Raj Shamani

Hi, I’m Raj.

​Some people meditate for peace, I ask questions. 
Basically, my work is to meet the smartest people and get into their minds. Not literally. 

I talk to them to learn from their expertise, their choices, and their life. And I take my viewers along for the ride.

For me, figuring out money, business, health, relationships, and life was so confusing in the beginning, and I’m sure so many others face the same problem. 

But it gets a little bit easier when you have the right people sharing their lessons (and occasional disasters).

When I’m not doing that, I’m hanging out with my dog, Crypto, who, unlike the real crypto, never disappoints me. 

Stick around to find out more about my experiences while doing all this.

Founder

The President of the French Republic, H.E. Emmanuel Macron, was on Figuring Out. 

It was an honour to host him.

But beyond the honour, we see this as a responsibility. 

Because when someone like President Macron chooses to have a conversation with us, it becomes an opportunity to talk about India on a global stage. 

What we're getting right. 
Where we're struggling. 
What the world needs to understand about us.

"The question is no longer whether India innovates. The question is who will innovate with India."

That's what the French President had to say about India. 

The world's posture towards India has changed. 
We're not the market they want to sell to anymore. 
We're the partner they want to build with.

We talked about UPI, Aadhaar, and the way India leapfrogged legacy systems that other countries are still stuck with.

President Macron was surprisingly honest about where France went wrong. 

A country that invented cinema, photography, and the hot air balloon and yet today, the largest tech companies in the world are either American or Chinese. 

He admitted it openly. He said Europe's problem wasn't ideas, it was scale, capital, and appetite for risk. Three things. All three missing.

And then we talked about leadership. About respect. About what happens when private conversations between presidents end up on social media. 

These are the kind of conversations we always hoped this platform could have. 

And thanks to all of you who watch us, your belief in what we're building, your support, Figuring Out is able to host such guests. 

Full episode out now. Link in the comments. 

#rajshamani #figuringout

Founder & Host @ Figuring Out | Building Cüraa by YFL Home | Bestselling Author, Build Don’t Talk

Do you rely on your mood to be productive at work?

Tell me in the comments!

#rajshamani #figuringout

About 10 years ago, I went outside the country for the first time. 

And like all Indian mothers, my mom was like, I’m packing food, take it. 

I said no, of course. Naive confidence. 
“I’ll get food there. Don’t worry.”

She packed mithi koki in my bag anyway. Without telling me. 
(koki is a sindhi sweet flatbread)

I was in Vienna, a small town in Austria in Europe.  And as an Indian vegetarian, I could not find any vegetarian restaurant that would match my budget. 

For 2 days, I struggled a lot with food.  And I called my mom and started ranting about it.

My mom just said check that bag. 
It’s an understatement to say I was on cloud nine. 

Since then, every time I’ve stepped out of the country, koki has come with me. A piece of home that travels with me.

We have reached the point where my mom makes gluten-free, protein-rich koki now. 

I’ve been travelling for work for the past month. Still not done.

I was eating koki today in yet another hotel room, and I realised how moms just know things.  

She knows what you’ll need before you even know you’re going to need it. And somehow, even after all these years, she keeps being right.

#rajshamani #figuringout

Do you think that people choose comfort above everything else?

Share your thoughts in the comments!

#rajshamani #figuringout

Do you treat your goals with urgency?

Tell me in the comments!

#rajshamani #figuringout

Do you think people are afraid of failure because they lack self-confidence?

Share your thoughts in the comments!

#rajshamani #figuringout

Do you think doing too many things kills focus?

Tell me your thoughts in the comments!

#rajshamani #figuringout

Do you think multitasking kills focus?

Share your thoughts in the comments!

#rajshamani #figuringout

Only 6% of GenZ want to become leaders.

"They want everything, but they don't want to work for anything."

That's what majority of leaders believe in.

And I believe it is absolutely wrong, not just wrong. It's current leadership’s problem.

Old leaders don’t understand our generation and the model they built is failing.


Wrote about it in detail on Substack. 
Here's the link: https://bit.ly/4quXp0i 

#rajshamani #figuringout

Do you feel people waste a lot of time waiting to "feel ready"?

Share your thoughts in the comments!

#rajshamani #figuringout

Your thoughts can make you sick. And your thoughts can make you better.

There's actual science behind it, how chronic stress rewires your brain, how fear keeps your body in a state that breaks it down over time, how the same mind that creates anxiety can be trained to create healing.

The man who's spent years studying this is Dr Joe Dispenza.

He's collected brain scans, heart data, and case studies from thousands of people who've attended his retreats. 

The stories that come out of his work sound almost unbelievable, people getting cured of conditions that had been stuck for years. 

Whether you're sceptical or convinced, the sheer volume of what he's collected over three decades is hard to ignore.

I've always been interested in understanding how the mind works. How can someone train their brain? How do the ultra achievers think?

And Dr Joe has spent his life answering these questions. So having him on Figuring Out felt personal. 

