{"product_id":"2-cubicles-2-futures-same-salary-different-decisions-a-money-guide-for-india-s-salaried-professionals","title":"2 Cubicles, 2 futures: Same Salary, Different Decisions : A Money Guide for India’s Salaried Professionals.","description":"\u003cp\u003e\u003cstrong\u003eAbout The Book\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eTwo colleagues sit in neighbouring cubicles. They earn the same salary, work the same hours, and take home the same amount on the first of every month. Thirty years later, one retires worried about money. The other retires with choices.\u003c\/p\u003e\n\u003cp\u003e2 Cubicles, 2 Futures follows Karan and Rudra, two ordinary professionals whose lives split because of a handful of money decisions, not because of luck or a bigger paycheck. Along the way you also meet Laxmi, a freelance designer whose income arrives unevenly, to show that the same principles work without a fixed salary.\u003c\/p\u003e\n\u003cp\u003eWritten for India’s salaried professionals, the book answers the questions every beginner asks, in plain language and in order:\u003c\/p\u003e\n\u003cp\u003eWhy should you invest when a savings account feels safe?\u003cbr\u003eWhen should you start, and what does waiting really cost?\u003cbr\u003eHow much should you invest, and where should an emergency fund sit?\u003cbr\u003eWhere should the money go: stocks, mutual funds, or other options?\u003cbr\u003eHow do you take money out in retirement without running out?\u003cbr\u003eWhich common mistakes quietly undo years of good decisions?\u003cbr\u003eHow do taxes change what you actually keep?\u003cbr\u003eEvery chapter uses simple tables, charts and Indian rupee examples, and ends with a short action you can take in fifteen minutes. There is no jargon, no get-rich-quick promise and no tips on picking the next hot stock.\u003c\/p\u003e\n\u003cp\u003eIf you \u003cimg\u003ehave ever felt relief on salary day and dread by the middle of the month, this book will show you where the two futures begin, and which one you can still choose.\u003c\/p\u003e\n\u003cp\u003eAll figures are illustrative. This book is for education and is not investment advice.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eAbout The Author\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eKaran K Gokani is an AMFI-registered Mutual Fund Distributor (ARN-253913) based in Rajkot, Gujarat. Since 2022 he has run Gokani Investment, helping everyday investors start and stay invested through mutual funds. He holds the NISM Series V-A: Mutual Fund Distributors certification.\u003c\/p\u003e\n\u003cp\u003eKaran continues to work in the corporate world. Over 11 years of working alongside salaried colleagues, he has seen the same pattern again and again. Some people on decent salaries quietly built real wealth, while others earning far more ruined their finances. The difference was never income. It was awareness.\u003c\/p\u003e\n\u003cp\u003eHe wrote 2 Cubicles, 2 Futures to create that awareness, because it is the first step on the path to financial freedom.\u003c\/p\u003e","brand":"Classic Shelf","offers":[{"title":"Default Title","offer_id":68200702836973,"sku":null,"price":254.0,"currency_code":"INR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0765\/3520\/2029\/files\/1shopifyfrontcover_9c9034df-8254-47a6-a241-817430cea82f.jpg?v=1793966748","url":"https:\/\/classicshelf.in\/products\/2-cubicles-2-futures-same-salary-different-decisions-a-money-guide-for-india-s-salaried-professionals","provider":"Classic Shelf","version":"1.0","type":"link"}