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Or Just Surviving?

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Take a few thoughtful questions to understand how you think, spend and plan. Your results will reveal your money style—and guide you toward tools designed specifically for where you are right now.

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What Our
Community Says

Readers describe it as practical, comforting and easy to follow.

"I never thought a finance book could make me cry. The stories were so real and inspiring."

Rishika, Mumbai
Rishika, Mumbai

"The savings and debt planner helped me face numbers I was avoiding. That itself felt like progress."

Sandeep, Noida
Sandeep, Noida

"इसमें दी गई कहानियों ने मुझे सच में मोटिवेशन दिया। लगा कि मेरे जैसे आम लोग भी अपने हालात बदल सकते हैं। पढ़ते-पढ़ते भरोसा आया कि मैं भी कर सकती हूँ।"

ऋतु (कानपुर)
ऋतु (कानपुर)

"I couldn't put it down and finished it in one day and I'm not even a big reader!"

Avinash, Mumbai
Avinash, Mumbai

"It felt like reading a novel. I was a total beginner, but everything made sense."

Stuti, Lucknow
Stuti, Lucknow

"मैं आमतौर पर ऐसी किताबें बीच में छोड़ देता हूँ पर इस किताब को मैंने एक बार में ही पूरा पढ़ डाला। हर चैप्टर पढ़ के ऐसा लगा कि हाँ मैं भी यह कर सकता हूँ।"

विशाल (जोधपुर)
विशाल (जोधपुर)

"I always thought I knew where my money was going, but once I filled this planner, I realised I didn’t. It was a bit eye-opening, honestly."

Neha, Pune
Neha, Pune

"I’ve downloaded many planners before and never used them. This one actually stayed on my desk the whole month."

Aarti, Jaipur
Aarti, Jaipur

"मुझे हमेशा लगता था कि फ़ाइनेंस मेरे बस की चीज़ नहीं। लेकिन इस किताब ने पहली बार समझाया कि छोटी–छोटी चीज़ें भी कितना कुछ बदल सकती हैं। पढ़ते-पढ़ते डर सच में कम हो गया।"

ईशान (दिल्ली)
ईशान (दिल्ली)

"I liked that it didn’t tell me what to do. I just wrote things down and things started making sense."

Rahul, Bengaluru
Rahul, Bengaluru
Lazy Genius Money Guide Book

Tired of money being a constant source of stress?

If you feel stuck or unsure where to begin, start here.

  • A step-by-step wealth building plan for beginners
  • Simple tools to manage your money
  • Success stories of people improving their finances
  • The confidence to make your own money decisions
Buy The Book
Divya Mishra

About the Author

Divya Mishra is a Finance Educator and Psychologist dedicated to helping people feel confident and in control of their money. Through SoulWealth Studio, she creates practical tools and resources designed to make financial clarity simple and achievable.