HeyJaredClear Money Thinking
Clear thinking about money, discipline, and long-term wealth.
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- Sep 16, 2026
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- Jul 8, 2026
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Three people want to borrow your money (opens the original)
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You're Not Bad With Money. You're Unaware. (opens the original)
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A friend told me last year that he is just bad with money.He earns well. No debt, no crisis, nothing wrong in his life. He said it the way people say they are bad with directions. Like it is a fixed fact about him and there is nothing more to discuss.Thanks for reading Clear Money Thinking! Subscribe for free to receive new posts and support my work.<input class="button pr
You Were Not Born Into Wealth. You Can Still Die With It. (opens the original)
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No one in my family ever sat me down and explained investing to me. Nobody told us about EMIs. I learned both the hard way, in real time, mostly thru mistakes I made after moving to a country where none of the old rules applied any more.This is not a complaint. It is just the starting point most of us really have. Nobody in your family talked about compounding at the time of meal. You were born into a family that talked about getting thru the month. Those are two entirely different educations.Si
Why Rich People Use Debt Differently (opens the original)
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A landlord in Birmingham owns six properties. Five of them have mortgages on them. His name is on five separate loans at once. He owes the bank more money than most people will ever earn in their lifetime. And his net worth is growing faster than almost everyone he knows.He is not unusual. He is the rule.The image most of us carry of a wealthy person is someone debt-free. No loans, no EMIs, no borrowed money. Just assets, cash, and clean financial freedom. That image is almost always wrong, and
Why Compounding Feels Boring Until It Changes Your Life (opens the original)
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A monthly SIP of ₹10,000, held for 20 years at the Nifty 50's historical average return of 12.8%, becomes approximately ₹1.11 crore. You would have put in ₹24 lakh of your own money. The remaining ₹87 lakh built itself while you were doing other things.That number is not a trick or a best-case scenario. It is the historical math of one of the most accessible indices in the world, applied to an amount most salaried Indians can manage. And yet most people who start a SIP never reach year 20. They
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