How He Retired At 37? | The 1% Club Show | Ep 6
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From CA rank holder to retiring at the age of 37. Meet Sandeep Agarwal who started his earning journey, by joining the treasury sales department of SBI and eventually working his way to the top management of BNP Paribas -Dubai.
When his company asked him to relocate, he decided to retire instead and left his cushy job in Dubai and moved back to India. Currently, he is a derivatives trader and a part-time farmer who enjoys spending time with his family.
We also spoke about how someone can retire young, the mindset required to retire young and manage their corpus during their retirement.
Sandeep Agarwal: www.linkedin.com/in/sandeep-a...
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Time Stamps:
(0:00) : Highlights
(0:30) : Introduction
(1:02) : Sandeep's Networth
(1:56) : Money Allocation
(4:13) : Real Estate in India - Pune vs Mumbai
(5:02) : Why Did He Retire Early?
(6:50) : Career Trajectory
(8:47) : How He Achieved F.I.R.E
(10:09) : Return To India
(11:00) : Surprising Revelation
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Sharan Hegde is a personal finance expert who has been featured in Forbes, Economic Times, Mint, Times of India and many more. He is the Founder of The 1% Club, India's biggest finance community which helps people achieve financial independence.
Instagram: / financewithsharan
Facebook: / financewithsharan
LinkedIn: / sharanhegde
Twitter: / financewsharan
#financewithsharan #retireearly #retirement #personalfinance
@PhilipsJameszang Ай бұрын
A financial planner informed me Saving as least 15% of your income in a 401(k) will help you retire comfortably. How can you take advantage of compound interest and perhaps increase your retirement funds over time?
@BINDERANDREAULRIKE Ай бұрын
In such cases, it is preferable to seek professional assistance because critical judgements are best led by specialists with market experience.
@WilliamsTyler5 Ай бұрын
True, I have contacted a brokerage Advisor. With an initial starting reserve of $80k, my adviser selects the entry and exit instructions for my portfolio, which has grown to around $550k.
@SabrinaaDolph-y4y Ай бұрын
I've been considering switching to an advisor for some time. Could you please let me know who your advisor is?
@WilliamsTyler5 Ай бұрын
My CFA 'Melissa Jean Talingdan' is a well-known figure in her field. I recommend doing additional study on her credentials. She has extensive knowledge and is an excellent resource for anyone wanting to navigate the financial market.
@BINDERANDREAULRIKE Ай бұрын
I searched up her profile online using her full name, then emailed her to schedule a meeting. I hope she responds soon. Regards.
@danieltaylor--65 Ай бұрын
As an investment enthusiast, I occasionally wonder how top-tier investors become millionaires through investing. I have a big amount of money to begin with, but I have no idea what tactics or paths I should take to help me earn more than $400k like several others this season.
@Angelinacortez495 Ай бұрын
That does make a lot of sense; you appear to understand the market better than we do. This coach is who?
@Riggsnic_co 3 ай бұрын
With Roth IRA, the money you are contributing has already been taxed. At any time for any reason, you can withdraw your contributions tax-free and penalty-free. Additionally, any earnings on investments can also be withdrawn tax-free and penalty-free, Not sure how much to contribute, I'm still at a crossroads deciding if to liquidate my $338k stock portfolio.
@Ashley186fre2 3 ай бұрын
For the average person, the strategies are fairly demanding. In actuality, most professionals who have the necessary abilities and knowledge to complete such occupations do so successfully.
@LindaHaire 3 ай бұрын
Accurate asset allocation is crucial. Some use hedging or defensive assets in their portfolio for market downturns. Seeking financial advice is vital. This approach has kept me financially secure for over five years, with a return on investment of nearly $1 million.
@kevinmarten 3 ай бұрын
Mind if I ask you to recommend this particular coach you using their service?
@LindaHaire 3 ай бұрын
Carol Vivian Constable is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..
@kevinmarten 3 ай бұрын
She appears to be well-educated and well-read. I ran a Google search for her name and came across her website; thank you for sharing.
@skk5815 9 ай бұрын
Sharan .. let him complete sentence...chill man
@Lunatic7 9 ай бұрын
😅🙏
@donaldpinto 9 ай бұрын
Continuous interuption even stops our flow of thoughts
@JugalWaghela 9 ай бұрын
Yesss
@GamingVidzs 9 ай бұрын
i saw your comment first before seeing the video… then i realised how annoying was it when Sharan kept interrupting
@ankith1316 9 ай бұрын
*Listening carefully is a skill...* 😅😅
@lawrenceHart-ys2ct 6 ай бұрын
My expectation is for 2024 that markets starts to broaden out more,” what if the interest rates go up? i have a ton of questions....can I safely invest my $800k? I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my portfolio for retirement, but don't know where to start.
