Living on 21 Lakhs Package in India | Fix Your Finance Ep 23

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Күн бұрын

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Hello guys, welcome to another episode of Fix your Finance. In today's episode, I meet Rajesh who works as a senior backend engineer and Subhashree a human resource (HR).
In this episode, we cover
-Their income and expenses
-How to manage home loan ?
-How to plan for a car loan?
-Safe investment options
Enjoy :)
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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: 325

@swamagic2525 Жыл бұрын

I have seen this happening everywhere. Wife is too protective of her own money and wants all expenses from husbands account.

@rahulkathuria8250 Жыл бұрын

Why equality isn't considered in marriages, especially arranged. The way dowry is wrong, same way asking 4x-5x as minimum salary from male is. I agree male should contribute to house hold work equally but just understand company doesn't pay a person more if the gender is male. So no logic behind this as well. Request to all females to stop expecting such high salary. Marriage is a lifetime bonding, not to upgrade lifestyle. No feminist raise this inspite of this happening everywhere. Equality is two ways similar to loyalty. It isn't only when it benefits a specific gender.

@Km-qu6uj Жыл бұрын

Not everyone compares salaries. May be he has good experience and earning more and she is just starting out her career. The case may be reverse too. He may be starting out and she may be in good place. Money is important in today's world to lead good life. But the understanding is important here. However in many households women are married off early and not given a chance to choose their career paths before or even after marriage. Women are expected to take care of family more then men ( eg. Aging/sick family members and kids). That's how a male salary was expected to be enough for leading the family. This is not the greed of women. This is how the society is restricting women.

@rahulkathuria8250 Жыл бұрын

@@Km-qu6uj Lol you are talking about assumptions. I am talking about facts. 1. I have not considered women who are restricted. I am talking about females who completed their degree on time, working since last 6-7 years. 2. Equality works both ways. There is no sense of asking 50 lakh min ctc from 5 -7 lakh ctc female just for above things. That is just freaking greed.

@bkumar2386 Жыл бұрын

Single ho ??🤣 Gf he ?? Gf bhi tumko salary puchke bf banayegi... Arrange me toh bas poora khandan puchta he.. bas itna hi.. dowry maang kaun raha he sab de raha he apne hesiyat ke anusar.... agar tum acha kama lete ho to unke liye gift hote he...agar tum jabar dasti maang rahe ho tab dowry galat he..

@aalekhmania Жыл бұрын

Thank you so much for raising this point brother 🙏

@tamanna4697 Жыл бұрын

Shut up about no feminist raising this point, I believe in equality so I am a feminist, me and many other females call out this dual behavior, many feminist pages encourage women to stand up for their right as well as earn better so to support their families equally, ya'll only see feminazis claiming to be feminists(whom we feminists equally hate) and then do all women bs like how alpha dudes scream not all men under every post but then go on categorizing all women as gold diggers, listen many of us educated females have dignity and we do speak against feminazis as well as misogynists so don't mix up those gold diggers with us feminists. It's the same as if we mix up men's rights activists with misogynistic people.

@anirudhcarani735 Жыл бұрын

Problem with CRED is, it keeps sending payment reminders even after paying bills

@subin344 Жыл бұрын

He is a workhorse for his family

@rishabhsaxena1724 Жыл бұрын

Best part of these series is to know salary Kitna h or Kharcha barabar chl rha hai ya ni

@k.jayaramk.jayaram8766 Жыл бұрын

Please do expenses of govt employees (IAS, ips etc.) Because these are the popular jobs. So everyone wants to know their financial status

@sekharpriyansu Жыл бұрын

How would he ask an officer about his under the table income?

@Penaldogslayer Жыл бұрын

@@sekharpriyansu no officer will come on this piddi show dude.. No one joins the services for money.. The government is giving enough to afford a middle class livelihood and even after that a pension is guaranteed so you need not to do financial planning as well.. No need to meet quasi financial guru like this dude online..

@akshatsethi6384 Жыл бұрын

@@Penaldogslayer everyone joins govt job for extra money

@PranavRajWardhan Жыл бұрын

@@akshatsethi6384 not everyone, just the neeli bati gadi wale babu

@Raj-mb6uk Жыл бұрын

@@PranavRajWardhan nah, everyone

@SD_003 Жыл бұрын

Finally a realistic income couple. But his finances are sure screwed up 😢

@Djsivan Жыл бұрын

Congrats for 1L subs. Keep up the great content 🙂😊

@AvisekSen Жыл бұрын

21L pa is super cool and well ahead of most of the families in India... nothing to worry and Anshuman hai na guidance k liye

@Ankit_Dwiwedi Жыл бұрын

Great work #Anshuman Waiting for more videos to come!

@TravelwithBrindha Жыл бұрын

Interested to hear someone's FIRE journey. (Middle class background to Financial Independence - before Age 36)

@archanac6042 Жыл бұрын

Hi , Great job on what you are doing currently..Looking forward for finance videos with other professionals like Teacher / Doctor /Lawyer/Pilots etc.. Also, if possible get people who are aged more than 50 yrs..curios to know how people plan their retirement at that age..

@sunilk6714 Жыл бұрын

Yeah!!!! Agreed. Anshuman plz consider this comment. Its a great idea .

@yogeshgite3582 Жыл бұрын

Cool concept, fix your finance, keep it up.

@kartikt.s813 Жыл бұрын

Sweet couple. Good episode. I appreciate that Anshuman attempted to simplify the concepts, and also changed his tone to help get the point across. Well done, quite considerate of you.

@AryanSingh-cn4sb Жыл бұрын

Gold loan to fund the marriage itself is the worst financial decison

@basshunterdota625 Жыл бұрын

Very cute couple ,God bless them .

@Abhijit29 Жыл бұрын

Look at the guy 's face....it seems he is very responsible person.

@mvs_1980 Жыл бұрын

Loved the way you analyse the financial expenses and give the feedback. You are too good. Personally I love financial planning and Investment which is my big passion. Just like u have helped more than 70+ family and individual to correct themselves with respect to financial aspect and shown path for investment to achieve financial freedom based on the goals. I do what I say and I say what I do. Keep helping the society. Lots of love to you.

@ramamohanrajug Жыл бұрын

I feel that the 1st home loan tenure should be extended as long as possible to utilise the low interest rate and get the tax benefits. The tax benefit is not applicable to the 2nd home loan.

@nareshmahajan8957 Жыл бұрын

Good point however tax benefits are applicable for 2nd home loan also once either 1st one is closed or both doesn't cross the defined bracket by government.

@sekharpriyansu Жыл бұрын

The bigger question: does the home in his name? As it seems he bought the home in his parents name.

@varunragul Жыл бұрын

Tax can be saved in other forms as well to an extent but not fully. Considering the interest vs tax benefit would encourage to close the housing loan early.

@sujesh4684 Жыл бұрын

Most Home loan related tax incentives are applicable on the 2nd home as well. For availing some of the benefits like Sec. 80EE she can always purchase the home and call herself a first time buyer.

@MilindMishra Жыл бұрын

Love your work, keep doing this!

@swarupcodes Жыл бұрын

Why someone needs 5-6l for brothers marriage? If brother can't handle his marriage why will he marry?

@aarshavarsenal Жыл бұрын

Please do a video on expenses of PSU (Public Sector Undertakings) employees😊

@shivayshakti6575 Жыл бұрын

Yaar Anshuman ek hi dil hai kitni baar jeetoge, doing such an amazing work!

@akashjain4184 Жыл бұрын

IMHO FD is a better and safer option compared to debt fund, also delta return is quite small for the risk involved

@inbarasanthangamani1407 Жыл бұрын

Bro needs to learn about indexation 😢

@skevinfrederick Жыл бұрын

@@inbarasanthangamani1407 Indexation is gone now😢

@patel654shubh 10 ай бұрын

Liquidity is key..

@Akhilshark9 Жыл бұрын

Hey Anshuman I really liked your book recs in the description can you do a video on what books you read.

