How I wrote my 1st book in 500 days – Here is the complete story

POSTED BY Jagoinvestor ON October 19, 2015 COMMENTS (35)

Sometime around March of 2010, I was checking my inbox and saw an email from a person from CNBC. The message said that there was an opportunity of me authoring a book on personal finance.

For a moment, I could not believe it.

It was an ecstatic moment for me because I was just 27 yrs old, with 2 yrs of experience in IT industry and 2 yrs of experience running this blog. The world around me was all about python, Perl and servers and here was an email asking me to author a book on money which would be published by CNBC. I was going to be a mini-celebrity and I knew it would be counted as great achievement on my portfolio. This blog was around 2 yrs old at that time.

I replied back that I would surely be interested in this assignment and wanted to know how it works. It was a great coincidence that I had a very rough idea of a book already in place, when I used to fantasize the idea of book writing some day and here was the opportunity knocking my door.

I went to Mumbai, had a quick meet with concerned person and I was all set on the assignment of Book Writing.

Starting of the Book writing journey

The next few days were highly energetic.

I could not believe that I was really writing a book at this age. I had already done more than 300+ articles by that time and had interacted with thousands of investors by that time over comments section of this blog. I had a fair understanding of what kind of book will really help an investor.

I started jotting down all the important points and concepts which I should cover in the book. I thought that writing a book would be easy for me, as I had written so many articles on various concepts already. After all, I just needed to arrange them in a certain manner which looks like a book, change the language of the content to look powerful, add few examples and enough stories to make it interesting and engaging.

I created a Google doc folder and started creating various chapters’ pages. Here is a snapshot of how it looked like finally…

book writing experiance

My initial way of planning and thinking about the book was like this…

I thought, if I wrote 10 pages daily, it would just take 25 days to write 250 pages. If I target the book in 30 days, I would still have 5 days left. I added 1 more month as a buffer period to refine my book and make any changes if required. I thought 2 months would be enough.

The book finally took me 500 days

I know what you are thinking right now. I know I so stupid.

As you must have guessed by now, I had done a very poor job in planning and estimating the time required to write a book. I think it’s not even “poor planning”, it was “pathetic planning”.

I over-estimated my capabilities to the highest level. I finally took 1.5 yrs (500 days) to complete the book and now I will give you insights on why it took so long.

Let me share with you that, I was very clear that I don’t want to do a “good book”. I wanted to write an extra-ordinary book, which is relevant for many years to come and truly helps an investor who is new to the world of personal finance.

I had seen some the other books which were written and they all focused mainly on the “knowledge” part of personal finance. Each of those books had information about various financial products, tax saving avenues etc. I think those kind of books have their own importance and are required. However, I didn’t want to write “just another book” on the shelf, which is giving the same information to investor like others.

What kind of book I wanted to write?

I wanted to do a book, which shakes the investor. A book which shows them the mirror and truly makes them understand some really important principles of personal finance. I wanted to do a book which is ACTION oriented, not just information oriented.

I wanted to write a book which wakes up an investor from their sleep and clears their way of looking at their financial life. A book which acts like a big brother guiding them on how to look at their money matters and builds a guideline for them to follow. And I think, I succeeded in what I wanted to do, the proof is 81 reviews on flipkart, with an average rating of 4.4 out of 5

I was like the director of the movie, who had to make sure he casts the right actor, good story, great scenes, and dialogues and at the end, had to connect all these elements and come up with a master piece. Before I move ahead, I would like to check out a review by “Saravanan A” on amazon. It captures the essence of the book beautifully

reader testimonial for book

I started writing the book

When I finally started writing the book, I started building the book skeleton.

I prepared the chapter names and just wrote down what each chapter will talk about. Trust me it sounds very simple, but it took me over a month to just do that part in proper manner. Write one article was easy, but how do I write a book which is 100X times an article? At the same time it had to be interesting, outstanding, full of examples, insightful and had to have a strong flow at the same time. The book was suppose to make sure it hooks the reader till end.

It was not an easy job

I first created the list of chapters, and the number went upto 22 in numbers. There was so much to write in each chapter. I started with first chapter, then 2nd and then 3rd …


I realized, that I have done everything wrong. After I did 50-60 pages, everything I did looked so damn bad to me. I was not happy with it.

I hit the delete button and all 3 chapters were gone. I realized, I needed to relook at my strategy.

I now started defining the chapter names, sub-topics under each page. I wrote down the headings part of each chapter and what all will go into it. It was like mini-index of the whole book.

This way, it became more easy for me, because now I was actually creating a proper flow and was actually giving the shape to the book. Once I had completed that, I just have to expand each point with 200-300 words and my 800-900 point skeleton book would expand to 100X size and would be a 90,000 words book.

