We are in an era defined by 'hard' challenges. These include the 60-day, 75-day, and 90-day hard challenges. However, it is important to consider whether these challenges create lasting change. In this episode, Ashdin Doctor and Paridhi Doshi discuss why most 'hard' challenges fail and explain how these ideas can be adapted to build sustainable financial habits.

In this conversation, we explore:
Why challenges work, and where they break down.
The difference between discipline and punishment
What a 75-day financial challenge could actually look like
How small habit changes rewire spending behaviour
Why subscriptions are “reverse SIPs.”
How gratitude can change your relationship with money
Why flexibility matters more than perfection
This episode offers practical strategies like reducing dining out, saving with public transport, starting SIPs, and freezing credit cards to help you improve money habits without feeling overwhelmed. Whether you are starting your financial journey or want to address unconscious spending, this episode will help you create a system that supports your lifestyle.

The Compounding Mindset - A podcast by Axis Mutual Fund. Because good habits and good investments grow the same way- consistently, patiently, powerfully.
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