Money & Me: 'Get really good at something and money will be an obvious outcome'

Harsh Garg, a vice president at Ralliant and co-founder of the travel-bottle startup Golchi, grew up in a middle-class family where money was highly valued but never taken for granted. His parents taught him discipline, the importance of using money to improve one's life, and the value of upskilling. Garg’s first job out of college was designing bridges and highways, earning him close to $500 a month.

He learned early on to manage his finances wisely, always looking for the maximum value in his spending and saving. Now, Garg earns a stable corporate salary and diversified investments, including US equities, bonds, gold, and real estate. He attributes his financial success to continuous learning and skill development. Garg is somewhere between a spender and a saver, prioritizing savings for future needs while investing in experiences and conveniences that enhance his life.

He advises his younger self to always pursue something he is passionate about, as it will lead to financial outcomes. For Garg, experiences and family time are the luxuries that matter most.