Paperback | Hardcover | Kindle — Free delivery on Prime
17
Chapters
238
Pages
20+
Yrs Experience
1L+
Goal: Readers
Be honest — does this sound familiar?
Salary comes in — and disappears within 10-15 days
EMIs, bills, and expenses feel completely out of control
You plan to save every month — but it never actually happens
Financial stress is silently hurting your health and relationships
You got a promotion… but somehow feel more broke than before
Retirement plan? PF alone won’t be enough — but nobody tells you this
You are not alone. Millions of Indian middle-class families are stuck in this same cycle. And breaking out of it is absolutely possible.
A story you will recognise
The same pattern repeats every single month…
“Salary aati hai. Thoda relief milta hai. Fir expenses shuru. Fir tension. Fir next salary ka wait. And slowly… this cycle starts feeling normal.”
Mr. Sharma got a promotion. Salary jumped 25%. First thing he did? Booked a Honda City. Then a 3BHK. Then a Dubai vacation on credit card.
6 months later — credit card bill: ₹1.8 lakh. Emergency fund: ₹12,000. SIP: cancelled. His salary went up by 25%, but his stress went up by 90%.
🔵 This is not normal. This is a financial trap. — And this book has the complete way out.
What you will get from this book
This book will permanently change how you think about money
Not just a read — a complete action system. Every chapter has real Indian stories, practical tools, and clear next steps.
🔐
Freedom from the EMI Trap
Understand exactly which debt is holding you back — and how to get out of it step by step.
📈
Build Real Wealth with SIP
You can start investing with just ₹500 per month. Learn how compounding works in your favour over time.
🎯
Financial Clarity
Income, expenses, savings — all in one clear system. No more confusion about where your money goes.
🏠
Retirement Reality Check
PF and pension alone will not be enough. Learn exactly how much you need — and start building it now.
🧠
Money Mindset Reset
Guilt, shame, and family pressure silently drain your money. Learn how to identify and stop these leaks.
💪
Build a Second Income
One salary = one point of failure. Discover how to practically build a second income stream alongside your job.
17 Chapters — 17 Financial Wake-Up Calls
Each chapter reveals a new truth. Each truth comes with an action step.
CH 01
The Safety Trap
Is your “safe” job the riskiest choice?
CH 02
The Hard Work Myth
Hard work alone will not make you rich
CH 03
The Debt Illusion
The EMI chain around your ankles
CH 04
The Investment Myth
The real truth about FD and gold
CH 05
The PF Trap
Provident fund is not enough
CH 06
The Degree Trap
Degree ≠ financial success
CH 07
The Pension Illusion
You will outlive your retirement corpus
CH 08
The Entrepreneur Illusion
Business = freedom? The real picture
CH 09
The Smart Fool Syndrome
Educated but financially broke
CH 10
The Marriage Myth
Love is free. Marriage is not.
CH 11
The Age 60 Lie
Retirement is a financial state, not an age
CH 12
The Guilt Trap
Being “good” is costing you a fortune
CH 13
The No-Time Lie
Are you truly busy or just distracted?
CH 14
The Financial Denial
Open your bank app. Face the truth.
CH 15
The Toxic Success Trap
More income, more stress — why?
CH 16
Money & Mental Health
Financial stress is a real illness
CH 17
The Wake-Up Call
5 pillars. 30-day plan. Start today.
About the Author
Hitesh Lakhani
Finance Professional | 20+ Years Experience | India & Africa
This book is not based on theory or internet research. Hitesh Lakhani is himself a salaried professional who has worked across financial markets in India and Africa for over 20 years. He has seen countless middle-class families get financially stuck — and that frustration gave birth to this book.
“Yeh book mere beloved father — Late Shri Ramniklal Khimjibhai Lakhani — ko dedicated hai”, who taught a young boy the value of numbers at the kitchen table.
📍 Surat, India🌎 Africa Financial Markets📚 Amazon & Notionpress
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All 17 chapters condensed into one action PDF. Print it, stick it on your wall, and start today.
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Thank you, !
Download your 3 free bonuses below. And if you haven’t grabbed the book yet — today is the day!
Yes, absolutely. Even if you know nothing about finance, this book is perfect for you. Written in simple language with real Indian examples. No complicated jargon at all.
Is this only for salaried people? +
Not at all. Whether you are salaried, a business owner, freelancer, or homemaker — the financial traps discussed in this book affect everyone equally.
I already invest in mutual funds — is this still useful for me? +
Definitely. Investment is just one piece. The book also covers mindset, debt management, insurance planning, retirement reality, and income diversification — areas most investors overlook.
How long does delivery take? +
1-2 days with Amazon Prime. For Kindle, download it instantly and start reading today.
Will this book actually make a difference? +
If you only read it — maybe not. If you apply it — absolutely yes. That is why 3 action-focused bonus tools are included, so you don’t just read but actually implement. One step a day. It compounds.
How do I get the free bonuses? +
Simply fill in your name, email, phone and city in the form above — you will get instant download links for all 3 PDFs. Completely free, no payment required.
If you don’t take action today… the next 5 years will look exactly the same.
Same income. Same stress. Same struggle month after month. Or you can make one decision today — one that changes your family’s financial life forever.
