How to Multiply Money: Legitimate Routes

by M K Devidasan

Everyone dreams of financial freedom—but only a few know how to achieve it the right way. In a world filled with “get rich quick” schemes and risky promises, this book is your clear, practical, and ethical guide to multiplying money step by step.
In How to Multiply Legitimate Routes, you’ll to build a strong foundation of saving, budgeting, and debt-free living.Safe and reliable options like bank deposits, bonds, government schemes, and insurance.Smart investing strategies in stocks, mutual funds, gold, and real estate.Modern opportunities through digital income, e-commerce, freelancing, and passive income streams.Advanced strategies for entrepreneurship, global investing, and legacy planning.Written in simple, easy-to-follow language, this book blends timeless financial wisdom with modern opportunities. It is designed for students, professionals, entrepreneurs, retirees, and families—anyone who wants to grow their wealth without fear of scams, losses, or illegality.
By the end of this book, you will not just understand how money grows—you will have a personal roadmap to multiply your wealth securely, steadily, and legitimately.

Genres: Finance, Money

152 pages, Paperback

Published September 29, 2025

Reviews

[Megha Bhatia · Rating 5 out of 5]

I was drowning in credit card debt and didn't know where to start. The debt-free living strategies in this book were a game-changer for me. The step-by-step approach helped me create a payment plan that actually works. I'm finally seeing progress. The book taught me to prioritize high-interest debt first, something I never understood before. Within two months of following the advice, I paid off one entire credit card and I can see the light at the end of the tunnel now.

[Megha Bhatia · Rating 5 out of 5]

The most useful thing was the fact that the book focuses on establishing a base first. There are too many resources that will give you the impression that you should go directly to investment. This one will teach you to sort out your financial situation first before making more big strides. The wisdom in itself is worth such price. The rule of the three-month emergency fund appeared simple initially, but the author clarified situations where emergency fund-less people were forced to dispose investment at a loss in times of crisis. Such sensible thinking led me to establish my safety net firstly.

[Rajendra Kumar · Rating 5 out of 5]

In "How to Multiply Money: Legitimate Routes," author M K Devidasan presents a comprehensive guide to achieving financial freedom through ethical and practical means. Devidasan emphasizes the importance of establishing a solid financial foundation, covering essential topics like saving, budgeting, and living debt-free.

Readers will learn about safe investment options, including bank deposits, bonds, and government schemes, as well as smart strategies in stocks, mutual funds, and real estate. Devidasan’s blend of timeless wisdom and contemporary insights makes this a valuable resource for anyone serious about multiplying their money💖

[Novell_Nest · Rating 5 out of 5]

As a college student, I had zero knowledge about investing or saving. This book explained everything in such simple terms that even I could understand. The section on building a foundation before jumping into investments was eye-opening. I've already started applying what I learned about emergency funds. My friends are still spending everything they earn, but I now understand the importance of saving first. The examples used in the book were so relatable that I could see myself in those situations, which made learning much easier.

[Surbhi Jain · Rating 5 out of 5]

The global investing section expanded my horizons. I never realized ordinary people could invest internationally. The book explains the basics without overwhelming you with complex financial terms. I'm now researching international index funds. Learning about currency risk and geographical diversification made me realize my entire portfolio was concentrated in one country. The chapter gave me confidence to explore opportunities beyond my home market while understanding the additional considerations involved.

[Aradhya · Rating 5 out of 5]

I've read several finance books before, but they were all filled with complicated jargon. This one is different. The author uses everyday language that anyone can follow. The chapter on digital income streams opened my eyes to possibilities I hadn't considered before. I never thought someone with my regular job could create additional income sources from home. The practical steps outlined for starting freelancing or e-commerce ventures were clear and achievable, not some vague advice that leaves you confused.

[Twinkle Kapse · Rating 5 out of 5]

I picked up this book because I was tired of hearing about schemes that seemed too good to be true. Finally, someone wrote a guide that focuses on real, honest ways to grow money. The chapter on budgeting alone changed how I look at my monthly expenses. I feel more confident now about my financial future. What really stood out to me was how the author doesn't make wild promises but instead gives you tools that actually work. I've already started tracking my spending habits and I can see where my money was disappearing before.

