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.

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

Infographic showing common money mistakes people make in their 20s, including lifestyle inflation, credit card misuse, lack of savings, and poor financial planning.
Finance Basics, Investment

Common Money Mistakes in Your 20s

Common Money Mistakes in Your 20s: Your 20s are one of the most powerful decades of your life financially. What you do (or don’t do) with money during this period can decide whether your 30s and 40s feel free and secure—or stressful and suffocating. Unfortunately, most people are never taught how money actually works. Schools

Gold & Commodities

Why Gold Prices Change Every Day?

Why gold prices change? Gold prices change every day because gold is a globally traded commodity whose value is influenced by a wide range of economic, financial, and geopolitical factors that are constantly evolving. Unlike fixed-price goods, gold is bought and sold across international markets such as COMEX and MCX, where prices fluctuate in real

Investment

Fixed Deposit vs Mutual Fund: Which Is Better for Your Money?

When it comes to investing your hard-earned money, one of the most common dilemmas people face is choosing between Fixed Deposits (FDs) and Mutual Funds (MFs). Both are popular financial instruments, especially among beginners, but they serve very different purposes. Understanding how they work, their risks, returns, and suitability can help you make smarter financial

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