@mayurgupta2422 Жыл бұрын

Such a sweet couple

@dhananjayvaish3276 Жыл бұрын

Sad to see people taking loan for marriage.

@DrKallalPramanik Жыл бұрын

I would love to hear about someone's financial independence and early retirement (FIRE) journey by the age of 45/50.

@niranjanbhosale5101 11 ай бұрын

here its on wint wealth (kzfaq.info/get/bejne/j6h-lt2S0JnQgmQ.html)

@pkmatta Жыл бұрын

customer Mistake - Choosing 5 year home loan - closing home loan early is good but missing on opportunity cost on equity and tenure loss on equity positions. Losing around 4 to 5% every month you are paying to bank - Tax rebit will not get after 5 years - Gold loan is stupid, instead sell gold. On the average gold increase not more than 10%

@shilpamogarala292 Жыл бұрын

Good and sweet couple.May God bless you both

@rajdeepchandra9807 Жыл бұрын

I appreciate the way you are trying to educate the youth about finances and guiding them in investments. Thanks for doing this.

@prateekabhisheki8740 Жыл бұрын

Hello Anshuman, been following all your videos. Can you please make an episode with an NRI? It would be very helpful for people like me who have just started working after Masters in a foreign land.

@LKevin44 Жыл бұрын

i was about to comment this. we need an NRI episode

@ganeshkarri8880 Жыл бұрын

Thanks man for this video

@Nis_k 6 ай бұрын

1 concern - how can they afford car emi right now since it adds upto one more share of loan in monthly payments and crushes cash on hand??

@jaswanth094 Жыл бұрын

Glad too see the income difference 😅

@67suraj Жыл бұрын

Please do interview who's CTC is around 6-7 lac.

@neelsrv 10 ай бұрын

8:35 He is not overthinking. He is just concerned. Instead of this finance knowledge, I would rather suggest the lady to look for a change. (Change as in switching the company for a better pay).

@anshu3432 6 күн бұрын

Very good interview ❤

@keerthiv6283 Жыл бұрын

Sir , I started watching your videos recently and I feel relieved by seeing all these videos because i am from middle class family with very low income and like to go to iim.But the fees and it's repayment is always causing a big stress for me.I like to repay it my own.I don't want to spend more money by my parents.I paid my cat coching fees.please ...please sir can you tell how to repay if I take a loan because the interest rate is already increased....please can any one give suggestion......please guide me sir... Edit: By the way I don't tell you something... your videos are just 💥💥💥💥💥💥

@zetaforever4953 Жыл бұрын

If you can get into IIM, a very high salary is almost guaranteed after you get your degree. So paying back your education loan won't be a problem. But don't take out a loan to go to some random third tier MBA college. It won't be worth it

@keerthiv6283 Жыл бұрын

@@zetaforever4953 thanks for the reply

@Penaldogslayer Жыл бұрын

@@zetaforever4953 lol.. Nothing is guaranteed vro. Not a job in IIM as well..

@zetaforever4953 Жыл бұрын

@@Penaldogslayer well i mean we could be hit by a bus tomorrow, so technically that's true. But you have to plan your life taking into account the most likely scenario. And not getting a job after graduating from IIM is pretty damn unlikely.

@sonalibehera2129 Жыл бұрын

My husband went to iim Indore ,that time fees was 16lakh he took a 18lakh loan..the placement didn't go as per plans he ended up in lowest package still first 3yrs was okay then we got married finance was little tight with Europe honeymoon n all but after one switch it was surviabale,but after 4yr of marriage we are doing good.much better than his engineering frnds so it ll a struggle for 7-8yrs.

@sandeep_khangar Жыл бұрын

Bro , share this table link . It's looking awesome.

@kashihegde6900 Жыл бұрын

I was waiting for this 20L Video. Finally came. All thanks to anshuman.

@atitking Жыл бұрын

I guess you might be a software engineer

@yuvrajoberoi7834 Жыл бұрын

Please give some examples of safe and liquid investments. I have put up my emergency fund but it is in my bank account only.

@dericksoans7138 Жыл бұрын

Am I the only one who is too conscious about the salary difference between the two ?

