The Way I Think About Finance
Most people are losing money they never had to lose and missing money that was theirs all along. I write to help everyday people find it, keep more of it, and make their next financial move with confidence
About The Author
Samder Khangarot is the CEO and co-founder of Bon Credit, a free AI financial assistant that helps people find money they're missing, pay off debt, and build credit. He writes about personal finance, consumer credit, and how artificial intelligence is changing the way everyday people manage their money.
A Stanford Graduate School of Business alum, Samder is focused on making money-finding technology free, secure, and accessible to everyone not just those who can already afford financial advice.
Previous experience
- Growspace Crypto (Co-founder & CEO)
- Absolute Foods (Co-founder & CBO)
- Bharitya International Ltd. (Chief of Staff)
Blogs By Author
Why Is Zero-Based Budgeting the Best Method of Budgeting?
Samder Khangarot
6 MIN READ
How Do You Create an Emergency Fund From Zero?
Samder Khangarot
9 MIN READ
How to Create an Emergency Fund: A Step-by-Step Plan for 2026
Samder Khangarot
8 MIN READ
Fixed Expenses vs. Variable Expenses: What's the Difference?
Samder Khangarot
6 MIN READ
AI Budget Planner: How It Works, What It Costs, and How to Pick One in 2026
Samder Khangarot
7 MIN READ
Best Monthly Budget Planner for 2026: Free Templates, Apps, and What Actually Works
Samder Khangarot
6 MIN READ
What Are the 4 Steps of the Budgeting Process, and Why Do Most People Skip Step 4?
Samder Khangarot
7 MIN READ
Does Closing a Credit Card Hurt Your Score? True or False
Samder Khangarot
8 MIN READ
The Best Order to Use Balance Transfers, Loans, and Negotiation
Samder Khangarot
9 MIN READ