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Let's Talk Money

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4.44  ·  Rating details ·  2,107 ratings  ·  407 reviews
We work hard to earn our money. But regardless of how much we earn, the money worry never goes away. Bills, rent, EMIs, medical costs, vacations, kids' education and, somewhere at the back of the head, the niggling thought about being under-prepared for our own retirement. Wouldn't it be wonderful if our money worked for us just as we work hard for it? What if we had a pro ...more
Paperback, 204 pages
Published June 2018 by Harper Business
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Average rating 4.44  · 
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 ·  2,107 ratings  ·  407 reviews


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peachygirl
Jul 26, 2021 rated it it was amazing
Shelves: read-in-2021
A treasure trove of information!
Sumirti Singaravel
If you're looking for a simple, easy source to know about all the available investment options in India, and a little guidance to throw perspectives on them, Let's Talk Money is the best book one can go for.

The book is entirely jargon free, and gives enough tips and guidance to help one to ask the right questions and make some of the important investment decisions. The book's coverage on Insurances - Life Insurance and medical insurance - is a boon, and the author covers a fair amount of detail
...more
Chaitanya Sethi
Oct 12, 2020 rated it really liked it
Shelves: indian, management, advice
I picked up this book because I'd seen two friends recommend it highly. I tread around advice books, and advice on money particularly, very cautiously, for the simple reason that I don't trust others to be honest with financial tips and tricks. But this book is an exception.

At 208 pages, it's short but covers how you can plan your finances. Covering topics across a wide range - insurance policies, fixed income products, equity products, emergency funds, life insurance, mutual funds, retirement c
...more
Barun Patra
Jun 03, 2020 rated it it was amazing
Immensely relevant for someone starting out on a journey to read about Personal Finance. Easy to understand, covers a wide range of topics with interesting examples. Feels like a one on one discussion with Monika where she answers all my beginner questions.

I will try to brief some of the more important takeaways. There are three basics that we should have covered before thinking full time about investments.

-> Emergency Fund - This is the bare minimum one has to think of especially with the curre
...more
Manas Saloi
Jul 06, 2019 rated it it was amazing
Must read for everyone. If anyone talks personal finance to me going forward I will just send them this book's link

Anyone who sees this review please get the book asap!
...more
Sairam Krishnan
Feb 11, 2021 rated it it was amazing  ·  review of another edition
I wish I had this book when I was 25. Pure gold (in bonds, I guess!).
Upanshu Malhotra
May 30, 2021 rated it it was amazing
An easy to understand book on tips on how to save your money, where to invest and how to manage your portfolio along with tips till the end of your life.

Being a newbie to financial market, there are terms you might get confused but Monika explained those terms quite well.

The book takes into consideration the Indian economy, thus all the tips are from Indian market’s perspective.

As mentioned a lot of times, this book won’t help you generate “quick money” (bitcoin is a big “no” from her side). Her
...more
Priyanka
Sep 15, 2020 rated it really liked it
Shelves: 2020
Initially I was thinking of not reviewing this book. This book belong to that category of books which I slyly read and then discard(so many self help books and so little personal growth :D) Why should I let the world know how illiterate I am in terms of financial planning even with a decade of work experience? Then I thought about that one person who might be starting out in a new job and the difference this book can make in their life. So here I am.

I am a fairly prudent person when it comes to
...more
Milan
Feb 29, 2020 rated it really liked it
Shelves: non-fiction, money, india
I have been reading articles written by Monika Halan since the time she used to write for Outlook Money. Now she writes for Mint and I still read her. This is a perfect book for any one starting with their financial planning or wants to understand the financial products being sold in India. The book provides a rough map for one's financial journey. She talks about tracking expenses and incomes, investing in equity, mutual funds, provident funds, having adequate insurance of various types, having ...more
Ankit Kulkarni
Oct 18, 2018 rated it it was amazing
Recommended to Ankit by: Amber Jain
I would say a must read. A lot of financial mistakes what Monika has highlighted are done by the majority of people. However, this is one of the best getting started guide for starting with managing your own finance.