@relaxedsoul2054 Жыл бұрын

YUP TOO MUCH OF DIFFERENCE

@userisofflinefornow Жыл бұрын

It's better than 0

@dhanushs1469 Жыл бұрын

Not everyone makes 20lpa. Sometimes careers take time to take off, Instead of noticing the difference you should appreciate that she is willing to work hard every month to make ends meet!

@soumyagupta9301 Жыл бұрын

Why should it matter anyway?

@relaxedsoul2054 Жыл бұрын

@@soumyagupta9301 I DONT THINK THE REVERSE WOULD HAPPEN THAT MUCH 🤔...WOULD NEVER SEE A GIRL EARNING 20 LPA AND GUY EARNING 25K...VERY RARE...NOTHING BAD BOTH SITUATIONS...BUT JUST A PERSPECTIVE

@PrabhakarPrabhakar-vw7nk 3 ай бұрын

Yes , drink water before tell No means No and after tell no means no do practice. Like drink then no ,drink no ,drink no........

@dinesh6489 6 ай бұрын

I think they have to cutdown their 10K every month for some travel. It's too huge when compared to other expenses they make.

@vineetnayyar8407 Жыл бұрын

Hi anshuman i work in bank.our bank pnb gives us loan on simple interest.i want to purchase a house .i have 10 lac spare amount and planning to take 60 lac loan . should i take loan or not.

@amritgeorgian Жыл бұрын

Such a sweet couple ❤

@MrSyedsadath 9 ай бұрын

Child's Education fee, Term Insurance, Endorsement amount, Festival expense yearly.. how should we save.? is it like sum up and divide by every month. or just pay as when that particular event happens.? shouldn't this be considered in fixed liablity while calculating FIRE.?

@Anonymous-by4cd Жыл бұрын

visit your channell after watching vinnet reel ,now I loved your work watch videos more than one hour

@anil6191 Жыл бұрын

Ise kehte h modern slave abi job chli gyi to tilmila jayega wese b private job ka is recession me bhrosa nhi h

@yash770 Жыл бұрын

One of the most funny and enjoyable episodes of fix ur finance.

@aaadeee7312 Жыл бұрын

Can we expect a episode of Fix Your Finance with a businessman?

@aaadeee7312 Жыл бұрын

@anshumansharma01 srategies for making fake id's huh??

@Rajjj-oc4ql Жыл бұрын

She is Earning 25k per month. And her savings are 15-20k per month she literally just spent 5k on the other hand bro has to spend all the Salary 🥲. What kind of Equality is this?

@sakthi22b.e Жыл бұрын

He is having home loan and spending more on his end...i think the girl is really trying saving his ass in case of an emergency.

@Rajjj-oc4ql Жыл бұрын

@@sakthi22b.e She doesn't seem to save his ass, she thinks that her money her's money and his money their money

@althafsmh2391 Жыл бұрын

@@Rajjj-oc4ql hahaha true

@WaveRider1989 Жыл бұрын

@@Rajjj-oc4ql that's how my wife thinks lol

@clawuxe Жыл бұрын

@@Rajjj-oc4ql if they don't have a problem why do you have a problem?? every marriage is different?

@amitshekhawat4436 Жыл бұрын

Please make a video on government employee about his finance

@ssamburle Жыл бұрын

It really disheartens me when advisors dont care of vehicle safety and suggest to get a vehicle that for which EMI will be 8-10 % of income. Jaan hai toh jahaan hai.. सर सलामत तो पगडी पचास (50). As usual good video 🙏🏼

@surajkarkera3595 Жыл бұрын

Show the comments section of this video to his brother and let him know that if he can't fund his marriage he shouldn't marry .

@lakshmitejas1685 Жыл бұрын

If that was the promise to his father because father spent all his saving on this guys marriage.

@surajkarkera3595 Жыл бұрын

@@lakshmitejas1685 whatever be the case but if you can't fund your marriage if you are working you shouldn't marry and if you are unemployed and not working one shouldn't even think about marriage too .

@lakshmitejas1685 Жыл бұрын

@@surajkarkera3595 why not father/brother should spend?

