Retirement excel sheet: bit.ly/3YaDpUa

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

I believe the retirement crisis will get even worse. Many struggle to save due to low wages, rising prices, and exorbitant rents. With homeownership becoming unattainable for middle-class Americans, they may not have a home to rely on for retirement either.

I just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying its ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $450k gains within months, I'm really just confused at this point.

This qoute hit hard - " your income is not permanent but your expenses are permanent"

His monthly salary is anywhere. Between 11.-15 lacs per month . Very few get this opportunity. Great thing to be shared. Thanks.

I retired at 55 by choice because of the following method: 1) Start an SIP (not less than 10% of monthly take home) from first salary onwards. 2) Monthly SIP amount should increase by 10% every year 3) Don't incur avoidable lifestyle expenses that would make a withdrawl from the corpus inevitable 4) Buy an appropriate apartment, if essential, just before retirement because the rental yield from ownership is less than 2% annually PS - Be physically active with daily exercise routine to maintain a healthy life.

I am 45 years old with very little set aside for retirement at this point. I have always been curious about the stock market and have witnessed some people who played the game right and retired early because they used the stock market. When I ask them, most said that they invested very little to start with, but their portfolio grew. I do have a significant amount of capital that is required to start up but I have no idea what strategies and direction I need to approach to help me make decent returns

The secret to retiring comfortably is finding a way to make returns while your money works for you. My dad, as I remember, started saving for retirement quite late, but I know he was making more than 10k returns from his investment monthly and it was completely passive.

This has to be the best video I've ever seen on early retirement. He has clearly put everything.

Am 58 retiring next year but the thought of retirement gives me weakness. My apologies to everyone who have retired and filing social security during this time after putting in all those years of work just to lose everything to a problem you never imagined to happen. It’s so difficult for people who are retired and have no savings or loved ones to fall back on.

Most of us won't have his income but there is no harm in learning from the principles Mr Samit has expounded in this video. My personal takeaways are as follows (in no particular order): 1. Focus on assets that make you returns to build the retirement corpus. Be intentional. 2. Understand what are the things that are important to you in your retired life and understand what they will cost you alongside your living and contingency expenses. Build the corpus accordingly. 3. It is not about how much you make. It is about how much you save and invest. 4. A meaningful life (taking from his desire to do gardening and travel) is more important than a purely material life. Sometimes they may intersect and that is fine but, it is important for you to find your own meaningful life. Mine is to be able to sit down with my father in the evenings for a peg of 21 year aged Johnny Walker and watch a movie without caring about what the next day, week or month holds in terms of work life. Also, I would like to explore my country with a bike. Wint wealth and Samitji, thank you for this. Wint Wealth, please share more such videos much more frequently! Belated thanks for the video with Mr Handa too !

This man is so genuine...

you should interview him every year to see what new thing he learned

That's the gold standard of wisdom oozing out. Thanks man for sharing.

One of the best interview about retire early. Samit Singh sir, you are inspiration. Thanks for sharing these valuable tips.

Excellent and clear thoughts.. Hats off to the team for making this video

While a person cuts down and is happy , more often it is too difficult to get the family to do so too . Lucky for him to have an understanding spouse and son .

The only thing that was running in my mind is the lady behind. I heaved a sigh of relief only at around 4:40 when she moved.

Men proposes and God disposes, we can plan, but God has another plans. So enjoy each and every moment of your life 😊

What a sorted person he is, very mature and helpful talk, a lot of learnings about FIRE and managing relationships with money. Would love to see more of such stuff!

A gold standard video for all private employees as we dont have pension . Thank you, keep posting

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 Anna Williams

bhai ye channel sach me next level content la raha hai.. Thank you so much guys.. love this channel

Quite impressive, happy to work with him in corporate, seriously a role model for many of us, wishing him a great life ahead😊

We want more video like this. Thanks a lot for providing such a great and valuable content. ❤❤

Beautifully put out, wish you the best for your retired life sir.

