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Living on 30 Lakhs Package but BROKE by Month End | Fix Your Finance Ep 21
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Hello guys, welcome to another episode of Fix your Finance. In today’s episode, I meet Ranjan, a 34 year old MCO(manager customer operations) working in a software company in Bangalore. He has recently bought a car and is pursuing masters in IIM.
In this episode, we cover
- Ranjan's income and expenses
- How not to be broke by month end?
-How to save more?
-How to pay EMIs faster and save interest?
Enjoy :)
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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
@TheMahaa Жыл бұрын
Please be respectful in the comment section guys, he wants to fix the financial situation hence he is here, let’s not troll someone for being honest on the internet.
@mk67890 Жыл бұрын
Exactly. Ppl find it funny to comment on his physical appearance
@cbazxy2697 Жыл бұрын
Exactly, he identifies his problem and seeking guidance which is something people can appreciate instead of pointing obv which he already knows
@mithunnair8587 Жыл бұрын
Ya man
@Deeksha1176 Жыл бұрын
Finally someone said it !! Thank you @mahalakshmi
@AlokTechWorld Жыл бұрын
Must needed comments after 100 crore wala expectation with current expenditure rate 😅
@kmohan1900 Жыл бұрын
I don't know why there is so much bashing on this guy. He knows that he's doing something wrong, that is the reason he wanted to fix his finances. On top of that he's being open about it so that others can learn from this video. Takes a lot of courage to discuss finances openly. My respect is with him
@RaptorX13 Жыл бұрын
Looks more like flexing to me. But yeah, everyone has their own opinions.
@KLT3T Жыл бұрын
1.5 lac is no flex bro c'mon he was a honest guy and acknowledged that he is bad with managing finances. Internet is so fuckin toxic these days
@thechocolatebarfipodcast4209 Жыл бұрын
This guy & Anshuman both know well the consequences of releasing this info in the public, still they chose to do it. Why should we prevent people from reacting?
@thechocolatebarfipodcast4209 Жыл бұрын
Should you try to dictate how others react to a spoilt brat?
@purushottamkumar3140 Жыл бұрын
This is reality of most of IT professionals who are earning 1lakh+ per month . This guy is so honest with telling his expenses and didn't hesitate to share it. Thanks Anshuman for such videos
@sarathr4495 Жыл бұрын
Nope not really. Many put to savings
@suhartyasarkar5596 Жыл бұрын
Trust me no IT guys are this dumb!!!
@sanjaykumar-cd1ji Жыл бұрын
Not most of IT professionals!!! But few are there
@satishpatro Жыл бұрын
Not at all. In my close friend circle we do quite a good amount of savings. If you are disciplined enough irrespective of 3lpa or 13 lpa, you will have no issue
@sanjaykumar-cd1ji Жыл бұрын
@@satishpatro that's right.. i myself put 50% of money in my savings.
@nickelzinc Жыл бұрын
Folks who are blasting this guy- atleast respect him for the fact that he has shown guts to openly come out and discuss his financial issues publicly. Half of us dont even disclose our in hand salary to our own family!
@kunaljana2261 Жыл бұрын
Apple Watch Ultra, XUV700, Expensive collectibles, 30k in subscriptions and no idea about saving money.. This guy is an absolute case study on everything you shouldn't do to have a good financial future.. It's like Anshuman should show this video to everyone and say ki "jo b ye karta hai mat karo and you will be financially successful"
@AvisekSen Жыл бұрын
I think he also mentioned that he have dad who still have enough to earn / spend.. and wife who only saves.. Anshuman did fantastic job showcasing a case study that shows to live life the way you want but have multiple income streams which is the key
@AmbujChaudhary Жыл бұрын
This shows that common sense is greater than any IIM or IIT degree!
@kunaljana2261 Жыл бұрын
@@AvisekSen Having your dad and wife's money is not called multiple income streams. He didn't even have enough money to give the downpayment for his car. What will happen once his dad is not around? Living life to the fullest is great but it should always be done after making sure you have a safer future, so that you can continue living that life even after you stop earning money and do not have your dad to pay for all your expenses.
@tito98496 Жыл бұрын
🤣🤣
@vipin743 Жыл бұрын
True 😂
@Paaaaaaaaaaal Жыл бұрын
50k in emis and 20k on fuel. Spending 45% of salary on just a car. This man is in deep shit.
@Paaaaaaaaaaal Жыл бұрын
@@avengers888i live in Delhi, never seen anyone around doing that
@Thuglyf69 Жыл бұрын
He is from Mumbai 😂😂😂 iske bohot property hai mumbai me! Vid dekh ke log chutiya mat samajh
@chetanshukla768 10 ай бұрын
Isko dekhke mujhe itna confidence aa gaya ki maine iim ki preparation start kardi, iska ho gaya toh bc kisi ka bhi ho jayega 😅
@nishilsb Жыл бұрын
This guy is really contributing well in the Indian economy. Good job🤞🤞
@digvijayyamagekar7139 Жыл бұрын
Sara economy ka load isane hi liya hai lagata hai 🤣🤣🤣
@mr.j9122 Жыл бұрын
Epic 👌
@thebeautifulanimal 10 ай бұрын
100cr 50cr...... What ever comes in their head.
@memesofproduction3 9 ай бұрын
Yep donating his salaries to pump up our stocks
@ajaysahu6533 Жыл бұрын
Kudos to the honesty of this Man , being so transparent with the budget and so humble throughout. Loved this episode.
@omkar3624 Жыл бұрын
It would be a miracle if he achieves even 1 cr at age 50 with the current trajectory.. hope he mends his ways soon.. 34 is still not late..
@fluffybunny510 8 ай бұрын
He don't need to save, his wife is also earning and savings
@akashhande Жыл бұрын
Sometimes I watch these videos to feel good about myself.
@ManojKumarmamtha Жыл бұрын
Lol 😆
@guharup Жыл бұрын
basst comment
@sukrutdeshpande Жыл бұрын
Lol..this comment made my day 😂
@akashhande Жыл бұрын
@Aditya Ashutosh I keep 10% for my monthly expense, another 10 to 15 for rent and other house supplies. Rest all is saved and invested by 3rd of every month.
@Worldnme Жыл бұрын
Haha
@azamduccati Жыл бұрын
After watching a couple of episodes from the series it seems once people are crossing a certain income threshold they are finding it difficult understanding what to do with the new purchase power and going all bonkers collecting liabilities in this new world order of social status
@someshnegi-zy7uf Жыл бұрын
Exactly
@nawaal4452 Жыл бұрын
It's the lifestyle creep
@SunilShahu17 Жыл бұрын
Respect for the guy for sharing this with us. Wise learns from others mistakes. Be wise and learn from this guy's mistakes. Don't buy 30k subscriptions or 45k car EMI. And definitely don't burn up 20k fuel for that car.
@srijoygan Жыл бұрын
seriously..... One thumb rule i use is buy a car thats worth 60% of your yearly income
@Thuglyf69 Жыл бұрын
1. His 30k includes, bills, gym, subs, other bills mobile etc. see the video to find .5 seconds ka breakup. How manipulative is this video?
@youtuberuser Жыл бұрын
This man is a prime example of abundance mindset...who works hard party hard...since his family members are earning and saving he can pretty well live life king size
@sumit6190p Жыл бұрын
Good for him. Personally if I was 34 years old I would want to financially independent and not depend on any of my family members including my parents.
@Gyaan_paapi Жыл бұрын
So at the age of 34 and still living pay check to paycheck? Not good i would say bro
@arijitsadhu0624 Жыл бұрын
I make half of what he earns but I am way more stable financially.
@cbazxy2697 Жыл бұрын
Dude 15 L is a lot to be stable that should go without saying
@ayushmukhopadhyay7470 Жыл бұрын
+1 same
@sumit6190p Жыл бұрын
It's enough only if you don't have a child or don't have parents who are financially depending upon you.
@sumit6190p Жыл бұрын
@@arijitsadhu0624 Then 15LPA is not enough bro assuming your yearly hike is less than the inflation rate.
@sharadshivale984 Жыл бұрын
@@sumit6190p everything is fine unless you keep upgrading your lifestyle with the upgrading salary
@sreerajr6470 Жыл бұрын
His monthly subscription is more than my salary and I still saved 20 to 25 % percent of my salary each month.
@iamsid23 Жыл бұрын
The problem people make (including me) while buying a car is that we fail to calculate expenses apart from the loan amount. We ignore fuel expenses, maintenance, toll, accessories etc. This amount almost is 50% to 100% of the loan amount depending on the loan value. Eventually people learn the hard way.
@tradingwizard562 Жыл бұрын
Not only that if you add Tax government takes and calculate amount you need to earn adjusted for income tax you are actually wasting twice actual worth of car.
@Roaming_India Жыл бұрын
This is a prime example of someone who were in scarcity but now in abundance.
@gomzify Жыл бұрын
i appreciate this couple to come out in open about thier finances and help all of us learn a lot. Stop bashing them for no reason guys ... they could have taken offline advisory as well.. Be a sport ! Thanks Anshuman ...
@ersatyamsaxena 10 ай бұрын
God save his company, he is a manager 😂😂😂
@nickvakil6008 Жыл бұрын
Even a high education like an IIM hasn’t taught him basic life skills like how to manage money. Speaks more about our education system than this 1 guy
@Thuglyf69 Жыл бұрын
Bhai! Mai janta ho isko! Bahut paisa udata hai. But iska shares me bohot kamai hai.
@atorbfire Жыл бұрын
You could have easily advised him to put an SIP into a tax saver SIP which has a lock in period, soon as he gets the salary. Process is same as crediting to his wifes account, but better.
@himanshuagarwal4673 Жыл бұрын
But if there was an emergency, he will not be able to take out the money. You should always keep some buffer money in savings account.
@nishant115me Жыл бұрын
@@himanshuagarwal4673 for emergencies he can use credit cards. Putting money in wife's account is also risky he will still spend it.
@sumit6190p Жыл бұрын
@@nishant115me Thoda to bahrosa rakho bhai uspe.
@karanespanol011 Жыл бұрын
It wont work sinxe basic financial awareness is lacking
@ramaghosh6926 Жыл бұрын
Already done(SIP) n save for emergencies
@spencer214 Жыл бұрын
Those are NOT eggs, those are DRAGON BALLS.
@wauldendemelo668 Жыл бұрын
OMG, yesss !
@caonima3372 Жыл бұрын
Shenron ke tatte
@neelavbhatiya9599 Жыл бұрын
man of culture
@s6842 Жыл бұрын
A very crucial point indeed 😂
@rhitamdutta1996 Жыл бұрын
Hell yee
@Top10PrimeTV Жыл бұрын
Bro, her department is to save and use it for herself if you guys separate . You're never touching that money, bruh!
@sravyasravya9231 Жыл бұрын
Now don't seperate ...
@mk67890 Жыл бұрын
Pati ki salary.. hamara paisa. Meri salary.. Mera paisa.
@HimanshuKumar-cw3hv Жыл бұрын
Everyone has a different perspective on how they want to live their lives, rather than limiting his choices, this guy is actually living large and making his dreams come true which needs sheer audacity which quite a few ppls have, buying the dream car or investing in his hobbies needs guts and he has done it which is appreciable, he just needs to work extra hard to secure his future on which he is making an effort. He just needs to make a few wise decisions about where to put his saving and he will be fine.
@pradeepmahale5 Жыл бұрын
Ummm even this is also true…
@kushagradhi90 Жыл бұрын
can`t agree more. Living life King size ! Kudos to you .
@sumit6190p Жыл бұрын
Yeh sari bolne ki baate hoti. Just wait when life teaches you lessons.
@sujitsen003 Жыл бұрын
Hey, his dad and mom got his back. So it’s fine
@faaranmohd Жыл бұрын
Spot on
@tathagatanandi8900 Жыл бұрын
Please make videos about a fresher or 2-3yrs experience working in IT that might help lot of your viewers.
@RameshDasari511 Жыл бұрын
Now a days techies has over 5-10years of experience and not able to manage 30L package is a big problem.......I used to save around 5k in my 20k salary in the year 2014....i think one of the reason for him is his family support....thats why he is spending everything and saving 0
@chiragklein4081 Жыл бұрын
Thank you for making such series, it’s a big help, kudos!
@rajninegi53 Жыл бұрын
I specially love your videos bcz it's very new seeing people talking abt their income & expenses so openly ,specially in india . Because our parents generation always hide it from each other and used to say bus ghar chal jata h..It's amazing to witness this mind set shift .I always belived that our generations has ability to changes the things which are running from centuries.This change can be positive or negative both. And we all should take good responsibility and accountability for that .
@sravyasravya9231 Жыл бұрын
My honest suggestion 1. Sell the car and buy basic 5-7 lakh one , save EMI money for retirement in (PPF,NPS, MF etc)
@kiranrao4375 Жыл бұрын
Great advice, but will be ignored as it makes sense
@bubblegum8981 Жыл бұрын
Upskilling is actually a great investment which is often undermined.
@GVC94 Жыл бұрын
So, basically don't live a life you deserve even after earning the money 💸
@prasannaik-2917 Жыл бұрын
As he already bpught the car if he sell it now he will looose 5 lakh + Soo not a good idea
@saadathanikar4663 Жыл бұрын
Wife salary is there na for savings
@sdbhattacharya Жыл бұрын
He is a great example of how to live life large. Sounds like his father is having very good wealth which he will inherit. So wouldn't be an issue. He has enough time to save.
@EpicTime33 Жыл бұрын
9:58... *Bro bought dragon balls* ... Huge respect
@pradeepmahale5 Жыл бұрын
😂😂😂
@arunsadanandabhat8518 Жыл бұрын
HE can ask the dragon for Manchester united Club and 100Cr for Retirement as his wishes 😂
@ambition4195 Жыл бұрын
Egg 🤣🤣🤣🤣🤣
@guharup Жыл бұрын
the guy is cool. Once he fixes his finances he should have a good life. Also seems like he has a super dad.
@born-victor Жыл бұрын
He spends 70k just on the car (emi+fuel) which is half his in-hand salary. Plus 30k for subscriptions.. that's 2/3 (or more) of salary on depreciating 'assets'. Wowwww! There is hardly any investment and saving. They have landed themselves in a soup already!
@ranjanghosh4321 Жыл бұрын
This is me in the video. Woh, lots of crazy comments; thanks for the decent ones & suggestions. Guys, we are 3 earning members - I spend on luxuries for my family, rest people save. I find myself pretty well positioned after 6-7 years of work experience; my cash flows are pretty streamlined, and these short-term expenses are just a matter of 3-4 years. The video doesn`t tell about assets, bank balances or PF, EPF or NPS of family members. Can`t disclose everything for a KZfaq video. Had fun with Anshuman, though editing is more inclined on another way around! 100 CR was just a number I was asked to say, and i said 100 crores.. well I can dream can't i? 🙂 PS: Those are Dragon Balls :-(
@dileswarisahu8443 Жыл бұрын
👍
@sumit6190p Жыл бұрын
So, that means you have already sorted your family's Term life, Health insurance and Emergency fund?
@dileswarisahu8443 Жыл бұрын
You should ask anshuman to change the thumbnail 😁 i am sure you were not giving that expression 🤣
@ranjanghosh4321 Жыл бұрын
@@dileswarisahu8443 I was adjusting my specs 🤓
@ranjanghosh4321 Жыл бұрын
@@sumit6190p will you believe if I say yes? 😄
@saniakhan1996 Жыл бұрын
Why the hell u need that expensive of a car🥺can't imagine the pain of giving 50k for car loan every month for 7 yrs 🥴🥴.. He is paying 42 lakhs for a 30 lakh rs car..damn he gotta get financially educated 🥴💔🥴
@serenestrolls-d7b Жыл бұрын
7
@MeraMohito Жыл бұрын
Jitna EMI, Utna subscription fees.
@mk67890 Жыл бұрын
Impulsive buying.
@av7337 Жыл бұрын
Why buy car on emi?
@stephenwilson4931 8 ай бұрын
Bhai uska paisa usko abhi maze krne h budhape me nhi to uski marzi ... humne to na abhi kuch krna na budhape me 😢😂😂😂
@SR-ok6fz Жыл бұрын
People need to understand that Spending is an addiction. It takes great self control to manage your finances and be thrifty with your spending. It's good that this person recognises and is willing to discuss in public.
@jineshjohny5381 Жыл бұрын
He would still be left without any money in 5 years even if he had 100 crores now.
@mithunnair8587 Жыл бұрын
Such sweet guys man, just need some finance knowlege which anshuman gave to them, best of luck in ur journey guys ❤️
@kushaagrajain19 Жыл бұрын
Bro got me scared for myself, I'm an IIMK grad as well. Despite his predicament it's great to see that he has a positive outlook for the future and is ready to make changes in his life.