@lakshmitejas1685 Жыл бұрын

@@surajkarkera3595 if you spend your initial earned money on marriage. He will never make good corpus unless he/she hits out of box exposure

@lakshmitejas1685 Жыл бұрын

@@surajkarkera3595 in most cases girls marriage is okay to be spent by father /brother but not for son. What a difference

@maheshwaware 10 ай бұрын

Buy T-Bills or G-Sec bonds to build your emergency fund with an assured interest will be a good option.

@akashkaintura4740 Жыл бұрын

bhai remote walo ka b kuch kro bhaisaab PPF NPS me sb chala jaa rha hai kya kiya jaye hath me 30k bachta hai pr trading ka bhoot na jara

@amazingnews777 Жыл бұрын

We are living with 5 lakhs per year

@stevedinesh887 Жыл бұрын

enada bangalore la tamil karanglae ilayanu pathae ipo vanthruchu😁

@normalhuman0010 Жыл бұрын

Most of us use cred. And even wish to get a job in cred as a product manager

@khushalisavla Жыл бұрын

hello i have suggestion, can you make video on a real person who earns less than 30K per month, how they survive?

@rohitsoni9325 Жыл бұрын

Pretty messed up finances.. My suggestions: 1. Increase home loan tenure to free up some cash 2. Close the gold loan ASAP from freed up cash. 3. Build a good emergency fund of 6 months 4. Close the home load ASAP. As its just 20L, and currently more than 85k is paid towards EMIs.. closing 20L loan won't take much time if he considers putting his bonuses and salary increments into it. 5. Start Investing in equity Additionally, with these many responsibilities, financially it does not make much sense to fund his brother's marriage. Like cars and homes, marriages can also be delayed for a few years if we do not have appropriate budget or may be organize a cheaper wedding.

@shreyaskumarjain Жыл бұрын

I appreciate your time that you spend on typing

@ratnasarswat650 Жыл бұрын

@@shreyaskumarjain😂

@50cents44 Жыл бұрын

20 L home loan, 5 yrs tenure, EMI 40k p.m, details may not be true

@kaushiksankaran Жыл бұрын

Marriage loan and gold loan has destroyed so many families. This trend needs to go away, people need to be realistic while spending for a marriage.

@sujoysaha2169 Жыл бұрын

Why do you advise investing in debt funds to people in the higher tax bracket instead of RD? Interest is around 6-7 percent in debt, but RD has risk free interest of 7%.

@archie5897 Жыл бұрын

can you tell me what rd is?

@himangshudeka2788 Жыл бұрын

@@archie5897 recurring deposit is a special kind of term deposit offered by Indian banks and Post Office which helps people with regular incomes to deposit a fixed amount every month into their recurring deposit account and earn interest at the rate applicable to fixed deposits

@ajitsahu1879 Жыл бұрын

Which bank is providing 7%?

@sujoysaha2169 Жыл бұрын

All major pvt banks - HDFC, axis etc

@nikhilvijay6022 Жыл бұрын

Do debt funds really provide 6 to 7%. What's the use then. I think some might provide better returns like 8 to 9%

@ssaabroadofficial4031 Жыл бұрын

Anushaman why are missing of buying car rather than they can lease them?

@MrPrash84 Жыл бұрын

How to get into this episodes

@preethamsai Жыл бұрын

Is that background in the thumbnail Hyderabad?

@satyabratakar3725 10 ай бұрын

Where is tax deduction details from salary , are they not pay tax on the salary. If not tax where is tax saving suggestions.

@dhrumitkumarpatel8855 Жыл бұрын

Mast video

@Aess20 Жыл бұрын

what cute and happy couple

@chiraglal4938 11 ай бұрын

Why does a HR need a dual screen setup?

@jatinbajpai2168 Жыл бұрын

He helps, like switching on the washing machine 😅😅😅

@niranjankv959 Жыл бұрын

Bro plz interview commerce streem peoples

@AshishKumar-no9ns Жыл бұрын

Am I the only one thinking 15000 me ye ghar kaise mila bangalore me?? Or mujhe q nahi mila raha ??

