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.
The Honest Picture
Most people are mentally carrying a financial picture of themselves that quietly inflates over the years. This module ends with the real one, on paper, for the first time.
Where The Money Actually Goes
A real, unvarnished breakdown of what a tier-one city extracts from a professional salary every month. Not the textbook version. The version with the leaks you stopped noticing.
The Real Safety Net
The standard advice about emergencies in this country is calibrated for a country that no longer exists. This module reframes whata safety net actually has to do in metro India today, and ends with the specific amount your life needs.
The Quiet Wealth Killer
There's a single ratio that, if it's wrong, makes every other financial move in your life less effective. Most professionals have never calculated theirs. This module ends with that ratio for your life, and the line you don't want to cross.
Growth, Protection, And The Difference
A surprising number of people in this country are not investing the way they think they are, and not protected the way they think they are. This module surfaces both gaps and ends with two numbers about your household.
The Distination
Almost nobody has computed the corpus their life actually needs. They invest toward a vague feeling instead of a specific target. This module ends with that target, calculated for the specific life you're planning to live. Almost nobody has computed the corpus their life actually needs.
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.
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₹399
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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
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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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