Niraj's Insights

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Personal finance insights from Niraj Dugar — credit cards, travel rewards, and smarter money decisions.

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Cha-Ching! A Single Paycheck Is Probably Not Enough
Insights
Featured Article

Cha-Ching! A Single Paycheck Is Probably Not Enough

Case for and against having multiple streams of income

1 June 2025
4 min read
#Finance#Credit Cards
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Making Sense of What's Happening
Insights
13 April 2025
8 min read

Making Sense of What's Happening

First major attempt in understanding macroeconomics

Niraj Dugar
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Equities Are A Forgiving Asset Class
Insights
30 March 2025
5 min read

Equities Are A Forgiving Asset Class

Are they?

Niraj Dugar
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Beyond The Finish Line
Insights
23 March 2025
5 min read

Beyond The Finish Line

The cost of victory and life lessons

Niraj Dugar
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It Is Likely That You Will Not Create Wealth
Insights
16 March 2025
6 min read

It Is Likely That You Will Not Create Wealth

Thoughts on why SIPs are a great tool to create wealth

Niraj Dugar
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I Found A Better Way To Plan A New Year
Insights
9 March 2025
4 min read

I Found A Better Way To Plan A New Year

I am a little too late

Niraj Dugar
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The Dilemma of Lifestyle Upgrades
Insights
13 October 2024
4 min read

The Dilemma of Lifestyle Upgrades

quiet compounding, goals vs process, radical optimism

Niraj Dugar
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The Need To Think In Generations
Insights
29 September 2024
4 min read

The Need To Think In Generations

Doing the right things, apple, insulin resistance, and more

Niraj Dugar
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Rules Can Change Our Lives
Insights
26 May 2024
3 min read

Rules Can Change Our Lives

Shane Parrish narrates an interesting idea on the Tim Ferris podcast where he talks about his friend who lost a lot of weight by following simple rules.

Niraj Dugar
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Ideas Worth Cloning
Insights
12 May 2024
5 min read

Ideas Worth Cloning

Mohnish Pabrai is a man who came from a modest background and worked his way up to being a multi millionaire today.

Niraj Dugar
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Your Competition Is With Your Past Self
Insights
25 December 2023
3 min read

Your Competition Is With Your Past Self

Week #9 Kinds of boredom, using a CGM, credit cards for international travel

Niraj Dugar
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Indian Markets At All Time High
Insights
18 December 2023
3 min read

Indian Markets At All Time High

Week #8 Best of 2023, trading for a living, my Europe trip

Niraj Dugar
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Think in Decades
Insights
11 December 2023
2 min read

Think in Decades

Interviews with Francois Rochon and Graham Weaver

Niraj Dugar
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Charlie Munger - The Man Who Knew How To Live
Insights
3 December 2023
2 min read

Charlie Munger - The Man Who Knew How To Live

Week #6 - Remembering Charlie Munger

Niraj Dugar
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Doing Dumb Things and The Art of Doing Nothing
Insights
27 November 2023
4 min read

Doing Dumb Things and The Art of Doing Nothing

Week #5 - One paragraph that explains life, books I am reading

Niraj Dugar
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Marketing Masterstrokes, Investing in Lego, Guy Spier's letter
Insights
20 November 2023
3 min read

Marketing Masterstrokes, Investing in Lego, Guy Spier's letter

Week #4 - We don't have to solve the problems but neither can we disengage

Niraj Dugar
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Diwali Picks - 2023
Insights
12 November 2023
3 min read

Diwali Picks - 2023

Wealth, Health, & Relationships

Niraj Dugar
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Art Is Just Money On Walls
Insights
5 November 2023
5 min read

Art Is Just Money On Walls

Same as ever, Type 1 and 2 errors, Watch reference numbers and more

Niraj Dugar
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#17 Ben & Buffet, Gold, Retiring In 40's, Indian Economy & More
Insights
29 October 2023
4 min read

#17 Ben & Buffet, Gold, Retiring In 40's, Indian Economy & More

A new beginning by Niraj Dugar

Niraj Dugar
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Does The Long Term Have A Death Date?
Insights
24 October 2023
3 min read

Does The Long Term Have A Death Date?

Musings on the long term

Niraj Dugar
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