Personal Finance for All – The Complete Money Guide for Gen Z & Young Earners

Most people spend years figuring out money the hard way — wrong tax regime, no emergency fund, credit card debt at 42%, endowment policies they didn't need. This book skips all of that.

Personal Finance for All is a 68-page practical handbook written specifically for Indian students, freshers, bachelors and young earners who want a real system — not generic advice.

What's inside:

• How to do an honest audit of your money in 90 minutes
• A budget that actually survives real life (no 50-30-20 nonsense)
• Building your emergency fund in 3 stages
• Debt, credit cards and the CIBIL game
• Mutual funds, SIPs and index funds — explained properly
• EPF, PPF, NPS, gold, stocks and crypto — what each one is really for
• Taxes without fear — for salaried earners and freelancers
• The bachelor's money manual: rent, food, family, weddings
• How to earn more — negotiation, switching, side income
• Scams, pressure and money between people

Also includes:
6 printable worksheets (net worth, budget, debt payoff, goals), a 12-month money plan, a 30-day reset challenge and a full glossary.

By Future Skills Lab