@lucasanderson8993 6 ай бұрын
It's crucial to have a well-thought-out strategy and not make impulsive moves based on short-term market fluctuations. Patience and a long-term perspective are key. You should consider a market expert to guide you
@benjaminsmith3469 6 ай бұрын
True, A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for license advisors and came across someone of due diligence, helped a lot to grow my reserve notwithstanding inflation, from $275k to approx. $850k so far
@lawrenceHart-ys2ct 6 ай бұрын
Fantastic! can u share more details
@benjaminsmith3469 6 ай бұрын
There are several independent advisors you could research. However, I have been working with “Natalie Carol Nielson” for almost four years, and we get along great. If she appeals to your judgement, you could continue with her. I support her.
@lawrenceHart-ys2ct 6 ай бұрын
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance
@FusunTumsavas-cq7tp 7 ай бұрын
Lately, I've been contemplating retirement, uncertain whether my 401(k) and IRA will ensure a secure future. I've also invested $800K in the stock market, experiencing fluctuations without substantial gains.
@ericmendels 7 ай бұрын
Using a 401(k) or IRA is a valuable strategy for retirement planning, providing potential savings growth and tax advantages. While the stock market is promising, expert guidance is essential for effective portfOlio management
@DanielPanuzi 7 ай бұрын
Opting for an invest-ment adviser is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfOlio has surged by 45% since Q2.
@RossiPopa 7 ай бұрын
Who is the coach that provides guidance for you? I urgently require assistance; my stock portfOlio is stagnating, and I need invest-ment advice for retirement.
@DanielPanuzi 7 ай бұрын
Christine Ann Podgorny is the licensed advisOr I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
@RossiPopa 7 ай бұрын
I searched for her name on the internet, found her page, and reached out via email to schedule a conversation. Thank you.
@vnagabhushanam 8 ай бұрын
I followed FIRE. Retired at age 48. My suggestions - have own furnished house, car etc before it. Plan finances & future well depending on your personality & vision- take good insurances, save prudently in Banks & real estate. Lead a disciplined life style, be teetotaller, develop healthy emotional relationships and networks. Be a busy bee in keeping your mind young & conscious by making use of SWAYAM portal with growth mindset. Serve the society. Enjoy happy life with goal of well being❤❤
@aksharaschool1811 27 күн бұрын
Crisp clear and to the point
@Eric_moore484 7 ай бұрын
Initially, my retirement strategy involved retiring at 62, engaging in part-time work, and diligently saving money. Nevertheless, exorbitant prices across all commodities have significantly disrupted this plan. I am apprehensive whether individuals who navigated the 2008 financial crisis encountered less challenging circumstances than what I am currently facing. The volatility in the stock market is a cause for concern, especially as my income has declined. Consequently, I worry about not accumulating sufficient retirement savings, given my reduced capacity to contribute as substantially as I did before.
@Eric_Dennis 7 ай бұрын
Everyone needs a different stream of income , unfortunately having a job doesn't mean security due to the high rate of tax , one needs to move ahead their expectation, I would recommend refraining from investing in stocks for now. Instead, it would be prudent to consider retaining a portion of your assets in gold. Alternatively, seeking advice from a financial advisor could provide valuable guidance in this matter.
@Olivia-z5c 6 ай бұрын
Very true, you can be passively involved in the markets and still amass wealth-gains using an investment advisor. I first dabbled in stocks late 2019, just before the pandemic, and that same year gained over 150% with no prior investing experience, basically all I was doing was following directions of my advisor. We are working on a retirement ballpark of $3m and I’m certain my goal isn’t farfetched after subsequent investments and tremendous returns so far.
@ben_dukeson 6 ай бұрын
I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your coach?
@Olivia-z5c 6 ай бұрын
There are a lot of independent advisors you might look into. But i work with Stacie Lynn Winson and I have been working together for nearly four years, and she is excellent. You could proceed with her if she satisfies your discretion. I support her.
@jimmydan12 6 ай бұрын
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance
@SuperStarScorpion 9 ай бұрын
Please get people who have worked in India and achieved FIRE at 37.. That will be some real case.. This video is not an apple to apple comparison
@Abhijit29 9 ай бұрын
Agreed
@manivannanjegadeesan6822 9 ай бұрын
Sharan don't have this kind of lunatic interviews just you to earn money. The basic is any person working with good salary in abroad they earn quick. The guy you have interviewing may be lived in the cheapest city of Dubai and saved a lot of money. Eg. You can easily earn 1 crore within 5 years having a mixer life in Dubai if tiu have a good salary. Today 1 cr fd will fetch 60 to 70 k per month. He earned hard by compromising so many things and this guy what going to do my retiring early. He goes for cycling bullshit. Still he is afraid of money , ask him to go to a village next to kanchipuram, he will get 5 bhk at 20,000 and 20000 will be other expense. What you do is for your own benefit. Bulkshit
@manifest2203 3 ай бұрын
Agreed.
