Two people, one monthly figure
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Working out what a household could invest each month takes an hour. Getting two people to the same number — with both of them able to say why it is that number and not a larger or smaller one — is the actual work.
Where that step is missed, the figure belongs to whoever set it. A number only one person can explain is harder to sustain, revisit or change together when circumstances move, because there is no shared reason to return to.
The conversation that has not happened yet
“How much are we putting away every month?”
“Whatever is left after the year-end.”
Neither person in that exchange is wrong. One is asking for a commitment.
The other is describing what has actually been happening.
What is missing is a conversation in which both of them can follow the reasoning to a figure.
An Ahmedabad investor wrote this about her adviser, published exactly as she wrote it.
On what the conversation itself was like.
5 out of 5
Everyone needs a Financer Advisor in their life. Six years back, my uncle suggested FinEdge. Many personal Financer Advisor have changed in six-year, but Shriya Tandon is one the advisor everyone needs in their life. I appreciate her positive energy and her encouraging attitude so much. Money is an emotional thing, whether we acknowledge it or not. She is very talented with numbers, but she’s also emotionally intelligent. Shriya communicates each step of the way and creates an environment where you feel entirely comfortable and heard. This indeed was one of the most remarkable qualities because talking about money is difficult, especially when it is tied to sensitive experiences. I'm so grateful to have been able to go through these sessions with Shriya and highly recommend it to anyone at any level!
What makes a number agreed rather than announced
Three things, and none of them is a document. Both people can restate why the figure is what it is — not the fund, the reason. The requirement it funds has a name and a date, so the figure is answerable to something. And there is a stated point at which it will be looked at again, which removes the need to renegotiate it during a bad month.
An Investment Manager's job in that room is to make the reasoning followable by the person who does not handle the money, and then to write down what was agreed. Where the two people want different figures, that is a real disagreement about priorities, and it is settled in the conversation rather than by whoever logs in.
Why does it matter that both of us can explain the number?
Because a figure only one person can explain is harder to sustain, revisit or change together when circumstances move. There is no shared reason to return to, so any change becomes a negotiation rather than a review.
Explanation is part of the work
Making the reasoning followable is not a courtesy offered after the plan is built. It is the mechanism by which a household figure becomes something both people can act on, defend in a difficult month, and change deliberately rather than quietly.
This page asks for planning that spans a household's goals rather than a single product decision. An Ahmedabad investor's public review describes exactly that job being done.
Public Google review5 out of 5 on Google
I’ve been a client of Finedge India for the past 8 years, and during this time I’ve worked with several advisors. Among them, Surbhi Srivastav truly stands out for her deep expertise and genuine commitment to her clients’ financial well-being. She helped me thoughtfully plan for retirement, my children’s education, and guided me in understanding the benefits of mutual funds with remarkable clarity. Her ability to break down complex concepts and turn them into actionable plans is exceptional. Surbhi is not just knowledgeable—she’s patient, persuasive, and professional. I’m grateful for her support and would confidently recommend her to anyone looking for a reliable financial advisor.
This review evidences planning across goals as one investor experienced it. It is not evidence of household agreement, arithmetic or any outcome, and it says nothing about returns.
Reviews are published verbatim from public Google reviews. Each describes one individual experience. It is not indicative of any other investor's experience, and not an indication of future results.
What this page leaves to other pages
An agreed figure has to be answerable to something. Naming and dating the requirement it funds sits on the goal-based investing page, linked at the end of this one.
Bring the second person
If you want to do this properly, have the conversation with both members of the household present. What comes out of it is a written figure and the reasoning behind it — something both of you can restate later without needing anyone else in the room.
The question this page hands on
Investors elsewhere arrive at this same question differently, and the other guides in this decision family are grouped under investors across India.