Testimonial
Sweet Words from Readers
CLIFF is a very inspiring read for young as well as mature audiences with simple and powerful ideas for a healthy, happy and long life. Embellished with excellent real life professional and personal stories, the clever cartoons give unique and interesting perspective. The concept of âRetirement Rewirementâ is simple, unique and powerful. Chapter 16 on The Happiness Paradox is a gem. May all readers live a long life filled with Purpose as they see the awesome views from their Personal Cliff.
Sanjeeb Chaudhuri
Chairman IDFC First Bank, ex CEO, Citigroup EMEA, ex Global CMO, Standard Chartered Bank
As longevity reshapes the structure of modern life, CLIFF offers a powerful framework for rethinking how we prepare for the decades ahead. Prashant blends wisdom, practical insight, and engaging storytelling to show that retirement is no longer an endpoint but a transition to a new phase of purpose and contribution. His idea of âRetirement Rewirementâ is both simple and profoundâreminding us that with longer lives comes the opportunity to design richer and more meaningful ones.
Lee Yen Ho
Group Chief Distribution & Proposition Officer, FWD Insurance
In an era where medical technology makes living to 100 a tangible reality, our greatest challenge is no longer just adding years to life, but ensuring we add life to those years. CLIFF masterfully synthesizes the longevity paradox with modern economic realities. A must read for all those contemplating financial independence!
Nikhil Advani
CEO AIA Thailand
CLIFF is an insightful, approachable guide to thinking about and managing money - one everyone should read, regardless of where they are on their journey to financial flexibility. Grounded in a systematic framework and refreshingly free of simplistic hacks or fads, Prashant turns an often intimidating subject into something clear, practical, and easy to act on.
Madhav Nayak
Chief Marketing Officer, APAC at Kenvue, ex CMO KFC Asia
There is a simple reality of modern life that is shocking millions of people each year: You don't get to pick your retirement date. Health, the economy, technology, corporate trends, and other factors pick that date for you.
Now that you know this, you are left with the option of winging it or getting prepared. Prashant's book will help you do the latter. Whether you are just starting out in your career or in the middle of it, Prashant provides the background to understand your reality. He then helps you create a map to bulletproof your financial life to ensure your golden years remain golden.
Geoffrey Rogow
former Global Investing Editor, The Wall Street Journal
A well-structured and engaging book that combines clarity of thought with practical wisdom. The logical progression of ideas makes it easy to follow, while the use of everyday life examples keeps the content grounded and relevant.
The CLIFF concept is especially compelling - simple in name, yet rich in meaning and application. By avoiding unnecessary technical jargon, the author ensures that important financial ideas are clearly understood rather than merely explained. The book is filled with practical tips that invite reflection and action, making it not just a one-time read, but a reference guide readers may return to and annotate over time.
Patrick Chang
Protirement Architect and Author
CLIFF reminds us that financial planning is ultimately life planning. It reframes money not as a goal but as a means to live with clarity and purpose.
Vinod Nair
Founder & CEO, MoneySmart Group
CLIFF offers a new operating system for financial resilience - one grounded in realism, empathy, and timeless wisdom. Insightful, practical, and full of heart
Prof. Tek Yew Chia
NUS-Asian Institute of Digital Finance, ex Vice Chairman, Oliver Wyman Singapore
Prashant Agarwal has written an easy-to-read handbook for a rarely discussed topic - how to finance the 100-year life. Its accessible style blends psychology, practical tips and topical tricks and great cartoons to help readers gain confidence amid career turbulence today.
Stephen Johnston
Founder, Looking Forward and Co-Founder, Aging 2.0
A new fundamental reality stares at us - longer lives and shorter careers. CLIFF explains deep questions simply. In an accessible way it lays out ways to achieve financial flexibility.
Neelkanth Mishra
Chief Economist Axis Bank
After decades inside financial services, Iâve seen how complex weâve made money. CLIFF does the opposite. It simplifies what matters and empowers readers to build lasting financial flexibility in an uncertain world.
Shishir Singhania
CEO Remitly Inc (US)
CLIFF is essential reading for anyone seeking a healthier longer better life underpinned by the alignment of lifespan and healthspan
Stuart A. Spencer
Group Chief Marketing Officer, AIA Group
CLIFF brings together three themes that matter enormously today: the reality of longer lives, the growing instability of careers in a technology-driven world, and the urgent need to make financial literacy more practical and actionable. What stands out is its emphasis on financial flexibility over rigid formulas, and its ability to translate complex issues into language that can genuinely help people take action.
Hugh Terry
Founder & CEO, The Digital Insurer
Shorter careers even as we live longer - What worked before will no longer work now and into the future. CLIFF not only gives you the new possibilities but most importantly the mindset to navigate through this harsh new reality. A must read!
Knattapisit Krutkrongchai
CEO Krungthai-AXA Life Insurance
