My Personal Finance Influencers

Published: June 19, 2014 at 11:30 am

Last Updated on August 30, 2021 at 3:44 pm

A list of people, who through their work and sayings, have had a lasting influence on my life.

 Manish Chauhan

Not the Manish of ‘team’ that you see today, but the Manish of yore, when Jagoinvestor was a fledgling.  When articles were written for DIY investors.

I learnt about asset allocation, rebalancing, how to make retirement calculators and much, much more from there.

It is unfortunate that articles like these are unlikely to be written there anymore.

Join over 32,000 readers and get free money management solutions delivered to your inbox! Subscribe to get posts via email!
🔥Enjoy massive discounts on our robo-advisory tool & courses! 🔥

I think Manish is one of the very few individuals genuinely interested in financial literacy.

Example: He shared the list of fee-only financial planners in India on Facebook, though he was not listed in it.

His best quality is his ability to take criticism on the chin. In my opinion, Jagoinvestor is what it is today, primarily because of this attribute.

P V Subramanyam

I have neither the patience, nor the intelligence to understand his sarcasm.  Much of what he writes, I ignore.  Occasionally he says something that is mathematically precise and easy for me to understand.

He taught me the importance of standard deviation, reversion to mean, importance of not maxing PPF at an young age and to be wary of the NPS.

He once wrote a comment at Jagoinvestor criticising DIY investors for not understanding anything about post-retirement investment strategies like laddered annuities and few others I forget now.

That one comment had a lasting influence on me. All the post-retirement calculators that are here today originate from that one comment.

Today he is my biggest promoter (many of my readers originate from his blog) and my fiercest critic (each time he does not agree with my posts I get a call or a message. Safe to say, it would be forthright, followed by several ideas for calculators!)

Many of the calculators here originate from him.

Mar. 13th 2013 is an unforgettable day in my life. I received the biopsy report on a tumour in my thymus gland which was removed. A visit to the oncologist confirmed that the tumour was benign and nothing further need be done. When I came back home, this post by Subra was in my inbox: The calculator king is here!

I am indebted to him for his generosity.

M V Satyanarayana

He was my teacher and is now a colleague. We were talking about why some middle-aged scientists were unhappy and frustrated. His response made me think about my financial life holistically.

He said, these people realise that their income is not going to increase beyond a certain level in life and that they will never be able to buy the house they want, or live the lifestyle they want. Hence the frustration.

That very day, I started an excel sheet in which I projected my income until retirement and found out if I could invest enough for all my long-term goals. I maintain that sheet to this day

Jim Otar

Jim Otar is an engineer turned financial planner. He runs an advisory site, and is the author of the book, ‘Unveiling the retirement myth’.

His writings – the book and other articles in his site –taught me how to understand market volatility during the accumulation and distribution (post-retirement) phases in life. He believes in ‘preparing for the worst’, something I too believe in.

Ashal Jauhari

Needs no introduction to most readers. I first interacted with him, when I asked in the Jagoinvestor forum, ‘when to quit a good performing mutual fund?’. You can estimate how much I knew about mutual funds at that time!

He has a unique way of explaining complicated stuff to newbie’s and is an expert on taxation .. among other things!

Likes to state that his answers are non-mathematical in nature, but in reality, they are clinically precise!

Has enormous patience and resilience while handling questions. Something I admire, but can never imitate.

My pet peeve about him: Is too diplomatic with everyone. Especially with those from financial services!

Read his interview: Interview with Ashal Jauhari: Relentless Financial Awareness Activist

Runs an extraordinary facebook group, Asan Ideas for Wealth.  A very good reason to get on Facebook, if you are not on it!

Ramesh Mangal

Interacted with him first on the Jagoinvestor forum. I can’t exactly place the first time we interacted which is a pity. I can however guarantee that it would have been a comment in which he would have either been critical of me or someone else!

He has extraordinary analytical abilities and has an excellent understanding of long term investing, mutual funds and portfolio management. The post on Ulcer Index analysis originates from one of his emails.

Loves anonymity, can be quite forthright, and hates to suffer fools gladly.

He can punch deep holes in your theory and make you think like no other.

Itching to post more relevant links about him here but will limit myself to these:

Thank you everyone.  “What I owe you is beyond evaluation” – Lawrence of Arabia (1962)

Do share this article with your friends using the buttons below.

🔥Enjoy massive discounts on our courses, robo-advisory tool and exclusive investor circle! 🔥& join our community of 5000+ users!
Use our Robo-advisory Tool for a start-to-finish financial plan! More than 1,000 investors and advisors use this!
New Tool! => Track your mutual funds and stock investments with this Google Sheet!
We also publish monthly equity mutual funds, debt and hybrid mutual funds, index funds and ETF screeners and momentum, low-volatility stock screeners.
Follow Freefincal on Google News
Follow Freefincal on Google News
Subscribe to the freefincal Youtube Channel. Subscribe button courtesy: Vecteezy.
Subscribe to the freefincal Youtube Channel.
Follow freefincal on WhatsApp Channel
Follow freefincal on WhatsApp
Podcast: Let's Get RICH With PATTU! Every single Indian CAN grow their wealth! 
Listen to the Lets Get Rich with Pattu Podcast
Listen to the Let's Get Rich with Pattu Podcast
You can watch podcast episodes on the OfSpin Media Friends YouTube Channel.
Lets Get RICH With PATTU podcast on YouTube
Let's Get RICH With PATTU podcast on YouTube.
🔥Now Watch Let's Get Rich With Pattu தமிழில் (in Tamil)! 🔥
  • Do you have a comment about the above article? Reach out to us on Twitter: @freefincal or @pattufreefincal
  • Have a question? Subscribe to our newsletter using the form below.
  • Hit 'reply' to any email from us! We do not offer personalized investment advice. We can write a detailed article without mentioning your name if you have a generic question.

Join over 32,000 readers and get free money management solutions delivered to your inbox! Subscribe to get posts via email!

About The Author

Pattabiraman editor freefincalDr M. Pattabiraman(PhD) is the founder, managing editor and primary author of freefincal. He is an associate professor at the Indian Institute of Technology, Madras. He has over ten years of experience publishing news analysis, research and financial product development. Connect with him via Twitter(X), Linkedin, or YouTube. Pattabiraman has co-authored three print books: (1) You can be rich too with goal-based investing (CNBC TV18) for DIY investors. (2) Gamechanger for young earners. (3) Chinchu Gets a Superpower! for kids. He has also written seven other free e-books on various money management topics. He is a patron and co-founder of “Fee-only India,” an organisation promoting unbiased, commission-free investment advice.
Our flagship course! Learn to manage your portfolio like a pro to achieve your goals regardless of market conditions! More than 3,000 investors and advisors are part of our exclusive community! Get clarity on how to plan for your goals and achieve the necessary corpus no matter the market condition is!! Watch the first lecture for free!  One-time payment! No recurring fees! Life-long access to videos! Reduce fear, uncertainty and doubt while investing! Learn how to plan for your goals before and after retirement with confidence.
Our new course!  Increase your income by getting people to pay for your skills! More than 700 salaried employees, entrepreneurs and financial advisors are part of our exclusive community! Learn how to get people to pay for your skills! Whether you are a professional or small business owner who wants more clients via online visibility or a salaried person wanting a side income or passive income, we will show you how to achieve this by showcasing your skills and building a community that trusts and pays you! (watch 1st lecture for free). One-time payment! No recurring fees! Life-long access to videos!   
Our new book for kids: “Chinchu Gets a Superpower!” is now available!
Both boy and girl version covers of Chinchu gets a superpower
Both the boy and girl-version covers of "Chinchu Gets a superpower".
Most investor problems can be traced to a lack of informed decision-making. We made bad decisions and money mistakes when we started earning and spent years undoing these mistakes. Why should our children go through the same pain? What is this book about? As parents, what would it be if we had to groom one ability in our children that is key not only to money management and investing but to any aspect of life? My answer: Sound Decision Making. So, in this book, we meet Chinchu, who is about to turn 10. What he wants for his birthday and how his parents plan for it, as well as teaching him several key ideas of decision-making and money management, is the narrative. What readers say!
Feedback from a young reader after reading Chinchu gets a Superpower (small version)
Feedback from a young reader after reading Chinchu gets a Superpower!
Must-read book even for adults! This is something that every parent should teach their kids right from their young age. The importance of money management and decision making based on their wants and needs. Very nicely written in simple terms. - Arun.
Buy the book: Chinchu gets a superpower for your child!
How to profit from content writing: Our new ebook is for those interested in getting side income via content writing. It is available at a 50% discount for Rs. 500 only!
Do you want to check if the market is overvalued or undervalued? Use our market valuation tool (it will work with any index!), or get the Tactical Buy/Sell timing tool!
We publish monthly mutual fund screeners and momentum, low-volatility stock screeners.
About freefincal & its content policy. Freefincal is a News Media Organization dedicated to providing original analysis, reports, reviews and insights on mutual funds, stocks, investing, retirement and personal finance developments. We do so without conflict of interest and bias. Follow us on Google News. Freefincal serves more than three million readers a year (5 million page views) with articles based only on factual information and detailed analysis by its authors. All statements made will be verified with credible and knowledgeable sources before publication. Freefincal does not publish paid articles, promotions, PR, satire or opinions without data. All opinions will be inferences backed by verifiable, reproducible evidence/data. Contact information: letters {at} freefincal {dot} com (sponsored posts or paid collaborations will not be entertained)
Connect with us on social media
Our publications

You Can Be Rich Too with Goal-Based Investing

You can be rich too with goal based investingPublished by CNBC TV18, this book is meant to help you ask the right questions and seek the correct answers, and since it comes with nine online calculators, you can also create custom solutions for your lifestyle! Get it now.
Gamechanger: Forget Startups, Join Corporate & Still Live the Rich Life You Want Gamechanger: Forget Start-ups, Join Corporate and Still Live the Rich Life you wantThis book is meant for young earners to get their basics right from day one! It will also help you travel to exotic places at a low cost! Get it or gift it to a young earner.

Your Ultimate Guide to Travel

Travel-Training-Kit-Cover-new This is an in-depth dive into vacation planning, finding cheap flights, budget accommodation, what to do when travelling, and how travelling slowly is better financially and psychologically, with links to the web pages and hand-holding at every step. Get the pdf for Rs 300 (instant download)