10 Tips To Get Better At Personal Finance - Let's Learn From Dr. Pattu

Smart Finance
Smart Finance
4 Video Views·Sep 23, 2026

I am a doctor (a pharmacologist) who loves talking and learning about personal finance

This is a podcast where Prof. Pattabiraman from IIT (Indian Institute of Technology) talks about how to protect yourself and then focus on real joy and growth.

Hope you enjoy it!

Timestamps
00:00 - Highlights
00:40 - Introduction
01:06 - How should one protect themselves in this day and age?
10:28 - How much should my emergency fund be? Should it be more if I am a woman? May be 2-3 years?
15:20 - Does health insurance cover everything if I am hospitalized?
27:38 - Should we just lead a healthy lifestyle?
28:16 - Are there people who do not need life insurance?
32:59 - Are FDs still worth it?
42:20 - What do they mean that mutual funds are risky? Can my money go to 0?
47:20 - 'If you are invested in a mutual fund for 7 years, the chance of negative returns is 0'. Is this true?
48:16 - Should I invest in mutual funds?
49:24 - Rapid Fire Round
53:34 - Can money buy happiness?

Editing done by Govind Thampi.