One thing I really miss in the book is a single summary chapter of do's and don'ts. For someone from without a finance background, there is too much information(all easy) but too much to remember. Would recommend taking notes while reading or a checklist else its easy to forget impo
...more
Prajna G.S.
Sep 27, 2021 rated it really liked it
Specially customized for the Indian environment. I strongly recommend this book for anyone aiming for FINANCIAL FREEDOM :)
Varsha
Feb 04, 2021 rated it it was amazing
Everyone who wants to start getting their financial life sorted should read/listen to this book. Specially for those living in India.
Mohammad Safdar
Apr 08, 2020 rated it it was amazing
This is easily the most relevant personal finance book from an Indian perspective. I was scared it’ll be either too lengthy or too jargon-filled but it was surprisingly none.

With a money box analogy, Monika Halan draws a clear-cut plan for the Indian middle class, gives enough reasons to follow it through personal anecdotes, debunks myths about insurance, investing and others - all in less than 200 pages!

And no, you do not need to be at the start of your career to make the most out of this book
...more
Santhosh Guru
Sep 06, 2020 rated it really liked it  ·  review of another edition
I never thought about writing a will and have always assumed nominees are enough. I learnt that writing a will and naming legal heir is one of the most important personal finance decisions to be made.

I am not a newbie to personal finance. But this is a solid book introducing newbies into personal finance. The lucid writing and explaining some fundamentals in a clear way from an Indian investor perspective is the biggest strength.

(I actually wanted to give three stars as the book played really s
...more
A Man Called Ove
Jun 09, 2021 rated it really liked it
For the first 2-3 chapters, I felt as though I was reading a very basic "for dummies" book.
But then it struck me,that at 25, I had bought long-term LIC policies with substantial annual premium.
How at 35, I had invested in MFs without setting up my goals or understanding what each mutual fund entailed. (Do I now ?)
How yesterday, I decided to switch an investment decision in RBI savings bonds to Index Funds/ETFs.
Look who is talking !! :)
------------------------------------------------------------
...more
Pankaj Gupta
Aug 15, 2021 rated it it was amazing
This is an amazing book. I wish I would have read this 5 years back when I started my professional career.

This book gives a great perspective about how should you view your personal finances. Each and every financial product that you purchase should have a goal of what problem is it solving. Monika clearly lays out how to plan around your goals and what kind of financial products works best for them.

Highly recommended for people who are in the early stage of their careers and find it difficult
...more
The  Conch
Aug 28, 2021 rated it it was amazing
Shelves: economics
Our education system does not provide financial lesson. We learn to invest after reckless spending and putting money in risky stocks or complex ULIPS or old fashioned FD, RD of the market.

This book will straight one's financial life and makes worry free. A must read for who is starting there career.
...more
Jyotsana Rastogi
Jun 29, 2021 rated it it was amazing
One of the best books on personal finance in my opinion :)
Apoorva M K
May 22, 2021 rated it it was amazing
Short read but dense. Helped me get up to speed with most of the concepts around personal finance. Importantly, the framework provided is grounded, suited for the Indian household and not fussy.
Raghavendra
Aug 18, 2019 rated it it was amazing
The best personal finance management book out there for an Indian

The type of book you wish you had picked up earlier! Not many financial books are written keeping the Indian context of families or the typical Indian mindset. This book does a fantastic job of dispelling some myths we Indians have financially,gives a clear roadmap on how to manage our money.

I almost facepalmed during the insurance chapter when the obvious fact hit me, insurance is not equal to investment. Some great myths about i
...more
Rohan Satija
Nov 24, 2020 rated it really liked it
A definite read for anyone in their 20's!

Personal Finance is something that Indians really need to master in order to emerge as THE global force of the 21st century and this book certainly helps.

