Do Less, Last Longer
Less Is More in Money, Risk and Markets
By Deb Kumar Ghosal · 187 pages · PDF, 7 x 10 in, with bookmarks · First edition, September 2026
A practical, honest guide to money that lasts: why liquidity and survival come before returns, how to size risk, why being right is not the same as being paid, and how to do less on purpose. Educational, not advice.
- Emergency fund
- Risk
- Money habits
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What is inside
- Why liquidity buys time, shown with two investors, one shock and the same market
- How to size an emergency fund for your own life, salaried, self-employed or running a shop
- The arithmetic of drawdowns: why a 50% loss needs a 100% gain
- Eleven behavioural biases in plain language, each with a rule to work around it
- Five fictional case studies and six real case files with sources
Chapters
- Protect the Ability to Participate
- Liquidity Buys Time
- The Emergency Fund: A Shock Absorber
- The Arithmetic of Drawdowns
- Leverage: The Amplifier
- Expectancy: The Maths of Small Wins and Small Losses
- Eleven Biases in Plain Language
- Less Is More in Investing
- The Courage to Do Nothing
- Your Personal Financial Operating System
Who it is for
- Salaried professionals, business owners and shopkeepers who want a financial life that survives a bad year
- New investors who feel they must do something with their money all the time
How it works
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About the author
Deb Kumar Ghosal
Writes about money, risk and living well, and the people behind both. Also writes short stories and novels on this site as Mr. Deb. Read the stories
Questions
Is this financial advice?
No. It is an educational book. It explains ideas about liquidity, risk and behaviour and does not recommend any security or product. Investing involves risk of loss; for decisions about your own situation, speak to a qualified, registered professional.
What format is it, and how do I receive it?
A PDF that opens on any phone, tablet or computer. As soon as your payment is confirmed you can download it from the page, and we email you a link to the download page. Each purchase includes one download, so please save the file where you can find it.
Can I share it with a friend?
Please don't. Your licence is personal, and every copy you download carries your name in its footer.
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