[Brijesh Singh · Rating 5 out of 5]

The Real Estate Investing section cleared up a lot many misconceptions I had for I always thought that I needed millions to invest in property.
The book very clearly explains practical entry points and helps around what to watch out for. It's very helpful for someone...like me, who's been sitting on the fence. I learned about REITs and how I can participate in real estate growth without buying physical property.
Even warned about common mistakes first time property investors make, which can surely save anyone from rushing into making a not so worthy decision.

[Booklover · Rating 5 out of 5]

The chapter on e-commerce was surprisingly detailed. I've been thinking about starting an online business, and this gave me the financial perspective I was missing.

It's not just about making money but managing it wisely once it starts coming in. The book covered inventory management, cash flow in online businesses, and even tax considerations for e-commerce ventures.

These practical insights have helped me create a proper business plan instead of just diving in with enthusiasm but no financial structure.

[Isha · Rating 5 out of 5]

Being a small business owner, the entrepreneurship strategies gave me fresh ideas. I learned how to reinvest profits smartly instead of just keeping everything in my business account. My financial advisor was impressed when I discussed these concepts with him. The book taught me about separating personal and business finances properly, something I'd been handling messily until now. The section on scaling businesses while managing cash flow was particularly relevant to where I am in my entrepreneurial journey.

[Manu · Rating 5 out of 5]

I'm a teacher with a modest salary, and I always thought wealth-building wasn't for people like me. This book proved me wrong.

The government schemes section showed me safe options that match my risk tolerance perfectly. I feel included in the financial conversation now.

The book specifically addressed people with regular incomes who can't afford to take big risks or recover from major losses.

Learning about PPF, NSC, and other schemes designed for people exactly like me was incredibly empowering and reassuring.

[Dhivya Bavananthi · Rating 5 out of 5]

The mutual funds chapter was exactly what I needed. I always thought investing was only for rich people or experts. This book broke down how ordinary people like me can start with small amounts and grow wealth over time. I've already opened my first investment account. Learning about SIPs and how consistent small investments can compound over years was mind-blowing. The author explains the difference between various types of funds in such simple terms that I felt confident making my first investment decision.

[Kamya · Rating 5 out of 5]

The digital income chapter came at the perfect time for me. I was looking for ways to earn extra money from home. The book lists legitimate platforms and methods without any shady shortcuts. I've started my first freelancing gig based on the guidance here.

What I appreciated most was the realistic expectation-setting about how much time and effort these ventures require. The author didn't make it sound like easy money but showed me sustainable ways to build additional income streams gradually.

[Prayash Patel · Rating 5 out of 5]

As a retiree, I found the sections on safe, steady growth most relevant. The book understands that not everyone wants high-risk investments. The focus on preserving wealth while still earning returns was exactly what I needed at this stage of life.

I learned about monthly income plans and senior citizen savings schemes that I wasn't fully aware of before. The chapter on healthcare costs and inflation protection helped me adjust my retirement corpus calculations to be more realistic about future expenses.

[Bookworm · Rating 5 out of 5]

The practical examples throughout the book made everything relatable. When the author explained compound growth using simple scenarios, it clicked instantly.

I've shown those pages to my husband, and we're now planning our investments together. The examples used different salary levels and life stages, so I could find situations that mirrored my own.

We've started having monthly financial planning meetings at home, something we never did before despite being married for ten years.

[Saniya Singh · Rating 5 out of 5]

What I loved most about this book is that it doesn't promise overnight riches. Instead, it gives you a realistic roadmap. The part about government schemes was particularly useful for me since I never knew such safe options existed. I'm recommending this to all my friends. The author takes time to explain why slow and steady wins the race when it comes to wealth building. I also appreciated the warnings about common traps people fall into when they're desperate to make quick money.

[Read With Her · Rating 5 out of 5]

I appreciated how the book covers both traditional and modern ways to multiply money. The balance between bank deposits and cryptocurrency information was perfect. It helped me understand where I should be cautious and where I could take calculated risks. The chapter on digital assets didn't push me into risky territory but educated me about what exists in today's world. I now have a diversified approach that includes both safe options and some modern opportunities that match my risk appetite.

