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Let's Talk Money with Monika Halan

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by Monika Halan

4.7(287 reviews)
123 episodes
Updated Daily
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Podcast Authority

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GoodBased on show quality, social media presence, reviews, charts, and more
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Quality94
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Engagement92
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Podcast Overview

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!

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Publishing Since

10/18/2023

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65

Podcast Authority

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GoodBased on show quality, social media presence, reviews, charts, and more
Pod Engine
Quality94
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Engagement92
Learn more
8
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Every 8 days
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88 episodes over 1.9 years

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Recent Episodes

Episode thumbnail for Three Pool Retirement

June 18, 2026

Three Pool Retirement

<p>In this episode, Monika introduces what she calls the <strong>Three Pool Retirement Strategy</strong> — a framework she personally uses to think about retirement and one that aims to replace anxiety with clarity. Ahead of a brief break while travelling to Berlin, she addresses one of the biggest worries people have about retirement: not necessarily building the corpus, but managing it after work stops. Rather than relying solely on withdrawal-rate formulas, she explains how dividing retirement money into three distinct pools — a two-year “Spend It” pool in fixed deposits, a ten-year “Protect It” pool in debt funds, and a long-term “Grow It” pool in equity — creates liquidity, stability, and growth while reducing the fear of running out of money. </p><p>She then walks through how each pool works and how they interact over time. Fixed deposits provide a buffer against market crashes and eliminate the need to sell investments in bad times. Debt funds act as a bridge for the following decade, periodically replenishing the cash pool, while equity remains untouched for long stretches, allowing compounding to do its work. By ring-fencing money according to time horizons rather than chasing maximum returns, retirees can create a system that prioritises peace of mind. Monika argues that the real purpose of retirement planning is not to squeeze out every extra percentage point of return, but to ensure that money quietly supports life rather than constantly demanding attention. She promises to return in a future episode with the numbers and corpus multiples required to make the strategy work effectively.</p><p>In listener questions, Archanaa Panda asks whether a large investment made into a Balanced Advantage Fund near market highs should be rebalanced after disappointing returns, leading to a discussion on evaluating funds over three-, five-, and ten-year periods and considering tax-efficient switches only when portfolio fit and long-term performance justify it; an anonymous listener in her thirties seeks guidance on creating a self-funded health reserve for her ageing father who is largely uninsurable, prompting Monika to discuss super top-up policies, dedicated healthcare buffers, and why diversified funds are preferable to sector-specific healthcare funds; and another anonymous 28-year-old listener asks whether to focus on stocks or mutual funds while beginning his investment journey, giving Monika an opportunity to reinforce the importance of emergency funds, health insurance, and using mutual funds as a simpler and more reliable path to long-term financial independence.</p><p><br></p><p><strong>Chapters:</strong></p><p><strong>(00:00 – 00:00) </strong>The Three Pool Retirement Strategy for Peace of Mind</p><p><strong>(00:00 – 00:00) </strong>How the Spend It, Protect It and Grow It Pools Work Together</p><p><strong>(00:00 – 00:00) </strong>When Should You Rebalance an Underperforming Mutual Fund?</p><p><strong>(00:00 – 00:00) </strong>Building a DIY Health Fund for Parents Without Insurance</p><p><strong>(00:00 – 00:00) </strong>Why Mutual Funds Beat Stock Picking for Most Young Investors</p><p><br></p><p>If you have financial questions that you’d like answers for, please email us at ⁠mailme@monikahalan.com⁠ </p><p><br></p><p>Monika’s book on basic money management</p><p>⁠<a href="https://www.monikahalan.com/lets-talk-money-english/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.monikahalan.com/lets-talk-money-english/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p><p><br></p><p>Monika’s book on mutual funds</p><p><a href="https://www.monikahalan.com/lets-talk-mutual-funds/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.monikahalan.com/lets-talk-mutual-funds/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p><p><br></p><p>Monika’s workbook on recording your financial life</p><p><a href="https://www.monikahalan.com/lets-talk-legacy/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.monikahalan.com/lets-talk-legacy/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p><p><br></p><p>Calculators</p><p>⁠<a href="https://investor.sebi.gov.in/calculators/index.html">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://investor.sebi.gov.in/calculators/index.html⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p><p><br></p><p>You can find Monika on her social media @monikahalan. </p><p>Twitter ⁠<a href="https://x.com/monikahalan?s=11">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p><p>Instagram ⁠<a href="https://www.instagram.com/monikahalan?igsh=MXQ0cTRnM2dmZWl4Ng==">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p><p>Facebook ⁠<a href="https://www.facebook.com/iammonikahalan">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p><p>LinkedIn <a href="https://www.linkedin.com/in/monikahalan?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p><p><br></p><p>Production House: <a href="https://inoutcreatives.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.inoutcreatives.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p><p>Production Assistant:<a href="https://www.linkedin.com/in/anshika-gogoi-439735251?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app&original_referer=">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Anshika Gogoi⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a><br></p>

