Personal Finance for Founders & Creators

What your CA never told you (but you must know as a founder)

It's part of my own financial journey.

My content is also evolving with me - from F.I.R.E mindset to long term Global Wealth Building as a founder & creator.

(I will use Founder & Creator terms to address solo freelancers and founders with small or medium teams.)

Every Week, You'll Receive:

• 1 Insight (e.g., “Why founders must have 2 bank accounts - personal wealth and salary from own company”)

• 1 Mistake I made (or a friend did)

• 1 Playbook (e.g., how to structure income when you have more than ₹5L month to withdraw from business)

• 1 Tool/Resource (e.g., best ways to get founder term insurance or create an HUF)

• 1 Founder Money Question ( answer one question every week from the community)

You’ll need to become a better decision-maker when it comes to money - like a real founder should. I am not here to replace your CA or legal team.. but I will do what they can't do.

I’ll help you shift your mindset - and save hours on important financial decision.

What I will share is going to be:

• Contextual (only for growth mindset)

• Lived (not theoretical)

• Rare (not SEO optimized or viral)

• Transformational (not just “informative”)

Something similar on the following topics.

A. Founder-Specific Income Strategy

Most founders & creators have volatile, non-monthly, multi-source income.

• How to simulate a salary from your own company or prop. firm

• Paying yourself tax-efficiently (vs. random transfers)

• Building a War Chest (business vs personal)

• Income smoothing during bad months

• Drawing income from Indian + foreign entities (without complexity)

• Building credibility with banks for easy approval of loans & credit cards

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B. Entity Structuring (Rare, Yet Powerful)

Your CA won’t tell you unless you ask - and most founders don’t even know what to ask.

• When to create a Pvt Ltd, LLP, HUF or Prop.

• Using holding companies for multiple income streams

• How to move income between business & personal accounts safely

• Setting up Dubai/US/SG entities - not just for tax, but for smoother global operations

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C. Tax Strategy for Inconsitent-Income Founders

This is not the same as salaried tax planning.

• How to save tax beyond 80C (legally)

• Setting up legit business expenses and documentation

• Dividend vs salary vs director fees vs bonus vs consultancy

• Getting caught in audit traps without knowing

• Investing in assets from company vs personal name

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D. Investing as a Business Owner

SIP is not enough when you might earn ₹2L one month, and zero the next.

• Designing a liquidity-first, opportunity-second investing approach

• Allocating to real estate, equity, debt, gold, crypto and angel investments (I am diversified in all of these)

• Understanding risk in startup investments

• How founders should think about exit planning (not retirement)

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E. Founder Insurance & Protection

Nobody tells founders how to protect your family & business together.

• Insurance plan when your income is “irregular”

• Why you need a personal health + term insurance combo

• Estate planning, nominee hacks, joint accounts, HUF wills

• Business continuity planning (what if you die or become disabled?)

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F. Real Stories + Tactics

Finfluencers don’t share how they actually moved money, paid taxes, protected capital because their target audience is salaried people

• “Why & How I set up 2 companies in India and Dubai for growth (tax is secondary benefit)”

• “How I saved tax legally in India on my business income”

• “How I split income between wife, HUF, and business”

• “What mistakes I did with my income when my business is thriving”

• "What I learned from others mistakes - like taking business income in personal account"

• "One of friend is not filing income tax returns or another is not filing TDS returns when they should"

It's not how to Do-It-Yourself stuff to avoid some fees.

Your CA and legal team should handle execution - they are the best to DO paperwork - and you should OWN the STRATEGY.

That's what founders do, right?

I am not here to save your pennies. I am here to open up your mind.

I would love to write on these ideas:

• “Don’t treat your business like a salary.”

• “Founders don’t retire with EPF - they retire with equity.”

• “Your CA is good at filing, not at strategy.”

• “Financial clarity is your biggest mental unlock.”

• “Build a war chest before chasing growth.”

Our financial life is harder to manage than for salaried folks

We have different goals.

We don't just want to retire at 60s.

We want to build wealth from the equity we own in our business and other businesses.