Radhika Garodia

Radhika Garodia Making finance simple, one reel at a time!🤑 Taxes | Investing | Financial Plan | Insurance

“I’ve already invested ₹50,000... I can’t back out now.” 📉Pumping more cash into a sinking ship won’t make it float. We ...
22/05/2026

“I’ve already invested ₹50,000... I can’t back out now.” 📉

Pumping more cash into a sinking ship won’t make it float. We keep throwing good money after bad just because we’ve already spent time, effort, or capital on an asset. That’s the Sunk Cost Fallacy. Admitting a mistake hurts your pride, but holding on hurts your wallet way more.

Swipe through for the “Fresh Cash” filter to save your portfolio. 🛑



Sunk cost fallacy investing, averaging down stocks, when to sell a stock, retail trading mistakes, money psychology.

“It’s not ₹80,000. It’s just ₹4,000 a month!” 📱How an expense is presented completely changes your willingness to spend....
19/05/2026

“It’s not ₹80,000. It’s just ₹4,000 a month!” 📱

How an expense is presented completely changes your willingness to spend. Companies use No-Cost EMIs to cleverly hide the true weight of a luxury purchase. That’s the Framing Effect. By shrinking the daily or monthly number, they bypass your brain’s pain point for spending.

Swipe left to see the true cost filter before your next big swipe. 💳



Framing effect finance, EMI trap India, credit card debt psychology, consumer finance tips, budgeting hacks.

“Wow, it’s 70% off! I’m saving so much money.” 🏷️Are you actually saving, or were you just psychologically manipulated? ...
18/05/2026

“Wow, it’s 70% off! I’m saving so much money.” 🏷️

Are you actually saving, or were you just psychologically manipulated? Brands use an artificially high “original price” to anchor your brain into thinking you’re getting a steal. That’s Anchoring Bias. You judge the absolute value of an item based entirely on the very first number you see.

Swipe through to see how to break the anchor and stop falling for fake retail deals. 💸



Anchoring bias examples, marketing traps India, fake discounts psychology, smart shopping tips, consumer behavior.

“I’ll just hold it until it breaks even.” 📉The biggest lie we tell ourselves in the stock market. We hate losing so much...
17/05/2026

“I’ll just hold it until it breaks even.” 📉

The biggest lie we tell ourselves in the stock market. We hate losing so much that we turn a bad short-term trade into a permanent portfolio scar. Psychology calls this Loss Aversion. Your ego is trying to protect your feelings, but it’s destroying your net worth.

Swipe left to take the “Clean Slate” test and save your capital. 🛑



Loss aversion investing, accidental long term investor, cutting losses stock market, portfolio psychology India, retail investor mistakes.

Investing is the goal, but a safety net is the foundation. 🛡️How much you need depends entirely on your career:🏢 9-to-5:...
16/05/2026

Investing is the goal, but a safety net is the foundation. 🛡️

How much you need depends entirely on your career:
🏢 9-to-5: 6 Months of expenses
🎨 Freelancer: 9 Months
🚀 Business: 12 Months

Once you know your number, use the 30/70 Split Strategy to park it:
🔹 30% for Instant Access: Sweep-in FDs. Available in seconds.
🔹 70% for Tax Efficiency: Arbitrage Funds. FD safety but taxed lower.

Check the slides to see exactly how to set this up! 📈

Where do you currently park your emergency cash? Let’s chat below! 👇



How to build an emergency fund in India, where to park emergency cash, Arbitrage funds vs FD, tax efficient investing India, money management for beginners.

Stop wondering where your salary went by the 15th. 💸The 50/30/20 rule is the simplest way to manage your money without f...
15/05/2026

Stop wondering where your salary went by the 15th. 💸

The 50/30/20 rule is the simplest way to manage your money without feeling restricted. It’s about guilt-free spending, not zero spending.

🔹 50% Needs (The Basics)
🔹 30% Wants (The Fun)
🔹 20% Future (The Wealth)

Check the slides for the ₹50k breakdown. 📈

Save this for your next payday! 👇



Learn personal finance India, how to use the 50 30 20 rule, best budgeting tips for beginners, salary distribution guide, and building wealth in your 20s.

13/05/2026

Are you secretly losing money to "hidden" mutual fund commissions? 📉🤔

Welcome to Day 7 of the FY26 Wealth Reset! Today we are auditing the most popular part of the Indian portfolio: Mutual Funds. 🇮🇳

It’s easy to start a SIP, but it’s harder to know if it’s actually performing. Most people just look at the "Total Profit" (Absolute Return), but that doesn't tell the whole story.

✅ The Real Growth Metric: You must look at your XIRR. This tells you the actual annualized return of your money. If your XIRR is lower than a simple Index Fund, it’s time to rethink your strategy!

✅ The Expense Ratio Trap: Check your fund name carefully. If it says "Regular Plan," you are paying an agent commission out of your own pocket every single day. Switching to a "Direct Plan" can save you lakhs over 10-15 years. 💰✨

Don't let hidden fees and "fake" green numbers slow down your wealth creation.

👇 How is your XIRR looking? Is it beating the market? Let me know and drop a 'TRACKED' once your audit is done!

[Search Keywords: Mutual fund audit India, XIRR vs Absolute return, Direct vs Regular mutual funds, SIP tracking, portfolio leakage]

12/05/2026

Stop ignoring your Demat account because it’s "in the red." 🔴📈 Day 6 of the Wealth Reset!

Market volatility is scary only if you don't know your numbers. Today, we face the red to get to the green.

📝 Your Task: Log into Zerodha, Groww, or Upstox and update your tracker with your Total Invested vs. Current Value.

💡 Radz Pro-Tips for your Audit:
1️⃣ Stop Marrying Losers: If you wouldn't buy that "tip" stock today, why are you still holding it? Exit "Dead Stocks" and move that capital to quality. 🧹
2️⃣ The Tax Silver Lining: Did you know booking a loss can SAVE you money? Use Tax Loss Harvesting to set off capital losses against gains. You can even carry these losses forward for 8 years! 📉💰
3️⃣ The 10% Rule: Is one stock carrying your entire portfolio? Don't let concentration risk crash your net worth. Aim for max 5-10% exposure per stock. ⚖️

How’s the portfolio looking today—steady or shaky?

👇 Drop an 'INVESTED' once you’ve faced the numbers!

11/05/2026

Are your FDs secretly losing you money? 🏦📉 Day 5 of the FY26 Wealth Reset!

Aaj ka task: Login to your net banking and check your “guaranteed” money.

⚠️ The Auto-Renewal Trap: Banks often auto-renew FDs at lower prevailing rates!
📉 Post-Tax Reality: If you’re in the 30% slab, a 7.5% FD interest is actually just a ~5.2% real return.
😱 The Nominee Crisis: Thousands of crores are lying unclaimed in Indian banks. Update your nominee via your app today—it takes 2 minutes!

Keep your exposure under ₹5 Lakhs per bank to stay RBI insured. 🛡️

👇 Drop a ‘DONE’ once you’ve updated your tracker!

10/05/2026

Day 4/30: The Hidden Cash Hunt! 💵🔍
Welcome to Day 4 of the Wealth Reset Series!
Aaj hum digital screens se hatkar actual physical cash ki baat karenge.

In the age of UPI and Credit Cards, we often forget the cash sitting in our pockets, travel bags, or that “emergency stash” at home.

But to know your Real Net Worth, every single note counts!

📝 YOUR DAY 4 TASK: Go on a hunt!
Check your:
1️⃣ Current Wallets & Purses 👛
2️⃣ Laptop Bags & Travel Backpacks 🎒
3️⃣ Festive Envelopes or Shagun Envelopes 🧧
4️⃣ Home ‘Emergency’ Drawers 🏠

Total calculate karo aur apne tracker mein entry daalo.

💡 ADDITIONAL INFO: Cash & Income Tax Rules 2026
• The ₹50k Rule: Agar aap ₹50,000 se zyada cash bank mein deposit kar rahe ho in a single day, PAN card mandatory hai. 🪪

• The ₹10 Lakh Limit: Ek saal mein agar aapka total cash deposit ₹10 Lakh cross karta hai, bank is required to report this to the Income Tax Department (Be careful)😉😉

• The Locker Rule: Physical cash ghar par rakhne se behtar hai bank mein rahe—interest bhi milega aur security bhi! 🔐

Have you finished your cash hunt? Was the total more than you expected?

Drop a “DONE” below! 👇

09/05/2026

Day 3/30: The Ultimate Shock Absorber! 🛡️💸

Welcome to Day 3 of the Wealth Reset Series! Aaj hum us paise ki baat kar rahe hain jo aapko raat ko chain ki neend deta hai—Your Emergency Fund.

Bohot log ek badi mistake karte hain: They treat their credit card limit as their emergency fund. 🚫 A credit card is a loan at 36%+ interest, not a safety net!

📝 YOUR DAY 3 TASK:
Log into your master tracker and create two columns today:
1️⃣ Current Amount: Exactly how much cash you have specifically set aside for emergencies today and where you have parked it. (Don’t have one yet? Write a big, bold ‘0’. Honesty is the first step to building real wealth!)
2️⃣ Target Amount: Calculate your basic monthly survival expenses (rent, groceries, EMIs, insurance) and multiply it by 6. This is your FY26 goal! 🎯

💡 ADDITIONAL INFO: Where should you keep this money?
Never keep your emergency fund in the stock market (Equity MFs or Direct Stocks). Agar market crash hua aur tabhi aapko emergency aayi, you will have to book massive losses. 📉
Instead, park it in:

Sweep-in FDs: Gives you FD-like interest but ATM-like liquidity!

Liquid Mutual Funds: Low risk, can be withdrawn in 24 working hours, and offers slightly better returns than a savings account.

A Separate High-Yield Savings Account: Keep this account physically separated from your UPI apps so you aren’t tempted to spend it!

Have you logged your Current and Target amounts? Drop a “DONE” below! 👇

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