THE UPGRADE CLUB · A DIGITAL EBOOK
THE Money Rules
25 rules every Indian woman should know before she needs them.
A practical guide to owning, protecting, growing, earning and keeping your money—with Indian examples, numbers and actions you can actually use.
IF THIS SOUNDS FAMILIAR
You can be good at your career and still not feel in control of your money.
Not every one of these will apply to you. Perhaps a few do.
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“That gap is extremely common, and it is not a gap in intelligence. It is a gap in what got explained.”
“I should probably know this.”
“I know what I’m doing.”
No shortcuts and no promises of returns. The book gives you three things: knowledge you can act on, systems that don’t depend on willpower, and a short list of actions at the end of every rule.
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THE FRAMEWORK
Money isn’t meant to be worried about. It’s meant to be handled — competently, quietly, intentionally.
Twenty-five rules in five parts, arranged roughly in the order you should do them.
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WHAT’S INSIDE
The 25 rules.
Each rule has the argument, the data behind it, and a short list of things to do this week.
You’re not meant to do all twenty-five at once. Read it through, pick the three that matter most to you, and start there.
THE TOOLKIT
And then there’s the toolkit.
Don’t just read about money. Work on yours.
DON’T KNOW WHERE TO START?
Follow the 30-Day Money Reset.
One practical task a day, each linked to the rule it comes from.
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Plus sources and further reading at the back of the book.
THE 30-DAY MONEY RESET
30 days to get your money life in order.
A simple 30-day sequence of small financial actions. Most take minutes, not afternoons.
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A FEW DAYS FROM THE PLAN
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This book is for you if…
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This is not:
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MEET THE AUTHOR
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Founder, The Upgrade Club
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“A set of rules specific enough to act on, grounded in Indian numbers rather than American ones.”
WHY YOU CAN TRUST IT
Every statistic quoted in the book is sourced, with sources listed at the back.
67%
of working women in India depend on a male family member for financial decisions.
IndiaLends #WorkingStree survey, 2023 — as cited in Rule 1
Assumptions are labelled as assumptions
Where the book shows how a monthly SIP could grow, it says plainly that the example is based on a 12% assumed annual return and 6% inflation. They’re illustrations, not promises.
Built on Indian context
EPF, NPS, PPF, SIPs, state stamp duty, succession law and stridhan — with sources that include DBS Bank India & CRISIL, NITI Aayog and Supreme Court judgments.
FAQ
Questions, answered.
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This book is financial education, not financial advice. The author is not a SEBI-registered investment adviser, chartered accountant or lawyer, and nothing in it is a recommendation to buy or sell any specific product. Verify current rates, tax rules, scheme limits and other figures before acting, as these can change.
Your money doesn’t need more noise. It needs a system.
Start with the 25 rules. Pick the three that matter most to you. Then do them.
READY TO KNOW YOUR MONEY BETTER?
The Money Rules
25 rules every Indian woman should know before she needs them.
Digital ebook • Practical framework • Worksheets + 30-day reset