35 episodes

Let's Talk Money is your guide to financial stability and freedom. Join Monika Halan, a trusted financial expert, as she delves into a wide array of topics each week. From tackling debt to making friends with the stock market, from gold to mutual funds, Monika's insights are your compass to financial wellness.

But that's not all! Monika's here to answer your money questions. Send them in, and she'll help you make informed decisions.

It's time to take control of your financial destiny with Monika Halan. So, Let’s Talk Money!

Let's Talk Money with Monika Halan Maed in India

    • Business
    • 5.0 • 15 Ratings

Let's Talk Money is your guide to financial stability and freedom. Join Monika Halan, a trusted financial expert, as she delves into a wide array of topics each week. From tackling debt to making friends with the stock market, from gold to mutual funds, Monika's insights are your compass to financial wellness.

But that's not all! Monika's here to answer your money questions. Send them in, and she'll help you make informed decisions.

It's time to take control of your financial destiny with Monika Halan. So, Let’s Talk Money!

    How Should You Manage Joint Family Finances?

    How Should You Manage Joint Family Finances?

    Today, Monika dives into the complexities of managing finances in a joint family setup. From sharing expenses and building personal assets to ensuring proper insurance and drafting a Will, she offers practical advice to help you navigate the financial dynamics of living with extended family. With real-life stories of both pitfalls and successes, Monika guides you on how to balance love, responsibility, and financial independence within the family. Tune in for essential tips on maintaining harmony and securing your financial future amidst the challenges of joint family living.

    Monika also tackles pertinent questions about how to get your finances in order before marriage, whether or not you should invest in the NPS if you already have an EPF, and whether broad market indices can be manipulated to your benefit.

    Chapters:

    (00:31 - 04:21) Finances in Joint Families

    (04:36 - 07:45) Streamlining Finances and Investments Before Marriage

    (07:48 - 08:54) Should You Invest in the NPS?

    (08:56 - 11:28) Investing in Broad Market Indices

    If you have financial questions that you’d like answers for, please email us at mailme@monikahalan.com 

    Monika’s column on the issue

    https://www.livemint.com/Money/bTh6OKNzSIv1slJFyyYGvL/Joint-family-finances-minefield-of-embedded-emotional-bombs.html

    Monika’s book on basic money management

    https://www.monikahalan.com/lets-talk-money-english/

    Monika’s book on mutual funds

    https://www.monikahalan.com/lets-talk-mutual-funds/

    Calculators

    https://investor.sebi.gov.in/calculators/index.html

    You can find Monika on her social media @monikahalan. 

    Twitter @MonikaHalan

    Instagram @MonikaHalan

    Facebook @MonikaHalan

    This is a Maed In India Production; check us out at www.maedinindia.in

    Creative Director: Mae Mariyam Thomas

    Project Manager: Shaun Fanthome

    Head of Audio: Kartik Kulkarni

    Producer: Meghna Gulati 

    Sound Editor: Lakshman Parsuram

    Artwork: Alika Gupta

    • 12 min
    How To Financially Survive A Job Loss?

    How To Financially Survive A Job Loss?

    In this episode, Monika discusses the financial steps to take after an unexpected job loss. She provides practical advice on negotiating severance packages, extending medical benefits, consolidating finances, and cutting discretionary expenses. Monika also emphasises the importance of having a financial plan ready, highlights resources for unemployment support, and offers tips to stay mentally resilient while seeking new employment. Tune in to learn how to navigate the financial challenges of job loss and prepare for a more secure future.

    Monika also helps you navigate through building an early retirement corpus for short service retirees in the air force, how to include your partner in financial planning, and the right time to surrender your ULIPs. 

    Chapters:

    (00:31 - 04:33) Coping with Layoffs

    (04:44 - 08:42) Building Retirement Corpus as an Air Force Pilot

    (08:45 - 11:47) Including Your Partner in Financial Planning

    (11:49 - 14:02) When To Surrender Your ULIPs

    If you have financial questions that you’d like answers for, please email us at mailme@monikahalan.com 

    Some government unemployment benefit schemes

    https://www.esic.gov.in/information-benefits

    Monika’s book on basic money management

    https://www.monikahalan.com/lets-talk-money-english/

    Monika’s book on mutual funds

    https://www.monikahalan.com/lets-talk-mutual-funds/

    Calculators

    https://investor.sebi.gov.in/calculators/index.html

    You can find Monika on her social media @monikahalan. 