[Maneka Gupta · Rating 5 out of 5]

As someone who's always been afraid of numbers, I was worried this book would be too technical. But the simple language and real-life examples made everything clear. The chapter on compound interest actually excited me about saving money. The author used stories and scenarios instead of complex formulas, which made the concepts stick in my mind. I even explained the rule of 72 to my kids last week, something I never thought I'd be able to do.

[Pooja Bohra]

What impressed me most was the chapter on legacy planning. I never thought about what happens to my wealth after I'm gone. This book made me realize the importance of planning for my children's future, not just my present needs. The section on wills, trusts, and proper documentation opened my eyes to things I've been postponing for years. I've now scheduled meetings with a lawyer and financial planner to get my affairs in order, thanks to the wake-up call this book provided.

[⭐Toonasa⭐ *Romance Book Lovers' Haven* (For long and deep.... reviews!) · Rating 5 out of 5]

I got this book for my aunt's daughter who just started her first job. She told me last week that she's already implemented the savings strategy from chapter two. It's written in such a relatable way that young adults can easily connect with it. She particularly loved the section on building credit responsibly and avoiding the debt trap that many of her peers fall into. The book has sparked regular financial conversations between them, which I think is a valuable outcome.

[Paperback_reviews · Rating 5 out of 5]

I appreciated the honest discussion about risks. The book doesn't hide the fact that some investments can lose value.

This transparency helped me make informed decisions rather than jumping blindly into something because it sounded good. The risk-return relationship was explained so clearly that I now understand why government bonds give lower returns than stocks.

I've learned to match investments to my goals rather than chasing the highest returns without considering the risks involved.

[Natasha Agarwal · Rating 5 out of 5]

As a freelancer, the section on passive income streams resonated with me deeply. I learned about creating multiple income sources instead of relying on just one. The practical tips on e-commerce were bonus knowledge I didn't expect. The book explained how to set up systems that earn money even when I'm not actively working. I'm now working on creating digital products that can generate income long-term, something I never considered before reading this book.

[Mouma Sarma · Rating 5 out of 5]

I've wasted money on risky schemes in the past, so I was skeptical about any finance book. But this one focuses purely on legitimate routes, just as the title says. The insurance chapter alone saved me from making another expensive mistake. The author clearly distinguishes between investment and insurance, something agents often blur deliberately. I now understand what policies I actually need versus what's being pushed on me for commission purposes.

[Ridhima Kushwah · Rating 5 out of 5]

The writing style is so much like a friend explaining finance over coffee rather than a lecturer talking down to you.
Finished reading the book in three days for I couldn't wait to explore and understand the next suggestion around a better financial management🙌

The chapter on avoiding scams was particularly eye opening🤞

[Manoj · Rating 5 out of 5]

I loved how the book caters to different life stages. Whether you're a student, professional, or approaching retirement, there's something valuable for you. I'm in my 30s and found the middle chapters most relevant, but I'll definitely revisit others as I age.

[Pari · Rating 5 out of 5]

What separates this book from others is its ethical foundation. Every strategy is legitimate and legal. After losing money to a "too good to be true" investment last year, I needed this reassurance. The book restored my confidence in financial planning.

[Pratiksha Patel · Rating 5 out of 5]

The personal roadmap concept at the end really tied everything together. Instead of feeling overwhelmed with all the options, I now have a clear path forward based on my situation. This book gave me a plan to actually multiply money.

[Yinf · Rating 5 out of 5]

This book is both educational and empowering. It explains financial concepts in simple language while providing a clear roadmap for growing wealth safely and steadily. A great resource for students, professionals, entrepreneurs, and families.

[Komal Kumari · Rating 5 out of 5]

The book's approach to stock market investing is so refreshing. Instead of hyping it up or scaring you away, it presents facts and strategies. I finally understand what diversification really means and why it matters for someone like me.

The author explains market cycles and why panic selling during downturns is usually a mistake. I've learned to take a long-term view rather than checking my portfolio every single day and stressing over short-term fluctuations.

[Thulasi · Rating 5 out of 5]

I loved the section about gold investments. My grandmother always said gold was valuable, but I never understood how to actually invest in it properly. This book explained physical gold, gold bonds, and ETFs in ways that made complete sense to me. I discovered that I don't need to buy heavy jewelry or store physical gold at home to benefit from gold investments. The comparison between different gold investment options helped me choose what works best for my situation and storage constraints.