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Wealth Is Not Built by Income. It Is Built by Habits.

WALLET – Money Lessons They Didn’t Teach in School is a practical guide to financial literacy written for students, young professionals, and anyone beginning their financial journey.

While schools teach mathematics, science, and language, very few teach how to manage money in real life. This book bridges that gap by explaining essential financial concepts in a simple, structured, and relatable manner.

Through stories, examples, and practical frameworks, the book helps readers build healthy money habits — from budgeting and saving to investing and protecting wealth.

The goal is not to make readers overnight investors, but to help them develop financial clarity, discipline, and long-term thinking.

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What’s Covered

The book covers the complete foundations of personal finance in a clear and practical way.

Readers will learn about:

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Financial literacy and money habits

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Banking systems and digital payments

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Budgeting and expense management

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Savings and investment basics

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Loans, credit scores, and responsible borrowing

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Taxation and financial planning

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Insurance and risk management

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Stock market fundamentals

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Mutual funds and long-term investing

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Real estate as an asset class

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Financial frauds and scams

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Cryptocurrency and digital finance

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Global financial trends

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Digital financial tools for everyday life

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Foreword

“Financial fitness is one of the most neglected areas of modern life. This book provides structured and practical guidance on securing one’s financial future.”

“Within a few pages, the authors lay out a roadmap covering budgeting, savings, investing, insurance, and long-term financial planning.”

“It is never too late to begin the journey toward financial security — but the earlier one begins, the easier it becomes.”

Arvind P. Datar

Senior Advocate, Supreme Court of India
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First Word

“The world of banking and finance is changing rapidly. Digital payments, online investments, and instant credit have made financial decisions more complex.”

“Financial literacy is no longer a luxury — it is a necessity.”

“When financial education begins early, it builds disciplined habits, responsible thinking, and long-term financial resilience.”

Dr. N. Kamakodi

Managing Director & CEO, City Union Bank
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Endorsements

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Authors

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CA. V. Pattabhi Ram

Author, public speaker, teacher, and Chartered Accountant with extensive experience in education and finance. An alumnus of St. Joseph’s College and a former intern at the global audit firm Deloitte, he has taught more than 76,000 Chartered Accountancy students over the course of his career.

A prolific writer, his work spans multiple genres including fiction, non-fiction, self-help, and biographies, reflecting his ability to simplify complex ideas and communicate them with clarity.

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Dr. Anbuthambi Bhojarajan

Management Strategist and education leader. He holds a postgraduate degree in management from XLRI and is currently the Director of SuccessVerse Foundation.

He previously served as Head – Strategies & Partnerships at L&T EduTech and earlier as President of ICT Academy, where he worked extensively to strengthen industry–academia collaboration and promote innovation in higher education.


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Research Team

The research and development of WALLET – Money Lessons They Didn’t Teach in School was supported by a dedicated team of finance experts that helped gather insights, review financial concepts, and ensure the content remained practical, accurate, and relevant for today’s readers. Their contribution helped transform complex financial ideas into clear and relatable learning for students and young professionals.

Research & Writing Team

  • CA Arpitha Mettu
  • Meera Venugopalan
  • CA Pragya Panda
  • CA Santhosh Kumar S
  • CA Ranjan Kumar Sahoo
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Buy Now

Take the first step toward financial clarity and independence.

Whether you are a student, young professional, entrepreneur, or educator, WALLET will help you build strong money habits for life.

599/-
Launch Price
499/-

Available in Paperback.

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