This was a top to bottom approach.

Trust me, it looks the obvious way to write the book NOW. But that time, it didn’t click me. I made a lot of mistakes and lost a good amount of time to just figure out, how to give a good start.


Finally, I ended up with 8 chapters. Some chapters were long, some were very short.

The First Chapter – My best work !

The first chapter I wanted to do was on the topic of early investing.

I was first wondering does this topic deserve a full chapter? After all how long can I write on the point of early investing?

In one line, if you summarize it, it looks like “If you invest early, you can start small , but if you are late, you will have to put more money later to build the same amount of wealth”.

But then were are so many dimensions to this single topic and I was so fascinated with it that I wanted a detailed chapter on this single topic, which is outstanding and goes beyond the simple conversation.

I wanted to give examples, real life analogies and enough data as the backup to prove my point. I found out that though the starting the chapter was very tough, it was not that tough later. Once I was in the flow, I started enjoying the book. I could visualize how a reader will feeling while reading it. What kind of questions they will have and what kind of examples will help them to understand the concept in a better way.

Working in Excel

I did a lot of work on excel, created charts, came up with examples and did a lot of number crunching.

I came up with lots of interesting conversations which would make investors understand the point. I wrote 40+ pages for the first chapter. I read the whole chapter once I completed and I found I can do better, then I went through the chapter, edited it back, and pruned the content, added some more ..

I created the rough sketch of examples and images and the designers at CNBC did an excellent job at recreating nice illustrative pictures which conveyed the same in the book. The eye-catching graphics which they created, increased the richness of the book. Here is a snapshot of what I created and what you see in the book.

How editing happens

I was happy on my achievement

Finally, I was satisfied and happy with my 1st chapter and I was proud of it. I could see the power and impact of the first chapter book on an investors mind.

My goal was simple – “If someone reads my first chapter, he will not delay his investments after that”.

It was as simple as that. Some book readers told me, that they started their SIP just after completing the first chapter, they didn’t even wait for completing the book.

I had done the first chapter in 15 days time and it was the biggest chapter of the book. I recalculated the time I would take to complete the book told CNBC, that I will not be able to complete the book before 6 months. They were happy listening to that πŸ˜‰ (maybe they knew the reality)

Once I completed the first chapter, I thought of taking the break before I start my 2nd chapter. The short break lasted for 2 months. After working so extensively on the 1st chapter, I was a bit exhausted and was flying high with confidence and every time I thought of returning to the book writing, something or the other came up and made sure I could not concentrate on the book.

My 6 months deadline was about to complete and I was done with just 2-3 chapters only. It was just 40% of the book. For the first time, I was understanding how tough it was to keep your deadlines promises. Whenever someone defined the deadlines for the projects in our projects meetings, I had a dangerous smile on my face.

Finally, I completed the book

Now, let’s cut things short and come to the main point. I finally wrote other chapters on risk and return, insurance, simplicity requirement in next few months.

I also added a chapter called, “Relationship with Money” which touched the point of how our emotions are connected with money and how we see money in our life. It was a very different kind of concept which was introduced by Nandish Desai, my business partner.

So I requested him to write that full chapter because I knew that I will not be able to justify that chapter because of my limited understanding of that subject and I think he did a brilliant job in that. It added a whole new dimension in the overall book and it was aligned with the book mission.

It helped investors to connect with their emotional side of money. Thanks to Nandish to author that chapter (we will soon come up with his 1st book story)

Editing of the Book

Finally, I managed to complete the book in a year. By the time, I completed the 80% part of the book. The editing had started.

I was sending each chapter to CNBC which was now edited by a professional. They checked the whole book for the English language and the sentence duplication. If 3 lines conveyed the same thing, It was merged into one and the sentence was pruned. When the edited version of the chapters came back to me, I was horrified to see how pathetic my English was (I knew it was bad, but SO BAD ?)

The Book Editing

With heavy heart when I asked the editor is that was normal? They said – “YES – It was totally normal and it happens with every writer”. I was a happy writer again πŸ™‚

The Polishing of the book content

I saw, how the editor had polished the book language and made it look more professional. They had also suggested some changes (very minor) and I incorporated them. To my surprise, this whole thing again took few months and finally I got one final version of the book to check for one last time before the first print happens.

I started reading the edited version of the book. This was the first time when I was reading my complete book as a reader. That cute little thing as attachment, on my email was one of the most beautiful thing I had seen. I felt like I was a mother who just delivered a baby after 9 months of labor (1.5 yrs in my case).

I started the first sentence, then first page, first chapter … and finally the whole book.