Episode thumbnail for What the GDP Numbers Tell Us

June 11, 2026

What the GDP Numbers Tell Us

<p>In this episode, Monika examines two important developments that shaped the economic conversation over the past week: the Reserve Bank of India’s decision to keep the repo rate unchanged at 5.25%, and India’s strong FY26 GDP growth of 7.7%, with the fourth quarter growing at 7.8%. She explains how the RBI’s inflation-targeting framework and relatively low inflation of 3.1% have given policymakers valuable room to maintain rates despite the inflationary pressures created by the West Asia conflict and elevated crude oil prices. Revisiting the basics of the repo rate and its role in controlling inflation and credit costs, she argues that prudence always appears boring during good times but proves invaluable when crises emerge. The lesson, she says, applies equally to nations and to individuals managing their own money.</p><p>She then turns to the growth story and why India’s economic momentum remains intact despite rising global uncertainties. Looking at broad-based indicators including agriculture, steel, cement and commercial vehicle demand, Monika highlights that FY26 was a remarkably strong year and that India entered the current period of geopolitical turmoil from a position of strength. While the RBI’s projection of 6.6% growth for FY27 reflects caution amid higher oil prices and global fragility, she argues that India’s growth has merely been “shaved, not sunk.” Had the current conflict not erupted, the country was positioned to exceed 8% growth. She reminds listeners that the government and the RBI still possess several policy tools to support the economy, from attracting foreign capital to deploying monetary and fiscal measures. Her message remains consistent with previous episodes: prepare for a slowdown, but reject the merchants of doom. India may face turbulence, but it is far from crisis.</p><p>In listener questions, Srinivas asks whether LIC annuity products deserve a place in retirement planning, prompting Monika to examine the broader case for and against annuities, discussing guaranteed lifelong income, simplicity and protection from market volatility, while also highlighting their low returns, inflation risk and tax disadvantages compared with alternatives like debt funds and systematic withdrawals; Bhavesh, an NRI with a carefully constructed 50:50 portfolio, seeks guidance on how to rebalance during market corrections and transition debt allocations as retirement approaches, leading to a detailed discussion on the hierarchy of redeeming maturing fixed deposits, arbitrage funds and debt funds while preserving long-duration gilt investments; and Rachana from Coorg shares her concerns about retiring early with a ₹1.25 crore corpus and no pension, opening up a conversation about longevity risk, healthcare costs, protecting capital, and the importance of continuing to earn for as long as possible in order to strengthen financial independence in later life.</p><p><br></p><p><strong>Chapters:</strong></p><p><strong>(00:00 – 00:00)</strong> Why India’s Growth Story Is Shaved but Not Sunk</p><p><strong>(00:00 – 00:00)</strong> RBI Holds Rates Steady as Inflation Stays Under Control</p><p><strong>(00:00 – 00:00)</strong> The Pros and Cons of Annuities for Retirement Income</p><p><strong>(00:00 – 00:00)</strong> Rebalancing a Portfolio: Which Debt Investments Should Go First?</p><p><strong>(00:00 – 00:00)</strong> Is ₹1.25 Crore Enough to Retire at 45 Without a Pension?</p><p><br></p><p><a href="https://www.pib.gov.in/PressReleasePage.aspx?PRID=2269286&reg=48&lang=2"><u>https://www.pib.gov.in/PressReleasePage.aspx?PRID=2269286&amp;reg=48&amp;lang=2</u></a></p><p><a href="https://rbidocs.rbi.org.in/rdocs/PressRelease/PDFs/PR3855508EB4A59FF46F9B57BBA200AA250B8.PDF"><u>https://rbidocs.rbi.org.in/rdocs/PressRelease/PDFs/PR3855508EB4A59FF46F9B57BBA200AA250B8.PDF</u></a></p><p><br></p><p>If you have financial questions that you’d like answers for, please email us at ⁠mailme@monikahalan.com⁠ </p><p><br></p><p><br></p><p><br></p>

