Finlo

@Amank1412 Solo here too. I am building Finlo, a finance app for India that works like Duolingo. Quick daily lessons on SIPs, taxes, credit, and the scams that catch beginners. The idea is to make money skills a small habit, not a heavy course. Happy to connect. tryfinlo.co

I wanna connect with solo founders. what are you building right now?

@Factlogical_Ani Building Finlo, a finance app for India that teaches like a game. Short daily lessons on SIPs, taxes, credit, and the scams beginners fall for. Biggest challenge so far is keeping each lesson tiny without losing the depth people actually need. tryfinlo.co

Builders, Founders & Devs👋 What are you building right now? 🚀 SaaS 🤖 AI ⚡ Automation 📱 Apps 🌐 Web Products 🛠 Developer Tools Drop: 1. What you're building 2. One challenge you're facing I'll check out every project and connect Let's discover great builders together👇

@CHIZZY_BB Number one quietly carries the rest. When income jumps, expenses love to jump with it, and that creeping lifestyle is what eats the surplus before it can be invested. Lock in your savings rate first, let comfort rise slowly, and the gap does the heavy lifting.

5 things never to do if you experience early success: 1: Don’t upgrade ur life style too fast 2: Build multiple sources of income 3: Learn financial discipline before luxury 4: protect ur circle carefully 5: Keep investing in ur mind & skills

@GuruShareMarket The quiet winner here is direction of cash flow, not income. One couple sent money toward assets, the other sent it toward things that lose value the moment you buy them. Aligned goals matter, but so does simply choosing growth over status month after month.

5 years later… 1. Mutual Fund Corpus: ₹38 lakh 2. Fixed Deposits & Emergency Fund: ₹10 lakh 3. Bought a ₹75 lakh flat with a ₹45 lakh down payment Meanwhile, many of their higher-earning friends were still paying EMIs on cars, iphones, and credit card bills. Lesson: When couples align their goals, ordinary salaries can create extraordinary outcomes. 🚀

My friend and his wife had combined income of ~₹16LPA in 2021. They could afford a good car, latest iphone & foreign vacations BUT.. They decided - 1. wife’s salary = SIP. 2. His salary = expenses. 3. No EMI-driven lifestyle. Their friends called them KANJOOS 5 years later...

@ScholarTrading The honest part people miss is where the growth hides. Most of that final number shows up in the last decade, so the real test is staying put when it feels flat for years. And if a lakh a month is out of reach, start with what you can and step it up later.

₹1 Lakh SIP → ₹100 Crore 🤯 No lottery. No inheritance. No shortcuts. Just: ✅ ₹1,00,000 invested every month ✅ 15% annual return ✅ ~33 years of patience Result? 💰 Invested: ₹3.96 Crore 📈 Wealth Created: ₹100+ Crore Compounding rewards consistency, not speed. The earlier you start, the less you need to chase returns later. #SIP #Compounding #WealthCreation #Investing #MutualFunds #FinancialFreedom #StockMarket #PersonalFinance #LongTermInvesting 📊🚀

@DanielSmidstrup Working on Finlo, a finance app for India that teaches like a game. Short daily lessons on SIPs, taxes, credit, and the scams beginners keep falling for. Trying to turn money basics into a quick habit rather than a dull lecture. Would love your eyes on it. tryfinlo.co

Hey founders ! Looking to connect with people building in: 🍽️ SaaS 🚀 Tech 📲 Automation 🧠 AI tools 📱 Product Development 🔥 Web APP 💻 Devs Drop what you're working on 👇

@aryan_kochhar @PaytmMoney Starting tiny is underrated advice. The 21 a day mattered less for the money and more for the habit it locked in before your income grew. People wait for a big amount to feel worth it, and that wait is what actually costs them. The first SIP is a behavior, not a bet.

Investing is just about mindset. You aren’t supposed to have enough. You invest so that money stops controlling your life. Mine started with ₹21/day. This was at a time when everyone around me waited for a higher salary, I started a small Daily SIP on @PaytmMoney in Mutual Funds during college. Now 5 years later, this tiny habit gives me security in the most stressful work days, a weird sense of chill in vacations. That’s the thing about SIPs that make them a cliche in the best possible way.

@dekhane_mukul The forgetting was the strategy, even if nobody called it that. They were not patient saints, they just had no app pinging them every dip. We get a live scoreboard and mistake motion for progress. Sometimes the smartest move is to make the balance harder to check.

Mother: Invested in gold and forgot Father: Put money in FD and forgot Grand Father: Bought land and forgot Our generation: Checking portfolio every 10 minutes hoping for recovery 😍😍😍

@A_K_Mandhan @15 The number that surprises people is how late most of the growth shows up. For roughly the first ten years it crawls and feels pointless, then the curve bends hard near the end. That slow stretch is exactly when folks quit. Surviving the boring middle is the whole skill.

15,000 SIP start 2025 end 2040 @15% expected CAGR you can reach 1 cr Portfolio and enjoy 1 lakh PM SWP consistency wins !

@Tristanrhee3 Solo on this one. Building Finlo, a finance app for India that teaches like a game. Tiny daily lessons on SIPs, taxes, credit, and the scams that prey on first timers. The bet is that five minutes a day beats one long course nobody finishes. tryfinlo.co

Looking to connect with solo founders. What are you building?

@RetardedHurt Worth adding two things people skip. Buy your own cover, not just the employer one, since that vanishes the day you switch or lose a job. And pick a real sum insured, because a single ICU week in a metro can quietly cross five lakh now. The premium is cheap next to that.

I've been appealing everyone here since years,get yourselves and your family medically covered if still you haven't. There's a saying-"You are one hospital bill away from becoming poor again" With medical insurance be it private or goverment it helps you immensely in tough times. My entire family has had a bad medical history,thanks to my dad and uncles we got ourselves medically covered long ago.A few thousand rupees premium once year for lakhs of mediclaim can be afforded easily by any working individual.This detailed thread and in depth analysis over it will help you in getting one. Do read. Also if anyone needs my help I could suggest few good companies too.

@Portfolio_Bull The quiet point hiding in here is cash flow. The SIP crowd turned income into assets, the EMI crowd turned income into payments on things that lose value. Same salary, opposite direction. Wealth is mostly about which way your monthly money flows, not how much comes in.

5 years later: • Mutual Fund SIP Corpus~ ₹76 lakh • FD Value~ ₹7 lakh • Bought a luxury flat by giving down payment. Meanwhile many friends are still paying: 
• Car EMIs
• Credit card bills
• iPhone EMIs Moral:
High salary doesn’t create wealth.
Consistency and controlled lifestyle does.

My friend’s brother got married 5yrs ago. His salary ~ ₹12 LPA
Wife’s salary ~ ₹15 LPA They decided: • Wife’s salary = SIP investments
• His salary = Expenses + FD • No EMI driven lifestyle. Friends: “What’s the point of earning so much if you live like this?” 5 years later…

@AdityaD_Shah Agreed, and the boring part is what makes it work. A low cost index fund quietly skips the guesswork of picking winners, and over a decade that small expense ratio gap compounds into real money. The hard bit is not choosing it, it is leaving it alone through every scary headline.

Personal finance gyan:- Index funds are the best way to start ur investments, Simple yet cost effective!

@yashhq_22 Working on Finlo, a finance app for India built like a game. Short daily lessons on SIPs, taxes, credit, and the scams that target beginners. Goal is to make money skills a five minute habit instead of a scary spreadsheet. Would love a look. tryfinlo.co

Hey founders! Looking to connect with people building in: - SaaS - iOS apps - automation - AI agents - web APPs - devs drop what you're working on 👇

@alexabelonix The chaos went quiet once I could say the idea in one sentence a stranger could repeat. Mine: Finlo, a finance app for India built like Duolingo, short daily lessons on SIPs, taxes, credit, scams. First users came from people who needed exactly that. tryfinlo.co

Founders, > when you were building your first startup how did you manage the chaos in your head? > and which strategy did you use from having the idea to getting your first customer? > did you have more experienced mentor?

@CaVivekkhatri The mistakes almost always come from using an asset for the wrong job. Parking a house deposit in equity, then a crash hits right before you need it. Or keeping a decade of savings in an FD that barely beats inflation. Right tool, right goal, right time horizon.

9/ So should you put everything in equity and forget the rest? No. Each asset has a job. FD: Emergency fund. Short-term goals. Capital you cannot afford to lose. Not wealth creation. Gold: Portfolio hedge. Rupee depreciation protection. Crisis insurance. Not your primary growth engine. Real Estate: Lifestyle asset. Long-term utility. Not liquid wealth. Equity: The only asset where compounding works powerfully over 10-20 year periods. This is your wealth creation tool. Use each one for what it is actually built to do.

🚨 Your parents put money in FD to keep it safe. That "safe" decision quietly cost them 80% of their wealth. 🧵 (You Must Read)

@_jaydeepkarale The resilience point is the real money lesson. A practical version: hold 6 to 12 months of expenses in cash, separate from investments, so a job gap becomes a pause and not a forced sale of your portfolio. One salary feels less scary with a buffer between you and it.

One thing I've noticed about software engineers in their 30s and 40s, The fear isn't unemployment. It's responsibility. When you're 22, losing a job feels like an inconvenience. When you're 38, it feels different. There are school fees. Parents getting older. Home loans. Family members who depend on you. People who assume you'll always be able to provide. That's why a lot of engineers quietly carry anxiety. Not because they're bad at their jobs. Not because they're underpaid. Because they understand how many things are riding on a single salary. The mistake many people make is trying to eliminate uncertainty. That's impossible. No company can promise lifetime employment. No industry stays unchanged forever. No amount of doomscrolling will make the future predictable. Instead, focus on building resilience. Build savings. Keep fixed expenses under control. Invest in your health. Keep learning. Stay connected with people in your industry. Create options before you need them. Most importantly, Don't spend hours every day consuming layoff news.Bad news gets attention. That's why algorithms keep serving it. If you read enough headlines, you'll eventually convince yourself that disaster is around the corner. Maybe it is. Maybe it isn't. Either way, worrying about things outside your control won't protect you. Preparation might. The goal isn't to feel secure. The goal is to become adaptable. Because adaptable people don't need certainty. They know they'll figure things out.

@nehanagarr The simplicity is the real win here. One small flag for beginners: a quarter in small caps is heavy. They can fall 50% and test your nerve in year one, which is exactly when people quit. Easing into that weight as your patience grows tends to keep folks invested longer.

📍Summarising here: - Index Fund: 35% - Flexi Cap Fund: 25% - Small Cap Fund: 25% - Gold ETF: 10% - Debt Fund: 5% And you don't need any other funds apart from these 5 funds, and if someone is selling something else, they are just fooling you. All you need to do is focus on staying invested for 10+ years, increasing your SIP every year, and letting compounding do its job. Follow @nehanagarr to learn fiannce in a simplified manner.

Your random buying of Mutual Funds (MF) is keeping you broke. I have seen these 3 common mistakes among newbie investors. 1. Buying the most hyped MFs. 2. Parking their money only in the safest asset. 3. Investing 2000 in 10 to 15 MFs. All three practices are wrong. And it is not your fault... No one taught you the right way. In this thread I will guide you how to purchase your ideal MF. 🧵

@shekhar_tw This weekend, polishing Finlo. It is a money app for India built like a game, with short daily lessons on SIPs, taxes, credit, and avoiding scams. Working on cutting the first lesson down so a nervous beginner finishes it before they lose interest. tryfinlo.co

what are you building this weekend?

@codexomkaar Pitching mine: Finlo, a finance learning app for India that works like Duolingo. Short daily lessons on SIPs, taxes, credit, and the scams aimed at beginners. The whole idea is to make money skills a five minute habit instead of a scary spreadsheet. tryfinlo.co

SaaS builders, pitch your product below, I want to see what are you building!