Debt is more than a number—it’s a magnetic emotional knot. When you borrow money, guilt, anxiety and karmic echoes can cling to those loans, creating loops that trap you in money anxiety. This article reframes debt as energetic and karmic entanglement, offering tools to heal emotional debt trauma and stop attracting new cycles.
What is debt as energy entanglement?
Debt isn't always about numbers. It is about knots. Energetic ones. Ties you can’t see but definitely feel. Ever noticed how thinking about a loan—even one you have repaid—can tighten your chest, speed up your breath, or make you dread opening emails? That’s not interest. That is energy. And it is entangled.
When we borrow money, we create an invisible cord between ourselves and the lender—not just financially, but emotionally and spiritually. That cord carries feelings: pressure, hope, guilt, anxiety. It stays active until it’s consciously released. This is what I call debt as energetic entanglement.
In Vedic traditions, debts are referred to as “rin”—karmic obligations carried over lifetimes. Some are financial. Others are emotional. If left unpaid (energetically or materially), they fester and become loops. These loops repeat: more borrowing, more rescuing, more giving beyond your means. It is a cycle, and it doesn’t break just by writing a cheque.
Think of every debt you have ever had as a psychic thread wrapped around your field. Some are thick and pulsing (like loans from emotionally manipulative figures), while others are thin but lingering—like forgotten favours or “you owe me” friendships. These threads pull at you. They drain your attention. They bind your capacity to move freely in life.
Here’s the catch: even after repayment, many people still feel “energetically indebted” if the emotional residue isn’t cleared. The shame, the guilt, the memory of desperation—it all loops. You think you’ve paid, but you’re still paying emotionally.
You’re not just managing money—you’re managing memory. Emotion. Karma.
And until you acknowledge debt as an energetic contract, it will continue to entangle your choices, your relationships, and your wealth potential.
How do unpaid loans affect your aura?
Your aura—the electromagnetic field around your body—is not just spiritual fluff. It transmits how you feel, what you’re attracting, and how you’re perceived. When you carry the weight of unpaid loans—whether financial or emotional—it shows up everywhere.
Imagine your aura like a clear bubble. Now picture sticky post-it notes of guilt, fear, obligation, and shame stuck to it. These aren’t imaginary. They are energetic residues. And unpaid loans (especially ones laced with anxiety or coercion) stain the aura, distorting your frequency.
You may notice it through physical symptoms—tight shoulders, headaches, insomnia. Or through patterns—opportunities slipping away, receiving less, avoiding eye contact when money comes up. These are all signs of an aura burdened by unresolved debt energy.
Science backs this up. A 2023 Cambridge study revealed that financial stress causes persistent sympathetic nervous system activation—meaning your body literally stays in “fight or flight” mode. Over time, this alters your neurochemistry, limiting your sense of worth and emotional resilience. When your nervous system is hijacked by debt, your aura dims. You stop magnetising abundance.
And it gets deeper.
Some people develop what I call auric debt fatigue—where the mere act of thinking about money creates panic, avoidance or burnout. This isn’t just psychological. It’s electromagnetic. Your aura, once radiant, becomes foggy and repellent—not to punish you, but to signal imbalance.
How to start clearing your aura of loan residue:
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Burn camphor in the southeast (fire zone) of your home every Tuesday.
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Sleep with a black tourmaline under your pillow to absorb debt-related anxiety.
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Visualise cords from your solar plexus (centre of personal power) dissolving as you forgive and release.
You’re not just in debt. You’re energetically enmeshed.
And until your aura is cleansed, no amount of financial strategy will bring you peace.
Financial stress isn't just psychological. It leaks into your auric field, altering how the world perceives and responds to you. A heavy debt aura can block intuitive decisions and attract further scarcity. These energetic patterns, often inherited, keep repeating until consciously cleared.
✨ Want to explore how these invisible loops begin? Check out this timeless reflection: The Torturous Tag – A soul reflection on inherited emotional contracts
Why do guilt, shame, and the fear of asking for money haunt us?
Let’s be honest: money talk makes most people uncomfortable. Not because of the maths—but because of the meaning we attach to it. Guilt, shame, pride, fear—they form a tight emotional cocoon around every financial conversation.
Especially asking.
