29 Year Old SUPPORTING Family of 3 in Rs. 24 Lakhs in GURGAON| Fix Your Finance Ep. 50

Рет қаралды 134,619

Күн бұрын

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Hello guys, welcome to another episode of Fix your Finance. In today's episode, we meet 29 year old Kratish, a growth and marketing manager who works in a bank. Kratish started his professional journey at the age of 22, working in a marketing agency and handled clients like Lamborghini.
He is the sole breadwinner in his family and also takes care of his native home.
We talk about his income, expenses, investments, predatory loans as well as his emergency fund.
and much more!
Enjoy :)
Download the Income Sheet- docs.google.com/forms/d/e/1FA...
Connect with me ►
Instagram: / anshhuman
Linkedin: / anshuman-sharma-20452b148
Twitter: / anshuman_306
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GEARS BEHIND THE VIDEO:
📷 Camera: bit.ly/sonyZV1cam
🎙️Indoor mic: bit.ly/Rodewirelessgo2
⚡Lights: bit.ly/digiteklights
🕹️Tripod: bit.ly/DigiTekTripod
MY TOP 5 FAV BOOKS 📚
Ride of a Lifetime: bit.ly/rideofalifetimebook
The Millionaire Fastlane: bit.ly/TheMillionaireFastlane...
Zurich Axioms: bit.ly/ZurichAxioms
Masters of Scale: bit.ly/masterofscale
Just Keep Buying: bit.ly/justkeepbuying
#fixyourfinance #personalfinance #moneymanagement
Disclaimer: Neither the guest nor I am a SEBI registered investment advisor. Information shared is only for educational purposes and not investment advice.
Music licensed by Epidemic Music

Пікірлер: 151

@anshumanfinance 9 ай бұрын

Book a FREE call with Ditto. Limited Slots - bit.ly/3tAAo4t

@abhinavjanghel2008 9 ай бұрын

The show is not just about finance, its about career, finance, education, lifestyle lessons every young adult should know.

@shubhamkushwaha6411 9 ай бұрын

💯 percent 🎉

@rn_chetri3 9 ай бұрын

Me working on a 13 k salary as a 23 year old and looking after a family of 4.

@rajeshkumarjha1536 9 ай бұрын

More power to you. You are an example that with less salary one can manage things very good.

@dhanorilohegaon3472 9 ай бұрын

23 saal aur biwi 2 bache...love marriage ???😂😂

@ashya1 9 ай бұрын

parents dont work?

@kartik180rajesh1 9 ай бұрын

Switch karo khush raho

@LMStar2611 9 ай бұрын

@@dhanorilohegaon3472 akal k andhe uske ma baap honge Bhai behn honge ,family me Bibi bachho se pehele ma baap Bhai behen ate h

@aarthibhandary5120 9 ай бұрын

This guy is such a responsible son. The burden of having to look after your entire family is so taxing. Please take a break. I hope it will prove to be even more fruitful for you

@prefuvvk 8 ай бұрын

Exactly

@YV-2000 7 ай бұрын

💯

@abhinandankainth 9 ай бұрын

finally a good aggressive investor who knows what value credit cards adds to your emergency fund

@pb25193 9 ай бұрын

SORRY

@kavishwarmokal124 9 ай бұрын

Rs. 13500 per month in hand then and Rs. 23.5 lakhs per annum gross. Rs. 2 lakhs gross appro. per month, then its 15x of initial salary, where did the 180x comes from; thumbnail misleading.

@karanskhera 9 ай бұрын

Highly relatable video. Lost my father just out of college in 2018. Had to pay off his debts after he passed away and have been taking care of my family since then. Been thinking about many things that Kratish spoke about. 'Maa ka phone kharab ho gaya' was relate max! One suggestion for Kratish, since you have an agency background, you could consider starting one of your own, maybe with 2-3 like minded people, along with your current job. Lot of early stage startups and firms are looking for growth solutions, especially in areas of growth and product marketing. I know time constraints will be there. but along with reducing expenses, increasing income should also be looked at. This agency approach can help you in that. You seem to be mature and confident enough to pull this. All the best man!