@mohanchimalakonda9679 Ай бұрын
yes very much so, even folks working 18 hours a day in jobs in Private Equity, will not be able to accumulate 10 Crores by 40
@Jansheenv Ай бұрын
I am india and retired at 38. I had education loan house loan some 50lakh personal loan. I was too not best employee
@user-gm4gv8uf6z 9 ай бұрын
He said he was not an exceptional student but went on to get AIR 25. 👌🙌
@kalaivanis1298 8 ай бұрын
He didnt meant in this way, watch again
@manifest2203 3 ай бұрын
Yes. I caught that too. He is exceptional.
@Brodin-id8re 8 ай бұрын
Planning retirement has never been this confusing! First SVB, then Signature bank and now First republic, these are all the signs of yet another 2008 market crash and recession 2.0, so my question is do I still save in the United States dollar, or could this be a good time to buy stocks? So I’m left wondering what 2023 has in store for us investors, I’ve been sitting on over $745K equity from a home sale and I’m not sure where to go from here,
@JaneBlac- 8 ай бұрын
Everyone needs a different stream of income , unfortunately having a job doesn't mean security due to the high rate of tax , one needs to move ahead their expectation, I would recommend refraining from investing in stocks for now. Instead, it would be prudent to consider retaining a portion of your assets in gold. Alternatively, seeking advice from a financial advisor could provide valuable guidance in this matter.
@SerinaGliues 8 ай бұрын
true, A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for license advisors and came across someone of due diligence, helped a lot to grow my reserve notwithstanding inflation, from $275k to approx. $850k so far.
@Agatha.wayne0 8 ай бұрын
Do you mind sharing info on the adviser who assisted you? been saving for pension since age 18 - company scheme. along the way I hit higher tax, so I added to my company pension with a SIPP (tax benefits) I'm 46 now and would love to grow my finance more aggressively, there are a few cars I still wish to drive, a few mega holidays
@SerinaGliues 8 ай бұрын
I really don't like making such recommendations, because everybody's situation is unique. But there are many freelance wealth managers you could check out. I have been working with "Stacie Lynn Winson" for about four years now, and she's really, really good. If she meets your discretion, then you could go ahead with her. I endorse her.
@jimmydan12 8 ай бұрын
I just checked her out and I have sent her an email. I hope she gets back to me soon
@praveenprabhu7854 9 ай бұрын
We need case studies of people who made FIRE possible with their 9-5 job in India, no inheritance. What was their investing style, life style, money philosophy. Anyone can achieve FIRE with overseas job and high paying roles..unless you are not investing at all. Thats a given.
@padmashreepadma6151 9 ай бұрын
Yes these insights help a normal working professional to incoporate the learnings. This was just like a chit chat
@amank1939 13 күн бұрын
well even people working in IT in india can achieve FIRE the key is that you control your expenses. even 10 lakh an annum is good enough in a small town in india considering you don't have to travel no work pressure better health and plenty of time to invest.
@Patriciabanks5 8 ай бұрын
As a soon-to-be retiree, keeping my 401k on track after a bumpy 2022 is a high goal. I've read about investors generating up to $250k ROI in this present sinking market; any suggestions for increasing my ROI before retirement would be greatly appreciated.
@Johnlarry12 8 ай бұрын
there are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment experts or advisors with experience
@emiliabucks33 8 ай бұрын
A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
@carolpaige2 8 ай бұрын
Please can you leave the info of your investment advisor here? I’m in dire need for one.
@emiliabucks33 8 ай бұрын
Natalie Lynn Fisk. You can easily look her up, she has years of financial market experience.
@carolpaige2 8 ай бұрын
She appears to be a true authority in her profession. I looked her up online and found her website, which I browsed and went through to learn more about her credentials, academic background, and career. She owes me a fiduciary duty to act in my best interests. I set up an appointment to use her services.
@trazzpalmer3199 5 ай бұрын
I feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.
@Nageshmokashe 8 ай бұрын
So how he achieved FIRE at the age of 37.. Cleared CA in first attempt, . Started working in investment banking domain, worked for 10+ years in Dubai, saved a lot of money, moved to Mumbai, then Pune.. and voila FIRE achieved.. I was expecting something meaningful to learn from this video.
@Short_Simple_Solutions 2 ай бұрын
I completely agree was waiting till the end but no meaningful advice
@keyurpatel1982 2 ай бұрын
There is no meaningful advice in any of these videos other than earn 1 crore per year to retire early.
@santhipbalakrishnan1048 9 ай бұрын
don't get fooled by this guys, he is CA, most of the guys are well off in good paying job who retire early, ordinary Indian mild class people can't retire that early... if planned well may be at 60..
@ericwilde4583 7 ай бұрын
Invest early, invest often, stay invested. Buy a good cross section of an economy and you should do well over the long term. The market will be high in 10 to 20 years, and significantly higher in 30. It's almost impossible for a company with no debt to go bankrupt. Canada is about 3% of the global marketplace, U.S. is about 50%, remainder on the globe is 47%. Pay yourself first. It's time in the market, not timing the market. i stay untop of the market with my FA Emily Lois Parker. Bulls and bears make money, but pigs get slaughtered. - some wise words -
@gagnecaron658 7 ай бұрын
Thank you, this was definitely worth the read, as an Investors may avoid making decisions out of fear of regret. This can lead to inertia, where individuals hold onto cash rather than invest, fearing they will make a wrong decision.
@stephmeldrich6765 7 ай бұрын
Thats interesting, i wasn’t familiar i will look her up and drop feedback, she seems really interesting
@JosephineGaule 7 ай бұрын
Truly It's all about using assets with compound interest to amass riches.
@robertthurmond8161 7 ай бұрын
I looked up Emily Lois Parker on the internet out of curiosity; she has a strong résumé
@robinsonbaker1963 7 ай бұрын
Geez, strong performance in 2023. Congrats! Kick down those Wall Street doors
@robertfernandes302 9 ай бұрын
Hi Sharan, thanks for bringing in Sandeep Agarwal. Happy that he achieved FIRE at his young age of 37. Congratulations💐. As someone rightly said, the session could’ve been longer one with questions such as his passion and life’s ambition? How he spends his day? His achievements apart from achieving FIRE? Etc. Etc. 12.24M is a shortest session I ever watched on your channel! Look forward to see more. Thanks
@anushinfobase3159 9 ай бұрын
Very nice. Very insightful.. Perfect sharp questioning by Sharan. ಬೊಂಬಾಟ್ ಶರಣ್. ತುಂಬಾ ಇಷ್ಟ ಆಯ್ತು. ಹೀಗೆ ವೀಡಿಯೊ ಗಳು ಬರಲಿ.. 💕
@karthigeyan143 9 ай бұрын
So, if u work in india you will be in fire for growth, if u work in other countries you can achieve fire . Especially without paying taxes in Dubai... here in india i feel like i am working to pay taxes ...
@allamaprabhuani 9 ай бұрын
habibi, come see UK/Germany people cry every month looking at their detailed pay slips
@TheLegendSpeaks 9 ай бұрын
True man.. with 30% income tax, 18% GST ..our whole life is to earn to pay tax. 😢
@sg-hl8eg 6 ай бұрын
Go to uk or canada you will pay more taxes
@karthigeyan143 6 ай бұрын
@@allamaprabhuani but you still earn good money to bring back to india and live like king . If you live in UK/Germany then u r also middle class like me, But if you come to india, you are rich then me... you still missing this calculation bro. do you have capital gain tax in us/dubai or any other place for selling your property, in india you have...
@gingerkilkus 9 ай бұрын
Retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My parents both spent same number of years in the civil service, but my mom was investing through a wealth manager, and my dad through the 401k.
@leojack9090 9 ай бұрын
This is true. I'm in my mid 50's now. My wife and I were following this same trajectory. Last two years, I pulled out my money and invested with her wealth manager. Not catching up with her profits over the years, but at least I earn more. I'm making money even before retiring, and my retirement fund has grown way more than it would have with just the 401(k). Haha.
@TomD226 9 ай бұрын
Its unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $87k passively by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.
@lowcostfresh2266 9 ай бұрын
@@TomD226 I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same.
@TomD226 9 ай бұрын
@lowcostfresh2266 Firms can be unscrupulous as they prioritise their own commission over your profitability. On the other hand, I prefer working with individual investors like Laurel Dell Sroufe, who only take a share from your profits, not your initial capital. I must say, my experience with her has been exceptional thus far.
@raghulb290 9 ай бұрын
My first visit to this channel and the interview.. it looked more like an interrogation than an interview by the host of the show.. but the guy was so chilled and replied calmly with absolute clarity..🎉
@remoterish 9 ай бұрын
Love the FIRE concept and I was working toward my FIRE goal and achieved it when I turned 32 last year. However since then I have come to realize I appreciate only the FI part of FIRE. While the freedom to retire is there I love to keep working on my passion. Great interview which a lot of insights
@shane7xx 8 ай бұрын
SIP done throughout the year?
@pramitmajumder6738 9 ай бұрын
This one was an exceptional interview. More of these
@jessicamamikina7648 9 ай бұрын
I'm not kidding when I say that the market crash and high inflation have me really stressed out and worried about retirement. I've been in the red for a while now and although people say these crisis has it perks, I'm losing my mind but I get it Investing is a long-term game, so focus on the long run.
@jamesmaduabuchi6100 9 ай бұрын
I can’t focus on the long run when I should be retiring in 3years, you see I’ve got good companies in my portfolio and a good amount invested, but my profit has been stalling, does it mean this recession/unstable market doesn’t provide any calculated risk opportunities to make profit?
@wilsonjudson1650 9 ай бұрын
There are a lot of strategies to make tongue wetting profit especially in a down market, but such sophisticated trades can only be carried out by proper market experts
@jessicamamikina7648 9 ай бұрын
I’ve been down a ton, I’m only holding on so I can recoup, I really need help, who is this investment-adviser that guides you?
@wilsonjudson1650 9 ай бұрын
Definitely! All of this happened in less than a year after *STEPHANIE KOPP MEEKS* told me what to do. I started with less than $100,000, and now I'm about 18,000 short of having a quarter million dollars!
