Wealth Begins With You
Smart Investment Ideas for a Secure Future

By Dharani Siginam

What if building wealth isn’t as complicated as it seems?
Many believe you need a finance degree, insider tips, or a big salary to grow wealth. But the truth is: wealth begins with mindset, clarity, and small steps you take today.

In Wealth Begins With You, Dharani Siginam breaks down personal finance for anyone who feels overwhelmed by investing, saving, and planning for the future. Written in simple language, this guide helps you start wherever you are—even with limited income.

Inside this practical guide, you’ll discover:
How to create your financial baseline and truly know where your money goes

The powerful 50/30/20 budgeting rule to balance needs, wants, and savings

Why an emergency fund isn’t optional—and how to build it, even on a tight budget

Low-risk and high-growth investment options explained without jargon

Sample investment portfolios tailored to beginners, moderate, and growth-focused investors

The importance of investing in yourself as your greatest asset

Reflection prompts and action checklists to keep you moving forward

Whether you’re a student, young professional, or simply someone who has always put off learning about money—this book gives you a friendly roadmap to get started.

You don’t need to be an expert to start building wealth. You just need to start—and this book shows you how.

Perfect for readers who want:

Clear, beginner-friendly finance guidance

Indian market investment examples (SIPs, REITs, Gold Bonds, NPS)

Motivation to take action, not just theory

Wealth doesn’t start with markets or numbers.

It starts with you.

Start your journey today.