From childhood, many of us were conditioned to believe that asking for help—especially financial help—meant failure. Maybe your parents whispered about “never taking loans” or how “only irresponsible people borrow.” Maybe you saw someone in your family shamed for needing support. That emotional coding lingers.
This is why, as adults, even when we need help, we hesitate. Our ego says, “You should have figured it out by now.” Shame whispers, “You’re a burden.” Guilt screams, “You’re disappointing everyone.” And so we don’t ask. Or we ask, but with so much self-judgment that the energy is already contracted.
This creates what I call the shame-loop of receiving. You avoid asking → you suffer silently → you finally ask in desperation → you feel guilty → you sabotage repayment or distance the person → you swear to never ask again.
It's not just about the loan. It's about the internalised belief that you're not worthy of receiving with ease.
But here’s a hard truth: refusing to ask for help when it’s needed is also a kind of debt. You're emotionally overleveraging yourself. You're draining your energy reserves, hoping no one notices the overdraft.
Healing begins with compassionate awareness:
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Identify your money shame stories: “Who first made me feel bad about asking?”
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Practise “safe asking”—start small, ask for emotional support, not just financial.
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Say “thank you” instead of “sorry” when receiving. Gratitude raises your receiving vibration.
You are not weak for needing support. You’re human.
And the more you release shame, the more you attract clean, supportive energy—money included.
4. What Is the Karma of Overgiving—Emotional Debt vs Financial Debt?
You don’t need to be in debt to feel drained. Sometimes, you’re paying in silence, in service, in smiles that mask fatigue. Overgiving is the quietest form of debt—because society applauds it. But karmically? It binds.
When you give from emptiness—hoping to be loved, accepted, or owed back—you create emotional debt contracts. These are invisible agreements that say: “Because I gave so much, you owe me.” And when they’re not fulfilled, resentment builds. Not just in your mind—but in your field.
Financial debt is tangible. Emotional debt? It’s subtle. It whispers. It loops.
You may keep attracting relationships where you give more than you get. Or jobs where your labour is undervalued. Or friendships where you’re the therapist, the driver, the rescuer.
Karmically, this isn’t random. It is a feedback loop urging you to balance your giving frequency.
In Vedic texts, even the act of charity must be done without expectation (nishkama karma). Giving from attachment creates energetic hooks. It keeps you tethered to outcome, to people, to pain.
Ask yourself:
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“Where have I overgiven without clarity or consent?”
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“What relationships feel like emotional EMIs?”
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“What guilt do I carry for saying no?”
Healing emotional debt requires boundaries:
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Give only when it’s from overflow, not obligation.
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Pause before saying yes. Ask: “Do I want to, or do I feel I should?”
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Forgive yourself for overextending. Compassion cuts karmic ties.
Overgiving doesn’t make you noble. Conscious giving does.
Release the need to be needed. Choose to give cleanly—and receive joyfully.
Only then does your karma shift.
When you give without alignment, you create emotional credit lines that never close. This isn't generosity—it's energetic leakage. And it’s deeply tied to karmic inheritance.
🔄 For those constantly stuck in overgiving loops, you might relate to this powerful guide: Struggling with money? These simple mindset rituals may change your energy.
How can you strategically repay energetic debt?
Let’s flip the script. Instead of fearing debt, let’s make it sacred. Strategic repayment isn’t about punishment—it’s about purification.
Energetic debts—those lingering cords from past obligations, betrayals, loans, or emotional imbalances—can be consciously repaid using a mix of intention, ritual, and boundary-setting.
Step 2: Create a repayment ritual.
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Write the name of the person or institution on a piece of paper.
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Place it under a candle with salt around it (clearing energy).
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Speak this aloud: “With love, I repay and release this contract. I choose freedom.”
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Donate to a cause that symbolises the person.
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Do a random act of service with intention: “This is in honour of unfinished karma.”
Financial therapists say this kind of conscious debt closure creates neurological shifts. When you feel complete, your subconscious stops seeking repetition.
So whether it's an overdue apology, a lingering invoice, or a lifetime of emotional overgiving, know this:
This is energetic wealth.
Can vastu really clear financial karmas?
Vastu isn’t just about furniture placement—it’s ancient energetic geometry that affects your inner and outer wealth. Every home radiates a money frequency. If your house has blocked pathways, clutter in the north, or negative energy in the southeast (the fire zone), you may unknowingly be attracting scarcity instead of abundance.
