Personal Financial Planning : Awareness to Understanding

About Course

This course is designed to help working professionals and families in India understand personal finance and make informed money decisions with clarity and confidence. The program covers personal finance concepts from basics to advanced levels, explained in a simple and practical manner.

You will learn about cashflow management, budgeting, saving habits, emergency funds, debt management, insurance basics, investment fundamentals, mutual funds, goal-based planning, retirement planning, tax basics, and common behavioral mistakes related to money.

Please note that this course is an educational program created for financial awareness and self-learning. It is not a professional certification like CFP (Certified Financial Planner) or CFA, and it does not authorize learners to provide financial advice, financial planning services, or investment recommendations to others.

This course does not provide stock tips, buy/sell recommendations, or guaranteed returns. Its purpose is to improve financial understanding, encourage long-term thinking, and help learners build a structured approach to managing their own finances based on personal goals and needs.

This course is suitable for individuals who want clarity, discipline, and a better understanding of personal finance in the Indian context.

Course Content

SECTION 1: Welcome to Your Financial Freedom Journey

01) Welcome Message – Why This Course Can Change Your Life

01:59
02) What You’ll Learn (And How to Apply It Practically)
03) The Finoniq Way – How Real Financial Freedom Works in India

SECTION 2: Money Mindset & Financial Psychology

SECTION 3: What is Financial Planning?

SECTION 4: Understanding Cashflow & Budgeting

SECTION 5: Building Saving Habits & Emergency Fund

SECTION 6: Knowing Your Net Worth & Debt Management

SECTION 7: Understanding Credit Score & Loans

SECTION 8: Understanding Risk & Insurance Planning

SECTION 9: Financial Thumb Rules for Every Indian

SECTION 10: Time Value of Money & Power of Compounding

SECTION 11: Investment Basics for Beginners

SECTION 12: Mutual Funds Deep Dive

SECTION 13: Understanding Stock Market

SECTION 14: Goal-Based Financial Planning

SECTION 15: Retirement & Child Planning

SECTION 16: Tax Planning Simplified

SECTION 17: Inflation & Real Returns

SECTION 18: Behavioral Biases & Emotional Decisions

SECTION 19: Real-Life Case Studies

SECTION 20: Creating Your Financial Freedom Plan

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About Course

What Will You Learn?

Course Content

SECTION 1: Welcome to Your Financial Freedom Journey

01) Welcome Message – Why This Course Can Change Your Life

02) What You’ll Learn (And How to Apply It Practically)

03) The Finoniq Way – How Real Financial Freedom Works in India

SECTION 2: Money Mindset & Financial Psychology

04) Why Most Indians Fail Financially (Even High Earners)

05) How Your Money Story Shapes Your Future

06) Common Money Biases (Anchoring, Overconfidence, Herding)

07) Emotional Spending vs Rational Investing

08) Building a Wealth Mindset – How Rich Think Differently

09) Activity: Discover Your Financial Personality

SECTION 3: What is Financial Planning?

10) What is Financial Planning (Simple Analogy: Google Maps of Life Goals)

11) Why Every Family Needs a Financial Plan

12) Myths about Financial Planning

13) Six Pillars of a Complete Financial Plan

14) How a Certified Financial Planner Works for You

SECTION 4: Understanding Cashflow & Budgeting

15) Why Managing Cashflow is More Important than Investing

16) How to Track Your Monthly Income & Expenses

17) Difference Between Cashflow & Budget

18) The 50-30-20 Budget Rule for Indian Families

19) Needs vs Wants – Smart Spending Choices

20) How to Spend Less and Save More

21) Signs of a Cashflow Problem

22) Real Example: ₹60,000 Salary to ₹10 Lakh Investor

SECTION 5: Building Saving Habits & Emergency Fund

23) What is Saving & Why It’s Crucial

24) How to Pay Yourself First Every Month

25) Rule of 3X: Emergency Fund Simplified

26) Where to Park Your Emergency Fund

27) How to Build a Habit of Saving (Psychology Behind It)

28) Real Case: Family Saved ₹3L in 1 Year by Automation

SECTION 6: Knowing Your Net Worth & Debt Management

29) What is Net Worth & Why It Matters

30) How to Calculate Your Net Worth (Excel Demo)

31) Good Debt vs Bad Debt (Car Loan vs Home Loan)

32) Debt Trap: The Emotional Cycle

33) How to Become Debt-Free Step by Step

SECTION 7: Understanding Credit Score & Loans

34) What is CIBIL Score and Why It Matters

35) How to Check and Improve Your Credit Score

36) Myths About Credit Cards

37) How to Use Credit Cards Wisely

38) EMI Affordability – How Much You Can Borrow

39) Avoiding Debt Trap – Real Indian Case Studies

SECTION 8: Understanding Risk & Insurance Planning

40) What is Risk & Why You Need Insurance

41) Life Insurance Simplified (Term vs ULIP)

42) How Much Life Insurance Do You Need?

43) Health Insurance Simplified (Why & How Much)

44) Top-up & Super Top-up Explained

45) Personal Accident Cover – Often Ignored

46) Critical Illness Insurance – When You Really Need It

47) Insurance Mistakes People Make

48) Real Claim Story – “₹6 Lakh Bill, ₹15K Premium Saved It”

49) Summary: Build Your Protection Portfolio

SECTION 9: Financial Thumb Rules for Every Indian

50) Rule of 72, 114 & 144 (Compounding)

51) Rule of 3X Emergency Fund

52) Rule of 10X for Life Insurance

53) Rule of 100 – Asset Allocation by Age

54) Rule of 4% Withdrawal (Retirement Income)

55) Rule of 30/50 EMI Affordability

56) Rule of 10 – Pay Yourself First

57) How to Apply Thumb Rules Practically

SECTION 10: Time Value of Money & Power of Compounding

58) Time Value of Money – Explained Simply

59) Exercise: ₹10,000 SIP for 20 Years – How Much It Becomes

60) Power of Compounding Story – “The Rice & Chessboard”

61) Rule of 72 & Doubling Example in Real Life

62) Inflation vs Compounding – Who Wins?

SECTION 11: Investment Basics for Beginners

63) Why Investing is Important (Inflation Story)

64) Difference Between Saving & Investing

65) How to Choose Your Investment Vehicle

66) Understanding Risk vs Return