Personal Finance 101: Everything You Actually Need 2026 | ft. Pranjal Kamra скачать в хорошем качестве

Personal Finance 101: Everything You Actually Need 2026 | ft. Pranjal Kamra

In this thought-provoking episode of the Divya Jain Podcast, Divya sits down with Pranjal to unpack the real psychology of money, investing, and middle-class conditioning—beyond tips, trends, and social-media noise. This is not an episode about “which stock to buy.” It’s about why we think the way we think about money. From childhood scarcity and inherited financial behaviours to dopamine-driven trading, influencer culture, and the illusion of control in markets—Pranjal explains why most people aren’t investing, they’re gambling, even when they believe they’re being smart. The conversation dives deep into: – why investing feels scary and boring at the same time – how certainty addiction drives bad financial decisions – why credit cards, F&O, crypto, and instant loans hijack behaviour – how media, platforms, and incentives quietly push people to transact – why most Demat accounts remain dormant despite record openings Pranjal also breaks down the difference between saving, investing, and speculating, why diversification is misunderstood, and why returns are less about intelligence and more about temperament. This episode is for anyone who wants to build wealth without chasing dopamine, understand risk without fear, and develop a calm, long-term relationship with money. ⏳ Timestamps 00:00 – Introduction & The Financial Content Explosion 02:40 – Information Overload & Why Curation Matters 06:15 – The Dopamine Trap of Vertical Scrolling 10:30 – Should Financial Influencers Be Regulated? 15:20 – Why Women Often Outperform Men in Investing 20:10 – The Real Role of Diversification (15–30 Stocks Rule) 26:00 – Education vs Investing Success 31:45 – The Mindset Shift That Builds Wealth 37:10 – Overconfidence, Peer Validation & Social Media Noise 43:30 – Why 13–14% Returns Are More Than Enough 48:15 – Active Income vs Trading Addiction 50:40 – The Simple Framework for 99% Investors 52:28 – Final Takeaways & Discipline Rules ✨ What You’ll Learn in This Episode? How childhood scarcity shapes adult money behaviour Why investing feels like gambling to most people The dopamine trap behind trading, crypto & F&O Why certainty is more addictive than returns How incentives of brokers, media & platforms are misaligned Why most investors should stop trying to “beat the market” The real role of FDs, mutual funds, gold & real estate Why temperament matters more than IQ or math skills How influencer culture distorts financial decision-making Why boring investing often works best 🌐 Connect with Guest – (Pranjal)   / pranjal-kamra-365355a0     / pranjalkamra   ➤ Follow & Connect with Divya Jain: Instagram:   / divsjain   YouTube:    / @divyajainyoutube   Shorts Channel:    / @divyajainclips   LinkedIn:   / divyajainseekho   Disclaimer: This episode is intended for educational and informational purposes only. The discussion reflects personal opinions, experiences, and general financial understanding, and should not be considered investment, tax, legal, or professional advice. Viewers are advised to conduct their own research or consult a qualified professional before making financial decisions.