NGPF Podcast: Kartik Adimulam and Gautam Rajan are high schoolers on a mission to develop fiscally responsible individuals

Jun 12, 2020

Kartik and Gautam's non-profit, Financing the Future, has a powerful mission: To foster a community of self-reliant, independent, fiscally responsible individuals. In the podcast, Kartik and Gautam share how they learned about personal finance (including their favorite books), their entrepreneurial journey, and why they believe that ALL students should learn finance in high school. Inspiring stuff! 


  • 0:00~1:04 Introduction
  • 1:04~3:03 The two students’ backgrounds
  • 3:03~4:21 How remote learning has been 
  • 4:21~6:27 Source of passion for personal finance
  • 6:27~7:08 Thoughts on index funds
  • 7:08~8:18 What is an ETF?
  • 8:18~9:53 Starting an organization
  • 9:53~10:34 Becoming friends
  • 10:34~12:50 Recommended books
  • 12:50~15:54 What a club meeting is like
  • 15:54~16:12 A word from NGPF
  • 16:12~17:57 What students are interested in
  • 17:57~22:39 Teaching at elementary schools
  • 22:39~25:40 Using NGPF
  • 25:40~28:28 Memories of success 
  • 28:28~30:33 Why personal finance should be taught 
  • 30:33~32:01 Conclusion



  • “We just need to ingrain the idea to children that money is not something that your parents argue about or something that’s a burden or something that’s always going to be there in a form of a loan or something that’s going to hold you back.” -Kartik

  • “I feel like we can change the next generation of learners and educators themselves will be able to say ‘yes, I played a part in that’ because as I mentioned before, there isn’t much financial teaching in high school.” - Gautam


About the Authors

Tim Ranzetta

Tim's saving habits started at seven when a neighbor with a broken hip gave him a dog walking job. Her recovery, which took almost a year, resulted in Tim getting to know the bank tellers quite well (and accumulating a savings account balance of over $300!). His recent entrepreneurial adventures have included driving a shredding truck, analyzing executive compensation packages for Fortune 500 companies and helping families make better college financing decisions. After volunteering in 2010 to create and teach a personal finance program at Eastside College Prep in East Palo Alto, Tim saw firsthand the impact of an engaging and activity-based curriculum, which inspired him to start a new non-profit, Next Gen Personal Finance.

Ren Makino

Ren has been working part-time at NGPF since 2014, interning through high school and college. With his knowledge growing alongside NGPF, after graduating from college in 2020, he joined the team to work full time with a focus on teacher onboarding. He is also the editor of the NGPF podcast and makes sure it is accessible to teachers on iTunes, Stitcher, and Google Play Music. During his free time, he likes to try out coffees from different roasters across the world and try out new brewing methods, even though personal finance gurus tend to caution against buying a cup of joe.