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When I first landed in London for my postgraduate studies, the excitement was quickly overshadowed by a gnawing loneliness. Every evening, I'd stare at my phone, calculating the cost of calling my family back in Mumbai. The traditional international rates were exorbitant—each minute felt like watching money drain from my already tight student budget. I tried various messaging apps, but the delayed voice notes and patchy video calls left me feeling more disconnected. Then, a friend mentioned Talk

It was a rainy Tuesday afternoon, and I was hunched over my laptop, feeling the weight of another rejection email from a traditional brokerage firm. The words "minimum deposit not met" glared back at me, a stark reminder that my modest savings weren't worthy of their elite financial playground. My fingers trembled with a mix of anger and helplessness; I had scrimped and saved for months, only to be told I wasn't rich enough to even start investing. The scent of stale coffee from my mug filled th

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