Key Life Moments That Shape Your Financial Future

Every stage of life brings new financial challenges and opportunities. Understanding the three defining life moments — Longevity, Early Loss, and Health Emergencies
is the foundation of true Financial Wellness. Each one requires smart planning to protect your future and ensure stability for your loved ones.

Money Making Thumb Rules

Money Making Thumb Rules

Smart money management isn’t about luck — it’s about understanding time-tested financial principles that guide saving, investing, and planning. Below are some powerful thumb rules that help create a disciplined approach to financial growth and long-term wellness.

Rule of 72
Knowing this rule helps you calculate how long it will take to double your money. Simply divide 72 by your rate of return. For example, if your deposits grow at 6%, then 72/6 = 12 years to double your money. If growing at 12% p.a., 72/12 = 6 years to double.

100 Age Rule
To decide how much to invest in equities, use: 100 – Your Age. For example, if you are 35, then 100 – 35 = 65. That means 65% of your investment should be in equities, and the rest in debt, for a balanced mix.

30% Rule
Avoid spending more than 30% of your take-home income on EMIs, shopping, rent, or entertainment. Allocate at least 30% directly toward future goals such as higher education, daughter’s wedding, or retirement fund — and invest this amount wisely.

Pay Yourself First
This simple principle ensures saving before spending. Prioritize your future by setting aside money for investments and goals before paying bills. Remember — you work hard, and your future deserves to be your first priority.

First Week Rule
In continuation of “Pay Yourself First,” save and invest within the first 7 days of receiving your income. Transfer at least 30% of your income into a separate account dedicated for investments — building a disciplined and result-oriented habit.

6X Emergency Fund
Life can be unpredictable. Always keep an emergency fund equal to 6 months of your monthly expenses — covering essentials like groceries, school fees, fuel, and bills. For instance, if your monthly expenses are ₹75,000, maintain at least ₹4.5 Lakhs in liquid or savings form.

Pay Yourself and Emergency Fund
Retirement Fund Planning

25X Retirement Fund Rule
Your retirement should be the golden, worry-free phase of life. To estimate your ideal corpus, multiply your annual expenses by 25. For example, if your annual expenses are ₹12 Lakhs, you’ll need a retirement fund of ₹3 Crores to live comfortably post-retirement. This ensures that your golden years are filled with peace, dignity, and independence.

These timeless financial thumb rules form the backbone of a stable, fulfilling, and stress-free life. By understanding and following them with discipline, you can ensure both financial freedom and emotional well-being.

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testimonial

Real transformation stories from Kamal K. Sharma’s

I am associated with Mr. Kamal for over 7 years now, his expertize of the subject and concern for his investors (whom he treats as true friends) is exceptional. Its wonderful experience dealing with him and his advice is always very fruitful. Beyond Finances, I count of him as a true friend and family.

Major Gurmeet

Hello Mr. Kamal, Its so wonderful that you have got your website now, you definately deserve to be there on larger platform. Thanks for all your inputs, words of wisdom and showing us the way forward. More glory n power to you. .

Capt Akash

Hi Kamal, You have been a wonderful professional and I am truly impressed with the ways you connect with people. That's true that managing Finances is no rocket science but its not anything lesser than that. You have certainly made our lives easier and Financial journey ahead crystal clear for us.

Kudos!!!

Maj Gen P Sundram

Undoubtedly Managing Finances is a complicated job and while in Uniform, we normally keep Finances on back bench as there are much bigger priorities. A good advisor certainly makes life much easier. Thanks for your inputs on Retirement Planning.

Brig SK Das

At the times when expenses are sky rocketing, shopping list is getting little longer everyday, Lifestyle Needs, Inflation and so on so forth....its very important to foresee the Financial future and be adequately prepared to face the challenges of tomorrow. Mr. Kamal K Sharma has made life very easier with his thorough and professional approach. His connect is excellent and conduct is extra ordinary

Jai Hind

Cdt BB Singh

I was very unorganised in my finances till the time I met my friend Mr. Kamal K Sharma about 10 years back. His wisdom & advice have made our finances much organized. His hard-core knowledge, belief and commitment is highly appreciated. To be very frank my sons Jatin & Jitesh will owe it to Mr. Sharma for their Higher Education Fund that Mr. Kamal advised is about 5 years back. I have referred my most of the friends and family to him.

Abhijit Mondal

Listening to Mr. Kamal K Sharma is truly mesemerising, his in depth knowledge on the subject and the way he connects with audience is highly appreciated. I feel very empowered after connecting with him.

Thank you so very much sir.

Surbhi-IIM, Jammu

Mr. Kamal K Sharma visited our campus to deliver his NISM series lectures, he has a magical connect with the students of our age. The way he explained Life Journey to us was an eye opener and I am personally and many like me are immensely benefitted with his lectures.

Ankita-SMVDU,Katra

I have been earning for over 20 years now and was stuck up with Investments only in Insurance, Post Office or cash lying ideal in bank Saving Account. One of the session conducted by Mr. Kamal K Sharma at Dehradun changed my thought process and that was the beginning of new life for me. His thrust on 3 Life Situations is excellent and as I enter 6th year of my Investing in Equities & Mutual Funds, I feel more comfortable & confident.

God bless Mr.Kamal K Sharma.

Kamal sir’s leadership seminar in KrishnaMera Kamal K Sharma saab se sampark hamaari unit mein ek lecture ke dauran hua tha, jahan par Kamal Saab ne hame Retirement ke liye kaise tayar hona hai aur paisa kaise manage karna hai uske बारे mein bataya tha. Yakin maaniye, is se pehli kabhi aisi baaton ka jikar nahin hua tha. Unke bataaye anusaar maine apna paisa SWP mein lagaya aur aaj mujhe har mahine paisa MIS ke roop mein mil raha hai aur mera fund mein pada hua paisa grow bhi kar raha hai

Bhagwan kamal saab ko salamat rakhe

Sub Sant Lal

I have recently started my job in IT Industry and have been really lucky to get the blessings of Mr. Kamal K Sharma, he has made my road map clear for next 20 years. I have no intentions to work till 50 - 60 yrs, If all goes well I can definately think of and plan Retiring at the age of 45 years and that too with About 75 Crore. Thank you so much sir for opening my eyes at this early age of my life.

Bhavin Anand

IT Professional

It has been pleasure as well as an honor to know Mr. Kamal K Sharma. He is a profound writer and very articulative in his approach towards Financial Literacy. Before meeting him and attending his one of sessions conducted for school teachers, I never had this understanding about finances that Disciplined Investing can bring this better results. I suggest every female working or homemaker to save a lot and start Investing with the right advice and Handholding of professionals like Mr. Kamal K Sharma.

Thank you so much sir.

Pratibha Patyal

FAQ

My answers

During live sessions, I come across many people in audience who ask very relevent questions, they help me to prepare even better and may be they might be of your interest as well.

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Kamal K Sharma's sessions focus on mindset transformation with complete clarity on Life Goals, How to plan them effectively and how to be ahead of time while preparing for them.

We all are born on this wonderful planet for a reason and have same set of feelings, Situations, Challenges as well as their solutions. Though every situation looks very Unique but trust me a solution is there for every problem in life. My sessions focus on real life experiences and their very practical solutions.

Anyone who wishes to Grow, Lead and Learn for a purpose - from students aspiring to do well in life, young couples looking at life ahead with passion, parents with growing Children, people looking forward to a happy retired life are welcome to attend our sessions. We plan to touch base and cover the How Why and Where of Life purpose.

Rome was not built in a day, success in life is end result of Disciplined Approach, Vision, Patience and Self Committment backed with good habits. If your thought process is a seed to success, our sessions are truly thought provoking..

Yes, I offer both personal and corporate coaching. One-on-one sessions are focused on personalized growth strategies, while corporate programs are tailored to enhance leadership, teamwork, and productivity across organizations.