Dr. Khushboo Gupta – The Nutritionist and Educator Who Advocates Financial Wellness. Born and raised in the education hub of Kota, Rajasthan, Dr. Khushboo Gupta has always been deeply passionate about learning and knowledge dissemination. After completing her early education in Kota, she pursued her higher studies in Food Science and Nutrition from the prestigious Banasthali Vidyapith. Today, she is a respected academician at Trilok Singh TT College and a well-known health influencer through her YouTube channel, Khushboo Health Channel.
Dr. Khushboo's expertise in nutrition and well-being has given her a unique perspective on financial health. Just as a balanced diet ensures a healthy body, a well-structured financial plan ensures a secure future. Through her research and personal experiences, she realized that financial instability often leads to stress, anxiety, and even physical ailments. She strongly believes that financial wellness is an integral part of holistic well-being, and through this book, she aims to help readers develop a healthy financial lifestyle.
In this book, she provides valuable insights on budgeting, expense management, and financial discipline, helping individuals cultivate mindful spending habits. Drawing parallels between nutrition and finance, she emphasizes the importance of consistency, patience, and informed decision-making in achieving long-term financial success.

CA Dinesh Agrawal – The Financial Strategist Who Simplifies Wealth Management. Born and brought up in Sikar, Rajasthan, CA Dinesh Agrawal had an early fascination with numbers and financial planning. He completed his education in Sikar before moving to Mumbai to establish his career as a Chartered Accountant. With more than a decade of experience, he is now a partner in D.P. Agrawal & Co., a well-respected CA firm specializing in taxation, auditing, and business advisory services.
Dinesh's expertise in taxation, investments, and wealth management makes him an invaluable contributor to this book. Having worked closely with businesses, high-net-worth individuals, and professionals, he has witnessed first-hand how poor financial planning leads to debt traps. His mission is to simplify complex financial concepts and provide actionable strategies that anyone—regardless of their income level—can implement to achieve financial stability.
In this book, he shares practical tax-saving strategies, investment options, and risk management techniques that align with India’s economic landscape. His insights help readers understand how to minimize tax liabilities, optimize their financial portfolios, and protect their wealth for future generations.

Saurabh Gupta – The Banker Who Understands the Financial Struggles of the Common Man. Growing up in Kota, Rajasthan, Saurabh Gupta always had a keen interest in financial markets and economic trends. His academic journey led him to pursue an MBA in Finance from NMIMS University, Mumbai, which provided him with deep insights into banking, investment strategies, and financial risk management. He is currently a banking professional at UCO Bank, where he has gained over five years of experience handling loans, credit management, and financial advisory services.
Saurabh has closely observed how individuals, especially the salaried class and small business owners, struggle with debt, high-interest loans, and financial mismanagement. He believes that financial literacy is the key to escaping debt cycles and that anyone, with the right knowledge, can achieve financial independence.
In this book, he shares his expertise on loan management, credit score improvement, and strategic borrowing, helping readers navigate the banking system effectively. He explains how to distinguish between good and bad debt, how to use credit wisely, and how to leverage banking products to build wealth rather than accumulate liabilities.

Surbhee Gupta – The Insurance Expert Who Helps Secure Financial Futures. Born and raised in Kota, Rajasthan, Surbhee Gupta pursued a degree in Electronics and Communications from Banasthali Vidyapith and later specialized in Nanotechnology from MANIT Bhopal. However, her professional journey led her into the world of insurance and risk management, where she has now built a successful career as an insurance expert at LIC of India with over five years of experience.
Surbhee’s in-depth knowledge of life insurance, health insurance, and financial protection planning makes her a crucial part of this book. She has seen countless families suffer due to inadequate financial protection, and she is passionate about educating people on securing their financial future through proper insurance planning.
In this book, she breaks down the importance of life and health insurance, the right way to choose policies, and the myths surrounding insurance. Her insights help readers understand how to safeguard their wealth against unforeseen risks and ensure that their loved ones remain financially secure.