@jessicamamikina7648 9 ай бұрын
She appears to be well-educated and well-read. I just ran a Google search for her name and came across her website, thank you for sharing.
@adig478 5 ай бұрын
This was complete waste of time, no investing planning, no numbers, no stategy.. just two people talking with no takeways for viewer. The value for you time is watching ETMoney,Wint wealth and Shankar Nath
@pankajsukhani2718 3 ай бұрын
Completely agree wasted time
@HandsomeGuy-yt5rb Ай бұрын
You are not made for the 1% club.. understand the things he is sharing... The way u should see money, retirement, and life... That's what is shared here.. no where it's mentioned abt the investment strategy...
@anishjha7059 9 ай бұрын
There was no discussion around how he achieved that 75x annual expenses?
@sarthakchand 9 ай бұрын
Such a modest person - calls himself lazy and not an exceptional student/employee; but he’s secured AIR 25 in CA exams and got many promotions in BNP Paribas (in his own words).
@INSPIRE-BOND-jc5pw 9 ай бұрын
Modest nhi c tya bana raha hai
@sg-hl8eg 6 ай бұрын
😂😂
@Hixmer 5 ай бұрын
@@INSPIRE-BOND-jc5pw Ninja Technique
@akshayw6914 9 ай бұрын
Can you bring someone who is not a CA or have MBA degree from top bschools? And also he should be living in India throughout the life and have reached this stage.
@ramabhadranganesh4702 9 ай бұрын
If you work in India even till the age of 50; you will not be financially independent; NRI's retire early and most of them prefer to have majority of their liquid cash as dollars or Dirhams / GOLD so that they can naturally beat inflation
@BuzzMotivationYoutube 9 ай бұрын
Come on Sharan ! You don't ask a Woman, her age, Men, their salary and Chartered Accountant, their Attempt. You broke the '4th golden rule of accounts'.
@ramabhadranganesh4702 9 ай бұрын
Awesome bro.
@LucyGreen-jg6pi 3 ай бұрын
🤩Thank goodness you brought this up! I'm favoured, $60K every week! I can now give back to the locals in my community and also support God's work and the church. God bless America,,
@just_wendy9290 3 ай бұрын
Do you have any tips for those of us who are just starting to dip our toes into this world ? Thanks for sharing your story!
@thegreatyorker6132 3 ай бұрын
Do you mind sharing info on the adviser who assisted you? I'm 29 now and would love to grow my portfolio and plan my retirement😊
@LucyGreen-jg6pi 3 ай бұрын
Lisa Winters Financials is the licensed CFP I use.Just research the name. You'd find necessary details to work with to set up an appointment
@ThomasKralow-iw8bi 3 ай бұрын
I am so fortunate that I made productive decisions about my finances with Lisa winter financials’s guidance which changed my life forever.
@thegreatyorker6132 3 ай бұрын
Thank you for sharing, I must say, Lisa appears to be very knowledgeable. After coming across her web page, I went through her resume and it was quite impressive.
@nithinjunior8116 9 ай бұрын
hard work pays off 💯
@jordangeorge403 8 ай бұрын
Mrs Jane The Bitcoin Trader is legit and her method works like magic I keep on earning every week with her new strategy.
@SantiagoGarcia-up7hm 8 ай бұрын
Wow I' m iust shock someone mentioned expert Mrs Jane thought I'm the only one trading with her
@SantiagoGarcia-up7hm 8 ай бұрын
She helped me recover what I lost trying to trade my self.
@sophieberen883 8 ай бұрын
She's really amazing with her skills..she changed my 0.5btc to 2.1btc
@alexlucas7264 8 ай бұрын
I think I'm blessed because if not I wouldn't have met someone who is as spectacular as expert Mrs Jane, I think she is the best broker I ever seen.
@scottreagan9796 8 ай бұрын
I still wonder how she gets her analysis, I got profit of $28, 609 with a capital of $4000 in 16 days of trading with her
@archanashah7636 6 ай бұрын
I loved the way sandip is so humble and grateful but immortal is not possible. Despite cracking ca he is so modest and down to earth. 👍
@roy2k03 9 ай бұрын
Which bank gives 15 years FD. I have never seen any public sector bank where you can do FD of 15 years. Maximum tenure is 10 years,
@albertabraham1103 8 ай бұрын
My uncle in army retired at 33 😂🤣🤣 .. gets free quota of liquor also 😂
@1990subhash 7 ай бұрын
😂..... He is more happy than this guy
@ZeroBOY-nj2uv 9 ай бұрын
Keep it up Bro 💪💯 0:05
@shrikantkhadilkar4019 7 ай бұрын
This could have had more details and some more specificity such as 1) what are the expenses that he is planning in the future ; 2) how has he allocated in terms of insurance; 3) what are his monthly expenses; 4) How has his expenses reduced when he retired
@djtech2629 6 ай бұрын
You say he retired after 37 years, therefore he was born between 1987 and 1985, is a chartered accountant, and started his first company in 1998. That suggests he joined the company at the age of 11-13 years.
@hmmmmm1278 9 ай бұрын
Bro sold derivatives to others and invested in FD himself 😁
@AbhishekRamesh1 9 ай бұрын
😂😂
@manudhawan26 9 ай бұрын
😂😂😂😂😂
@GamingVidzs 9 ай бұрын
😂😂😂 Then he realised its getting more difficult to fool people to do that… then might have said let retire😂
@SanaatanSatyaHai 6 ай бұрын
Sharan, allow the gentleman to express himself; he has accomplished what we aspire to. His step-by-step explanation was disrupted by your constant interruptions, making it challenging for us to grasp the essential details of the matter.
@preet2411 9 ай бұрын
Come onn.... I wanted to hear more saran. Have bigger sessions man. Still it was a good session. Love ya
@sunnysarkarwind 9 ай бұрын
🙌👏👏👏👏👏 good one sharan
@archanashah7636 6 ай бұрын
Great. Congrats to who have acheived fire. Another impt sharan u said is u have to be at the right place and rt time.
@michaelschiemer3 3 күн бұрын
More and more people might face a tough time in retirement. Low-paying jobs, inflation, and high rents make it hard to save. Now, middle-class Americans find it tough to own a home too, leaving them without a place to retire.
@Rachadrian 3 күн бұрын
The increasing prices have impacted my plan to retire at 62, work part-time, and save for the future. I'm concerned about whether those who navigated the 2008 financial crisis had an easier time than I am currently experiencing. The combination of stock market volatility and a decrease in income is causing anxiety about whether I'll have sufficient funds for retirement.
@derrickholfman2 3 күн бұрын
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.
@CindyValenti 3 күн бұрын
Being heavily liquid, I'd rather not reinvent the wheel. Since this strategy works for you, how can I contact your advisor?
@derrickholfman2 3 күн бұрын
'Annette Christine Conte ' is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment.
@CindyValenti 3 күн бұрын
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance
@richMindsRevolution 9 ай бұрын
🔥💰 Wow, "This Is How You Retire In Your 30's" is an absolute game-changer! 💼💸 Sharan is dropping some serious financial wisdom 📈💡, and this video is the ultimate guide to achieving early retirement! 🌴✨
@prasaddugyala7330 9 ай бұрын
Sharan can you explain real estate cost,rent in Hyderabad and cities in Telangana state?
@ruvaanmalkani6560 9 ай бұрын
What is F&O? What kind of CAGR does it give?I am a 22 year old.Should I invest my money in equity or F&O?
@shoaibmohammed1635 9 ай бұрын
Bro...first...learn investing and trading in equities for a year or so ..and then ....learn about F&O in the meantime...and then ..u can start trading f&o
@user-ng9dc1gg1b 20 күн бұрын
Hi sir.. does fire include all the assets like gold, real estate etc..or only having the liquid money
@nikhithatalasila 9 ай бұрын
Bro can you post a video for all the freshers who are starting their job recently please give them financial advice on how to save there salary for all there goals short term,long term,health and emergency please
@AJITSAHOO-ei7le 2 ай бұрын
Very casual talk, not very intense questions, anyway thanks for bringing up!
@Happysoul_3 9 ай бұрын
Retirement doesn't mean doing nothing and only travelling around the world. After retiring early main problem lies and in managing money and not over spending. We shouldnt chase a retirement age instead try to find some part time hobbies and try persuing a new career where money isnt the ultimate goal. Like some part time consultancy of any skill you have inherited.
@santhoshiboga6265 3 ай бұрын
I love the way he said he wants to live forever
@sanilnair Ай бұрын
This dude was already well-to-do right from the beginning... I have never seen anyone with BCom or BA like background achieve FIRE...
@neeldesaind 6 ай бұрын
Sharan is much curious and he's fast pace learing what he says great ❤
@PhilipOrlick 8 ай бұрын
I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Mrs Michelle Stewart
@roberthansen404 8 ай бұрын
wow.. amazing to see others who trade with Mrs Michelle Stewart, i'm currently on my 5th trade with her and my portfolio has grown tremendously.
@colleenballinger5919 8 ай бұрын
I invest with Mrs Michelle Stewart too, she charges a 20%commission on profit made after every trading session which is fair compare to the effort she put in to make huge profits.
@LiamMason947 8 ай бұрын
this is not the first time i am hearing of Mrs Michelle Stewart and her exploits in the trading world but i have no idea how to reach her.
@Jimwagner749 8 ай бұрын
As a first time investor I started trading with her, with just a thousand bucks. my portfolio is worth much more that now within just weeks of trading with her.