In Vastu Shastra, financial karmas can be lightened or released by making subtle shifts in space. Think of it like acupuncture for your house—realigning meridians of prosperity. I’ve personally seen clients shift from chronic debt to stable cash flow simply by energising the northeast corner of their homes with water elements and removing clutter from their wealth zone.
Here’s how to clear stuck financial energy using Vastu:
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Keep your northeast corner light, clean, and water-energised (symbolising flow).
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Place a green jade plant or money plant in the north to stimulate income energy.
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Never place heavy safes or clutter in the southwest—this suppresses the earth’s support.
You’re not just fixing architecture; you’re clearing karmic cobwebs. That unpaid invoice, that “borrowed” relationship, that gift you gave hoping for love in return—it all lingers in your space. Vastu lets you create conscious portals of forgiveness and flow.
💡Need a personalised space alignment? Book a paid Vastu consult and let's clear your financial karma map together. Book Consultation Now
🌀 And yes, even US homes are affected. A recent insight on rising economic instability reveals that “the US economy may witness recession amid karmic debt and structural imbalances”. The macro reflects the micro—what you fix in your room can ripple into your bank balance.
Why are wealth rituals during the waning moon so powerful?
The waning moon isn’t just a time to release old lovers—it’s when you unhook from debt loops. While full moons are for expansion, waning moons are for energetic shedding—perfect for clearing financial clutter, subconscious lack beliefs, and the ghost of debts past.
I like to light a single black candle on a waning Thursday night and write down every “debt” I want to let go of—not just bank-related, but emotional debts like guilt, people-pleasing, and over-responsibility. I burn the paper under the moonlight and whisper, “I now clear all unaligned obligations from my field.”
Powerful waning moon money ritual:
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On a waning night, gather a black candle, salt, bay leaf, and a coin.
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Write your debt or the name of a lender or toxic giver on the bay leaf.
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Place salt in a bowl to absorb negativity. Light the candle beside it.
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Meditate for 11 minutes. Feel yourself reclaiming scattered energy.
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Burn the bay leaf safely and bury the coin in earth (symbol of grounding repayment).
These rituals work because they signal to your psyche that you are letting go. The moon helps shift your brainwaves into a liminal state—ideal for emotional debt trauma healing. Studies from the University of Arizona show that moon-focused rituals significantly reduce cortisol and increase parasympathetic calm.
Reminder: Rituals are anchors. Anchors for intention, self-permission, and energetic clarity. The more consistently you do them, the deeper your money transformation.
How do soul contracts and repayment shape our rebirth?
What if the person you owe money to today was someone you wronged in a past life? Sounds far-fetched? In karmic psychology, we often carry over soul contracts—unspoken agreements formed over lifetimes. Sometimes you give more than you receive in this life to settle an ancient debt. Other times, you attract financial entanglements as part of soul learning.
Many people unknowingly carry ancestral debt: great-grandparents who lost land, fathers who lived in scarcity, mothers who gave up wealth for relationships. These stories become your script. Unless you rewrite it, you repeat it.
I once worked with a client who kept entering debt cycles—even though she had a six-figure salary. We traced her lineage and discovered generational patterns of unpaid karma linked to dowries and suppressed feminine wealth. Through ritual, inner child work, and space healing, she cleared that soul contract. Today? She’s debt-free and coaching others on generational money healing.
This is the rebirth moment. You’re not here to be a karmic mule. You’re here to complete the lesson, burn the old map, and start a new chapter.
✨ Want a deeper insight into your karmic blueprint? Read Burn the Old Map—a book that bridges karma, resilience, and the courage to walk a new money path.
What story are you Still Telling Yourself about money?
Let me guess.
These aren’t statements. They’re scars. They're echoes from moments when you felt unsafe, unseen, or unsupported. They're the narratives we inherited—sometimes from parents who struggled, sometimes from teachers who mocked, sometimes from society that tied our worth to how much we earned or saved. And over time, these stories solidified into truth—not because they were accurate, but because they were repeated.
That’s the trick of trauma—it doesn’t just haunt you, it scripts you.
I see this in coaching all the time. People who have cleared their debts but still live like they’re broke. People earning six figures but too scared to invest in joy. Because money stories aren’t rational. They’re emotional tattoos. Unconscious beliefs that shape conscious choices.
