Dr Rishi A Bhargava

She, Kanchan Bai Meghwal (40yrs) an anganwadi cook in Madavada Panchayat, MP and she is a Hero. A Martyr of humanity. This Monday around noon, kids at the Anganwadi centre were playing outside the facility as part of their daily routine when a swarm of bees suddenly attacked. Kanchan Bai placed herself between the bees and the kids. She saved 20 children. Kanchan Bai quickly wrapped them one by one in Tarpaulin and mats available there, shielding them with her own body, and rushed them inside the centre. She absorbed the full force of the attack, protecting those children who were not even her own. By the time the local villagers arrived she had collapsed. She was rushed to a hospital for treatment but did not survive. Hero Kanchan Bai leaves behind a son, two daughters and a paralysed husband. She was the sole breadwinner of the family. In MP an Anganwadi cook earns Rs 4250/ month. Will the govt now stand by the family she left behind? To me Kanchan Bai Meghwal is a Hero of Humanity, who laid down her life saving 20 innocent children. A Martyr who sacrificed her life for others.

I bought a book because I liked the illustration, and it’s turned out to be a good read 😂. They keep asking the question: if you could go back in time, to a moment you’d like to change or improve, but knowing that it won’t change the present, would you do it? I’m so thrilled.

Before You Even Tour Homes ☐ I expect to stay in this city at least 5 years ☐ My job is stable and not dependent on bonuses or RVUs to feel safe ☐ My partner and I agree on timeline, budget, and lifestyle expectations Income & Cash Flow Reality Check ☐ The mortgage works on one income ☐ Housing costs are ≤ 25% of gross income (30% is a red flag, not a goal) ☐ I can still max retirement accounts ☐ I can still save meaningfully in taxable accounts ☐ I can take time off without financial stress Student Loan Integration ☐ My home choice does not derail PSLF strategy, if applicable ☐ I am not counting on future refinancing to make this affordable ☐ I understand how higher fixed costs lock in higher loan payments ☐ I have a written loan plan that still works after buying Down Payment & Liquidity ☐ I will still have 3+ months of expenses in cash after closing ☐ My down payment is not draining emergency or opportunity funds ☐ I am not using “doctor loans” as an excuse to overbuy ☐ I can handle repairs, taxes, and insurance without building up credit card debt The House Itself ☐ The home is easy to resell ☐ The layout and size fit my current life, not a hypothetical future ☐ I am not paying a premium for “dream home” features ☐ HOA fees and rules are fully understood and acceptable ☐ Property taxes and insurance are sustainable long term Lifestyle Creep Defense ☐ This purchase does not set an uncomfortably high baseline lifestyle ☐ I could live here happily even if income growth slows ☐ Future upgrades would be a choice, not a necessity ☐ I am not buying to “feel successful” Final Gut Check ☐ Renting for another year would not feel like failure ☐ I would make the same decision if housing appreciation were zero ☐ I am choosing flexibility over optics ☐ This house protects future options instead of shrinking them Hard rule: If buying the house makes you say, “It’ll be fine once I’m making more,” tread very very carefully.