Most people believe their salary will keep growing every year… but what if that’s the biggest financial illusion?

In this episode, we break down why your income isn’t as stable as it looks — and how AI, layoffs, and longer lifespans are changing the rules of financial security.

Ravi Handa shares practical insights from building, selling, and rebuilding businesses — and explains why relying only on your salary could be one of the biggest risks in today’s world.

We cover:

• Why your salary behaves more like equity than a fixed income
• How layoffs and AI are changing long-term career stability
• The real challenges of achieving FIRE in India
• Why most people get misled by financial advice
• Whether going abroad actually improves your financial future
• Why “passive income” is often misunderstood

If you’re building towards financial independence, this conversation will change how you think about money, work, and security.

If you'd like to share your story with us, please fill out the form: https://forms.gle/Ha9nEbXyJWm3ow4x7 If you would like to connect with us and share your feedback, please drop an email at financewithmihir@gmail.com

In this episode, we speak with a seasoned finance leader and CFO who, despite decades of professional experience, only began actively tracking his personal finances in his mid-40s.

We explore the turning point that led to this realization and the practical steps he took to gain clarity and control over his financial life.

This conversation covers:

• Why financial knowledge doesn’t always translate to personal wealth
• The importance of tracking net worth
• How to distinguish between good and bad expenses
• The role of discipline in long-term financial success
• What investors and successful founders consistently get right

A thoughtful discussion for anyone looking to build a more structured and intentional approach to personal finance.

If you'd like to share your story with us, please fill out the form: https://forms.gle/Ha9nEbXyJWm3ow4x7 If you would like to connect with us and share your feedback, please drop an email at financewithmihir@gmail.com

Most people think financial freedom is about earning more, investing better, and hitting a number.

But what if that number… doesn’t matter as much as you think?

In this episode, Vinayak Sapre (author of Dohanomics) breaks down why behavior, mindset, and clarity of “enough” matter far more than returns.

From “10 crore is more than 100 crore” to why retirement may not be your choice, this conversation challenges everything you think you know about money.

💡 What you’ll learn:

• Why behavior matters more than income or returns
• The real meaning of financial freedom (it’s not retirement)
• Why most people are forced to retire, not choose to
• How lifestyle inflation quietly destroys wealth
• Why following the crowd leads to losses
• The importance of liquidity (and why real estate can fail you)
• Simple math mistakes that cost people lakhs
• Why investing should feel boring

🎯 Key takeaway:

Financial freedom is not about how much money you have.

It’s about:

• knowing what is “enough”
• controlling your behavior
• and building a life where money supports your choices

👤 About the guest:

Vinayak Sapre is a wealth advisor and author of Dohanomics, where he blends personal finance with Indian philosophy (Kabir, Rahim) to simplify how people think about money and life.