Prashant Agarwal
Prashant Agarwal is a seasoned financial industry insider and global strategist with 25 years of experience and an MBA from Harvard, working at the intersection of capital and human behaviour across global markets.
His research on the Longevity Paradox and financial flexibility frameworks offers a panoramic view of shifting economic realities and the money-mindset required to navigate them.
In CLIFF, he brings personal finance down to first principles through stories, strategy, and a six-step approach to building long-term financial security in an uncertain world.
CLIFF: Money plans for Longer Lives with Shorter Careers
by Prashant Agarwal
CLIFF is a practical guide to navigating money in a world where people are living longer but working in shorter, unpredictable phases. Drawing on more than 25 years of experience at the intersection of finance and human behaviour, Prashant Agarwal addresses what he calls the Longevity Paradox: a reality where longer lives and non-linear careers place new pressures on personal finance.
Rather than treating money as a technical problem, CLIFF focuses on mindset, judgement, and flexibility. Through stories, behavioural insights and clear frameworks, the book dismantles the complexity surrounding personal finance and replaces it with a structured, human way of thinking about financial decisions.
At its core is a six-step approach that helps readers build financial security without rigid rules or abstract theory. CLIFF is written for professionals who feel financially careful yet uneasy, for those navigating career transitions, and for anyone seeking a calmer, more resilient relationship with money in an uncertain world.
What's Inside
A New Lens on Modern Financial Life
An exploration of how longevity and non-linear careers reshape the way money must be managed today.
The Psychology of Money Decisions
Insights into why high-achieving people still struggle with financial clarity, and how behaviour and emotion shape financial outcomes.
The Six-Step Framework
A simple, structured system for building financial flexibility across changing life and career stages.
Tools for Transitions
Practical strategies for managing income shifts, risk, and uncertainty during career changes and entrepreneurial phases.
From Complexity to Clarity
Stories and frameworks that translate financial thinking into everyday judgement, helping readers move from anxiety to informed control.