I am a personal finance researcher and founder of The Money Decoded, a plain-English finance education site based in India. I research budgeting, saving, debt, investing basics, and financial literacy — and explain these topics clearly for people who were never taught how money works. My perspective is not academic. It comes from lived experience. In 2011, our family's publication business collapsed overnight. We mortgaged our home to start a new business. That failed too. The bank began proceedings to auction our house. It took a decade of effort — my savings from working as a Project Manager at InfluxIQ Tech Pvt. Ltd., my brother's contribution, and help from friends and relatives — to finally recover the house from auction in 2021. That experience taught me what financial planning me...