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 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

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

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