“If you don’t find a way to make money while you sleep, you will work until you die.”
Why Money Matters More Than We Think
Take a moment and think about the one thing every person, regardless of age, profession, or background, deals with daily.
It’s money.
From morning chai to retirement plans, from school fees to EMIs, money governs almost every decision we make. We earn it, spend it, and save a bit if we can, but how many of us truly understand how to handle money? Really… handle it?
Surprisingly, very few.
For something so central to our existence, we’re taught so little about managing it. Sure, we learn algebra and trigonometry in school, but no one tells us how to save for a rainy day, how to avoid debt traps, or where to invest our first paycheck.
This is the gap that Road to Wealth by R. Poornalingam fills—a gap not just of financial knowledge, but of financial wisdom, simplified for the everyday Indian.
Not Just Numbers, But the “Why” of Wealth
Let’s be honest—most finance books are intimidating.
They throw around terms like equity diversification, SIPs, CAGR, asset allocation… and you’re left flipping pages faster than you can Google the definitions.
But Road to Wealth is different. It doesn’t throw financial jargon at you. It doesn’t assume you have a commerce degree or a Demat account.
This book isn’t about turning you into a stock market expert. It’s about making you financially aware, disciplined, and prepared—no matter your age, income, or background.
Who Is This Book For? Everyone With a Wallet.
Whether you’re a college student, a homemaker, a working professional, or a retiree, this book meets you where you are.
- 18 and earning your first allowance? This book is a crash course in handling money.
- 25 and getting your first salary? It helps you build wealth without fear or confusion.
- 35 and raising kids while paying EMIs? It teaches balance between saving and spending.
- 50 and thinking about retirement? It gives you clarity on post-retirement options.
- A housewife managing the monthly budget? You’ll learn how to start your financial journey, one rupee at a time.
Unlike Western finance books that talk about 401(k)s and dollar-cost averaging, Road to Wealth is rooted in the Indian financial landscape—from post office schemes to gold savings, from chit funds to tax-saving investments.
It’s local. It’s relevant. It’s practical.
Let’s Talk About What the Book Covers
The beauty of Road to Wealth lies in its comprehensive coverage of financial tools, explained in a no-nonsense, approachable tone.
Here’s a sneak peek into the topics it explores:
1. Savings: The Foundation of Wealth
R. Poornalingam stresses that before you invest, you must first save consciously. He offers strategies to develop a saving habit—even with a tight income—and how discipline, not income, determines financial success.
2. Fixed Income Options
For those who want stability over risk, the book explores fixed deposits, post office saving schemes, and other low-risk options suitable for beginners and risk-averse individuals.
3. Tax-Saving Investments
Paying taxes is unavoidable, but overpaying them is not. The book details various legitimate ways to save taxes, from ELSS to PPF, in a way that’s easy to understand even for first-timers.
4. Understanding Credit and Credit Ratings
Your credit score is like your financial reputation. The book teaches how credit ratings work, how to build a good one, and why even housewives and young adults should care.
5. Introduction to Debt Markets
Want to go beyond FDs but aren’t ready for stocks? Debt markets may be the middle ground. The author explains how to get started safely.
6. Gold, Real Estate, and Chit Funds
These traditional Indian investments are often misunderstood or misused. Poornalingam unpacks how to use them wisely, not blindly.
7. Stock Market Basics
Rather than diving into technical charts, the book focuses on stock-picking principles, long-term mindset, and realistic expectations.
8. Insurance That Protects
Learn the difference between insurance and investment—and how mixing them up can cost you heavily. The book guides you to buy insurance that does what it’s meant to do: protect.
9. Mutual Funds Made Easy
No, mutual funds are not complicated. The book simplifies SIPs, fund selection, risk appetite, and how to use mutual funds for long-term goals like education or home buying.
Financial Wisdom > Financial Intelligence
One of the most important takeaways from this book is that you don’t need to be a finance expert to grow your money. You need clarity, habits, and basic awareness.
It’s not about chasing high returns. It’s about avoiding costly mistakes.
It’s not about making money fast. It’s about making money last.
It’s not about having more. It’s about handling what you already have better.
This is why the author doesn’t fill pages with numbers, charts, and tables. Instead, he gives real-life examples, analogies, and context you can relate to. Whether it’s a story about a housemaid who built her retirement fund or a young engineer who learned to beat lifestyle inflation, the book inspires without intimidating.
The Indian Context: Why It Matters
Most personal finance advice you’ll find online or in bestselling books is imported from the West. And while financial principles may be universal, our realities are different.
- In India, gold is not just an asset—it’s emotional security.
- Our parents still believe in LIC over term insurance.
- A significant population relies on chit funds.
- Family expectations often override financial goals.
Road to Wealth respects these cultural truths. It doesn’t preach. It guides. It suggests better ways without dismissing the systems we grew up with.
Perfect Gifting for Every Milestone
Still wondering if this book is for you? Here are three perfect occasions to gift or buy this book:
18th Birthday of Your Child
Before they step into college or start earning, give them the gift of financial clarity. It’s the kind of wisdom schools don’t teach, but life will demand.
35th Birthday of Your Parents
They’ve worked hard, raised families, and now need to prepare for a secure future. This book can be their roadmap to financial dignity and retirement peace.
Your First Salary
Celebrate your first paycheck with a gift that keeps on giving. Read this book, and you’ll invest your second salary smarter.
In Conclusion: This Isn’t Just a Book—It’s a Financial Awakening
Road to Wealth by R. Poornalingam doesn’t promise overnight riches or stock tips that’ll make you a millionaire.
What it does promise—and delivers—is the ability to make sound financial choices from today.
And that’s what real wealth is about.
Because money isn’t just something we earn and spend. It’s something we must understand. Only then can we make it grow—not just for ourselves, but for our families and generations to come.
Get your copy today from KKBooks and take your first step on the road to lasting financial wisdom.
Final Thought
“Do not save what is left after spending, but spend what is left after saving.”
This book doesn’t ask you to change your life overnight. It asks you to change your mindset. Read it, gift it, and talk about it—and watch your financial life evolve with clarity and confidence.
Get your copy today from KKBooks and take your first step on the road to lasting financial wisdom.
