A Novices Guide To Wealth
by Sankha Nagchoudhury
**What if your greatest financial risk is not how much you earn—but how little you have planned?**
Many people work hard, earn well, save consistently, and still remain financially exposed. Taxes reduce what they keep. Important assets may not be protected. Insurance and estate documents are often incomplete. Investments may lack a clear strategy, and families may not understand how everything fits together.
*A Novice’s Guide to Wealth* was written to change that.
Using straightforward language, relatable examples, and practical frameworks, Sankha Nagchoudhury simplifies financial subjects that are often made unnecessarily intimidating. The book helps readers understand how wealth is built, protected, transferred, and used with purpose—without requiring a background in finance.
Inside, you will explore:
* How to develop a stronger financial foundation
* Tax-aware strategies for keeping more of what you earn
* The fundamentals of investing and managing risk
* Insurance as a tool for protection and planning
* Asset-protection concepts every family should understand
* Estate planning and preparing the next generation
* The difference between earning income and building lasting wealth
* How to ask better questions when working with financial, tax, legal, and insurance professionals
* Why purpose and legacy should be part of every wealth plan
This is not a get-rich-quick book, and it does not promise overnight success. It is a practical starting point for young professionals, families, entrepreneurs, high-income earners, and anyone who wants greater clarity and control over their financial future.
The book was inspired by a life-changing health crisis that led the author to ask a difficult question: Would his family understand the financial strategies and decisions he had spent years building if he were no longer there to explain them?
That question became a mission—to make financial knowledge easier to understand, easier to share, and more useful to everyday families.
Your purchase also helps build someone else’s future. **One hundred percent of the proceeds from this book supports scholarships for students in need through Hariom Helps Foundation.**
Learn how to build wealth with clarity, protect it with intention, and use it to create a lasting impact.
What readers are saying
“"A Novices Guide to Wealth: Design Your Financial Life with Tax Clarity, Asset Protection, and Purpose" is truly worth its weight in gold for anyone seeking clarity and actionable steps in personal finance. The author transforms complex topics such as tax planning, asset protection, and financial strategy into simple, understandable concepts, making this book accessible and immediately useful for novices and experienced readers alike. Sankha excels at presenting intricate financial subjects with remarkable ease, distilling advanced concepts into practical steps. The book stands out because it doesn't just offer theory—it’s an action book, encouraging readers to apply its principles as they progress. This hands-on approach is perfect for those who want more than just passive knowledge. Throughout the book, real-life and relatable examples abound, helping readers visualize and devise their own personal financial plan. The author’s personal experiences and varied case studies anchor the lessons, making abstract concepts concrete and easy to adapt to individual circumstances. Whether just starting out or seeking to refine an existing strategy, this book combines clarity, practical advice, and purpose-driven planning for lasting financial wellness. Complex concepts are broken down and made actionable, so every page delivers real value for those ready to take charge of their financial future”
— Komal Jain
More books by Sankha Nagchoudhury
The Wealth Engine™
Let Money Learn. Let AI Work.
**What if money could learn—and your wealth strategy could evolve with the technologies reshaping the world?**
Artificial intelligence and cryptocurrency are transforming industries, financial systems, business models, and investment opportunities. Yet most books discuss them separately, become overly technical, or focus on short-term speculation.
***The Wealth Engine™ is the first book of its kind to bring artificial intelligence and cryptocurrency together in one practical investment guide for everyday readers.***
Written by technology and AI transformation executive Sankha Nagchoudhury, the book provides a structured framework for understanding how these technologies may create value—and how investors can evaluate them without being driven by headlines, fear, or hype.
Inside, you will explore:
* How artificial intelligence is changing business, productivity, and investing
* The fundamentals of cryptocurrency and digital assets
* Where AI and blockchain technologies intersect
* How to recognize meaningful innovation versus market speculation
* The opportunities and risks associated with emerging technologies
* AI-powered automation and modern income engines
* Why disciplined systems can outperform emotional decision-making
* How to place risk before return when evaluating investments
* The importance of building long-term wealth, financial freedom, and a lasting legacy
This is not a get-rich-quick book, a trading manual, or a promise of guaranteed returns. It is a modern playbook for readers who want to understand the forces influencing the future of wealth and make more informed decisions.
Whether you are new to AI and cryptocurrency, an experienced investor exploring emerging opportunities, or simply curious about how technology may reshape financial independence, *The Wealth Engine™* offers an accessible starting point without unnecessary jargon.
The book is built around a simple principle: **systems over speculation**. Sustainable wealth is rarely created by chasing every trend. It is built through knowledge, disciplined decisions, thoughtful risk management, and the ability to recognize lasting value.
Your purchase also creates an impact beyond your own financial future. **One hundred percent of the proceeds from *The Wealth Engine™* supports scholarships for students in need through Hariom Helps Foundation.**
Understand the technology. Evaluate the opportunity. Build wealth with purpose—and help a student build a future.