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- Sun, 14 December 2025
Rachana grew up in Pune, Maharashtra, in a well-to-do family with a mother who was very keen on inculcating financial education within her family, especially in her children.
From the age of 11, Rachana’s mother gave both her and her brother pocket money. Both of them were to write down an expense list and provide her with the list at the end of the month of where they spent their money. Luckily, if someone had saved some money, they would get an extra Rs 10 or 20 the next month as a reward.
Rachana always thought to herself: what is the point of doing all these pocket-money shenanigans? Later on in life, she realised how this played an important role in her life journey, especially the journey of being financially independent.
Rachana cleared her CA in her first attempt and started pursuing her teaching career in 2009. She taught a whole range of students, including CA Intermediate, Finalists and MBA Finance students. She gave 8-10 hours a day to teach children and made sure that her energy was always at “150%” because only then would the students be mildly interested in what was being taught.
In 2019, she started her career on YouTube as a side hustle, which, surprisingly, became her full-time job.
In 2019, Rachana Ranade had already built a strong base as a teacher, and her YouTube channel had begun to grow with around 70,000 subscribers. That year, YouTube announced its NextUp competition for emerging creators, and Rachana qualified to participate.
She attended the bootcamp in Delhi, where she was introduced to the fundamentals of filmmaking. She learned about script writing, the three rules of lighting and other skills that helped her understand how to present her content better.
At the camp, she also met creators such as Gaurav Taneja, popularly known as Flying Beast. Watching him, she instinctively calculated that if someone could leave a well-paying job as a pilot to pursue YouTube full-time, the platform clearly had immense potential. That thought stayed with her and gradually turned into conviction.
From that camp, she decided she wanted to pursue YouTube full-fledgedly.
Today, her channel has grown to more than 5.29 million subscribers, making her one of India’s most popular financial educators. Rachana’s vision has always been simple yet powerful. Finance should be accessible to everyone. To bridge the gap between education and language, she launched a second channel in Marathi, her mother tongue, offering the same content to those who prefer learning in a regional language.
Her YouTube content focuses on simplifying finance and investing for beginners and retail investors. She covers a wide range of topics, including the basics of the stock market, fundamental and technical analysis, investment strategies, IPO updates, sector-specific opportunities and current market trends. Beyond YouTube, she has designed structured courses for learners at different levels. Among them, the Basics of Stock Market course stands out as the most popular, with a strong rating of 4.8 out of 5.
What began as an experiment in 2019 has now become her full-time mission. Rachana Ranade continues to combine her expertise as a Chartered Accountant and her passion for teaching to spread financial literacy in the simplest way possible.
Rachana believes that academia plays a critical role in shaping who you are as a person.
For her, the journey of preparing for Chartered Accountancy was not only about passing exams but also about building discipline, sincerity, and perseverance. Even those who do not clear the exam, she says, still build these further helpful strengths.
Academic rigour, in her view, significantly increases one’s chances of achieving excellence.
She also challenges the popular narrative that dropping out of college is always a shortcut to success. According to her, not all college dropouts go on to build unicorns or thriving businesses; only a very small percentage do.
But that can only be done when they know how to apply their theoretical knowledge practically.
Rachana had only one chapter about the stock market during her CA studies, but she knew she wanted to know more; she knew she wanted to have a USP amongst the other students. So every day, during her articleship, she spent 30-40 minutes at the broker’s place, looking at the live rise and fall of the market back in 2007-2008. She even witnessed the 2008 financial crisis. This knowledge helped her build a foundation for herself.
Rachana recommends dividing your salary as follows:
50% for necessities like food, water, and shelter
30% for luxuries such as jewellery or other discretionary spending
20% for savings
If your necessities take up 70% of your salary, do not use the remaining 30% for luxuries. Allocate at least 20% of your income toward savings.
FIRE is a movement focused on saving and investing aggressively, often as much as half of one’s income, to achieve financial independence early. The goal is to cover living expenses without relying on a job, sometimes as early as your thirties or forties. A central principle is the 25 times rule, which suggests saving at least 25 times your annual expenses, allowing you to withdraw around 4% per year comfortably. Rachana recommends saving 30–40% of your income to achieve FIRE.
Short-Term Goals (up to 3 years): Prioritise safety and liquidity. For example, if you are saving for your child’s education, invest in secure instruments like fixed deposits rather than stocks or mutual funds.
Long-Term Goals (7+ years): Risk can be taken because time is your advantage. For high returns, consider equity or mutual funds. For example, if your child’s marriage is 15 years away, invest in high-return, high-risk assets initially. About three years before the event, gradually move your funds to safer investments like fixed deposits.
Looking ahead, Rachana Ranade is likely to continue her work in financial education through her YouTube channels, courses, and other initiatives. As financial literacy gains importance in India, there is potential for her to reach a wider audience and develop new content that addresses evolving needs, such as regional language education or specialised investment topics.
Public perception of Rachana is generally positive. Viewers appreciate her ability to explain complex financial concepts simply and understandably. She is recognised for her knowledge as a Chartered Accountant and her dedication to teaching.
Overall, Rachana Ranade is regarded as a prominent figure in India’s financial education space, and her work continues to contribute to increasing awareness and understanding of personal finance and investing among a wide range of audiences.
[Credit for header image: Entrepreneur
This content is for informational purposes only and does not constitute legal, financial, or investment advice. We do not assume any liability for actions taken based on this information]
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