@kersinghkunwar7446 7 ай бұрын

thoda city se bahar hoga

@darshangaude863 Жыл бұрын

Itni salary kaha milti hai bhai... we are getting only 25 k monthly after engineering 😂

@nitishvishwanathhatapaki Жыл бұрын

Us bro Us

@marvellouschandan 10 ай бұрын

I am surprised that how did he got a flat at 15K in bangalore? You won't get even 1 BHK in 15K. People were charging 27K to me for 1BHK fully furnished. For semifurnished it is 20K.

@thanikachalam1625 9 ай бұрын

It is not full 1bhk. But less than 1bhk size like 400 to 500 Sq. Ft

@marvellouschandan 9 ай бұрын

@@thanikachalam1625 Got it.

@mutualfund10 Жыл бұрын

Sadi ke bad kesa lag raha hain bhai, ak do sal bad jabab dena

@dhrumitkumarpatel8855 Жыл бұрын

Bhai thoda Kam packege waalo ko bhi laao thoda better idea aayga chote sheher waalo ko

@devgonbare Жыл бұрын

10:18 true man

@weebmate4253 9 ай бұрын

Why the f hr need two screens 🤔

@dhananjayvaish3276 Жыл бұрын

Anshuman! Finance Man is back with best series!

@dileswarisahu8443 Жыл бұрын

Anshuman seemed to be sad during this episode

@msvignesh2116 Жыл бұрын

😢 me earn 35k and watch this and feel stressed and over think when will i make 6 digit salary 😑

@sadfghyt Жыл бұрын

Me earn 0 rs and watch this and feel stressed and over think when I will make 35k salary

@msvignesh2116 Жыл бұрын

@@sadfghyt 😂

@djaaronrv7646 Жыл бұрын

Start saving more and fund the debt of rich class

@manojachar009 Жыл бұрын

Vanakkam Chennai from Bangalore 🍻

@ChandrakantTurkane Жыл бұрын

Please be more polite that other person not getting offended 😉 you are doing very good job

@viraltoka Жыл бұрын

Ansuman, how to invest in debt fund?

@anshumanfinance Жыл бұрын

Mutual fund apps, will make a seperate video explaining the process if enough people want it

@namratamirajkar6640 Жыл бұрын

@@anshumanfinance Yes please make this video..and also on index funds

@gurpreetkakkar Жыл бұрын

@@namratamirajkar6640 dont invest in debt funds, they give less returns sometimes negative too, they fall less but they do fall. Invest in mutual funds thru zerodha

@akashhazarika2782 Жыл бұрын

This guys are so cute 😂

@irvinecheta7364 Жыл бұрын

Sweet couple

@annsgal2025 Жыл бұрын

She said she is working as a hechr, did she mean HR?

@rasigan46 Жыл бұрын

I guess one full episode without hindi 🙄.. great improvement 🙏

@rasigan46 Жыл бұрын

@anshumansharma01 😂😂😂

@aryank1037 Жыл бұрын

bro teenage mai stock karna thik hai?

@faridahmohammed2588 Жыл бұрын

Use the money to learn upskill yourself , but yes if you have more, then invest!

@namankohli1061 Жыл бұрын

depends on what you call teenage, 19 and 15 both are teens but I'd say if you're 15 then don't even bother, but if you're 19, make sure to LEARN about personal finance. Investing is a decision that you'll make later(also 2k per month will not make you rich but will give you a good feel of what happens in the market). But another thing I'll add is that that 2k is much much much better spent on experiences - be it on learning a new course, planning a trip with your friends, spending time with your family(save some money and take them out to dinner or buy a toy of younger siblings). you'll always have money later on in your life but the chance to be 17 will never come back. That is why personal finance is called personal, you tailor it according to your needs. I think Anshuman hosted a podcast with someone(I think it was labour law advisor) and he said that they missed out on a trip to save 6k rupees in college. That trip won't come back and now 6k might be nothing to him to make some memories that he'd cherish for life.

@AniketPatil-yr1iw Жыл бұрын

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