Alternative Assets
Smart goals, Safety nets, simple starts
Nikhil Sharma
ex-Goldman Sachs · Risk Analyst · 5 yrs · ₹60,000 Cr+
What you'll learn
What students are saying
What you'll master in
6 modules. Each builds on the last.
Net Worth Calculation
Assets minus liabilities — done properly. The car delusion (your ₹8L car = ₹4.5L today). The EMI confusion. The lifestyle asset trap.
The Tier-1 City Expense Trap
A real salary breakdown for Mumbai/Delhi/Bangalore. Rent, groceries, EMIs, eat-outs, the 'life-tax' — and the shocking surplus that's left.
Emergency Fund Ratio
Why the standard '6 months expenses' advice is dangerously low for metro India. Job search timelines, medical costs, family emergencies.
Debt-to-Income Ratio
₹70,000 EMI on ₹1.33L net income = 52% debt ratio. You're not building wealth — you're building the bank's wealth. How to fix this.
Investment Rate & Insurance
Savings ≠ investments. ₹20K in savings account at 3% vs equity at 12% = the difference between wealth destruction and creation. Plus: life, health, and disability coverage gaps.
Your FIRE Number
Financial Independence, Retire Early — what the actual number is for your life. Not a generic goal. YOUR number.
What you walk away with
You'll walk away with 6 calculated numbers — on paper, for your life. The foundation everything else builds on.
Meet your instructor
Learn from someone who did this for a living
Nikhil Sharma
Co-Founder, CashFlowCrew
Nikhil spent 5+ years at Goldman Sachs managing risk for mutual fund and hedge fund portfolios worth over ₹65,000 Crore. His job was finding problems in portfolios BEFORE they cost money.
The tools he used daily — overlap analysis, risk-adjusted metrics, benchmark deviation tracking — weren't secret. The frameworks were publicly documented. His mission is to make these same tools accessible to every Indian investor.
Career Timeline
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₹599
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₹6,286
₹3,999
One-time payment · 1-year membership
100% money-back guarantee on your first course
Keep Learning
2 more beginner-level courses
6 Ratios + Emergency Fund
The 6 financial ratios that predict your financial future — emergency fund, debt-to-income, investment rate, insurance coverage, FIRE number. Calculated for your life. No jargon.
Expense Management + Net Worth
Track, measure, and optimise your expenses. Calculate your true net worth. Build a monthly financial dashboard that takes 15 minutes.
100% Money-Back Guarantee
If you go through the course and genuinely feel like you didn't learn anything useful — email us within 7 days. Full refund. No questions asked.
Group doubt-clearing
Live group session included with every course. Ask anything about the content. Session dates notified over email.
included free ✓1-to-1 mentoring session
45 min with Nikhil. Understand your financial concepts better. Clarify your thinking on asset allocation, risk, and strategy. Educational guidance — not investment advice.
this is an educational mentoring session, not investment advisory
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Take the first step towards mastering your finances. Join thousands of students who have transformed their financial future.
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Frequently Asked Questions
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