About nidhi
nidhi is the name on this writing and the project it belongs to. I started it, the name stuck, and when you read the lessons, you're reading me.
Who is writing
Every post on this site goes out under one name: nidhi. I started it because I couldn't find a finance tool for an ordinary life with money in more than one currency, debts in another, and a future that crossed borders. The lessons come from the same place: real questions I have had to answer, explained the way I wish someone had explained them to me.
Why you can trust it
The authority here is practitioner and research-led, not a wall of letters after a name. nidhi builds the tools that the posts describe, which means the writing is grounded in working through the numbers, not in repeating talking points. Where a post makes a claim, it points to the source: the books, reference pages, and primary material listed on each article under "referential reading."
Across 49 published lessons, the further-reading lists point to 74 distinct books, papers and reference pages. Sources cited only inside a lesson's text are not counted here.
What this is not: licensed financial advice. nidhi explains how money works so you can make your own decisions. It does not tell you which fund to buy, and it never will. For decisions that turn on your specific tax residency, legal situation, or risk tolerance, a qualified professional is the right call. That boundary is deliberate, and it is the same one stated in the footer of every page.
How posts are made
Each article starts from a concrete question, gets worked through with real numbers and worked examples, and is checked against cited references before it goes out. AI tools help research, draft, edit and check lessons, including questioning their financial reasoning, and help build the site and its free tools. AI output is a draft, never a source: a person is involved at every stage, and reads and approves every lesson before it is published. The full process, sourcing standards, and how corrections are handled live on the editorial policy page.
What nidhi knows about
The writing concentrates on net worth and how to measure it, managing money across currencies, cash flow and saving, debt, and the path to financial independence. If you want the worldview behind all of it, read my beliefs.
Questions, corrections, or just want to say hello?