How to Plan Your Return to India
Returning to India is more than a change of location. Rethink how your country, currency and the ability to change plans can shape your financial decisions before and after the move.
Step 3 – NRI Retirement Planning: How to Plan for Retirement in India or Abroad
Retirement planning becomes more complicated when the country you earn in, invest in and eventually retire in may not be the same. Rethink how your retirement corpus, expenses, currency and ability to change plans should shape your decisions as an NRI.
Continue Learning
You don’t need to read every article on this blog.
Simply choose the learning path that best matches where you are today.
Each series is designed to build one idea at a time—from understanding why, to learning how, and finally applying those ideas to your own financial life.
Because the goal isn’t just to build a better portfolio.
It’s to build a better way of thinking about personal finance.
If you have ideas, suggestions or comments please share