@katelynncox 8 ай бұрын
With the consistent weekly profits I'm getting investing with Mrs Stewart, there's no doubt she is the most reliable in the market. such a genius
@karthikgs9465 5 ай бұрын
Hey..!!! U just awesome man - Sharan...🎉
@marketgeek2647 9 ай бұрын
interview felt incomplete… you’ve learnt more from that persons experience…
@utu986 9 ай бұрын
Questions are🎂more than Answers
@mmdhs300 9 ай бұрын
Congratulations on 2.3 M subscribers
@drsatyamupadhyay 9 ай бұрын
7:32 He started in 1998 at what age? If he is 37 as of now ? Doesn't add up. Someone explain?
@culturalbhay8522 9 ай бұрын
He was 37 years of age in 2013.
@logicmedico 9 ай бұрын
This video is made now, at the age of 47, he has retired at the age of 37 in 2013.
@BLOODBR3ED 9 ай бұрын
Lovely Sandeep sir
@1984sharathnair 9 ай бұрын
do u think we understood any thing from this we didnt know the amount he fixed deposted, we dont know what he is getting now. can i retire my self with 10 lakh of fixed deposit
@Happysoul_3 9 ай бұрын
First time heard a FIRE person saying I am lazy😂 . Sir you werent lazy, your job in IB was very hectic. The got burnt out doinf long working hours in your job. Wish you all the best. Luck only comes to high achievers.
@VENKATESHGANTI 9 ай бұрын
10% in psu bank??? In which year?????
@TheLegendSpeaks 9 ай бұрын
All the time he didn't mention where all he invest and how he achieved the constant flow of money, whats his monthly expense, etc..
@livenotlive 9 ай бұрын
The marh doesn't add up, the guy in his livemint article said his monthly expense is 3lac also in this video saying, if we consider house the corpus increses from 50x to 75x. So 25x would be 9cr, dont think his 4bhk will cost 9cr in Pune. Also in mint article he said he retired with 100x monthly expnse.
@shivkdwivedi 6 ай бұрын
Despite discussing only their story, I would suggest to include some strategies they followed to achieve FIRE.
@ChaudharyAnkit1602 8 ай бұрын
How is he 37 when he started working in year 1998? Did he achieve fire 8-9 yrs back?
@padmashreepadma6151 9 ай бұрын
what was there to learn in this podcast
@HemaSankar-nm8eb 9 ай бұрын
I am college student trying to achieve financial freedom
@hemanthk6960 9 ай бұрын
😮😯 Which part of India are you from ?? Commerce background ?
@basantchoubey5137 5 ай бұрын
What is the value addition of such video..? If someone has earned good amount money, and retired early, then what is there for others here? I would have appreciated if the video would have shared some good useful and real idea which can help people, it would have been worth.. Someone sharing their current financial status, good for them but not for others I think..
@yashwanthdilipkumar818 9 ай бұрын
After 12 mins the video just has jargons and philosophy 😏 we want pol experience on how they managed to save and invest money !! Not simply calling luck and stuffs 🤷🏻♂️
@financewithsharan 9 ай бұрын
Got it bro! In the next one I’ll cover how they invest their money as well
@Somu621 9 ай бұрын
@@financewithsharanThat one would be much more interesting to watch.... This video was all techy and stuff
@keerthivasan3643 9 ай бұрын
In my knowledge what I am saying is, We few of us live in urban cities trying to show that we achieved something financially/the F.I.R.E, Just go back and see what we are living for, Just to satisfy our basic needs FOOD,CLOTHING & SHELTER, I will tell my favourite example film director VETRIMARAN, After krafting some greatest films in his career, He bought few acres of land in the outskirts of chennai and entered in farming and agriculture activities, This ensures he lives a healthy lifestyle, He will eat from what he created, Probably on Ancient days this is how the man's life were, This money making thing is a whole rubbish Day-1 salary credited, Day-2 started spending and paying the debts and the cycle keeps on continues until our lifetime ends.
@financewithsharan 9 ай бұрын
I agree with you
@rohitesh1 9 күн бұрын
Sharan, great fan of yours. Is it a worthwhile idea to also learn from people who failed. Lessons learnt from the mistakes they have done.
@vaishu_cutegal 8 ай бұрын
I am a govt. employee. My 80 c is full with housing loan rebate, term plans. Can I show my employer deduction of nps in 80ccd ib.
@sunildsaullal 7 ай бұрын
Thank u Anna
@jassu54 9 ай бұрын
This is my first video on Finances , Sharan/some one here help me understand how to get started to learn about Finances and F.I.R.E ?
@mvsbrahma5169 9 ай бұрын
Had a doubt here ? Since he has retired so for rest of his life he will only eat and spend from what he saved ?? Or side by side he invested too so that his money could grow simultaneously 🧐
@manivannanjegadeesan6822 9 ай бұрын
How much you are earing for these videos sharan, or what is the target you have aimed to reach
@shazdiva 9 ай бұрын
Let your guests talk. Like listening hearing is an art.
@nirajpopat8457 3 ай бұрын
Good podcast but giving a brief of money he earned in bnp Paribas was essential becoz it would know people how much financial independence person can achieve
@Yehkyapagalpanhain 9 ай бұрын
Which is a better return:: 112% per year or 190% in 5 year
@ashutoshmaharana2398 6 ай бұрын
190
@dbarun6010 9 ай бұрын
What he did to achieve fat fire , would have been much detailed....
