{"product_id":"back-to-basics-dharmaraju-bk-9798245366364","title":"Back to Basics: Personal Financial Management: What Every Salaried Person Needs to Know to Build Wealth and Retire Confidently","description":"\u003cp\u003e\u003cb\u003e\u003cb\u003eBack to Basics ... Personal Financial Management\u003c\/b\u003e\u003c\/b\u003e\u003cbr\u003e\u003cb\u003e\u003ci\u003e\u003cb\u003e\u003ci\u003eWhat Every Salaried Person Needs to Know to Build Wealth and Retire Confidently\u003c\/i\u003e\u003c\/b\u003e\u003c\/i\u003e\u003c\/b\u003e\u003cbr\u003eMost salaried people work hard for decades-yet remain anxious about money.\u003cbr\u003eNot because they earn too little, but because no one ever taught them how to \u003cb\u003e\u003cb\u003emanage income calmly, protect against risks, and build long-term wealth without stress\u003c\/b\u003e\u003c\/b\u003e.\u003cbr\u003eThis book was written to change that.\u003cbr\u003e\u003cb\u003e\u003cb\u003eBack to Basics ... Personal Financial Management\u003c\/b\u003e\u003c\/b\u003e is a clear, practical guide for salaried individuals who want financial stability, confidence, and a dignified retirement-without jargon, hype, or risky shortcuts.\u003cbr\u003eThis is \u003cb\u003e\u003cb\u003enot a get-rich-quick book\u003c\/b\u003e\u003c\/b\u003e.\u003cbr\u003eIt is a \u003cb\u003e\u003cb\u003eget-the-basics-right book\u003c\/b\u003e\u003c\/b\u003e. \u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cb\u003e\u003cb\u003eWhat You Will Learn in This Book\u003c\/b\u003e\u003c\/b\u003e\u003cul\u003e\n\u003cli\u003eWhy intelligent, hardworking people still struggle with money\u003c\/li\u003e\n\u003cli\u003eHow EMI culture traps the middle class-and how to use EMIs wisely\u003c\/li\u003e\n\u003cli\u003eWhy insurance is protection, not investment\u003c\/li\u003e\n\u003cli\u003eHow to build emergency funds and financial buffers\u003c\/li\u003e\n\u003cli\u003eHow ordinary salaried people quietly create large wealth over time\u003c\/li\u003e\n\u003cli\u003eWhy consistency matters more than income or intelligence\u003c\/li\u003e\n\u003cli\u003eHow to invest without fear or complexity\u003c\/li\u003e\n\u003cli\u003eHow to plan for retirement with dignity and independence\u003c\/li\u003e\n\u003cli\u003eHow daily lifestyle choices decide long-term wealth\u003c\/li\u003e\n\u003c\/ul\u003eThe book uses \u003cb\u003e\u003cb\u003ereal-life Indian salary examples\u003c\/b\u003e\u003c\/b\u003e, simple explanations, and practical checklists-making it easy to understand even if you have \u003cb\u003e\u003cb\u003eno prior financial knowledge\u003c\/b\u003e\u003c\/b\u003e. \u003cp\u003e\u003c\/p\u003e\u003cb\u003e\u003cb\u003eWho This Book Is For\u003c\/b\u003e\u003c\/b\u003e\u003cbr\u003eThis book is ideal for: \u003cul\u003e\n\u003cli\u003eSalaried employees\u003c\/li\u003e\n\u003cli\u003eMiddle-class families\u003c\/li\u003e\n\u003cli\u003eFirst-time investors\u003c\/li\u003e\n\u003cli\u003eProfessionals who feel \"salary comes but savings don't\"\u003c\/li\u003e\n\u003cli\u003eAnyone who wants to build wealth \u003cb\u003e\u003cb\u003eslowly, safely, and confidently\u003c\/b\u003e\u003c\/b\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e\u003cbr\u003e\u003cb\u003e\u003cb\u003eWhat Makes This Book Different\u003c\/b\u003e\u003c\/b\u003e\u003cbr\u003eMost finance books focus on products and returns.\u003cbr\u003eThis book focuses on \u003cb\u003e\u003cb\u003ebehaviour, discipline, and clarity\u003c\/b\u003e\u003c\/b\u003e.\u003cbr\u003eMost books promise riches.\u003cbr\u003eThis book promises \u003cb\u003e\u003cb\u003epeace of mind, stability, and confidence\u003c\/b\u003e\u003c\/b\u003e.\u003cbr\u003eIf you want money to \u003cb\u003e\u003cb\u003esupport your life-not control it\u003c\/b\u003e\u003c\/b\u003e, this book is for you. \u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cb\u003e\u003cb\u003eA Final Thought\u003c\/b\u003e\u003c\/b\u003e\u003cbr\u003eYou do not need a very high salary to build wealth.\u003cbr\u003eYou need \u003cb\u003e\u003cb\u003etime, discipline, and the right mindset\u003c\/b\u003e\u003c\/b\u003e.\u003cbr\u003eThis book shows you how.\u003cbr\u003e\u003cb\u003e\u003cb\u003e- DHARMARAJU BK\u003c\/b\u003e\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAuthor:\u003c\/b\u003e Dharmaraju Bk\u003cbr\u003e\u003cb\u003eISBN-13:\u003c\/b\u003e 9798245366364\u003cbr\u003e\u003cb\u003ePublisher:\u003c\/b\u003e Independently Published\u003cbr\u003e\u003cb\u003eLanguage:\u003c\/b\u003e English\u003cbr\u003e\u003cb\u003ePublished:\u003c\/b\u003e 01\/24\/2026\u003cbr\u003e\u003cb\u003ePages:\u003c\/b\u003e 104\u003cbr\u003e\u003cb\u003eFormat:\u003c\/b\u003e Paperback\u003cbr\u003e\u003cb\u003eWeight:\u003c\/b\u003e 0.33lbs\u003cbr\u003e\u003cb\u003eSize:\u003c\/b\u003e 9.00h x 6.00w x 0.22d","brand":"Dharmaraju Bk","offers":[{"title":"Paperback","offer_id":49171987169535,"sku":"9798245366364","price":8.0,"currency_code":"USD","in_stock":true}],"url":"https:\/\/www.whiterainbookhouse.com\/products\/back-to-basics-dharmaraju-bk-9798245366364","provider":"WR Book House","version":"1.0","type":"link"}