The financial independence / retire early movement is built on genuinely sound math. Save aggressively, invest in lowcost index funds, spend

"The stock is down 40%, it has to come back." You've heard this. You may have said it. It sounds sophisticated — it invokes statistical law.

Tax drag is one of the few investment frictions that compounds the wrong way. A 1% annual drag on a ₹1 crore portfolio doesn't cost ₹1 lakh

Rebalancing sounds mechanical — sell a bit here, buy a bit there. But most investors only understand what it's actually doing after they've