About this ebook
In Cash Flow Engineering, Om Prakash Kumar introduces a practical 40/40/20 framework built for Indian households. This chapter teaches you how to automate savings, eliminate hidden money leaks, and build a system where wealth grows by default.
Inside this chapter, you’ll learn:
• The Four-Account Method that forces savings on Day 1
• How to identify and fix ₹40,000–₹60,000/year in “leaky bucket” expenses
• The 7-Day Expense Tracking Challenge
• The Monthly Money Meeting system that prevents money stress
• Why Western budgeting rules fail in India
This is Chapter 2 of The Indian Money Playbook — a step-by-step guide to mastering money, protecting your family, and building wealth in the New India.
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About the author
Om Prakash Kumar is a finance-focused writer and practitioner who works at the intersection of money psychology, risk management, and long-term wealth systems for Indian households.
Having experienced financial instability early in life, he developed a deep interest in understanding how income, debt, and financial decisions shape everyday security and stress. That experience pushed him to study not just investing, but the systems that protect families during uncertainty.
His work focuses on helping salaried professionals and middle-class families move from income dependence to financial resilience through practical frameworks, disciplined habits, and informed decision-making.
The Indian Money Playbook reflects a system-first approach to money — emphasizing cash flow control, protection, and long-term asset building over shortcuts or speculation.