Is it the guilt of out-earning your parents? The shame of charging for your work? The fear that if you become “too successful,” you’ll be alone?
Once you see it, you can begin to rewrite it:
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“I’m bad with money” becomes “I’m learning to love and manage money mindfully.”
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“I attract debt” becomes “I magnetise clean, clear, joyful exchanges.”
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“I owe” becomes “I choose to give or receive freely—with clarity.”
Your subconscious listens closely. Every belief you repeat becomes a blueprint for your nervous system. Repeat shame, and you wire guilt. Repeat sovereignty, and you rewire for safety, abundance, and peace.
Want to experience a radical shift? Join the 7-Day “Clear financial Karma” series
This isn't just an email program. It’s a vibrational cleanse. Each day offers a short immersive session to clear one energetic knot in your financial field—guided by me, anchored in ancient wisdom, and designed for modern realities.
From aura unhooking and Vastu adjustments to karmic forgiveness scripts and money embodiment exercises, this series is the ultimate energetic reboot.
📣 Want in? DM me @TusharMangl or visit tusharmangl.com to begin your 7-day clearing.
Where in your life are you still repaying debts you never owed?
Some of the “debts” we carry didn’t begin with us. Maybe it’s your father’s unfinished business, your mother’s self-sacrifice, or your ancestral fear of being seen as too wealthy, too bold, too free. These unspoken inheritances turn into energetic baggage, looping in your body, your home, your bank account.
Ever noticed how you feel guilty when resting? Or you apologise for wanting more money? That’s emotional debt. You’re still repaying a story that says: “You must struggle to be loved,” or “We don’t deserve ease.” It isn’t yours—but you’re still paying the instalments through your choices, your nervous system, your relationships.
Here’s the breakthrough: once you name the debt, you can choose to stop paying it.
Journal Prompts to Identify Unpaid Emotional Debts:
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Whose guilt am I carrying?
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What emotion feels like “interest” in my relationships?
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Where do I feel I “owe” something without clarity?
These reflections are key to emotional debt trauma healing. Think of your life like a ledger. Start auditing the obligations. Cancel the ones that don’t belong. Forgive the ones that feel ancestral. Declare your own sovereignty.
💬 A client once told me: “I don’t know why, but I always feel I have to overperform just to keep friendships.” That’s emotional debt. The day she released that belief, she stopped chasing and started receiving. Energy flows where clarity goes.
So ask yourself daily: Am I still repaying something I never actually borrowed?
🌱 This is where you begin the rewrite.
It’s not just finance. It’s frequency.
What energy keeps pulling you back into lack?
It’s subtle, isn’t it? You pay off one credit card, and a new unexpected bill appears. You finally save some money, and an emergency wipes it out. This isn’t just bad luck—it’s energetic memory.
Every cell in your body has an “energy imprint” of your past interactions with money. If your nervous system associates wealth with loss, chaos or shame, then your subconscious will sabotage abundance—even if you consciously want more. That’s the loop of money anxiety—you’re vibrationally anchored in lack.
Let me share a story. A successful entrepreneur I coached had 80K followers, four products, and still lived paycheque-to-paycheque. Why? Her nervous system was conditioned by childhood “survival mode.” Whenever she had excess money, her body would trigger anxiety—because wealth felt unfamiliar, even unsafe. We didn’t just tweak her budget—we did trauma integration, breathwork, and mantra anchoring. She now earns more and holds more.
Here are signs that you’re energetically anchored in lack:
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Fear around receiving gifts or help
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Chronic undercharging or guilt after earning
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Spending impulsively when emotional
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Feeling tired after financial conversations
To clear this pull, you need ritualised reprogramming:
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Light a white candle every morning and say: “I am safe to be seen in my wealth.”
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Tap EFT (emotional freedom technique) on your heart as you affirm: “I choose calm around money.”
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Cleanse your wallet with salt or camphor. Bless it with basil oil.
These aren’t gimmicks. They’re neuro-energetic resets—like cleaning malware from your money system.
Remember: lack is not your destiny. It’s just the current setting. You can reset it.
✨ Want to understand your “lack frequency” and shift it? Book a private karma audit with me today. Let’s find the old pattern—and unplug it.
How can you burn the old map and rebuild a legacy of prosperity?