@BSASITHARANJ 9 ай бұрын

Hey bro what r u doing ?

@sharath8322 9 ай бұрын

Krathish - I feel you should do content on social media, your face and articulation skills fit the requirement that one needs to have

@mukulpathak9389 9 ай бұрын

Misleading thumbnail 13k to 1.5 lkh not 25 lkh per month so its 15x not 180x

@kavishwarmokal124 9 ай бұрын

He is fooling people, he just needs views to get income from KZfaq, don't take him seriously, just watch for the fun and leave.

@chiragudeshi8528 9 ай бұрын

The better option would be to try and get a sabbatical leave for 3-4 months which would be a win-win situation if the bank allows. 😅

@pb25193 9 ай бұрын

10:00 this is actually a very damning thing and something similar happened to me. It hurts and changes a person. Took me 6 years to feel safe about furnishing a house after that.

@chiragsingla9499 9 ай бұрын

Another reason for not putting emergency fund in equity because as soon as maket goes down the value moves down and in falling market risk of loosing job is also higher.

@allgenrevideos538 6 ай бұрын

He just wanted to be on this KZfaq channel, so he called Anshuman simply! From his words, it's very clear he knows what to do. But he asked questions just because Anshuman asked him. He's a responsible person. But he wanted to show off what he's doing.

@prefuvvk 8 ай бұрын

This boy seems mature and sincere kudos.

@user-ng7mp9ol1j 9 ай бұрын

Such an honest guy

@ShaunTheMaker 9 ай бұрын

It is not 180x by the way, 13k was monthly & 25L is yearly package. Better thumbnail I can think of is around “Increment vs Market Value Correction”

@imvishadsaxena 9 ай бұрын

The guy had Very relevant Questions ….Good One👍🏻

@DidYouRunAway 9 ай бұрын

Love the series, subscribed!

@dikshantgoyal7800 9 ай бұрын

Bhai ur thumbnails are getting misleading by each video... U literally compared monthly STIPEND to his current CTC... And at 13:13, u r saying something else and showing something else....

@ajaydang4634 9 ай бұрын

Mera Bhai kita smart hai @Kratish Tiwari Proud of you brother ❤

@sumitkavathekar 9 ай бұрын

Great work Anshuman! Really appreciate

@kartzs9957 9 ай бұрын

Bank VP coming to fix his finance 🤪🤪😅😅🤷🏽‍♂️

@GetYourselfALife 8 ай бұрын

10:53 The right word is not frugal, but minimalism, Anshuman.

@rahultandurkar5171 9 ай бұрын

As a 28yr load, i had the exact set of questions this guy has. Thanks for clarifying. I can plan better now. Bhai shadi ka kharcha kaise kar rahe ho?

@mehulchawla7698 9 ай бұрын

Bhaiya do ask them that how did they got such a big growth in few years that would help us more otherwise u doing very well...

@samratduttaroy9093 9 ай бұрын

this guy exactly asked the same questions which are coming in my mind

@swagatam2578 8 ай бұрын

One of the best conversation 👍

@akshayjoshi4106 9 ай бұрын

Hi Anshuman suppose we stop sip in mutual funds should we withdraw the amount from mutual fund and put it back to fd or keep it as is it in mutual funds

@satpalsinghrathore2665 9 ай бұрын

Bro compared monthly salary to yearly in thumbnail

@divitkarekar5803 9 ай бұрын

Very mature guy,he should save up and take that break

@sancharidas3468 7 ай бұрын

Me 26 yr old with a 40k monthly salary looking after a family of 4 .