Finance MBAs/ CFAs can give it a miss.
...more
Shruti  Chakravarty
Jul 05, 2021 rated it it was amazing
Shelves: favorites
This book should be mandatory reading for anyone starting the process of building an adult life. At school, we are taught a lot of things, but managing finances is not one of them. Surviving in a capitalist system with zero know-how of how financial products work, how banking works, how taxes work, is what allows the system to fool us and lose our hard-earned money. This book is an easy and crisp introduction to how one can build financial security by employing financial products. My favorite pa ...more
Sindhura
May 26, 2020 rated it it was amazing
Recommended to Sindhura by: Krushidhar Lekkala
I have seriously started to consider doing something with my money in the year 2017-2018. I wish I had read this book when it came out. But at least, I read it now. Some of the things in this book I figured out the hard way and some of them are still eye-opening. Simply and efficiently, Monika Halan talks about money - information and advice gathered from her education, work, and personal experiences. She talks about setting financial goals and gives you some directions on how to achieve them, a ...more
Sudheer Ranjan
Feb 20, 2021 rated it it was amazing
The first best time to read this book is before you earn your first salary. The second best time is before you're forced to invest/buy a dud policy.

An easy and interesting read that drives your way in making the right financial choices. This isn't a quick rich book but one that helps you decode the math behind the policy and prevents you from losing your hard earned money. After reading this book, if you've a typical Indian love for gold, chances are that you will reconsider your decision to inv
...more
Pravesh
Aug 23, 2020 rated it it was amazing
A must read for every Indian who wants to understand and learn personal finance. Monika Halan decodes investment instruments available in India and covers the risks, returns and offerings that these instruments provide.
Karthikeyan SD
Apr 16, 2020 rated it it was amazing
A must-read book for anyone who has started earning and aspires to have a control over their finances.
I cannot recommend this book enough!
Harsha Varma
Aug 06, 2021 rated it really liked it
Short, succinct and simple to implement.

Pointers:
1. Create a cash flow system by using three bank accounts to keep track of income, expenses and investments.
2. Have an emergency fund for 3-12 months (depending on stability).
3. Get medical health insurance (price, benefits and claim settlement history). Has good points for the uninitiated.
4. Get term insurance when you have dependents or the possibility of having dependents (but early enough, say 30, to lock in a good price). Buy online to remove
...more
Sagar Baver
Jun 16, 2021 rated it liked it  ·  review of another edition
Shelves: finance
The narrative is targeted at making sound investment choices in the Indian economy. The "You're doing okay if" sections at the end of each chapter allow you to gauge where you stand and what adjustments you need to make in your financial journey. It is very evident that the author is highly opinionated and resorts to hand-holding regarding asset allocation. Overall, if you're an absolute investment dummy, this book may guide you to draw up your financial plan if you're an absolute investment dum ...more
Ujwal Ratra
Jan 11, 2021 rated it really liked it
A simple, jargon-free read written in purely indian context to help anyone start or improve their personal finance journey. Having spent decades helping people improve their financial lives, the author proposes a cash flow system & creation of various cells in your personal "money box". The advice is really practical & can be applied from the get go. A must read especially for anyone starting out on their personal finance journey. ...more
Deepu George
Sep 01, 2020 rated it liked it
Money management in layman's terms. A book that everybody should read in their 20s at the start of his or her career. Gives you an indian perspective. And adding a book like Rich Dad and Poor Dad to this.. u can call your selves financially literate. ...more
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What did you like about the book? 2 13 Oct 18, 2018 01:05AM  

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Monika Halan is consulting editor and part of the leadership team at Mint. A certified financial planner, she has served as editor of Outlook Money and worked in some of India's top media organizations, including the Indian Express, the Economic Times and Business Today. She has run four successful TV series around personal finance advice, on NDTV, Zee and Bloomberg India, and is a regular speaker ...more

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