Happy and Proud Moment

I was extremely happy and proud. I could see that the book was able to make an impact. I had taken a lot of time to do the book, but I had not compromised with the content quality. I didn’t write it with rush.

We originally gave the name of the book as “Jagoinvestor”, because the book focus was to wake up an investor and that name looked appropriate, however after an year, we changed the name to “16 personal finance principles every investor should know”, because it was a more clear name and conveyed what the book was all about.

16 personal finance principles every investor should know Financial Planning Book in India - Personal Finance Book in India

βœ“Buy the book – NOW
Today when I look back, I am happy that I was successful in writing the book I visualized. As a first time writer, I did a very good job.

The book has been so powerful, that a lot of investors who read my first book suddenly start acting on their financial lives and some even contact us to do their financial planning. Our best clients came to us by reading our books. A lot of investors who are DIY investors, even they get a lot of value from the book.

What I learned by writing the 1st book (and you should know that)?

A book is a creation, which comes into life after a lot of hard work. There are many dimensions which comes together and then a book takes the shape. Writing a book might be easy, but writing a “good book” is not.

When you read any book, if you get one insight or one learning which can impact your life, I think the author has done his job and you have got your value. A book can have some mistakes, some part of the book might not sound great to you, but be thankful for the good part, ignore the average part.

Now when I read a book, I ask myself if I learned any ONE THING from the book or not? If the answer is YES, I consider the book as great. I have stopped criticizing any author (anyways, I never did) because I now know the other side too. I recently read a book called “Predictably Irrational” by Dan Ariely. My god – What a creation ! .. What a book it was .. If only I was 10% of that author, I would have done wonders!.

Share your comment

Let me know what do you think about my journey of writing the book? What did you learn from it? Also share if you have read my first book or not?

35 replies on this article “How I wrote my 1st book in 500 days – Here is the complete story”

  1. Janardhan says:

    Can i meet you ? My name is Janardhan and i am 25 year old and i want to start my investments. So i need your help. I stay in Pune. Please send me your contact number to talk or to meet . my mail id is

  2. Tom says:

    Wow nice…I always love your blogs and read every day if I am free, but knowing this actual story behind writing a book is amazing. Alas, I have not yet read the book but in future definitely I am going to… and yes please keep writing the blogs so that we could read and learn new things in personal finance…

  3. vandana says:

    Hi Manish,

    I’m sorry i have not purchased the book, but i would like to say a big thank you to you !!! I’m a Big fan of your articles !!!!
    I am not reading your articles from now, i am reading it from 2008-2010… and i really feels a graceful because when i was growing…. i grown up with your such a great work in financial principles……. i am a Final year ICWAI Student.. plus i worked for 9 years as an accountant but still because of your way of money saving … i saved a bit of money with your views.. i started investing in SIP and than purchased 1 house, i really thankful to youu…. !! i will purchase your book after i get a new job would be our pleasure thank you for your time … and i pray to god,,you get all happiness in your life.. i wish u a all good luck for future!!! And thank you for providing such a great thoughts in my growing career !!!

  4. Amit Garg says:

    Hi Manish
    The story is as interesting as your blogs. I consider myself DIY investor but still I follow your blogs for regular updates and enhancing my knowledge.Great to know the inside story. I have not read the book yet but planning to buy now.

    1. Glad to know that Amit Garg ..

  5. Sahil says:

    Hello Manish,

    It was a pleasure to read about ‘Behind the Scenes’ of your first book ‘Jagoinvestor- Change your relationship with Money’ (name changed now).
    I am avid follower of your blog and it changed my whole relationship with money.

    I remember, that I was very excited when you launched the book and I had immediately ordered the book. I read it within a few days as it’s language was very easy and I was very inspired by it.

    It was (and still is) a very fine book related to personal finance. I read a few more books on this topic by other authors, but none connected as much as this book did.

    Thanks for sharing your knowledge and wisdom on personal finance.

    Keep sharing and stay happy πŸ™‚

    Sahil Bhatia

    1. Glad to know that Sahil .. Thanks for sharing your experience

  6. Bharat says:

    Dear Manish,

    Thanks for sharing this information. I have read your book and I have felt at that time the hard work you did for writing that master piece. Yes writing a book is very exhaustive and you did a fantastic job writing your first master piece.

    Looking forward to read many more books from you.

    Good luck!


    1. Sure . we are working on other books and we will soon share that with you

  7. Nishant says:

    Hi Manish
    Wonderful article !
    I never read your books before but after this article next book which i am going to buy is
    16 Personal Finance Principles Every Investor Should Know .
    Keep Writing & sharing

    1. Glad to know that Nishant ..

  8. Dr.Sachin says:

    Thanks Manish ji for sharing your experience and efforts on writing this book. It was the first book I read about investments and going through your article here made me feel like going through the ‘behind the screen’ snapshots of a movie. πŸ™‚
    And as far as the book is concerned its a self contained one . Everything an early or late investor need to know is well described in this book.
    It was the google search on LIC policies I chose made me land on your blog. And got to know abt ur book from the blog. Purchased it and I am sure I chose the right one as far as my early reading on investment is concerned.

