Author name: R. Sharma

Rohit Sharma is the founder of Senpai Finance, where he explains money, inflation, investments, and personal finance in simple words for beginners.

Loans & EMIs in a Recession: What Happens in the U.S. and India?
Finance Basics, Geopolitics, Indian Economy

How Recession Affects Loans and EMIs in the U.S. and India

How recession affects loans and EMIs is one of the biggest financial concerns during economic downturns.A recession does not begin with headlines. It begins quietly — slower business activity, cautious hiring, declining consumer spending. Then it spreads. Companies reduce costs. Layoffs increase. Income growth stalls. And suddenly, monthly loan payments that once felt routine begin […]

Illustration showing why EMIs feel small monthly but become expensive over time due to accumulated interest and long repayment periods
Finance Basics, Investment

Why EMIs Feel Small but Cost You Big Over Time?

Many people don’t realize why EMIs feel small but cost you big over time, especially when interest compounds over long repayment periods. At first glance, EMIs (Equated Monthly Installments) feel harmless. A small monthly payment doesn’t look dangerous. In fact, it often feels manageable—even convenient. A new phone, a car, furniture, or even a house

Simple illustration explaining what a recession is and how economic slowdowns affect everyday life
Finance Basics, Geopolitics

What Is a Recession? Explained in Simple Words

You’ve probably heard the word recession thrown around during bad economic times. News anchors talk about it, markets react to it, and people worry about jobs and money whenever it comes up. But for most people, a recession still feels like a vague, scary term rather than something clearly understood. So let’s slow it down

Illustration showing why gold and silver crashed sharply during a global market sell-off and trade uncertainty
Finance Basics, Forex & Trading, Geopolitics, Gold & Commodities

Why Gold and Silver Crashed Sharply: Understanding the Global Sell-Off and the US–India Trade Impact

Over a short period, global markets witnessed a sharp correction in precious metals, with gold and silver losing massive market value. Headlines pointed to trillions wiped out across asset classes, and for many investors, the sudden fall in gold and silver was unexpected—especially because these assets are traditionally seen as “safe havens.” So what went

Illustration showing how high-profile scandals impact global financial trust and the world economy
Finance Basics, Geopolitics

How High-Profile Scandals Impact the Global Economy and Financial Trust

In recent days, the release of court documents connected to a long-running, high-profile criminal investigation has reignited global attention. The public conversation has been intense, emotional, and widespread—especially on social media. While the headlines focus on individuals and allegations, the deeper impact of events like this is often overlooked. Beyond outrage and speculation, major scandals

Illustration showing why the middle class keeps struggling financially despite stable jobs, rising living costs, debt, and income pressure.
Finance Basics

Why the Middle Class Keeps Struggling Financially

For a long time, the middle class was sold a simple formula: study hard, get a stable job, work consistently, and life will be secure. This idea shaped entire generations—especially in countries like the United States, where the middle class was once the backbone of economic growth and stability. Today, that promise feels broken. Millions

Illustration showing hidden EMI traps that keep people financially stuck, with money locked inside a cycle of debt
Finance Basics, Investment

Hidden EMI Traps Banks Don’t Want You to Notice

EMIs (Equated Monthly Installments) are often marketed as a smart and convenient way to afford things you want today while paying slowly over time. From smartphones and laptops to cars, furniture, and even groceries, EMIs are everywhere. At first glance, EMIs look harmless—sometimes even helpful. Low monthly payments, no-cost EMI offers, instant approvals, and minimal

Infographic showing the do’s and don’ts before investing in forex or trading, including risk management, leverage awareness, emotional control, and common beginner mistakes.
Finance Basics, Forex & Trading, Gold & Commodities

Do’s and Don’ts Before Investing Money in Forex or Trading

This guide explains the do’s and don’ts before investing in forex so beginners avoid costly mistakes. Forex trading and online trading often look attractive—charts moving fast, stories of quick profits, and influencers showing luxury lifestyles. For many beginners, it feels like an easy way to make money. The reality is very different. Forex and trading

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