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Money and you
What money actually buys you
Needs vs wants: the friend test
Income sources: earned vs other money
The paycheck gap: gross vs in hand
Fixed vs flexible expenses
Owning, owing, choosing
Where salary disappears to
Net worth: what you own minus what you owe
Assets that pay you vs assets that sit
Liabilities: debt that works for or against you
Opportunity cost
Habits that shape money
Inflation
Cash vs UPI vs cards
Lifestyle creep
Paying yourself first
The 50/30/20 split
Building your base
Financial goals: short, medium, long
Emergency fund
One habit that compounds
Money and emotions
The money basics checklist