@Deepak-qk1cx 9 ай бұрын
Yeah !! I learnt something ...
@shivamshaw4410 9 ай бұрын
Why aren't you on spotify??
@rockyabhay 8 ай бұрын
Immortality is matter of when.. not if it can be achieved.
@WARCRY_06 9 ай бұрын
The best way to become rich is to tell others how to become rich 😺
@A_Sen_0 9 ай бұрын
Work in middle east no tax is the key . In india i pay 45% tax .
@sg-hl8eg 6 ай бұрын
@@A_Sen_0when are you going to Middle East war zone 😂😂
@A_Sen_0 6 ай бұрын
@sg-hl8eg no war in qatar & uae
@drsandhyaiyer8346 9 ай бұрын
Dubai..no wonder he could achieve FIRE....come on..we can never have the same learning as him..also FIRE is again americanise India ..reason previous generation worked till the retirement age is because they wanted to be of service...now when people are only surviving for money...they will only chase money... this guy agreed he's lazy...how will such people enrich the country further...imagine doctors also chase FIRE and retire...where will you go for surgeries Sharan? Finance is just one aspect of life... Finfluencers have successfully promoted it as the only thing in LIFE...and please...what's the purpose anymore for this lazy guy to be immortal?
@ravitennis6686 9 ай бұрын
Due think schools, colleges, and Hospitals are there to provide free services to the public? Bloody everything in this human created world works for money/ high profits only. Fact of the matter is that there are only 1% who really believe in providing free service to others, like their are few doctors, teachers who works in remote part of Indian with very limited income. The rest of 99% heard are behind profits or higher income. Due to human greed lots of issues in each industry like specifically in health and education. Due to greed of more profit the COVID 19 virus was created in lab and the pharmaceutical company made a huge profit out of vaccines.
@allamaprabhuani 9 ай бұрын
I deeply agree that we shouldn't just focus on finances in life. but, FIRE is freedom, its not the end, its the beginning. Doctors/Engineers who enjoy their work, without having to worry about money can be of more service to the nation.
@AnmolSingh-xb9rs 2 ай бұрын
1 question 85% debt in savings means you have given loan to someone and you are earning interest on that ?
@spiritualharmony3152 9 ай бұрын
I have 3 years of annual expense. So a long way to go😮
@ravitennis6686 9 ай бұрын
@2:15 most shocking all most 85% of his investment is in debt, and not in stocks. On top of that he was a investment banker. Something fishy with his investment allocation.
@sangitaagrawal7419 9 ай бұрын
So i wanna know what is financial literacy and how can i achieve it As i m 15 yr old and parents are kinda more inclined towards study i wanna know how to start early
@manivannanjegadeesan6822 9 ай бұрын
Don't watch video of this guy, your life will be much better if do his life be better
@azimsha3190 9 ай бұрын
Not so useful ....what was his monthly salary ?? Only those who have huge salary can retire early ....
@financewithsharan 9 ай бұрын
It started with 15,000 per month. His last stint at Dubai would have probably paid him 2-3Cr a year
@ElectricityMarketInIndia 9 ай бұрын
Retiring early may sound good but beleive me you won;t be able to pass your day without a meaningful job....a career not only bring money but also engagements, social acceptance, discipline and opportunity to share and care.... else multimillionaires won't work
@kcpatel10 7 ай бұрын
Please make more video similar like this
@papandas2158 9 ай бұрын
15 years ka fd nahi hota hai. Maximum 10 years than you can renew
@arunkumarachari8990 9 ай бұрын
Agarwal... that's sums up the show within few minutes.
@Happysoul_3 9 ай бұрын
Haha baniya mindset😂
@ten4908 9 ай бұрын
True aggarwal jains metha Oberoi are richest in India
@bettysandra4817 9 ай бұрын
Thank you for this wonderful video! I have incurred so much losses trading on my own....I trade well on demo but I think the real market is manipulated.... Can anyone help me out or at least tell me what I'm doing wrong?
@Oliviajulia7191 9 ай бұрын
Same here, My portfolio has been going down the drain while I try trading,l just don't know what I do wrong
@GeorgiaGrayson 9 ай бұрын
Trading with an expert is the best strategy for newbies and busy investors who have little or no time to monitor trade
@samanthareahel8687 9 ай бұрын
YOU DON'T NEED TO BE SHOCK BECAUSE I'M ALSO A HUGE BENEFICIARY OF expert MRS EVA
@victoriajohn5065 9 ай бұрын
Here in Texas Expert Mrs Eva carries out the both orientation and mentorship
@maxluna4157 9 ай бұрын
I stumbled upon one of her clients testimonies and decided to try her out...I'm Expecting my third cashout in 2days
@AnmolSingh-xb9rs 2 ай бұрын
Fire - financiall independent retire early. I learned this through thsi podcast
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