This is where everything shifts—from fixing money to claiming legacy. Burn the old scripts. The martyr stories. The “I’m not good with money” loops. The inherited shame. We’re building a new map. A map rooted in energetic clarity, soul-led strategy, and clean prosperity.
The book Burn the Old Map is more than a read—it’s a call to realign with your highest version. Every chapter invites you to break karmic loops and reclaim choice. Because until you rewrite your narrative around debt, you will keep walking in circles.
Let’s go further. Legacy isn’t just wealth—it’s what your energy leaves behind.
What if your children, students or followers inherit your frequency around abundance, clarity, and ease? What if your healed relationship with debt becomes the emotional blueprint for a whole lineage?
🔥 Start here:
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Burn journals with “old beliefs” written inside.
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Plant seeds in a pot while declaring new mantras: “My worth is unshakeable. My wealth is aligned.”
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Speak gratitude daily—not for what you have, but for what’s now coming.
You are the mapmaker. The bridge. The legacy.
And it begins not with spreadsheets—but with soul.
🌀 Want to feel this transformation in real time? Start the 7-day “Clear Financial Karma” audio series. Your future deserves this frequency.
How do you stay free from new emotional debt loops?
Freedom isn’t just about debt clearance—it’s about maintaining clarity. Many people do the healing work, pay off debts, and then find themselves in new emotional contracts that feel eerily familiar. That’s because we haven’t yet mastered discernment: knowing when to give, when to receive, and when to walk away.
Here’s the truth: energetic debt is often disguised as “niceness,” over-helping, or “being available.” Emotional loops start small—a favour, a promise, a role you didn’t consciously choose. And suddenly, you’re overextended, drained, and trapped again.
Freedom maintenance rituals:
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Weekly energy check-in: Ask, “Did I give from love or fear?”
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Monthly soul contracts review: Write down all obligations and circle the ones that feel misaligned.
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Practice energetic No: “I’m honoured you asked, but that doesn’t work for me right now.”
Set boundaries like a billionaire. They’re not walls—they’re filters for alignment.
✨ A small reminder: freedom isn’t loud. It’s quiet peace in your body when you know you owe no one… not even your old self.
What’s the legacy you are leaving behind—debt or dharma?
We all leave behind an energetic footprint. Is yours coded with stress, anxiety, and scarcity—or with clarity, calm, and dharma? Every action, every word about money, creates ripples. Your legacy isn’t just in rupees or dollars—it’s in resonance.
When your children hear you say, “We can’t afford that,” you plant fear. But when they hear, “Let’s find an aligned way to get it,” you plant possibility. That’s how energetic inheritance works.
💫 Dharma means soul path. When your money habits align with dharma, even your struggles become sacred. Even your debts become teachers.
Let’s leave behind a legacy where:
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Giving is joyful, not obligatory.
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Receiving is gracious, not guilt-ridden.
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Wealth is sacred, not secretive.
🔮 My role is to guide souls like you—souls with depth and desire—to bridge prosperity with healing. To write new maps. To live as lighthouses, not luggages.
The question is: What will your legacy echo?
What if clearing debt is the beginning of your real legacy?
The truth is, some of us have spent years, even decades, repaying emotional, karmic, and financial debts that were never ours to begin with. We inherited them—stories of lack, burdens of overgiving, the fear of being too abundant, the guilt of rising when others couldn’t.
That’s not coincidence. That’s energetic inheritance.
So I leave you with two questions:
Sit with those. Write them out. Let your truth answer, not your conditioning.
And if you’re real enough to face what surfaces, you’re more than ready to start your next chapter. The one where your story becomes a blueprint, your healing becomes a gift, and your prosperity becomes a pathway for others to follow.
This is about impact. This is where your legacy begins.
FAQs
What’s the difference between emotional debt and financial debt?
Can rituals really help with clearing financial stress?
How does Vastu influence money karma?
What if I keep repeating the same money patterns?
Can legacy really be built through debt healing?
✒️ Author
Tushar Mangl is a counselor, Vastu expert, and author of Burn the Old Map, I Will Do It, and Ardika. He writes on food, books, personal finance, mental health, investments, Vastu, and the art of living a balanced life. Blogging at tusharmangl.com since 2006.
“I help unseen souls design lives, spaces, and relationships that heal and elevate—through ancient wisdom, energetic alignment, and grounded action.”
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