@satyanveshi1939 9 ай бұрын

Anshuman your are getting slimmer and slimmer day by day. Please make a video on your weight-loss journey till date. Inspire us

@harshitmishra2362 9 ай бұрын

Hi @Anshuman, please let me know if you visit Ayodhya, would like to get your advice and would like to learn more about financing. I have been following various channels, but this in person consultation looks really interesting.

@rohitghosh2514 7 ай бұрын

The thumbnail is a bit misleading. He earned 13.5k per month and at present he earns 24L/year. Effectively its a 10X growth instead of 180X.

@ojasbhagwat3335 9 ай бұрын

Try going by sleeper class in trians to Lucknow rather than being premium . You can save 4-5k.

@prefuvvk 8 ай бұрын

Awesome Content

@sajidali7676 8 ай бұрын

Your subscribers snippet that you show us at the end of the video is not updated. You should update that image. Finally subscribed :)

@jhapradeep 9 ай бұрын

If 2008 crash seems too distant you can refer Covid crash as well.

@varshamittal95 9 ай бұрын

Something wrong with the thumbnail, it is not 180x as monthly income is compared to annual income.

@keshavjhunjhunwala5942 9 ай бұрын

The thumbnail is misleading 13.5 k figure is monthly while 24L figure is annual

@mukulmandal2416 9 ай бұрын

Bhai my attention is going towards your background music only.. kya karte ho.. remove the background music or reduce the volume of background music.. pareshan karke rakho ho

@chirantanx 8 ай бұрын

this guy seemed sorted! Cool

@amanmadhukar6527 9 ай бұрын

Hey @anshumanfinance can you share a sample sheet for reference which has been shown the video...

@pankajnautiyal84 5 ай бұрын

Good luck this boy. You really well managed so far. Dont take a break. You can always go for 1 month Holiday or change a job with 3 month notice period. This way you get a break and a new job too. Best wishes

@aryan053777 9 ай бұрын

Bro I am also from sitapur Nice to see you there in videos

@aryan053777 9 ай бұрын

@Anshuman I am also working as Automation engineer can you please plan a connect with me as well to understand whether I am in a right path of finance or not.

@anshularya1 9 ай бұрын

Ask him to stop doing unnecessary calls for account opening and credit card selling.. otherwise aur kya h growth k kaam mein..yahi h sab

@leftarmorthodox 9 ай бұрын

Misleading thumbnail...not sure why Anshuman had to do clickbait

@NITISHBHATT008 9 ай бұрын

1 Cr se you can do SWP of 6% PA, which will grow at around 10-10.5%(Mix of equity and debt).

@chaiwithsaurabh9031 9 ай бұрын

@Anshuman Sharma. I have a lumsum amount of money need a guidance where to invest.. please suggest. I follow your youtube channel..

@dailyZork 9 ай бұрын

Consider doing an executive MBA in marketing, can be done through distance learning and will help to give you more credibility.

@Jyyo 9 ай бұрын

Nope, would prefer someone like him going full time, it will propel his career

@kamranwasifify 9 ай бұрын

distance learning ? Seriously?

@sumitp9158 9 ай бұрын

@@Jyyoyes 1 year executive from good iims is very good option

@Jyyo 9 ай бұрын

@@sumitp9158 nope, they are not

@rajkitm 9 ай бұрын

Hi FixYourFinance, You always talk about investing in debt mutual funds, I see FDs are better option. I checked all the debt fund their returns are close to 7-9% which is based on past year return. Putting the money in debt funds where returns are not predictable seems unsafe. Can you help me with the answer.

@sumitrawat2037 9 ай бұрын

Check gilt funds. They have better returns than FDs for last 1 year

@kurjac5480 7 ай бұрын

FDs won't be attractive after 1-2 years

@JK-cw1tp 7 ай бұрын

Why not take a break at expense of the company. Utilise all leaves and then also exhaust the paid leaves. If you've been working for this organisation for a long time they should give you a extended break, better still if you convince them that in this break you'll learn a new skill that will be helpful for growth of the organisation. On the side, go full throttle on new job search and if successful, ask them for a joining after a month. You have taken your break.

