Raushan Kumar
Founder & Editor, MoneyMinded
Raushan is not a licensed financial adviser, accountant, or tax professional, and MoneyMinded does not present him as one. His aim is to translate mainstream, widely accepted financial principles into clear, practical steps — never to give personalized advice.
Areas I cover
MoneyMinded's guides span the everyday money topics that make the biggest difference for beginners:
- Budgeting
- Saving
- Debt & Credit
- Credit
- Banking
- Investing
- Retirement
- Personal Finance
- Money Basics
- Financial Basics
Editorial & research responsibilities
As founder and editor, Raushan is responsible for what MoneyMinded publishes. That includes choosing which topics to cover, researching each guide from reputable and official sources, verifying important figures and claims, editing drafts for accuracy and clarity, and updating guides when guidance changes. MoneyMinded may use AI-assisted tools during drafting or editing, but published content is reviewed and edited under the site's process, and a person is always accountable for it. You can read the full detail in our editorial standards.
Articles written and edited by Raushan Kumar
- How to Make a Budget: A Simple Step-by-Step Guide for Beginners
- The 50/30/20 Budget Rule Explained (With Real Examples)
- How to Budget on a Low Income (Without Feeling Deprived)
- How to Build an Emergency Fund From Scratch
- 27 Realistic Ways to Save Money Every Month
- Sinking Funds: The Simple Trick for Irregular Expenses
- How to Save Money on Groceries: 20+ Simple Ways
- How to Save for a House Deposit (Down Payment)
- How to Pay Off Debt Fast: Snowball vs. Avalanche
- How to Get Out of Credit Card Debt: A Step-by-Step Plan
- How to Improve Your Credit Score: A Beginner's Guide
- Good Debt vs. Bad Debt: What's the Difference?
- How Credit Scores Work: A Beginner's Guide to Building Credit
- APR vs. APY: What's the Difference and Why Does It Matter?
- How to Start Investing With Little Money
- Index Funds vs. Individual Stocks: Understanding the Differences
- How Does a 401(k) Work? A Beginner's Guide to Retirement Saving
- Roth IRA vs. Traditional IRA: What's the Difference?
- How to Stop Living Paycheck to Paycheck: A Practical Plan
- What Is Compound Interest? A Beginner's Guide
- What Is Net Worth? How to Calculate and Track Your Net Worth
Get in touch
Have a question, a correction, or a topic you'd like covered? Head to the contact page — every message is read. For how MoneyMinded's guidance should (and shouldn't) be used, see the disclaimer.