{
  "id": 13477179,
  "title": "Financial planning in your 40s: Ankur Warikoo’s 5 money rules at 45 with two kids",
  "url": "https://urgent.news/2026/10/10/financial-planning-in-your-40s-ankur-warikoos-5-money-rules-at-45-13477179",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-10-10T17:30:59.000Z",
  "source": {
    "name": "The Indian Express - Lifestyle",
    "slug": "the-indian-express-lifestyle",
    "url": "https://indianexpress.com/article/lifestyle/financial-planning-40s-ankur-warikoos-5-money-rules-at-45-with-2-kids-10909119/"
  },
  "original_language": "en",
  "account": "Digital creator and finance educator Ankur Warikoo, aged 45, recently shared five money rules he and his wife Ruchi follow after becoming parents of two children. In an Instagram post, Warikoo emphasized the importance of not spending money to appear rich, but rather to accumulate wealth and gain freedom from time constraints. He explained that they do not own a car, live in their own home, and avoid spending on brand names.\n\nWarikoo highlighted the significance of spending on high-quality food, as he believes that consuming healthy food is the most valuable wealth one can have. He and his wife prioritize experiences over material possessions, with Ruchi sharing that they traveled 116 days last year. The couple emphasizes the importance of investing before spending, with Warikoo stating that after receiving their salary, they invest the majority of it. They concluded their list of money rules by stating that they spend no amount on books or learning, as they believe no amount of money spent on education is ever too much.\n\nMukesh Pandey, Founder and Managing Director of Rupyaapaisa.com, a financial education platform, noted that the forties are a crucial period in one's financial life, characterized by significant income growth and increased responsibilities. Common financial mistakes during this stage include not fully understanding investments, debt, insurance, pensions, and everyday spending concepts, as well as prioritizing children's education or home upgrades over retirement planning.\n\nPandey stressed the importance of avoiding large debts, like high-interest loans, credit cards, or EMIs, and obtaining sufficient health and life insurance to compensate for financial losses. He also advised against making investment decisions based on emotions, trends, or social media, urging couples to design a portfolio that aligns with their risk tolerance, market access, goals, and timeline. Lastly, Pandey emphasized the need for balance and resilience in financial matters, ensuring joy and satisfaction while setting clear goals.",
  "summary": null,
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 2,
    "also_reported_by": [
      {
        "outlet": "The Indian Express",
        "title": "Financial planning in your 40s: Ankur Warikoo’s 5 money rules at 45 with two kids",
        "url": "https://urgent.news/2026/10/10/financial-planning-in-your-40s-ankur-warikoos-5-money-rules-at-45",
        "published": "2026-10-10T17:30:59.000Z"
      }
    ]
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}