Jiten Modi

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Jiten Modi is an Indian personal finance strategist, author, and financial educator known for helping professionals and families design stress-free financial lives. His work focuses on creating repeatable, rules-based money systems that prioritize financial security, time freedom, and long-term well-being over product-driven selling.

He is the author of multiple books on personal finance and runs coaching programs centered on money management, financial freedom, and stress-free financial decision-making.

Early Life and Family Background

Jiten Modi was born on 15 June 1982 in Surat, Gujarat, India, and grew up in a lower-middle-class household. His father worked as a driver, while his mother managed the household and supplemented family income through paid chores. Financial constraints during childhood shaped his early understanding of money, responsibility, and priorities.

He was widely regarded as a bright student in his village, with strong academic performance and high expectations from teachers and community members. Alongside academics, cricket played a significant role in his upbringing and influenced his discipline, preparation, and strategic thinking.

He is married to a government school teacher and is the father of two children, a son aged 10 and a daughter aged 5. He maintains close and respectful relationships with his family, emphasizing shared values, open communication, and presence.

Education

Jiten Modi completed his undergraduate studies in business administration and later pursued an MBA in management, which he did not complete. His academic foundation, combined with continuous self-directed learning, laid the groundwork for his professional journey in finance and advisory services.

Career

Jiten Modi began his professional career in sales and financial services, initially working as a credit card sales executive. He later transitioned into life insurance during a period of rapid industry growth.

In 2013, he resigned from a high-paying role after conflicts arose between profit-driven sales practices and client interests. This decision marked a turning point in his career and reinforced his commitment to client-first financial guidance. He subsequently moved into general insurance at a significantly reduced compensation level and rebuilt his financial stability through disciplined planning and learning.

He became an AMFI-registered mutual fund distributor and invested heavily in self-education through books, courses, and industry research. In October 2021, he formally set a goal of achieving financial freedom, refining and testing financial systems based on practical outcomes. He achieved this milestone in October 2024.

Currently, his work focuses on helping mid-career professionals simplify financial decisions through structured routines that reduce stress, improve cash flow, and increase personal time.

Books and Publications

Jiten Modi is the author of three books on personal finance, including The 4 Pillars of Designing Stress-free Financial Life, which became an Amazon best-selling title.

A list of his books is available through Amazon: https://jitenmodi.online/amazon-jiten

Coaching and Programs

He runs coaching programs focused on money management, financial freedom, and stress-free financial living. These programs emphasize ethical guidance, clarity over complexity, and long-term behavioral change rather than short-term gains.

Program details are available at: https://thejitenmodi.com

Philosophy and Values

Jiten Modi’s work is guided by three core values: freedom, family, and security. He advocates owning one’s time, prioritizing meaningful relationships, and building strong financial foundations through clean insurance, sensible buffers, and low debt.

His approach emphasizes calm decision-making, alignment between intention and action, and focusing on controllable factors.

Interests and Hobbies

His interests include cricket, reading, music, and continuous learning. He is an avid reader of books on personal finance, investing, psychology, habits, marketing, and decision-making. Music serves as a focus tool for deep work, with a particular appreciation for classic Bollywood music and the works of A. R. Rahman.

Personal Outlook

Jiten Modi describes happiness as presence, simplicity, and unhurried time with family. His long-term vision is to create financial routines and frameworks that continue helping families choose freedom over stress, even beyond his lifetime.

Online Presence

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