What are the reasons not to purchase the book Gamechanger?

Published: May 20, 2017 at 10:00 am

Last Updated on

If you’ve been through the last few posts, you’ll know that my new book co-authored with Pranav Surya is out for pre-order and we’re running a crazy small experiment of eliminating the middleman (aka Amazon). This enables us to provide you the book at a discounted price of 180 as compared to 249 on Amazon (starts retailing there on Monday). In contrast to what many people tell when they sell a product – “Buy mine because it’s the best”, we are gong to do a small U-turn and give you a few reasons why you shouldn’t buy the book.

Here are they:

  • Your finance life is uncluttered, sorted and learning more is like filling an already overflowing bucket
  • You already take vacations on the cheap and don’t need tips on finding great flight fares
  • You use credit cards optimally and have built a credit score that rivals the best. And with that you know how to get free flights as redeemable rewards, pay lower on home loans or any major loan.
  • When the monthly salary hits the bank account, you know where exactly to spend and how to make optimum use of cashflow by balancing future big expenditures with current needs
  • You have bought a home, have no debt and are content with the money situation
  • You have no aspiration to retire early and have invested enough for years in retirement already

Even if you are remiss (bad) with one of the above pointers, the book’s contents will show you the best ways around the situation. Instead of giving out common answers to such concerns, we’ve tackled each situation head-on and point you to the specific URL that will help you in the best way possible (take action immediately). Over the course of the past few days, our readers have asked some doubts they have.

Here are a few questions that people have posed

  • Why is the book so expensive? I can see Chetan Bhagat, Rashmi Bansal and other Business books at lower prices

Unlike traditionally published books, who print the books en-masse with cheap quality paper, we bring you the book at affordable costs and a great quality print. Publishers wanted to charge above 300 for printing a HQ book and that’s why we decided to self publish. Imagine a book, that shows you to live the Rich Life you want, printed on sub-par paper to save costs.

These prices are the best we could afford and we are giving you an even better version of cutting middle-man costs now. If you still feel it’s beyond your budget, kindly wait for the Kindle version. It will come out for a price below 150.

  • How will you ship? I’m having concerns. Maybe I should just wait for the book to open on Amazon

As I write this down, we are calling all postal services and requesting quotes from them to post in bulk. As of now, BlueDart has given us the most favourable answer. The book will reach your hands by the end of the month as promised. However, if you are concerned, the book will be Fulfilled by Amazon when it starts retailing there. They will ship it from their warehouse and you can even wait for initial reviews to make sure the book walks the talk.

  • I only take domestic vacations. Foreign vacations are out of my reach. What’s the book’s scope there?

Foreign vacations have been mentioned because people perceive it to be extremely expensive while the opposite if often true. Hence we focus on telling that more. However, using the methods outlined in the book and in the travel training kit, your domestic travel budget will definitely reduce by half. The advice there will be in stark contrast to what you’ve been doing previously and you’ll find promotional fares, just like we’ve shared in previous posts. Here’s a domestic promotional fare example

The book will help you make better vacations from anywhere to any destination you desire.

  • Do you really enlist a specific fund to invest in? No addendums and RIPFPI as Ashal Jauhari (of FB group Asan Ideas for Wealth fame) says?

Yes. We promised uncluttered personal finance advice and just one fund has been shortlisted. RIPFPI always, but in this case, you can follow my suggestion to get the results desired.

  • What’s the difference between the travel toolkit and the travel advice in the book? Why didn’t you put everything in the book?

The travel toolkit contains extended advice that is not found in the book due to editorial constraints. The book will have a very quick primer on the kind of fares that exist, how to find them and a methodology I follow to hunt cheap accommodations. However, the travel toolkit begins with a deep dive about the industry, how to personalize travel to your situation – ex. No time to plan but would like to budget travel with family. Every kind of fare has background info on why they occur and how best to find them. Knowing the background info (the insider knowledge) will help you plan (wait or book right away) and utilize vacation funds appropriately. Then come the options for accommodation with links to each and then it contains the best practices while travelling (ex. How to fund the vacation – setup automatic RD’s, how to move and the like). In my opinion, the 80 you spend on the e-book will pay many times over right away, when you book the flight tickets for at least 30% lower than average fares.

  • What if I don’t find a discounted fare within 6 months?

As promised, we’ll return the money (for the e-book) with no question asked. However, discounted fares occur weekly and finding one is a definite. Saying that the fares never went down is saying something akin to ‘all airlines around the world maintained constant prices’ (an illegal practice of market collusion). So sit back, do a quick 3-minute search ritual every day (maybe before you check your mail) as shown and pour my inbox with success stories.

  • When will the book reach my hand? I can’t wait to get my hands on it and tell my friends about it

Thank you for your excitement. The book will be shipped ASAP and reach you by the end of the month (when it starts to ship on Amazon)

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When asked for reasons for why people chose to buy the book, this is what they said:

I read a random book when I lived in US about a decade ago. The book dealt with how to negotiate and get things done, which also included some financial aspects. Ever since I always wished for a book which tells me how to save money in our dealings with various entities. That is what propelled me to buy this book. Look forward to this book.

I am retiring in one year. During financial planning for retirement, I could not consider international travelling due to shortage of funds. On going through a post “How eating 25 pani puri’s 25 pani puri’s in one-go changed my life (& will change yours too)“, I could see the possibility of fulfilling my dream of international travelling. I hope with the help of the GameChanger book and ‘Pranav’s Travel Training Kit’, I will be able to bring my dream in reality.

Quick & easy to implement tips on money savings and still enjoy a affluent lifestyle.

We are confident that the book fulfils all these earnest desires and outlines a specific process for each.

Here’s the link to buy the book. Remember, it stops selling tomorrow at this price. It goes back to 249 tomorrow midnight.


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. Beta Reader, Muthukrishan

GameChanger Buying Options

GameChanger (hardcopy_ is now available for ₹279 (249 +30 for shipping) and the Travel Training Kit is available for immediate download for ₹150. Users who have read the kit over the weekend will attest that it is still a bargain at 150.


In other news: You can Be Rich Too With Goal-Based Investing is now available

for only Rs. 90.74

or you can get the hardcover at Flipkart Rs. 279 (30% off) Hardcover or Amazon Hardcover Rs. 317. 21% OFF


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Register for the Kolkata DIY Investor Workshop May 28th, 2017

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About the Author M Pattabiraman author of freefincal.comM. Pattabiraman(PhD) is the author and owner of freefincal.com.  He is an associate professor at the Indian Institute of Technology, Madras since Aug 2006. Pattu” as he is popularly known, has co-authored two print-books, You can be rich too with goal based investing (CNBC TV18) and Gamechanger and seven other free e-books on various topics of money management.  He is a patron and co-founder of “Fee-only India” an organisation to promote unbiased, commission-free investment advice. Pattu publishes unbiased, promotion-free research, analysis and holistic money management advice. Freefincal serves more than one million readers a year (2.5 million page views) with numbers based analysis on topical issues and has more than a 100 free calculators on different aspects of insurance and investment analysis. He conducts free money management sessions for corporates  and associations(see details below). Previous engagements include World Bank, RBI, BHEL, Asian Paints, TamilNadu Investors Association etc. Contact information: freefincal {at} Gmail {dot} com (sponsored posts or paid collaborations will not be entertained)
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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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.

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. we, my wife and myself just returned from our 10 days’ DIY tour to Darjeeling-Sikkim on 4th of this month. Though not traveled by Air, it costed us almost @ 50% cost than the one through reputed tour operators. I already ordered the book with the travel kit, not lured of slashing the tour cost further, but as a fan of this blog and you! any reduction of future tour costs would be topping on the serving for me! however i could not digest the idea of touring when the air tickets available cheap. Most of people can travel only when they get time.

  2. I already used the sky scanner site suggested in this post to book a domestic ticket at half the price I usually pay! Eagerly waiting to get the book in hand.

  3. I have one doubt ,

    If the ideas to get cheaper flight are made public , won’t air line companies fix those issues in system ? Will they be still usable ?

    Also,I have similar concern like Mr Bharat, to have vacation with family , we have to consider children school, office leaves for both parents etc. Still the book can provide better ways to have cheaper vacations ?

    Thanks & regards

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