This week, Monika delves into the best way of utilising your raise. She discusses the importance of understanding inflation-adjusted raises, evaluating your performance relative to company averages, and considering strategic job changes for better compensation. Tune in for practical advice on how to respond to your raise and make informed decisions about your career and financial future. Monika also answers your questions about the pros and cons of purchasing medical insurance for retirement if in a government job, the optimal duration for your loans, whether NRIs should consider debt funds despite recent tax changes, and the reliability of new fund offers. Chapters: (00:31 - 05:33) Fully Utilising Your Raise  (05:47 - 08:38) Pros and Cons of Medical Insurance (08:41 - 09:51) Length of Your EMIs (09:53 - 12:10) Debt Funds as an NRI (12:12 - 13:36) Should You Invest in NFOs? If you have financial questions that you’d like answers for, please email us at [email protected]  MOSPI Website for inflation numbers https://cpi.mospi.gov.in/Default1.aspx Monika’s book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika’s book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta