"I have money, I just don’t know where all of it is.”

A friend said this in passing over dinner — partly-joking, partly-serious — and somehow this stuck with me.

Not because it was rare.
But because it’s all of us.

The scattered truth

If you happen to ask an average Indian working professional, “What’s your NetWorth?”, you’ll get one of three responses:

1. A rough top-of-the-head estimate more like a ballpark figure
2. A confused look (most of the times)
3. ‘Do you mean salary?’

What you rarely get is Clarity

Because most of us don’t see our NetWorth — we guess it.
Our money is scattered across accounts, banks, insurances, digital lockers, UPI apps, SIPs, fixed deposits, and dusty files in our homes.

We live with this mindset "I think I have enough," but we rarely have one place that shows us:
Here’s exactly what I own, where it is, and what it’s doing.

Why this happens: A peek into the Indian money mindset

The a truth we don’t talk about enough:
India skipped the organisation phase. Let me explain

We went from scarcity → to saving → to investing… without ever pausing to organise.

Our parents taught us how to save.
Our peers taught us how to invest.
But no one taught us how to track.

We open accounts when someone says it’s a good idea.
We buy insurance without reviewing overlaps.
We leave old bank accounts running just in case.

It’s not that we’re irresponsible. It’s that we’ve outgrown our own financial systems — and haven’t upgraded them yet.

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The price of “scattered but secure”

You might think: “But I’m doing fine. I have money in a bunch of places. Isn’t that good?”

Sure.
But here’s the silent cost to pay-

• 📉 Missed growth: You don’t know which asset is working hard and which is sleeping
• 🧠 Mental clutter: The more accounts, the more logins and passwords to remember, the more tabs open in your head
• 😔 No confidence in crisis: If something happens to you — or your family — would anyone know where the money is?

No doubt, scattered money is still wealth.
But it doesn’t give you peace

The power of visibility

Imagine logging into one clean dashboard and seeing:

• ₹4.2L in mutual funds
• ₹1.3L in your EPF
• ₹1.8L in bank balances
• ₹2L in insurance cash value
• 3 liabilities clearly marked
• Your nominees updated
• Your NetWorth, in real-time

Now imagine the relief that it brings.

That’s where FOLO comes in— not to help you earn more or spend less — but for you to finally be able to see your true NetWorth.

If you’re reading this, you’re probably already earning and investing.

Now it’s time to organise.

Because wealth you can’t see…
is wealth you can’t feel safe with.

✅ Next up: Scattered, Not Broke: The Quiet Anxiety of Indian Finances