Zero EMI: the notion is catchy. A lot of us ponder about leading a debt-free life, even if at a sub-conscience level. Given a choice, who will want to spend their hard-earned finances repaying to a lender? Is this an ideal scenario though? Is living a life without taking a loan realistically feasible? Maybe. Maybe not. The bottom line that arises here, is what can one do to minimise spending a larger part of their vitality just compensating for their borrowings? Author Ra Ma Palaniappan, an ex-banker-turned-IT-Program-Manager, shares his secrets and more with Madhvi Vivek in this episode of Author Conversations.