@saxena_aks 9 ай бұрын

So anshuman is back with interviewing with top 3 or 2% of Indian people😂

@shahzebqazi3202 6 ай бұрын

The guy look like mortal

@ojasbhagwat3335 9 ай бұрын

13500 per month and 24 lakh per year🎉

@viralkhoj2436 9 ай бұрын

Hi Sir. How do I reach you?

@a_s_h___69 9 ай бұрын

Me who is 17 , but still watching 😅

@maalik781 9 ай бұрын

The reason he is not able to save much is because of his expenses. He is living alone and paying a rent of 20k, my whole family lived in 16k a few years back in Bangalore and I used to earn more than him at that time. His electricity bill is 2500 which is ridiculous for a single person. He spends 8k on "weekend" expenses which frankly, he can't afford given his situation. 30k for expenses during home travel also shows not having enough control over expenses. I'd even go on smaller expenses like commute -- why should it take 5k for commute if you use a 2-wheeler, I don't understand. My speculation is he would not be able to save much money even if he had earned double what he is earning now. He'd find a way to spend most of it.

@amoghsaxena5255 9 ай бұрын

post-covid rents have boomed like anything!

@anushhhhkaa 9 ай бұрын

The reason why anybody is not able to save more than they actually do is THEIR EXPENSES. Just G-pay him. He’ll manage I’m sure.

@kipa_chu 9 ай бұрын

16k flat in Bangalore with a family ? Where you living in a cave ? Current rent for 1BHK in whitefield is more than 18k. Generally its 20k+

@Newage-ed7er 9 ай бұрын

Akele rahoge toh jyada expense Hota Hai ...for fun etc... when u have family u don't need to spend money always

@princeofheaven19 9 ай бұрын

@@kipa_chu in sarjapur it is 28k plus

@mraoofmansoori6940 9 ай бұрын

Emergency funds should be in gold bees etf

@vinayakkrishnan4534 9 ай бұрын

Despite working in a bank, im surprised his health insurance is not covered by his bank

@jhapradeep 9 ай бұрын

Insurance from Bank\company is applicable till the time you are employed with them.

@prashantkumar-qq8tb 9 ай бұрын

I have one point in a constructive way. Whenever you interview common people like in this video you show each and every detail of the income like total compensation, fixed, variable in numbers. But when you interview celebs like suhani shah, rajat sood etc you talk in percentages. I think we will like to know the same level of details about their expenditure and incomes and investment diversification

@rohitsoni9325 9 ай бұрын

Celebs won't share exact numbers with him.. They work hard to portray themselves like a common man but if they'll share their numbers, that bubble might burst. Nothing wrong in earning and spending in lakhs and crores but most of the Indians negatively perceives high-income individuals so they chose to not disclose it.

@jhapradeep 9 ай бұрын

Celebs won't disclose everything.

@ankitdubey6505 6 ай бұрын

I am also working in Mumbai and earning 26K and looking after a family of 5.

@utkarshdongre780 9 ай бұрын

bro looks like honey singh

@amitoshmishra5079 9 ай бұрын

Mera 55k milta h .. 5 k expeñses . 50k saving in fd

@pranavdivakar1506 9 ай бұрын

How Click-baity is the the thumbnail! Earlier = Monthly Salary Now = Yearly Salary Woahhh - fake excitement!

@kraut1982 9 ай бұрын

Why does he have to spend on insurance for brother? Unless the brother is teen or something.

@manurajjoshi9905 8 ай бұрын

bhai kar rakha hai subscribe

@MrSatadal 9 ай бұрын

Don’t get married. You will be able to manage expense easily.

@sayanbiswas_sports 9 ай бұрын

I think 25 lakh is not at all enough , he need 1 CR , then he live a basic life in Delhi.