We talked for over three hours about how to deal with negative thoughts, why most people fail to change, why meditation works the same way psychedelics do, transformation stories that are genuinely hard to believe, and how the top performers in the world train their minds.

Full episode out now. Link in comments.

#rajshamani #figuringout

Do you think you might be addicted to your phone?

Tell me in the comments!

#rajshamani #figuringout

India is the diabetes capital of the world.

And most people who are heading there don’t even know it yet.

Because it doesn’t start with sugar.

It starts with insulin resistance.

A silent metabolic breakdown where your body slowly stops responding to insulin properly long before diabetes ever shows up on a report.

In this episode, Karan Sarin, author of Sick Nation, explains why India is facing a metabolic epidemic.

He breaks down:

– Why BMI is a useless marker
– Why “thin” people can still be fat inside 
– Why Indians store fat faster than others
– Why PCOS is often metabolic, not just hormonal
– How erectile dysfunction can be an early warning sign
– And why dementia might be the next big crisis linked to insulin resistance

He also talks about how your body doesn’t actually need carbohydrates.

But our entire diet is built on them.

And once metabolism is damaged, even fruit isn’t automatically “healthy.”

Link to the full conversation is in the comments.

#rajshamani #figuringout

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President Awardee| Investment Analyst| IIT Patna| 30 M+ Views| Open for Guest Sessions & Collaborations | Past Collaborators: IIT Kgp, Inc42, Fire-Boltt etc

📌 Summary --

- Extremely passionate about finance & startups - Open to job opportunities (Founder's/ CEO's office, VC Investing)

- Hobbies: Reading non-fiction books, watching documentaries, and embracing spirituality.

- Values: Gratefulness, happiness, and Integrity.

📌 Detailed version --

▪️ Awarded by honorable, the President of India for becoming National Champion in National Elections Quiz Competition amongst 13.5 Lakh+ students in 2018.

▪️ Studied at IIT Patna during 2019-2023 in EEE branch (Branch Rank 3).

▪️ CFA Level 3 Candidate currently.

▪️ Invited as a guest speaker by renowned institutions like IIT Kharagpur, Hansraj college, KMC, NMIMS & DPS Bangalore.

▪️ Did Investment & Product Internships at Mumbai Angels Network, Infinyte Club & BeepKart.

▪️ Have deep stock market experience (fundamental + technical) from 2020 onwards.

▪️ Won various awards at National Case Competitions & in Inter IIT Tech Meet.

Madhur Jain

🇮🇳 Decoding Indian Budget 2026: Is this the budget that defines the decade? 

The numbers signal a massive pivot from populism to prudence.

5 critical decisions shifting the economic massively:

1. The War on Speculation (STT Hike) 📉

Decision: STT on F&O raised significantly. Futures to 0.05%, Options to 0.15%.  

Impact: Immediate hit to high-frequency traders.

Long Game: Pushes retail capital from short-term gambling toward long-term asset creation.

2. The Capex Juggernaut Continues 🏗️

Decision: Public Capex target set at a massive ₹12.2 Lakh Crore.  

Impact: Order books swell for infra majors (L&T, Siemens).

Long Game: Structural reduction in logistics costs, making Indian exports globally competitive.

3. Fiscal Discipline: The "4.3%" Magic Number 📊

Decision: Fiscal Deficit targeted at 4.3% (FY27) with a Debt-to-GDP goal of 50% by 2030.  

Impact: Bond yields cool down; corporate borrowing gets cheaper.

Long Game: Signals massive macro-stability to foreign investors. Sovereign rating upgrade?

4. MSME Lifeline: Solving the Cash Crunch 🏭

Decision: TReDS platform mandated for all CPSE procurements + new ₹10,000 Cr SME Growth Fund.  

Impact: Faster realization of receivables.

Long Game: MSMEs shift from "survival mode" to "scale-up mode."

5. Middle Class Relief (Travel & Education) ✈️

Decision: TCS on overseas tour packages & education remittances slashed to a flat 2%.  

Impact: Immediate cash-flow relief for families and students.

Long Game: Eases the "tax on aspiration" for the global Indian.

🧠 The Unconventional Insight: The "Buyback" Arbitrage is Dead

Shift: Share buybacks are now taxed as Capital Gains in the hands of shareholders.  

Result: The tax advantage over dividends is gone. Expect corporates to pivot back to high-dividend payouts.

The Verdict:

This isn't a "Robin Hood" budget; it's a "Builder's Budget." It rewards patience (Capex, Manufacturing) and penalizes speculation.

Which move impacts you most? The TCS relief or the STT hike? 👇

***

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President Awardee| Sharing Startups & Finance Insights| IIT Patna| CFA L3 Candidate| Guest Session at IITM, IIT Kgp, Hansraj, NMIMS & more

🚨 The Silver Tsunami: Why the "Poor Man’s Gold" is Suddenly Priceless

Silver prices show massive volatility in 2026, shattering records and confusing experts. 

It recently reached $120/oz globally and ₹4 Lakh+/kg in India before seeing a sharp correction of 30%+.

