Joint finances, joint risks: A couple’s roadmap to starting up

Vineet Agrawal, co-founder of Jiraaf, a platform that seeks to make fixed-income investment opportunities more accessible to individual investors, and Sikha Agrawalla, the co-founder of People Fraction, an HR consulting firm, didn’t romanticise the startup leap. They treated entrepreneurship as a family project: monthly budget reviews, a two-year expense corpus, and joint decisions with parents and each other. In this ETMarkets Spotlight, the couple unpacked how disciplined financial planning and shared risk enabled them to move from predictable paychecks to building two businesses, without betting their family’s security.