6 Ratios + Emergency Fund
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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₹399
One-time payment
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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
Expense Management + Net Worth
Track, measure, and optimise your expenses. Calculate your true net worth. Build a monthly financial dashboard that takes 15 minutes.
Beginner's Investment Masterclass
If you're starting from zero, start here. The foundation everything else builds on. From first principles.
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
Ready?
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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