GameChanger is now available at Amazon: Paperback and Kindle

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My second book, Gamechanger: Forget Start-ups, Join Corporate and Still Live the Rich Life you wantco-authored with Pranav Surya is now available at Amazon as paperback (₹ 199) and Kindle (free in unlimited or ₹ 129 – you could read with their free app on PC/tablet/mobile, no kindle necessary).

What does the book offer?

This step by step guide to your version of the Rich Life includes:
– How your attitude toward money should move over from ‘past looking’ to ‘future focusing’
– How to find mistake fares to Europe, Pacific and Far East and make that extended 4-day weekend, Thai trip for under 10k INR
– Years of research resulting in 40 resources of ‘free and cheap accommodations’ for vacations
– How credit cards can help you lower home-loan payments
– Tried-and-tested scripts to negotiate down credit card, Phone and Internet Bills – How to setup the cash flow, so that you can make Diwali, Birthdays and other repetitive expenditures, a breeze
– How to make big purchases like a home or a car – a walk in the park
– How to invest for your retirement with peanut money now
– Enjoy guilt-free irrational spending while also being responsible over the future Automate every part of your money life All this and much more, designed within a 5-week framework to make you the happiest person alive!

Who should buy the book?

The travel, productivity, cash flow automation, credit card usage and product negotiation suggestions and tips will appeal to all age groups.

The book has specific investment suggestions (how and where to invest). This is meant for young earners who have just begun their careers.

Gamechanger: Forget Start-ups, Join Corporate and Still Live the Rich Life you want

You Can Be Rich Too vs Gamechanger: Which should I buy?

As co-author of both, that is a bit of a leading question 🙂 I will state the differences and hope you purchase buy both 🙂

You Can Be Rich Too with Goal Based Investing is my first book co-authored with P V Subramanyam and published by CNBC TV 18. This is a money management workbook that lists the right questions to ask, offers nine online calculator modules as solutions to those questions. The reader can use these to obtain personalized answers.

GameChanger is a productivity optimization book. It talks about how to make the most of what you have – time and money and use it to fuel your dreams. Aside from the tips and suggestions mentioned above, it offers a simple plan for young earners to enjoy life with a corporate job and quit (if they want to) to pursue their passion with a solid income plan as backup.

We need a plan to systematically free our income from our skill-set and the services that we are capable of.

1) How to have a plan to quit as soon you start working and invest for it with minimal effort on auto-pilot.
2) How to manage expenses and time with minimal effort
3) Learn how to make that 4-day weekend in Thailand for 12k, plus travel to exotic locations at 50% lower budgets than what you did previously
4) Learn how credit cards can lower home loan payments and how to negotiate the fees associated.
5) Invest for financial freedom on auto-pilot!

Testimonials for GameChanger

This book will change the outlook of those who read it. – Murali Vijay, Indian Cricketer 

This book changed the way I looked at vacation planning and has provided me with a new perspective when planning for a vacation. Previously, I used to decide a location and then plan a trip, this book gave a new perspective to bucket-list different places and then select the optimum place at a given point of time. The book has provided various accommodation options that I was not aware of. From personal finance planning, I only wish that I had access to this book at the start of my career. – V Muthukrishan

GameChanger Buying Options

Paperback  Rs. 199; Kindle (unlimited: free or Rs. 129) (both options can be found in this link). Note that you do not need a Kindle device to read Kindle books. You can install their free app on your PC/Tablet/Mobile.

You Can Be Rich Too Buying Options

Infibeam Now just Rs. 270  32% OFF. If you use a mobikwik wallet, and purchase via infibeam, you can get up to 100% cashback!!

Flipkart Rs. 279. 30% off

Amazon Hardcover Rs. 317. 21% OFF

Kindle at (Rs. 90.74 74% OFF) Read with free app

Google PlayRs. 90.74 Read on your PC/Tablet/Mobile

Bookadda Rs. 344.

Praise for You Can Be Rich Too

Gift it to your Friends and Relatives whom you care more. Already follower of Pattu and Subra’s forum. Ordered 4 more copies to give gift to my friends and eagerly waiting to read

The best book ever on Financial Freedom Planning. Go get it now!

