As India’s middle class navigates rising costs and financial uncertainty, Chartered Accountant Nitin Kaushik and Value Research founder Dhirendra Kumar represent two complementary schools of financial thought — one rooted in personal money habits, the other in disciplined investing. Together, their insights offer a roadmap to financial freedom in a fast-changing economy. Advertisement

Kaushik’s viral thread on X (formerly Twitter) lays out eight essential money skills for building lasting wealth — principles that go beyond budgeting and into behavioral finance. His mantra is straightforward: automate, save, invest, and stay consistent. “Automate your money,” he says, reminding followers that wealth grows quietly when systems replace emotion. From automated savings to SIPs and bill paymen

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