Episode thumbnail for What the FM told me about mis-selling

June 4, 2026

What the FM told me about mis-selling

<p>In this episode, Monika takes listeners inside a recent meeting with Finance Minister Nirmala Sitharaman at the newly inaugurated Kartavya Bhavan. What begins as a visit to present the latest editions and translations of her books becomes a broader reflection on policymaking, public service, and the government&#39;s focus on financial consumer protection. She shares her impressions of the transition from the historic North Block to the modern Ministry of Finance offices, describes conversations around financial literacy, mis-selling, and her new online education initiative, and offers a personal glimpse into the people and institutions shaping India&#39;s economic policy. Along the way, she reflects on the importance of fiscal prudence and why India&#39;s economic foundations remain stronger than many people realise despite current global uncertainty.</p><p>She then turns to a question from Balaji in Bangalore about one of the biggest challenges in personal finance: planning for retirement in a world where future expenses, inflation, healthcare needs, and even lifestyle expectations are impossible to predict with certainty. Monika explains why retirement planning has been described as one of the hardest problems in finance, discusses the role of inflation targeting by the RBI, and outlines her own framework for managing retirement income through a combination of cash, debt, and equity. The conversation explores how investors can build resilience into their retirement plans without relying on precise forecasts and why flexibility often matters more than accuracy.</p><p>In listener questions, Saahil from Kolkata asks whether passive investors should trust a single index fund or diversify across multiple fund houses, leading to a discussion about the legal structure of mutual funds, operational risks, AMC failures, and the role of diversification for young investors; and Rama from Pune raises the often-overlooked question of how to actually use accumulated wealth after retirement, prompting a conversation about withdrawal strategies, retirement corpus adequacy, balancing equity and debt in later life, and the importance of preparing not just for the accumulation phase of investing, but also for the decades that follow.</p><p><br></p><p><strong>Chapters:</strong></p><p><strong>(00:00 – 00:00)</strong> Inside My Meeting with the Finance Minister: Books, Consumer Protection and Mis-Selling</p><p><strong>(00:00 – 00:00)</strong> Retirement Planning Beyond Inflation: Building a Corpus That Lasts</p><p><strong>(00:00 – 00:00)</strong> Index Funds, AMC Risk and the Simplicity of Long-Term Investing</p><p><strong>(00:00 – 00:00)</strong> Managing Retirement Withdrawals: When and How to Use Your Investments</p><p><strong>(00:00 – 00:00)</strong> Listener Questions on Wealth Preservation, Insurance and Financial Freedom</p><p><br></p><p><a href="https://x.com/monikahalan/status/2059623668616249611"><u>https://x.com/monikahalan/status/2059623668616249611</u></a></p><p><a href="https://x.com/monikahalan/status/2059838775619145737"><u>https://x.com/monikahalan/status/2059838775619145737</u></a></p><p><br></p><p>If you have financial questions that you’d like answers for, please email us at ⁠mailme@monikahalan.com⁠ </p><p><br></p><p>Monika’s book on basic money management</p><p>⁠<a href="https://www.monikahalan.com/lets-talk-money-english/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.monikahalan.com/lets-talk-money-english/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p><p><br></p><p>Monika’s book on mutual funds</p><p><a href="https://www.monikahalan.com/lets-talk-mutual-funds/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.monikahalan.com/lets-talk-mutual-funds/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p><p><br></p><p>Monika’s workbook on recording your financial life</p><p><a href="https://www.monikahalan.com/lets-talk-legacy/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.monikahalan.com/lets-talk-legacy/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p><p><br></p><p>Calculators</p><p>⁠<a href="https://investor.sebi.gov.in/calculators/index.html">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://investor.sebi.gov.in/calculators/index.html⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p><p><br></p><p>You can find Monika on her social media @monikahalan. </p><p>Twitter ⁠<a href="https://x.com/monikahalan?s=11">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p><p>Instagram ⁠<a href="https://www.instagram.com/monikahalan?igsh=MXQ0cTRnM2dmZWl4Ng==">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p><p>Facebook ⁠<a href="https://www.facebook.com/iammonikahalan">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p><p>LinkedIn <a href="https://www.linkedin.com/in/monikahalan?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p><p><br></p><p>Production House: <a href="https://inoutcreatives.com/">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.inoutcreatives.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p><p>Production Assistant:<a href="https://www.linkedin.com/in/anshika-gogoi-439735251?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app&original_referer=">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Anshika Gogoi⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a></p><p><br></p><p><br></p>

123 total episodes available

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What is Let's Talk Money with Monika Halan?

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 often does this podcast release new episodes?

This podcast updates daily.

Where can I listen to this podcast?

This podcast is available on 8 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.

Does this podcast accept guests?

Yes, this podcast regularly features guests.

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