@shantanugawade9121 8 ай бұрын

@anshumanfinance, I'm not getting how its 180X growth mentioned in Video Thumbnail. Actually he was earning 13K in hand per month and now he earns 23.5LPA in CTC, considering 10% variable, in hand would be somewhere around 1.35L. So technically its 10X growth. Not more than that. Please , do not spread false info for views. I respect and appreciate your work. But I don't think this type of manipulation is necessary as your content is top.

@rushabh7026 9 ай бұрын

absolutely hate the background music, couldn't watch past a couple mins!

@vamsiaugustveenam4103 9 ай бұрын

I work for a Swiss based pharma Co. I make around 1 lakh per month. Not enough So I started taking classes for Math and Physics 10th 11th and 12th. In that way I am making 48K. Not enough. So I work for Uber everyday 2-3 hours. Making 1000 to 1500 every day. Making 35 to 40000

@bab9163 8 ай бұрын

The video is out of content 😂lacks …….sir 25 k budget ka video dahal do 😅

@user-rx2zo 9 ай бұрын

I am from sitapur

@vaibhavverma7162 8 ай бұрын

Up Sitapur

@Ansar-382 Ай бұрын

Hindi me fatafat sawal jawab ki ya karo sir

@amitgkolhar2928 9 ай бұрын

Bro I think you need to request some specialist doctors to appear in show We need to know about specialist doctor pay as a medical student to know scope of future

@rhlkhanna786 9 ай бұрын

Why isn't anyone talking about him looking like Honey Singh's younger brother 😆

@aryankumar87771 9 ай бұрын

bhai mai same comment karne aaya tha fir ye comment dekha.... fuck what are the chances lmao ?

@arpitmehra296 9 ай бұрын

Delhi se hi hai dono 😅😅

@TanmayGarg16 7 ай бұрын

To be honest their was no clear solution.. 1st n 2nd learning contradicts when it comes to save money.. The person didn't get clear solution what exactly can help him! 🙂🙂🙂🙂🙂

@raghavendradeepakdupugunta4241 9 ай бұрын

definitely bad spending habits.

@karuOP 9 ай бұрын

Roz bahar jaata hu, Kya pata anshuman mil jaaye toh questions answer karke kuch paise kama lu

@aniketsonar5421 9 ай бұрын

Mumbai

@guptasgyan9913 7 ай бұрын

Ensaan ki life progress ki machine ho gyi hai et the end kuch nhi bachta jo vachta bo kharch ke layak nhi rahta

@souvikghosh5768 9 ай бұрын

Isne Food offer Kiya?? 😂😂

@guptasgyan9913 7 ай бұрын

Bhai up lekhpal ki tyari kar le apni .maa ke pass rahega aur peaceful life. Rahegi nhi to 35 ki age tak bilkul thak jayega

@FarhanKhan-xe2sf 6 ай бұрын

Anshuman , tum itna health insurance kyu bechte ho ? Jab CoVID aaya tha to koi insurance kaam nahi aaya tha. Sab sarkari hospital me hi line lagaye they.

@Arjun-tg1go 9 ай бұрын

You lost me at Bombay..

@user-fz9pe9rq5i 6 ай бұрын

There is nothing to fix

@frankonaik 9 ай бұрын

24 lakh kamata hai phir bhi bhikari hai 😅

@abhishekbhardwaj2442 9 ай бұрын

@anshuman I have filled the form waiting for your call

@rajeshrathi3439 9 ай бұрын

BC chu!!!! Tere bhe waiting hai kya

@WeAreHistory11 8 ай бұрын

I am a student and i took a loan of 20k 😢 I was addicted to gambling and i lost it all i am stuck in a very bad situation @anshumanfinance What should i do I earn 2k a month from my internship and 10k loan is on monthly emi so it is in control but the rest of the amount haunts me and is affecting my mental health 😢

@sandeepsahoo7277 8 ай бұрын

Ask your friends for money and pay the loan then pay your friends back