    Twitter @MonikaHalan

    Instagram @MonikaHalan

    Facebook @MonikaHalan

    This is a Maed In India Production; check us out at www.maedinindia.in

    Creative Director: Mae Mariyam Thomas

    Project Manager: Shaun Fanthome

    Head of Audio: Kartik Kulkarni

    Producer: Meghna Gulati 

    Sound Editor: Lakshman Parsuram

    Artwork: Alika Gupta

    • 15 min
    What Does Your Raise Say About Your Career Prospects?

    What Does Your Raise Say About Your Career Prospects?

    This week, Monika delves into the best way of utilising your raise. She discusses the importance of understanding inflation-adjusted raises, evaluating your performance relative to company averages, and considering strategic job changes for better compensation. Tune in for practical advice on how to respond to your raise and make informed decisions about your career and financial future.

    Monika also answers your questions about the pros and cons of purchasing medical insurance for retirement if in a government job, the optimal duration for your loans, whether NRIs should consider debt funds despite recent tax changes, and the reliability of new fund offers.

    Chapters:

    (00:31 - 05:33) Fully Utilising Your Raise 

    (05:47 - 08:38) Pros and Cons of Medical Insurance

    (08:41 - 09:51) Length of Your EMIs

    (09:53 - 12:10) Debt Funds as an NRI

    (12:12 - 13:36) Should You Invest in NFOs?

    If you have financial questions that you’d like answers for, please email us at mailme@monikahalan.com 

    MOSPI Website for inflation numbers

    https://cpi.mospi.gov.in/Default1.aspx

    Monika’s book on basic money management

    https://www.monikahalan.com/lets-talk-money-english/

    Monika’s book on mutual funds

    https://www.monikahalan.com/lets-talk-mutual-funds/

    Calculators

    https://investor.sebi.gov.in/calculators/index.html

    You can find Monika on her social media @monikahalan. 

    Twitter @MonikaHalan

    Instagram @MonikaHalan

    Facebook @MonikaHalan

    This is a Maed In India Production; check us out at www.maedinindia.in

    Creative Director: Mae Mariyam Thomas

    Project Manager: Shaun Fanthome

    Head of Audio: Kartik Kulkarni

    Producer: Meghna Gulati 

    Sound Editor: Lakshman Parsuram

    Artwork: Alika Gupta

    • 14 min
    How Should You Handle A Windfall Gain?

    How Should You Handle A Windfall Gain?

    Today, Monika dives into the best strategies for handling windfall gains. Whether it's a bonus, tax refund, or inheritance, Monika explains how to balance spending, debt repayment, and investing to maximise your financial well-being and avoid common pitfalls. Discover how to make thoughtful decisions that enhance your financial future while enjoying the present.

    Monika also addresses how to rebuild an emergency fund after relocating, the strategies for early retirement and sustaining expenses long-term, and the importance of evaluating mutual fund schemes over individual fund managers.

    Chapters:

    (00:31 - 04:58) Navigating Funds in a Windfall Gain

    (05:06 - 07:33) Rebuilding Emergency Fund

    (07:36 - 11:42) Calculating Corpus for Early Retirement Planning

    (11:44 - 14:21) Tracking Progress of Fund Managers vs Schemes

    If you have financial questions that you’d like answers for, please email us at mailme@monikahalan.com 

    Monika’s book on basic money management

    https://www.monikahalan.com/lets-talk-money-english/

    Monika’s book on mutual funds

    https://www.monikahalan.com/lets-talk-mutual-funds/

    Calculators

    https://investor.sebi.gov.in/calculators/index.html

    You can find Monika on her social media @monikahalan. 

    Twitter @MonikaHalan

    Instagram @MonikaHalan

    Facebook @MonikaHalan

    This is a Maed In India Production; check us out at www.maedinindia.in

    Creative Director: Mae Mariyam Thomas

    Project Manager: Shaun Fanthome

    Head of Audio: Kartik Kulkarni

    Producer: Meghna Gulati 

    Sound Editor: Lakshman Parsuram

    Artwork: Alika Gupta

    • 15 min
    Are You Financially Ready To Start Your Business?

    Are You Financially Ready To Start Your Business?

