I am a passionate financial educator and insurance professional from India with 13 years' experience in the financial sector. I have worked closely with individuals struggling to manage their monthly incomes. Having seen how most salaried people feel “rich on payday but broke by mid-month,” I have set out to simplify money management into practical, day-by-day steps. Through this book "Broke by 15th?", I combine real-life experiences, easy-to-follow strategies, and a friendly conversational style to help readers take control of their salaries and build lasting financial discipline.