Adarsh

₹ vs $ Smart Money Mindset | Microcaps & Game Theory | Helping Indian retail investors think & win globally • Not financial advice

[Adarsh @WealthByAdarsh]

I'm on a journey to become a Certified Financial Planner (CFP).

For the next 21 days, I’ll share one practical financial lesson each day.

Just a 60-second read.

Because one good idea can save years of financial mistakes.

Simple.
Actionable.
Worth knowing.
Walk with me.

[Adarsh @WealthByAdarsh]

@IncomeTaxIndia Filed ITR-3 (AY 2026-27) & e-verified on 02-Jul-2026. Still stuck at "Return Processing" even after 8 weeks. No outstanding demand, no e-Proceedings pending on my end. Kindly look into it.

Ack No: 905061780020726

[Adarsh @WealthByAdarsh]

Fear of missing out is okay, but fear of better options is dangerous.

[Adarsh @WealthByAdarsh]

Find the idea by living inside the problem, not by brainstorming.#BusinessStrategy

[Adarsh @WealthByAdarsh]

Why do we say #Malayali, #Bengali, Punjabi, #Tamilian, Gujarati etc. before saying Indian?

Just curious.

Are we #Indians first, or our state first?

[Adarsh @WealthByAdarsh]

Filed my ITR on July 2nd.

It’s August 10th and it still hasn’t been processed. No refund either.

Earlier, I remember refunds being processed much faster.

Anyone else waiting this long? @IncomeTaxIndia #incometax #taxpayer_janta_party

[Adarsh @WealthByAdarsh]

@iamankitpande It depends on the case brother.
Professionalism is a two-way street.
If a company doesn’t treat employees fairly, they have every right to leave. And honestly, for most roles, 30–60 day notice periods waste everyone’s time.

[Adarsh @WealthByAdarsh]

10:00 – Open your laptop.
10:02 – Think, "I'll quickly check WhatsApp."
10:05 – Open Instagram.
10:12 – A YouTube video starts.
10:18 – You remember you wanted to ask GPT something.
10:25 – You suddenly realize you haven't started the work.

What is the problem? Anybody knows? 😅

[Adarsh @WealthByAdarsh]

#Travel Beyond Limits. ✈️
Turned trip #financing into something you'd actually enjoy using — search a destination, see your EMI, get matched with lenders.
All in one flow.
#Building AstrA.
This is v1_ 👇

[Adarsh @WealthByAdarsh]

@rakesh12601 The real battle isn’t ETF vs Mutual Fund. It’s consistency vs emotions.

[Adarsh @WealthByAdarsh]

The interest on an #education loan isn't the real cost.
The real cost is what a family gives up, an FD, gold, a retirement fund, just to avoid a #loan that was built to be repaid gradually.

[Adarsh @WealthByAdarsh]

Section 80E lets you deduct the entire #interest paid on an education loan, no upper limit, for 8 years.
Most families funding #education out of pocket never even know this benefit exists.

[Adarsh @WealthByAdarsh]

A joint account means nothing if only one person actually knows the full #financial picture. That's not #partnership, that's dependency wearing a nicer name.

[Adarsh @WealthByAdarsh]

Term #insurance feels like a loss every year you don't use it. That feeling is the entire point, it means your #family never needed to test it.

[Adarsh @WealthByAdarsh]

Your #EMI doesn't end when the loan ends. It ends when you stop believing you need the next upgrade to feel #successful..

[Adarsh @WealthByAdarsh]

Nobody's #SIP failed them. Their patience quit three years before the #compounding actually started working.

[Adarsh @WealthByAdarsh]

@sayanthvsivadas Thanks, buddy!
Let’s keep compounding together.

[Adarsh @WealthByAdarsh]

Nobody warns you that your biggest financial risk isn’t the market crashing.

It’s you, panicking and pulling out right when it does.

#Markets have crashed and recovered every single time in history, given enough years.

#Portfolios don’t get destroyed by the crash itself.

They get destroyed by the investor who sells at the bottom out of fear, then waits for a “safer” time to re-enter that never actually feels safe.

The people who built real wealth in equity markets weren’t the smartest stock pickers.

They were the ones who simply stayed invested through the falls and did nothing.

Your biggest job as an investor was never to predict the market.

It was to survive your own panic.

Have you ever sold in a panic and regretted it later?

Be honest in the comments.

Most people have.

[Adarsh @WealthByAdarsh]

@TARUNspeakss India has millions of so-called nation lovers online. The next breakthrough will come from the few who log off and build.

[Adarsh @WealthByAdarsh]

@BaluGorade Behind every portfolio P/E is a fund manager making a different bet on the future..

[Adarsh @WealthByAdarsh]

@Sakshi50038 We’ve been taught to chase prestigious job titles, while the market quietly rewards people who solve everyday problems profitably.

[Adarsh @WealthByAdarsh]

Every year, thousands of #Indian families discover a father’s or husband’s real debt only after he’s gone.

Not from a conversation.
But from a #bank recovery call three weeks into the funeral rituals.

He wasn’t hiding it to hurt anyone.
He just believed he’d have more time to fix it quietly before anyone found out.
Death doesn’t wait for that plan to finish.

A family grieving a loss shouldn’t also be discovering, in the same week, that the house is mortgaged, or that a #personal loan is still unpaid, or that there’s no insurance to even cover the funeral costs.

#Financial transparency isn’t about trust in your marriage or your family.
It’s about making sure the people you love aren’t left solving your mess while they’re still trying to process losing you.

Does your #family know your real financial picture right now?
#Debts.
#Insurance.
#Investments.
All of it.

If something happened tomorrow, would they be prepared, or blindsided?