Loan ya Trap? Janiye Khushal Sharma ke Saath

Welcome to Value of Life — a podcast that brings real, relatable, and refreshing conversations around money, career, loans, lifestyle, and employee well-being.Hosted by Puja Singh, this podcast features deep-dive episodes with Khushal Sharma, widely known as HR Bandhu, a leading voice in India’s HR and personal finance space. With a strong background in employee life cycles and salaried life realities, Khushal brings a unique perspective to topics that matter to the working class, middle class, and young professionals of India.In each episode, we simplify confusing financial concepts like personal loans, overdrafts, home loans, credit cards, BNPL, CIBIL scores, and more. We also discuss the emotional and psychological impact of debt, and how employees can make smarter life choices beyond their paycheck.Whether you're trying to buy your first home, fund your education, start a business, or simply escape the EMI trap — this show is your no-nonsense guide to better financial decisions and a balanced life.