About Donald Gonsalves

Founder of SimplePath® and a regular contributor to the website's blog, Donald brings with him more than a decade of experience working as a consultant for financial planning and insurance. Send your questions to donald@simplepath.in
  • Most Valuable Personal Finance Asset in India

Most Valuable Personal Finance Asset in India is NOT Needing to Impress Anyone

By |2025-08-18T22:31:11+05:30August 18, 2025|

In India, one of the most valuable personal finance lessons is learning to stop spending to impress others. Household savings have been falling while personal debt is rising, much of it driven by lifestyle choices rather than genuine needs. When money choices are shaped by peer pressure, the baseline cost of living rises permanently, leaving little room for freedom or flexibility. But when you step back and ask, “Do I really need this right now?” your financial story changes.

  • Bima Sugam End of Insurance Agents

Will Bima Sugam be the End of Insurance Agent – A Detailed Report

By |2025-07-05T18:56:39+05:30July 5, 2025|

The article explores how the upcoming unified insurance platform could disrupt traditional agent-led models by offering direct, transparent, and digital access to policies and claims. While the platform threatens to make transactional agents obsolete, it also opens new doors for those willing to upskill and transition into advisory or digitally empowered roles. Ultimately, the report concludes that agents won’t disappear—but only those who adapt quickly and add genuine value will remain relevant in the post-Bima Sugam era.

  • Is the FIRE movement just glorified poverty with a spreadsheet

Is the FIRE movement just glorified poverty with a spreadsheet?

By |2025-06-19T17:17:42+05:30June 19, 2025|

The FIRE movement — which stands for Financial Independence, Retire Early — is gaining traction among young earners who want to retire long before the conventional age of 60 or 65. But does FIRE truly offer freedom, or is it just glorified frugality managed through spreadsheets?

  • Retiring in Uncertain Times

Retiring in Uncertain Times – Dos and Don’ts to Help Safeguard Your Future

By |2025-06-07T18:13:52+05:30June 7, 2025|

If you’re within five years of retirement — before or after — you’re in what experts call the “fragile decade.” Dos and Don’ts to Help Safeguard Your Future is here to help you make smart decisions during uncertain times. If you're unsure whether your current plan will deliver the lifestyle you’ve envisioned, you’re in the right place. Get clear answers to your pressing questions and identify the next steps to help secure your retirement — even in these unprecedented times.

  • 17 common scams in india

Top 17 Common Scams in India: Don’t Fall Prey to These Scamsters

By |2025-06-07T11:36:15+05:30June 6, 2025|

This list of top 17 common scams in India can save you or someone you know from falling a prey and getting dupped. This comprehensive guide breaks down the top scams in India targeting the public today, explaining how they work and how you can protect yourself and your family from falling victim.

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