    1. Thanks for sharing that Sachin πŸ™‚

  9. Chakravarthi says:

    Hi Manish,

    Great inspiring article. I have read all 3 books which are very nice. First one is very nice and benefited a lot from that book. I have gain lot of value(10000 times) worth compared to book price. Anybody without any knowledge on financial planning can read and understand the principles from your book. Keep it up.

    Thanks and looking forward for more books.

    1. Glad to know that Chakravarthi ..

  10. Dev says:

    Good one

  11. Hi Manish,

    Thank you for sharing your experience. It is inspiring to me and the article has lot of learning as well.

    BTW still to write the first sentence of my first book. Perhaps the most difficult job to do.

    1. Glad to know that Harshavardhan ..

  12. Anil says:

    I have purchased almost all your books and among all I loved your first book the most. I even have read almost 20 more books on personal finance and I think you are the number 1 author on this topic and no one even closer.
    I started or I should say realized that there is something called personal finance from your blog and books. You are lIke finance god to me. I rather belong to lower middle family and always believed that there’s nothing I can do but you gave me all the hope in the world that I too can get financial free person despite low income.
    Your books and blog turned me into a finance geek.
    Manish sir I am very grateful for all your great work and you are not just an author for me but much more than that and have a deep place in my heart.

    1. Thanks for your beautiful comment Anil πŸ™‚ .. keep reading !

  13. Rajesh says:

    I can feel the pain you are going through and could relate with you very easily, coincidentally right now even I am in the phase of planning to start a blog and the amount of ground work I am doing really makes me connect with you..

    1. Glad to know that Rajesh ..

  14. PKumar says:

    Hi Manish,

    your book is the only finance book that i have read cover to cover.

    Best book on this tricky subject called money.

    all the best for your future books


    1. Glad to know that PKumar ..

  15. Pritesh says:

    Hello Manish,
    It was a nice read. Your journey to become a writer was interesting. I am a regular reader of Jagoinvestor blog. You write with complete honesty and simplicity. That reflects in all your articles.

    I haven’t read the book yet, I absolutely look forward to read it. The best part about your blog is that you make complex things looks simple. Any layman can connect with the subject you choose to write on ‘Jagoinvestor’. It’s easy to understand.

    You are educating people from the very basic of finances to the advanced complexity involved in one’s financial life. You are doing a fantastic job…!!! Keep it up…. πŸ™‚

    1. Thanks for sharing that Pritesh. .. will keep doing it !

  16. Hory Sankar says:

    I appreciate everything you have written down. I am an author too. It is a lot of pain that one goes through. I took about 4 years for writing my book. Although a personal achievement for my life, it also helps me generate an additional income which I SIP in mutual funds.

    1. Thats great to know Hory Sankar πŸ™‚ . I am understand that it can sometime take many years do to the book !

  17. Rachit says:

    Though I couldn’t take your classroom 1 day session (my bad luck) But I still can say this was the first blog and very instrumental in teaching me the finance. It is the first blog that motivated me to take action. My first action was the result of this blog. Other blogs that can give you knowledge but don’t force to take actions are of no use.

    3 years back when I started my career, I have started reading this blog. And when I first came across this blog, I have taken leave next day as I spend the entire night in reading the articles. I was so much hooked to the articles.

    Anyways, congrats for the good work. PPF, early investment, value of money, SIPs, discipline are some of the things I learned. And when i was reading the blog, I have forwarded this blog to my entire team on office more than 200 people.

    Thanks jagoinvestor for keeping this good work.

    1. Great to know that Rachit πŸ™‚

  18. Mohan Rao says:

    Dear Manish,

    Even though I am 60+ in age, I have been following your Blog for the last many years. I admire your common sense approach which is decidedly uncommon in this world with instant gratification and greed !!

    I always ” cc ” your articles which interest me to my children (both married and busy with their careers)
    I placed an order for your book today and am looking forward to reading it.

    With Best Wishes,


    1. Great to hear that Mr. Mohan !

  19. Santanu says:

    Your blogging journey is really awesome, when i read few years back. And now the way you have shared your book writing journey, it is really inspirational Manish. Hats off to your talent and dedication to be able to write such a useful book, which even a certified planner may not be able to write.
    Good luck. πŸ™‚

    1. Thanks for your comment Santanu

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