Books
Long-form financial writing designed to make retirement planning more practical, relatable and easier to navigate.
This page brings together my long-form writing in personal finance and retirement planning, beginning with my first book — The Second Half of Zindagi! The book reflects the same philosophy that shapes my work across articles, media and client conversations: making financial decisions easier to understand, more grounded in real life, and more meaningful over the long term.
FEATURED BOOK
The Second Half of Zindagi!
Your Guide to Financial Freedom, Purpose & Well-being in Your Retirement
Retirement is often reduced to a number — a corpus target, a calculator output, or a rough estimate of “how much is enough.” But the reality is far more layered than that.
The Second Half of Zindagi! is a practical and relatable guide to retirement planning that looks beyond formulas and asks the deeper questions retirement really brings with it — financial independence, cash flow, healthcare, longevity, lifestyle, purpose, family dynamics and the emotional shift from earning to living off accumulated wealth.
Written in an accessible, story-led style, the book combines financial planning with real-life retirement realities to help readers approach this phase of life with greater clarity, confidence and perspective.
WHAT THE BOOK COVERS
Building the Financial Foundation
Retirement readiness, setting realistic expectations and beginning with the right groundwork.
Designing Your Ideal Retirement
Looking beyond numbers to think about lifestyle, purpose, priorities and what you want the second half of life to look like.
Protection First
Health insurance, emergency reserves, debt, risk management and the safeguards retirement planning cannot ignore.
Age-wise Planning
What retirement planning looks like in your 20s, 30s, 40s, 50s and 60s — and how priorities shift with time and responsibilities.
When Things Don’t Go According to Plan
Late starts, shortfalls, setbacks, unexpected disruptions and the adjustments needed when life moves off-script.
Special Retirement Realities
Retirement planning for women, changing family structures, emotional transitions and other realities that don’t fit neatly into a spreadsheet.
Legacy and Life Beyond Money
Estate planning, financial organisation and thinking about purpose, fulfilment and impact in the second half of life.
WHY I WROTE THIS BOOK
For many people, retirement is seen only through the lens of investments. But retirement is a life transition shaped by health, inflation, family responsibilities, changing routines, emotional identity, lifestyle choices, financial uncertainty and the question of what life is meant to look like once work is no longer at the centre of it.
I wrote The Second Half of Zindagi! to make retirement planning more holistic, practical and human — a guide that helps people think through the money side of retirement as well as the real-life decisions and adjustments that come with it.
WHO THIS BOOK IS FOR
- Professionals beginning to think seriously about retirement
- Individuals in their 40s and 50s organising their finances
- Couples preparing for the transition into retirement
- Late starters who feel behind and need a realistic roadmap
- Families helping parents with retirement decisions
- Readers who want practical guidance without jargon
- Anyone who wants to understand retirement as a financial and life transition
INSIDE THE BOOK
A practical guide built around real-life situations and actionable insights.
- Story-led chapters and relatable characters
- Practical frameworks and simple explanations
- Real-world issues: inflation, healthcare, shortfalls, late starts and cash flow
- Age-wise perspectives on changing priorities
- Financial and non-financial dimensions of retirement
- Tools, checklists and reflective questions
A BOOK ROOTED IN REAL QUESTIONS
This book brings these questions together in one place to help you think clearly, plan better and take action with confidence.
Good retirement planning gives you choices.
Great retirement planning gives you freedom.
MORE BOOKS & FUTURE WRITING
This page will continue to grow with future books, long-form writing projects and other published work over time.
For now, it serves as the home for The Second Half of Zindagi! — a book built around the belief that retirement planning deserves both financial rigour and human understanding.
Explore the second half with greater clarity
If retirement planning has felt overwhelming, technical or difficult to begin, The Second Half of Zindagi! is designed to make the subject more approachable — one idea, one decision and one chapter at a time.