Here is the "Why" and "What Next" decoded simply👇

🚀 1. The "Perfect Storm" for Price Rise

 🤖 The AI Factor (New Driver): AI isn't just code; it’s hardware. AI data centers and servers are massive silver guzzlers for cooling and conductivity. Silver is the best conductor of electricity on Earth, and AI needs speed.

 ☀️ Solar 2.0: The world is shifting to "N-type" solar cells, which are more efficient but use significantly more silver than older panels. Solar demand alone consumes ~200 million ounces/year.

 📉 The 5-Year Deficit: For the 5th year in a row, the world consumed more silver than it mined. We are literally eating into above-ground stockpiles.

🤯 2. The Unconventional Reasons (What most miss)

 🇨🇳 China’s "Export Choke": China (a major processor) has restricted silver exports, treating it less like a commodity and more like a "Critical Mineral" for its own tech dominance.

 🔄 The "Substitution" Trap: Silver got so expensive that solar giants like LONGi are now urgently trying to replace silver with copper. If prices stay too high, the industry might engineer silver out of the future, leading to a long-term demand crash.

 📱 The "FOMO" Stackers: A massive retail wave of young investors (Gen Z) has started "stacking" silver bars as a hobby/savings account, creating a shortage of physical bars even when paper markets are stable.

🔮 3. Future Implications: Bubble or New Normal?

Short Term: Expect extreme volatility. As we saw this week (Budget 2026 jitter), prices can crash 6-7% in a single day due to profit booking.

The "De-Dollarization" Effect: As central banks buy Gold to move away from the Dollar, Silver rides the wave as a cheaper alternative for the public.

Expectations of US Federal Reserve rate cuts are pushing money into non-yielding assets like silver.

The Verdict: The easy money has been made. We are likely in a "Super Cycle," but buying at all-time highs is risky. Watch for the Gold-to-Silver Ratio—if it drops below 50:1, Silver is officially "expensive".

💡 Smart Takeaway: Silver is no longer just a precious metal; it is a Tech Metal. 

Its price is now tied to the health of the Global Economy (AI/Green Tech) rather than just jewelry demand.

***

Do comment below 👇 if you are bullish/ bearish on silver & have you trade it recently.

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🇮🇳🤝🇪🇺 Summary & Impact Analysis of India-EU Trade Deal: The "Mother of All Deals" 

After 18 years of on-and-off talks, India and the European Union finally sealed a historic Free Trade Agreement (FTA) in *January 2026*.

This isn't just a trade deal; it’s a massive economic shift covering *2 billion people*.

*The Big Numbers (Data)*

• *96.6%:* Percentage of EU goods that will now enter India with *zero or reduced tariffs*.

• *€4 Billion:* Annual duty savings for European exporters.

• *Double Trade:* Bilateral trade is expected to *2x by 2032*.

• *FY 2027:* Expected implementation starts (after parliaments ratify it).

---

*1. What Gets Cheaper? (Consumer Impact)*

• *Wine & Spirits:* Import duties slashed!

   - *Wine:* From *150% → 75%* immediately, dropping to *20%* over time.
   - *Scotch/Whisky:* Tariffs down to *40%* (from 150%).
• *Luxury Cars:* Import duty cut from *110% → 10%*.

   - *Catch:* This applies only to a quota of 250,000 cars/year and focuses on premium models to protect mass-market Indian cars (Maruti/Tata).

• *Food:* 0% duty on European chocolates, biscuits, pasta, and olive oil.

---

*2. Short-Term Impact (Winners & Losers)*

• *The Big Winner: Textiles & Apparel*

   - *Fact:* Indian textiles currently face ~9-12% duty in the EU. This goes to *0%* immediately.

   - *Impact:* Massive boost for Indian exporters (like KPR Mill, Gokaldas) to compete against Bangladesh/Vietnam.

• *The "Caution" Zone: Auto Sector*

   - *Fact:* European carmakers get easier access.

   - *Impact:* Indian auto stocks (like M&M) might see short-term dips due to fear of competition in the premium SUV segment.

• *IT & Services:*

   - *Fact:* Preferential access for Indian professionals in EU financial and maritime sectors.

---

*3. Long-Term Impact (The Big Picture)*

• *Geopolitics (China+1):* This is a strategic move to reduce dependence on China. India becomes the factory for Europe’s "friend-shoring" needs.

• *Green Tech Transfer:* Includes a *Green Hydrogen Task Force*. India gets access to European clean tech to meet its Net Zero goals.

• *Visa & Mobility:* A new "Mobility Pact" will make it easier for Indian skilled workers and students to work/study in Europe (reducing the visa headache!).

---

Unconventional Insight: The "Carbon Tax" Shield:

A major hurdle was Europe's *CBAM* (Carbon Border Tax). In this deal, India secured a "special assurance"—if the EU gives carbon tax exemptions to *any* other country, India gets them too. This protects our steel and cement exports from being unfairly taxed.

***

Do comment below 👇 the impact of this deal in global geopolitics.

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