    In today’s episode, Monika explores the crucial financial steps to take before transitioning from a secure job to launching your own start-up. She breaks down how to estimate start-up costs, secure initial funding, and budget for personal living expenses during the early, income-less years of your venture. She also discusses the importance of having medical and vehicle insurance, maintaining an emergency fund, and having a solid backup plan in case your business doesn't take off. Join us as Monika dives into the financial groundwork essential for turning your entrepreneurial dreams into reality.

    Monika also answers your questions about strategies for restructuring your mutual fund portfolio without incurring high capital gains taxes, how to navigate conflicting financial advice, and the best approaches to balancing debt and equity investments for long-term financial goals.

    Chapters:

    (00:31 - 04:50) Planning Funds for your Startup

    (04:59 - 08:13) Minimising Capital Gains Tax

    (08:16 - 11:09) Index Funds vs. Active Mutual Funds

    (11:11 - 14:13) Balancing PPF and Mutual Fund Investments

    If you have financial questions that you’d like answers for, please email us at mailme@monikahalan.com 

    Monika’s book on basic money management

    https://www.monikahalan.com/lets-talk-money-english/

    Monika’s book on mutual funds

    https://www.monikahalan.com/lets-talk-mutual-funds/

    Calculators

    https://investor.sebi.gov.in/calculators/index.html

    You can find Monika on her social media @monikahalan. 

    Twitter @MonikaHalan

    Instagram @MonikaHalan

    Facebook @MonikaHalan

    This is a Maed In India Production; check us out at www.maedinindia.in

    Creative Director: Mae Mariyam Thomas

    Project Manager: Shaun Fanthome

    Head of Audio: Kartik Kulkarni

    Producer: Meghna Gulati 

    Sound Editor: Lakshman Parsuram

    Artwork: Alika Gupta

    • 15 min
    How Can You Secure Your Child’s Financial Future?

    How Can You Secure Your Child’s Financial Future?

    We’re back with a new episode of practical financial advice to help you make informed decisions about your money!

    In this episode of Let’s Talk Money, Monika explores how to build financial security for your child's present and future. Learn the importance of putting in place your own  life cover and your medical insurance, as well as the necessity of drafting a Will. She also discusses smart investment strategies, such as starting an index fund and a monthly SIP for higher education. Tune in for essential advice on securing your family's financial well-being.

    Monika also tackles your questions about flexible travel investment options, the flow between income and investment accounts, and achieving long-term financial goals amid potential tax changes.

    Chapters:

    (00:31 - 05:03) Financial Products for your Child

    (05:16 - 10:21) Short Term Investment Options

    (10:23 - 12:49) Cash Flow in the Three Account System

    (12:51 - 16:12) Navigating Tax Changes

    If you have financial questions that you’d like answers for, please email us at mailme@monikahalan.com 

    Monika’s book on basic money management

    https://www.monikahalan.com/lets-talk-money-english/

    Monika’s book on mutual funds

    https://www.monikahalan.com/lets-talk-mutual-funds/

    Calculators

    https://investor.sebi.gov.in/calculators/index.html

    You can find Monika on her social media @monikahalan. 

    Twitter @MonikaHalan

    Instagram @MonikaHalan

    Facebook @MonikaHalan

    This is a Maed In India Production; check us out at www.maedinindia.in

    Creative Director: Mae Mariyam Thomas

    Project Manager: Shaun Fanthome

    Head of Audio: Kartik Kulkarni

    Producer: Meghna Gulati 

    Sound Editor: Lakshman Parsuram

    Artwork: Alika Gupta

    • 17 min

Customer Reviews

5.0 out of 5
15 Ratings

15 Ratings

Meera Sankaran ,

Good podcast add

pls add more content for single people especially ladies who dont want to get married or dont see themselves gettng married. so pls tell us guide line for wealth creation etc. as our goals are different. for eg: all i want is travel & money for whole life. thats it. as some of us inherit home. we dont need to buy new ones. also, Retail NPS if we are investing can we have options for getting 40% annuity corpus in form of pension in such a way that we use it all up as we have no dependents. we lack such info so pls add. also, similar way what all extra efforts needed for single people.

AllPd ,

Best show i’ve came across recently. 👌🏻

This podcast helped me to understand the world of finance with so much clarity…..all Thanks to you Monika ma’am. 😄

VishalKataria ,

Much needed education we never got

Monika's practical books were a great DIY on how to become financially independent. Her podcast continues to spread the same message, keeping up with the latest tools and vehicles. I listen whenever I can.

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