I've been following @ca.rishalodha for a while and her content always felt genuinely useful — investing basics, CA career tips, Excel skills, all explained without being preachy. When she promised resources in DMs, I was a little skeptical (most creators don't follow through). But this toolkit proved me wrong.
What's inside
Budgeting Spreadsheet (2 versions)
Track every rupee — income, expenses, and where you're actually overspending
Financial Goals Calculator
Set a goal, timeline, and savings rate — get a clear roadmap, not vague advice
Step-Up SIP Calculator
See how increasing your SIP by 10% yearly compounds into a dramatically larger corpus
Money Personality Quiz
Spender, saver, or avoider? Get strategies that actually match how you think about money
Investment Basics Guide
Mutual funds, SIPs, equities, asset allocation — explained in plain English, no jargon
Every resource is practical and India-specific — not some generic Western finance template. If you're a student or fresher trying to build real money habits, this is exactly where to start. Solid follow, solid toolkit.