@sachindesai4340 Жыл бұрын
Everyone Is comment section are talking about how bad he is with his finances but I really doubt how many people earning 30lakh a year in there mid 30s
@gautamnayak8847 Жыл бұрын
I make 21 lpa and I have a similar story but recently my wife has taken complete ownership of our accounts combined :D and she is frugal mindset I feel it's the only way forward for spendthrift people like me
@gautamnayak8847 Жыл бұрын
@Aditya Ashutosh nearly 135-142k
@The_invincible121 Жыл бұрын
@Code Ape Hustle kaun si company h bro
@gautamnayak8847 Жыл бұрын
@@The_invincible121 citibank
@metazillo8849 Жыл бұрын
Loura 21l …20k milta hoga 😂
@gautamnayak8847 Жыл бұрын
@@metazillo8849 not here to prove anything but you can connect with me over linkedin same name same profile picture :)
@SoumyaRanjanSahoo-fv6ll Жыл бұрын
This guy is living life as a king , of course he has to for all these
@FundamentalInvestor 10 ай бұрын
One of my friends sent me this video. Eye opening 🙂Nicely done my friend. Best wishes to the gentleman who has taught valuable lessons...
@anshumanfinance 10 ай бұрын
Thank you, I have been following your work on twitter since a long time :)
@sandycharan7643 Жыл бұрын
This video is worth watching. How make sound financial decisions. Financial discipline is necessary if your are living with family that is dependent on you. Good episode
@AvisekSen Жыл бұрын
Anshuman did fantastic job showcasing a case study that shows to live life the way they want alongside having multiple income streams which is the key, covering needs, wants and investments.. what else you want.. Fantastic job that should surely motivate to live today and save for future via other income streams (dad, wife etc..) as well..
@abhirupghosh4802 Жыл бұрын
This guy is the 1st guy in show for whom i feel like "yea koi alag hi gola ka hay".. Though i also know a friend like that...
@archit617 Жыл бұрын
Dude already got 7 Dragon Ball, he can have anything he wants 😁😁
@Bhartiya155 Жыл бұрын
Thats why financial knowledge is very important in today's life.
@Ashok-n9 Жыл бұрын
Major chunk of salary goes in tax...for middle class...this is also a big concern. If a person is earning 1lakh of which close to 12k + will be income taxe and supporting a family of 4 dependents then how can he save money ?
@ap-nr3zi Жыл бұрын
Good video. People don't understand that some people can't manage money properly. Respect to this guy to share his mistakes. Hope he overcomes his mistakes. But i want to add a point that thinking of savings 100cr is not realistic at his condition. Maybe it will be in future depending on his decisions and growth in his career. Good luck man!
@sbg6935 7 ай бұрын
This guy is so clear with what he wants in life , where he is lagging... Self aware soul!!
@AutoPulse Жыл бұрын
This is a guy from IIM. I am wondering which businesses these guys are appointed to run 😂
@akashgope6332 Жыл бұрын
Byjus
@619ry7 11 ай бұрын
@@akashgope6332no wonder shit byju's is drowning
@akashgope6332 11 ай бұрын
@@619ry7 Thank you ,for telling
@tum180 Жыл бұрын
I love this guy ...the most chillout guy ever ....buying 30 lakh car in just one go ......10:41 cutest guy ever 9:59 what egg is this ???
@WHITE-pz8sv Жыл бұрын
Dragon Ball z
@multiplewaya-qk7uq Жыл бұрын
Atleast he is happy than 90% of people in comments.
@TheGeorgeous Жыл бұрын
Happiness is relative. Some are happy with crores in the bank spending pennies. Others are happy spending crores with pennies in the bank
@stephenwilson4931 8 ай бұрын
@@TheGeorgeous 90% abusive people are just broke and jealous😅😅
@ivy0912 Жыл бұрын
I bought a car recently for 11.75 lakhs, with no loan! How?…i delayed my gratification and waited enough to save up this much amount of money so that I so not have to take up a loan. A lot of people with less than my CTC drive cars better than mine. I love my car and made a very good decision to wait and not take a loan. I believe this is exactly what these people lack in today’s time - sense of delayed gratification!!
@MILINDNEWTON Жыл бұрын
I make 19lpa. I have no EMI to pay, having my own house. Investing most of my salary in building assets like rental rooms and family business.
