Have you ever attended a conversation about finance where someone is throwing around words like “arbitrage,” “derivatives,” or “yield-to-maturity” with such ease that it feels like they’re auditioning for a TED Talk? Sure, they sound smart, but if everyone listening is either confused or bored, what’s the point?
Finance, like medicine, is as complicated as you make it. You can either break it down to actionable steps that empower people, or you can wrap it in layers of complexity to appear intelligent. The latter might impress some, but it doesn’t help anyone.
Let’s explore why simplicity in finance matters and why complicating it to look smart is counterproductive—especially for medicos who need practical solutions, not intellectual gymnastics.
Why Do People Complicate Finance?
There are three main reasons why finance is often presented in a way that feels unnecessarily convoluted:
- To Appear Knowledgeable
Some people believe that using jargon and intricate concepts makes them look more intelligent. Terms like “Monte Carlo simulations” and “quantitative easing” are casually dropped into conversations to elevate their perceived expertise. - To Create Dependency
Complexity can create reliance. When you don’t understand the intricacies, you’re more likely to pay someone else (a consultant, a fund manager, or even a random YouTuber) to handle it for you. - Because It Can Be Complex
Let’s be fair—finance does have layers of complexity. But often, these layers are irrelevant for most people managing personal finances. You don’t need to understand options pricing or forex arbitrage to build wealth.
The irony? Complicating finance might make the explainer look smart, but it alienates the very people who need help the most.
Simplicity Wins: Finance Doesn’t Have to Be a Mystery
Doctors understand complexity better than most. You’ve spent years studying intricate systems like the human body, memorizing the Krebs cycle, and decoding pharmacokinetics. But even in medicine, the best outcomes often come from applying simple, actionable principles.
The same is true for finance. Here’s why simplicity works:
- It’s Relatable
Simple explanations connect with people. Instead of intimidating your audience, they empower them.
For example:- Compounding isn’t rocket science—it’s just money growing on money over time.
- A budget is like triaging your income to prioritize what matters most.
- It’s Actionable
Complexity freezes people into inaction. Simplicity encourages them to start.- A fancy financial strategy that requires 10 spreadsheets and advanced modeling won’t get implemented.
- A simple plan like “Save 20% of your income, invest in a mutual fund, and build an emergency fund” will.
It Builds Confidence
Understanding finance gives you control. When things are presented clearly, you feel equipped to handle them on your own.
How Finance Is Simplified in Foramen of Finance
At Foramen of Finance, we believe that financial literacy should be accessible to everyone—especially medicos who already juggle so much complexity in their professional lives.
Here’s how we strip away the unnecessary complications:
- Relatable Analogies
- Budgeting is like a doctor managing resources in a busy ER.
- Compounding is like a course of antibiotics—consistent doses over time yield better results.
- Clear, Actionable Steps
We don’t drown you in jargon. Instead, we give you step-by-step guides to:- Set up an emergency fund.
- Start investing through SIPs.
- Pay off your education loans faster.
- No Judgments, No Elitism
Whether you’re new to finance or already familiar with the basics, our book meets you where you are and helps you move forward.
Complication vs. Clarity: What Medicos Really Need
Doctors don’t need a lecture on the finer points of credit default swaps. What they need are practical solutions to everyday problems:
- How do I save for a house while repaying my loans?
- Which insurance policy actually makes sense for me?
- How do I grow my wealth without spending hours learning about the stock market?
Complicated explanations don’t answer these questions. Simple ones do.
Why Complicating Finance is Detrimental
Let’s go deeper into why making finance unnecessarily complicated doesn’t help:
- It Discourages People from Starting
The more intimidating finance seems, the more people avoid it altogether. They assume, “If it’s this complex, I’ll never understand it.” - It Creates Financial Anxiety
Overcomplication feeds fear. People feel like they’re one mistake away from disaster, which prevents them from taking calculated risks like investing. - It Wastes Time
Medicos already have limited time. Complicated financial strategies eat into the hours they could spend working, resting, or spending time with family.
A Simple Truth: You Don’t Have to Be a Genius to Build Wealth
Here’s the secret most finance books won’t tell you: You don’t have to master advanced financial theories to be financially independent.
In fact, here’s what works for 99% of people:
- Spend less than you earn.
- Save and invest consistently.
- Avoid unnecessary debt.
- Start as early as possible to benefit from compounding.
It’s not flashy, but it’s effective.
Closing Thought: Don’t Complicate It—Start Simplifying It
At the end of the day, finance isn’t about looking smart. It’s about achieving freedom, security, and the ability to live life on your terms. The smartest financial advice isn’t the one that impresses you—it’s the one that you can actually use.
With Foramen of Finance, we’ve done the heavy lifting of simplifying finance for medicos. We’ve stripped away the jargon, broken down the concepts, and focused on what truly matters: empowering you to take control of your financial journey.
Because when it comes to your money, clarity beats complexity every single time.
So, why not start simplifying today?
