Radhika Garodia

Radhika Garodia Making finance simple, one reel at a time!🤑 Taxes | Investing | Financial Plan | Insurance

“Small is ₹150, Medium is ₹250, Large is ₹270... Large is a steal!” 🍿You didn’t actually want the large size until you s...
04/06/2026

“Small is ₹150, Medium is ₹250, Large is ₹270... Large is a steal!” 🍿

You didn’t actually want the large size until you saw the medium price. That’s the Decoy Effect. Brands introduce an expensive, less attractive option just to make the most expensive choice look like an absolute bargain. You aren’t saving ₹20; you are spending ₹120 more than you planned.

Swipe left to spot the decoy before your next automated subscription buy. 🪤



Decoy effect examples, subscription pricing tricks, consumer psychology India, how marketing influences spending, smart buyer habits.

“This mutual fund underperformed for two quarters. Time to switch!” 🏃‍♂️Constantly chasing the highest-returning fund of...
28/05/2026

“This mutual fund underperformed for two quarters. Time to switch!” 🏃‍♂️
Constantly chasing the highest-returning fund of the current month? That’s Short-Termism. Generational wealth isn’t built by jumping from one shiny object to another. By constantly swapping funds, you completely miss out on compounding and rack up exit loads.
Swipe through to check the ultimate longevity test for your long-term portfolio. 📈

Short termism in investing, shiny object syndrome finance, mutual fund portfolio review, long term investing India, compounding power.

“It’s just a bonus/gift, so I can spend it guilt-free!” 🎁A rupee is a rupee, no matter where it comes from. Yet, we trea...
25/05/2026

“It’s just a bonus/gift, so I can spend it guilt-free!” 🎁

A rupee is a rupee, no matter where it comes from. Yet, we treat our hard-earned salary like gold and a tax refund or cash gift like monopoly money. That’s Mental Accounting. This mental bias makes us blow windfalls on things we don’t even need.

Swipe left to see how to treat all your money equally and accelerate your wealth building. 💰



Mental accounting bias, windfall income strategy, money management India, financial habits, psychology of money.

“I’ve already invested ₹50,000... I can’t back out now.” 📉Pumping more cash into a sinking ship won’t make it float. We ...
22/05/2026

“I’ve already invested ₹50,000... I can’t back out now.” 📉

Pumping more cash into a sinking ship won’t make it float. We keep throwing good money after bad just because we’ve already spent time, effort, or capital on an asset. That’s the Sunk Cost Fallacy. Admitting a mistake hurts your pride, but holding on hurts your wallet way more.

Swipe through for the “Fresh Cash” filter to save your portfolio. 🛑



Sunk cost fallacy investing, averaging down stocks, when to sell a stock, retail trading mistakes, money psychology.

“It’s not ₹80,000. It’s just ₹4,000 a month!” 📱How an expense is presented completely changes your willingness to spend....
19/05/2026

“It’s not ₹80,000. It’s just ₹4,000 a month!” 📱

How an expense is presented completely changes your willingness to spend. Companies use No-Cost EMIs to cleverly hide the true weight of a luxury purchase. That’s the Framing Effect. By shrinking the daily or monthly number, they bypass your brain’s pain point for spending.

Swipe left to see the true cost filter before your next big swipe. 💳



Framing effect finance, EMI trap India, credit card debt psychology, consumer finance tips, budgeting hacks.

“Wow, it’s 70% off! I’m saving so much money.” 🏷️Are you actually saving, or were you just psychologically manipulated? ...
18/05/2026

“Wow, it’s 70% off! I’m saving so much money.” 🏷️

Are you actually saving, or were you just psychologically manipulated? Brands use an artificially high “original price” to anchor your brain into thinking you’re getting a steal. That’s Anchoring Bias. You judge the absolute value of an item based entirely on the very first number you see.

Swipe through to see how to break the anchor and stop falling for fake retail deals. 💸



Anchoring bias examples, marketing traps India, fake discounts psychology, smart shopping tips, consumer behavior.

“I’ll just hold it until it breaks even.” 📉The biggest lie we tell ourselves in the stock market. We hate losing so much...
17/05/2026

“I’ll just hold it until it breaks even.” 📉

The biggest lie we tell ourselves in the stock market. We hate losing so much that we turn a bad short-term trade into a permanent portfolio scar. Psychology calls this Loss Aversion. Your ego is trying to protect your feelings, but it’s destroying your net worth.

Swipe left to take the “Clean Slate” test and save your capital. 🛑



Loss aversion investing, accidental long term investor, cutting losses stock market, portfolio psychology India, retail investor mistakes.

Investing is the goal, but a safety net is the foundation. 🛡️How much you need depends entirely on your career:🏢 9-to-5:...
16/05/2026

Investing is the goal, but a safety net is the foundation. 🛡️

How much you need depends entirely on your career:
🏢 9-to-5: 6 Months of expenses
🎨 Freelancer: 9 Months
🚀 Business: 12 Months

Once you know your number, use the 30/70 Split Strategy to park it:
🔹 30% for Instant Access: Sweep-in FDs. Available in seconds.
🔹 70% for Tax Efficiency: Arbitrage Funds. FD safety but taxed lower.

Check the slides to see exactly how to set this up! 📈

Where do you currently park your emergency cash? Let’s chat below! 👇



How to build an emergency fund in India, where to park emergency cash, Arbitrage funds vs FD, tax efficient investing India, money management for beginners.

Stop wondering where your salary went by the 15th. 💸The 50/30/20 rule is the simplest way to manage your money without f...
15/05/2026

Stop wondering where your salary went by the 15th. 💸

The 50/30/20 rule is the simplest way to manage your money without feeling restricted. It’s about guilt-free spending, not zero spending.

🔹 50% Needs (The Basics)
🔹 30% Wants (The Fun)
🔹 20% Future (The Wealth)

Check the slides for the ₹50k breakdown. 📈

Save this for your next payday! 👇



Learn personal finance India, how to use the 50 30 20 rule, best budgeting tips for beginners, salary distribution guide, and building wealth in your 20s.

13/05/2026

Are you secretly losing money to "hidden" mutual fund commissions? 📉🤔

Welcome to Day 7 of the FY26 Wealth Reset! Today we are auditing the most popular part of the Indian portfolio: Mutual Funds. 🇮🇳

It’s easy to start a SIP, but it’s harder to know if it’s actually performing. Most people just look at the "Total Profit" (Absolute Return), but that doesn't tell the whole story.

✅ The Real Growth Metric: You must look at your XIRR. This tells you the actual annualized return of your money. If your XIRR is lower than a simple Index Fund, it’s time to rethink your strategy!

✅ The Expense Ratio Trap: Check your fund name carefully. If it says "Regular Plan," you are paying an agent commission out of your own pocket every single day. Switching to a "Direct Plan" can save you lakhs over 10-15 years. 💰✨

Don't let hidden fees and "fake" green numbers slow down your wealth creation.

👇 How is your XIRR looking? Is it beating the market? Let me know and drop a 'TRACKED' once your audit is done!

[Search Keywords: Mutual fund audit India, XIRR vs Absolute return, Direct vs Regular mutual funds, SIP tracking, portfolio leakage]

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