@gauravsoni4423 Жыл бұрын
Hey, can you share some advice on building and managing rental rooms. I want to start something in parallel which generates monthly income, so that I don't entirely depend on my job, would love to have some advice
@theaimboy18 Жыл бұрын
I completely agree with this hack "Detach yourself from the money taps".
@vbnandu867 Жыл бұрын
For those making fun of this guy.Look at the confidence in his voice. Know that he has a big cushion, that's his dad n mom's savings. I am pretty sure they would have done well in their finances and he consciously or subconsciously knows that he can rely on them if he slips. Secondly he has a wise wife who does the savings and should have some emergency savings already.. Even if he saves 30% of his income for the next 10 years he is done. He is in a job whose skill only becomes better with age - customer success and his income is only going to rise with an IIM tag. I am happy he is living his life.. All the more power to him. I would advice him to give some to charity purposes 👍👍
@Thuglyf69 Жыл бұрын
True! Baaki log ki bohot jal rahi hai 😂
@Black_Cats_ 10 ай бұрын
34 years PM with thoughts like a 9 year old kid
@Vishwas997 Жыл бұрын
Yeh Banda life jee raha hai ,i have seen many like him jo shauk poore karne ke liye life jeeta hai . I think he has his own way of living,so we should not be too judgemental. But he should be hiring a financial planner for his family.
@karanespanol011 Жыл бұрын
Probably the pwrson who needed Financial guidance the most!
@harshpatel105 Жыл бұрын
lol
@999mrabhinav Жыл бұрын
We need suggestions only in case of investments today. For savings, just listen to your parents. Also, try to differentiate between want and need.
@jlakra5729 Жыл бұрын
It's funny when he said spending is my department and saving is hers. Hopefully na ho par kabhi divorce ki baat aayi toh brother is done for
@swiss512 6 ай бұрын
His father and wife both are working and saving almost their entire salaries. Plus they might be having good amount of ancestral wealth. Therefore this guy is so relaxed & his spending habits will not make him insecure, although he must not spend that much but given his financial condition he can.
@prathameshshingvi855 Жыл бұрын
Anshuman hats off man .. I would have collapsed laughing after every answer of this IIM grad.
@Gamer-monk. Жыл бұрын
Awesome learning. My takeaway is that you don’t learn anything practical at IIMs 🤣😃
@Thuglyf69 Жыл бұрын
Wah! Supreme court ya high court? Kaha ruling karta hai bhai!?
@Gamer-monk. Жыл бұрын
@@Thuglyf69 😎😂
@manjunathams8865 Жыл бұрын
Everyone will not be judicious in spending.. so be patient and listen to his entire story. 😊
@ameerbuhari8275 Жыл бұрын
For this case i suggest to redeem your stock holdings and close personal loan which is in high rate of interest.
@Ankitksha Жыл бұрын
Money can't buy happiness , stability , success ,peace of mind etc. etc. if one doesn't know what his/her actual goal is.
@saurabh_mahurkar Жыл бұрын
For 100 crores, you need approximately 536 years, Mr
@deshbandhugupta3600 7 ай бұрын
Excellent suggestions to the person concerned .... really eye opener for other guys ..... 👌👌
@JCautogen 10 ай бұрын
Out of 9 gemstone he wear 7…..his astrologist also gains more
@somrajgupta7603 Жыл бұрын
I can relate to him 😛 somewhat, in terms of salary.... But I am staying in Kolkata and not Bangalore, I didn't bought XUV700, I am buying Altroz.... And that too I am buying since: 1. my EMI is less than 15% of of my monthly income 2. My Car EMI is also bit less than my Rental Income from my Flat
@arjunmohandas8870 7 ай бұрын
so wat
@barry_allen558 Жыл бұрын
Someone give this dude The Psychology of Money book and make him read it twice at least.
@navinpoojary1981 Жыл бұрын
This guy has made a point to spend all his money. He will continue doing this till he is broke. Living larger than life and extraordinary one. 30K on Subscriptions ?? Car = annual Package.
@ankurhotnot Жыл бұрын
On first day for me. PPF , mutual funds sip and nps deducted. Then I use rest income for other things 🤣
@bloodthirstyworks Жыл бұрын
Guys in comments. Please dont make fun of the ppl who come in these shows. They know they are fkd up and thats why they are seeking help. This dude although his financial planning is all haywire sounds like a good individual who cares about his family. Help him with his issue, do not berate him.
