What Happened When My Job Change Left My Family With Zero Health Cover for 45 Days? In April 2023, I switched jobs. My old employer’s group health policy ended the day I resigned, and the new employer’s group cover only kicked in after a joining formalities process that stretched to 45 days. I didn’t think … Read more
What Made Me Actually Check My Mutual Fund’s Expense Ratio After 5 Years? In June 2024, I logged into my CAS, the Consolidated Account Statement that CAMS or KFin Technologies generates, covering every mutual fund folio you hold, mostly to check my SIP totals for the year. I noticed a column I’d scrolled past for … Read more
What Actually Happened When I Lost My Job With ₹18 Lakh in “Assets”? In August 2022, I got laid off from a marketing role I’d held for four years. On paper, I wasn’t worried my net worth statement showed roughly ₹18 lakh: a ₹6 lakh five-year tax-saving fixed deposit opened in 2021, an ancestral plot … Read more
What Actually Happened When We Needed ₹3.2 Lakh in Under a Day? In March 2024, my father had chest pain on a Tuesday evening. We rushed him to a private hospital in Ahmedabad, and by the next morning the cardiologist wanted to go ahead with an angioplasty and a stent. The hospital’s insurance desk said … Read more