Your first investment should be buying this book

The (nine online) calculators are really awesome and will give you all possible insights

Thank you, readers, for your generous support and patronage.

Ultimate Travel Training Kit by Pranav Surya

A deep dive analysis into vacation planning, finding cheap flights, budgeted accommodation, what to do when travelling, how travelling slowly is better financially and psychologically with links to the web pages and hand-holding at every step. Your one-time decision to read it will impact the way you travel for decades. Get it now (immediate download) for ₹199

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About the Author M Pattabiraman author of freefincal.comM. Pattabiraman is the co-author of two books: You can be rich too with goal based investing and Gamechanger. “Pattu” as he is popularly known, publishes unbiased, promotion-free research, analysis and holistic money management advice. Freefincal serves more than one million readers a year with numbers based analysis on topical issues and has more than a 100 free calculators on different aspects of insurance and investment analysis, including a robo advisory template for use by beginners. Contact information: freefincal {at} Gmail {dot} com He conducts free money management sessions for corporates (see details below). Previous engagements include World Bank, RBI, BHEL, Asian Paints.

Content Policy

Freefincal has original unbiased, conflict-of-interest-free,  topical reports, reviews, commentary and analysis on all aspects of personal finance like mutual funds, stocks, insurance etc. All guest authors and contributors to the site also do not have any conflict of interest. If you find the content useful, please consider supporting us by (1) sharing our articles and (2) disabling ad-blockers for our site if you are using one. No promotional content We do not accept sponsored posts and link exchange requests from content writers and agencies. This is our privacy policy Our website is non-profit in nature. The revenue from the advertisement will only be used for hosting charges, domain registration charges, specific plugins necessary for traffic growth and analytics services for search engine optimisation.
Want to conduct a sales-free "basics of money management" session in your office?
I conduct free seminars to employees or societies. Only the very basics and getting-started steps are discussed (no scary math):For example: How to define financial goals, how to save tax with a clear goal in mind; How to use a credit card for maximum benefit; When to buy a house; How to start investing; where to invest; how to invest for and after retirement etc. depending on the audience. If you are interested, you can contact me: freefincal [at] Gmail [dot] com. I can do the talk via conferencing software, so there is no cost for your company. If you want me to travel, you need to cover my airfare (I live in Chennai)

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Do check out my books

You Can Be Rich Too with Goal-Based Investing

You can be rich too with goal based investingMy first book is meant to help you ask the right questions, seek the right answers and since it comes with nine online calculators, you can also create custom solutions for your lifestyle! Get it now.  It is also available in Kindle format.
Gamechanger: Forget Startups, Join Corporate & Still Live the Rich Life You WantGamechanger: Forget Start-ups, Join Corporate and Still Live the Rich Life you wantMy second book is meant for young earners to get their basics right from day one! It will also help you travel to exotic places at low cost! Get it or gift it to a young earner

The ultimate guide to travel by Pranav Surya

Travel-Training-Kit-Cover This is a deep dive analysis into vacation planning, finding cheap flights, budget accommodation, what to do when travelling, how travelling slowly is better financially and psychologically with links to the web pages and hand-holding at every step.  Get the pdf for ₹199 (instant download)

Free Apps for your Android Phone

All calculators from our book, “You can be Rich Too” are now available on Google Play!
Install Financial Freedom App! (Google Play Store)
Install Freefincal Retirement Planner App! (Google Play Store)
Find out if you have enough to say "FU" to your employer (Google Play Store)

Blog Comment Policy

Your thoughts are vital to the health of this blog and are the driving force behind the analysis and calculators that you see here. We welcome criticism and differing opinions. I will do my very best to respond to all comments asap. Please do not include hyperlinks or email ids in the comment body. Such comments will be moderated and I reserve the right to delete the entire comment or remove the links before approving them.


  1. Sir, language of book is too hard to understand. It seems author is too familiar with English. It is unlike your language in your blog. Simple English may more useful and reach many.

    1. It is more a case of a difference in style. After all, Pranav is much younger than me and yes has a better vocabulary than me.

  2. Pattu sir,

    Did not receive the copy that I ordered though I’m sure I was the first to order the same. Please help.

  3. Sir, please check the key word search. Unless I type “gamechanger” as one word the book doesnt show up in amazon.

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