@RinkuNegiME Жыл бұрын
Yr ese loogo ko dekhr tho khud p bahut proud hota hai😂🤣
@dm7948 Жыл бұрын
exactly 😂
@YogeshKumar-sk9xm 8 ай бұрын
Anshuman I think you'd end up writing a best seller about spending habits and finance management of current India
@sunny2253 6 ай бұрын
Bro, aquarium ka monthly kharcha sirf food ka hota hai (400-500 max). That too when you have just a freshwater african cichlid tank.
@candycane55 Жыл бұрын
100 cr at 50 with 0savings at 34! Iske paas vardaan hai kya😂 he might still get broke within 5 years
@spankomaster Жыл бұрын
Baap amir he Bhai, broke toh nhi hoga
@_stv1 Жыл бұрын
i feel so much better about myself after watching this guy. but have to give it to the guy, he's got some cojones 🙌🏼🙌🏼
@GowthamRaghavanR Жыл бұрын
I don't think these are real
@srikanthreddyaluri493 Жыл бұрын
Costly Cars and big houses are liabilities not assests,so it's better to take modest house and car which are useful,but not costly enough to bankrupt
@mompreneurlife Жыл бұрын
❤hmm i like the real-life perspective of how to achieve financial freedom.❤
@amitsuju Жыл бұрын
Me: Mujhe ek lavish life jeeni hai par pata ni kyu mere paise ni Bach rahe. FYI! If his wife is saving her money in her account someone needs to tell him it's not their saving it's her saving. He is at a big risk financially. They should have a joint account and expenses should be managed through that where both of them contribute and then spend and save.
@spankomaster Жыл бұрын
Uske baap crorepati he bhai
@souvikghosh5768 Жыл бұрын
Kiya tha ye bhai 🤣🤣🤣🤣🤣 Car Weird stock picking Alag hi chal raha hai bande ka Last me 100cr ki expectation Gazab
@lucifer8163 Жыл бұрын
Amazing video as always 🎉 love from Odisha ❤❤❤
@ThehungryTrader Жыл бұрын
Only buy depreciating asset when u have enough money to buy it three times . Otherwise dont😊
@TheGeorgeous Жыл бұрын
Baleno ki jai Ho
@OmGupta-xp7re Жыл бұрын
kya faida IIM se passout hone ka jab ye mentality ho... very sad for them as a couple
@roronoazoro5099 Жыл бұрын
He gave all perfectly good advice, the only thing still hurting is him calling dragon balls as eggs
@amitchopra22 10 ай бұрын
When he said he needs 100 CR for retirement ....this shows he has no idea about to plan for retirement in 16 years...some mutual fund guy gave this numvber to him... look 1.5 lac salary and he is thinking for 100 CR...wow ...
@globalservicesco.1796 Жыл бұрын
This is the story of all household .. many couples do that .. ke wife’s entire amount will be saved and the husband will spend his money . Which is ok .. But what I see most cases is that the husband gets to buy impulsive things or things he desires , but the wife is having to curtail on her wishes n desires n depending on the husband for her expenses and most times she would rather save money than buy stuff for herself . This video is such a clear example of this
@Pravinchaudhary01 Жыл бұрын
10:44 his wife expression
@mast420kalandar Жыл бұрын
Man I am thinking of people who work with him or under him. Unrealistic expectations and no plan whatsoever. I doubt he can make even a realistic proposal
@gargantuandutt7025 Жыл бұрын
Highly Appreciate the content, honest helpful. Thanks man
@AverageAJS 11 ай бұрын
He is keeping Indian economy vibrant ! No doubt, New Tax Regime is a thoughtful introduction.
@ambition4195 10 ай бұрын
Lol
@AndrewT343 11 ай бұрын
IIMs Alumni Association be like -Hume inse alag hai.
@abhishekgang1 Жыл бұрын
I would be surprised if could even build 50 lakhs at 50 years of age, building corpus is like building your body, requires tones of discipline, consistency and knowledge
@Zidane159 Жыл бұрын
Only take away watching these videos are, Dil mein sukhoon milta hai jaanke mostly public ke lagi padi hai, iam getting around 10.5l annually still in debt trap 😂😂😂
@rahulvarma2100 Жыл бұрын
A man who is 40, debt free, 2Cr corpus,25K passive income, 8 years kid, How do you see financial life further into his second innings?
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