Episode Summary: Is buying land still the safest investment for Malayalis? Or are you losing money by holding onto traditional assets? In this episode, we sit down with Nikhil Gopalakrishnan (CEO, Pentad Securities) to decode the psychology of money.

From the "Lottery Mindset" that keeps people poor to the uncomfortable reality of financial transparency between husbands and wives, Nikhil breaks down exactly how to perform a "Financial Health Checkup" on your life. We discuss why a ₹5 Lakh health insurance policy is no longer enough, why you should rethink giving gold to your daughters, and how to actually build wealth in 2026.

In this episode, we discuss:

• The Land Myth: Why real estate might be a concentration risk today.
• SIP vs. Loans: