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My name is Ratnesh Kumar Singh, and I want to be upfront with you about who I am before we go any further. I'm not an economist with a PhD. I'm not a bank executive or a finance minister. I'm an ordinary Indian investor who started this journey in 2007 - which means I've lived through market crashes, sleepless nights, and hard lessons that no textbook ever warned me about. I am a certified mutual fund distributor associated with NIRMALBANG. I hold the NISM-Series-VIII Equity Derivatives Certification and the NISM-Series-V-A Mutual Fund Distributors Certification. I focus on identifying goop companies and generating monthly income through disciplined, long-term investing. That is my professional background. But this book comes from somewhere else entirely.
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