Temperament: Money, Mind & Emotions

Hosted by Personal Finance TV

Episodes

Language

EN-US

About the show

After an incredible first season, Temperament is back with Season 2, and we’re taking things to the next level! In this season, we dive even deeper into the emotional and psychological dynamics behind financial decision-making. How do our behaviors, mindsets, and emotions shape our financial lives? Tune in for insightful conversations with leading experts in wealth management, psychology, fintech, and investing, who bring both practical strategies and a human touch to the world of finance. And that’s not all! We’re turning Temperament into a video podcast! Catch exclusive video interviews on our YouTube channel, while our popular narrative-style episodes continue on Spotify and other audio streaming platforms.

Listen to episodes

60 recent

24 min

Why is it hard to stick to long-term financial goals?

We live in an age where SIPs, insurance plans, and retirement calculators are just a tap away. But despite the access and awareness, most of us hit pause before the plan plays out. In this episode, we unpack the deeper forces that derail long-term financial consistency. It’s not just about knowledge—it’s about belief, emotion, and behaviour. We discuss: Why short-term temptations overpower long-term intentions? How emotional disconnect makes us abandon well-meaning plans? The hidden influence of childhood money patterns and identity triggers. What makes someone stick with a plan—and why another quits halfway? Behavioural hacks to build consistency, from micro-actions to meaningful goals. *Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors. Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

25 min

Why do we risk money on betting apps?

Why are so many people in India risking their money on betting apps? Once seen as shady or underground, betting platforms have now gone mainstream—gamified, glamorised, and accessed by millions. But behind the thrill of the game lies something deeper. In this episode, we explore the behavioural psychology behind betting, how it hijacks our decision-making, and why breaking the cycle is so hard. We discuss: Why betting apps feel more exciting—and more accessible—than long-term investing? How algorithms are designed to reward you just enough to keep you hooked? The psychological traps of sunk cost, illusion of control, and herding How childhood, income level, and financial stress shape our money risks What it really takes to walk away—from self-exclusion to professional help? *Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors. Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

21 min

How to Invest in India's Aviation Boom?

What if aviation wasn’t just for airlines anymore? From private charters and drone academies to electric aircraft startups and infrastructure plays, India’s aviation sector is quietly opening up to a new kind of investor. In this episode, we explore how aviation is becoming a serious investment opportunity—beyond just aircraft ownership—and what you need to know before stepping in. We uncover: Why charter plane leasing and fractional ownership are gaining investor interest How deep-tech startups are building electric aircraft for urban mobility The growing role of drones in agriculture, logistics and defence How pilot training and aviation EdTech could become the next big opportunity Why EVTOLs (electric vertical takeoff and landing aircraft) are creating an entirely new ecosystem for long-term plays Watch full conversation with Capt. Shivan M Bhagvati : https://youtu.be/CXy-Wj8XKb4?si=qfKpoC-3xftH_y6_ *Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors. Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

23 min

How do HNIs think about money & manage their finances?

What do the ultra-wealthy know about money that most of us don’t? As India witnesses a historic rise in multi-generational wealth, the real secret isn’t just better investing—it’s a completely different way of thinking. In this episode, we dive into the psychology, systems, and temperament that shape how HNIs preserve and grow wealth across decades. We explore: Why creating wealth is not the same as preserving it? How the ultra-rich plan 30–50 years ahead—often for family members not yet born? The emotional side of money—fear, secrecy, social pressure How family constitutions keep values and power aligned across generations? Why liquidity, not luxury, is often their biggest strategic edge? Watch full conversation with Munish Randev : https://youtu.be/4a47oKIOoZ4?si=CFhyImuUHIcO6Jts *Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors. Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

23 min

Why longevity demands a new retirement plan?

What if your retirement lasted longer than your career? With rising life expectancy and changing family dynamics, the traditional idea of retirement—saving till 60 and resting after—no longer holds up. In this episode we speak to experts across finance, health, and longevity to understand how aging is evolving in India. We explore: Why most retirees run out of money within 15 years? The financial and emotional risks of living longer How to plan for 30-40 years of retirement, not just 10 or 15 Why extending your working years might be the smartest move? The growing need to invest in health, not just wealth Watch full conversation with Jitendra Chouksey: https://youtu.be/e0sRTsRWxDM?si=fmG9hcQRSK_MZuci Watch full conversation with Upasana Koul: https://youtu.be/v684N5MLajA?si=J-MmppnUqhPrvMwV *Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors. Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

23 min

How is AI changing personal finance and investment?

Managing money isn’t easy—budgeting, saving, investing—it all takes time and effort. But with AI entering the scene, personal finance is undergoing a major shift. From automating expense tracking to offering personalised investment advice, AI is starting to reshape how we manage our money. In this episode we explore how AI is revolutionising personal finance in India? We dive into: How AI is bridging India’s financial literacy and advisory gap The rise of AI-powered tools for budgeting and investment decisions Why AI can support but not replace human financial advisors The role of personality-based finance and real-time personalisation Risks around data privacy and unregulated AI tools Watch full conversation with Sonam Srivastava: https://youtu.be/rrwQ-HdKVkk?si=dKE0nImLrbkvbYwl *Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors. Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

26 min

How to build financial harmony in a relationship?

Love and money—two forces that shape our lives. When they align, they build security and shared dreams. But when they clash, they lead to stress, conflict, and even breakups. Studies show 35% of couples cite money as their biggest source of stress , and 22% of divorces happen due to financial disputes . Yet, for something so crucial, money is often the hardest thing to talk about. Couples plan vacations, discuss the future, and set life goals—so why does discussing finances feel so awkward? In this episode we dive into: Why money conversations are so uncomfortable in relationships The concept of “money dates” and how couples can structure financial talks Common money mistakes couples make—and how to avoid them How different financial personalities impact a relationship Managing finances as a couple: Should everything be joint or kept separate? Watch full conversation with Lisa Pallavi Bohra: https://youtu.be/NfQpYlNGv3A?si=2z7aARkyE6qqVNOh Watch full conversation with Nisha Sanghavi: https://youtu.be/Bf6OyZfHBiY?si=hoK5-DyvwMSldOxx *Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors. Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

26 min

How to handle your finances in divorce?

Divorce is never just emotional—it’s a financial earthquake. From splitting assets and debts to navigating alimony and future responsibilities, separating finances is often more complicated than ending the relationship itself. But here’s the big question: How do you protect yourself financially before, during, and after a divorce? And what are the biggest money mistakes couples make that leave them vulnerable? In this episode, we unpack: The financial red flags to watch for during a marriage How asset division actually works in Indian divorces Why financial transparency between partners is non-negotiable Essential steps to rebuild your finances after separation Real-life stories of financial blind spots that turned into nightmares Watch full conversation with Aditi Mohoni: https://youtu.be/-Ir0szqH4_s?si=1cKJuu-i-wrY1hQC *Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors. Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

26 min

Investing in Art: Only for the Rich?

Investing usually brings to mind stocks, bonds, and real estate. But what if we told you that art—yes, paintings and sculptures—can also be a serious asset class? While some pieces sell for millions, others fade into obscurity. So, what makes art a valuable investment, and how do you know if it’s worth your money? More people, especially in India, are beginning to see art as more than just decoration. But before diving in, it's important to understand how the market works and the risks involved. In this episode, we explore: How art is valued and what drives its price The influence of galleries, museums, and collectors on an artist’s market value Key factors that separate good investments from emotional purchases Emerging trends like fractional ownership, NFTs, and art leasing Whether art should be a part of your investment strategy Watch full conversation with Pratik Sharma: https://youtu.be/PFxVo5jY3Ac?si=w_T8eG2r4ZaJgsYZ *Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors. Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

23 min

How does financial trauma impact finances?

Have you ever felt guilty about spending money, avoided checking your bank balance, or worried about finances even when things were going well? You’re not alone. Our relationship with money isn’t just about income and expenses—it’s shaped by past experiences, deep-seated beliefs, and even generational patterns. But here’s the big question: How does financial trauma shape our money habits, and what can we do to break free from it? In this episode, we explore: How past financial experiences influence your decisions today The emotional impact of growing up with scarcity or financial instability Common money fears and how they manifest in adulthood Practical ways to heal financial trauma and build a healthier money mindset Watch full conversation with Dr. Nitasha Pandey: https://youtu.be/m2bL8UXz0UA?si=_6RyFAeOtTInOg9K *Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors. Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.