Wint wealth is doing a great service by showing real examples of financial independence. It becomes hard to imagine and plan long-term into your 50s. The wisdom from such people makes it look much more realistic and methodical. Thank you ❤

Best video so far on this channel. Please ONLY bring such quality content

Wint wealth is doing a great job making us aware of such people not known to many of us. Pls invite more people, if possible younger ones like 30 something who have also achieved financial freedom in true sense. I know it would be really hard to find such people.

This is one of the best early retirement videos for Indian context with practical advice . Keep it up wint wealth

This gentleman has next level clarity on this 👏

Consistent modulated voice soothing on the ears...this is quality stuff...makes lot of sense and adds in that essential value which we all are looking for ❤

Sensible advice, we are earning to enjoy life but need to think of the future too. I hope to apply some of these lessons in my life as well.

Now I have more knowledge about personal finance. I just subscribed to your channel. Big ups to everyone working effortlessly trying to earn a living while building wealth in this recession. I’m 45 and my husband is 51, we are both retired, no debts. We are planning on relocating to Thailand. We are currently living a frugal and financially savvy lifestyle and generating passive income even during this recessionary period. Our commitment to saving and investing in the financial market has enabled us to maintain this lifestyle and continue earning monthly passively through investment!"

Such a clear, detailed and honest thought process .

The price of Maruti Ciaz starts at Rs. 9.30 Lakh and goes upto Rs. 12.29 Lakh

The best Episode I have ever seen, thank you wint wealth for adding value in our life, God bless you

Having financial discipline is most important. From this video, i and my spouse got to learn a lot. Put your Money and assets to work and let it earn for you. Need to learn from the legends such as Samit Singh.

Very sensible and practical and one of the few people to confirm that investment in property doesn't always provide great returns or growth nor is a liquid asset as compared to other movable assets. Most people foolishly put too large a chunk of their assets in property. Cashflow and liquidity is more important as well as growth.

He is a role model...period!!! fantastic video!!!

Excellent info. seems 1st real FIRE person of India

Thank you for the clarity of thought Samit ji. The excel sheet is much better than my own.

People normally do not talk about inherited assets and how that helped to create a huge net worth. That compounded inherited wealth makes a big difference

I can listen to this convo for 22 hours straight.

Such a brilliant and unpretentious conversation; like a breeze. Beautiful! kudos to the Wintwealth team for bringing out such great, quality content

Summary : income is not permanent but your expenses are permanent. Learn to respect money and invest wisely. Thanks for this wonderful interview.

Appreciate his take on calculation part. Keeping a blanket inflation percentage is not a sound approach. Few things will become more expensive than other.

Samit, I have to learn my excel sheet from you, maan! What calculations, my jove. While it's all good, life's imponderables are fantastic n most unpredictable. I agree one must secure one's future. What he said towards the end, is what I wanted to hear all through- it's happiness what you are living or working for. Those who live lives which are uncluttered and simple, tend to be more contended both while working and in retirement. Money is definitely important but more important is happiness n harmony. Do what you have always liked to do - sow dahlias or chrysanthemums, tomatoes or bhindi in your garden, cook a biryani in your kitchen, read lots of books, look at the distant mountains from your cottage or enjoy ☔rains. Economics of retirement is crucial but what you can't buy with money is state of mind or happiness. If you counted your investment all the time while working, believe me even after your retirement you'll be doing the same.

Crystal clear thinking 👍🏼. Njoy your retirement, you've earned it quite literally 😊

BEAUTIFULLY EXPLAINED. Just a brotherly advice.. give equal priority and emphasis on maintaining a healthy lifestyle by giving atleast 01 hr daily to physical workout.

Great talk, Learned a lot. Wish him health and happy life ahead.

Excellent information and very practical thought process Samit!!

Good Luck and Good Work in the right direction ❤️👍...Hard work will pay fruits one day in future

Very Informative and to the point Mr Samit sir belongs that elite 0.1% population.. It will be better if u can Take example of Middle Level Employees so that it will be relatable to Majority viewers here including me😃

"Remember that your Income is not permanent, but your expenses are permanent." - Samit Singh.

Great video for finance planning and financial independence. I feel audiences are ready to listen this kind of videos for atleast 20 minutes.

Hey Samit... Good to see you here!! All the best for your new life..😊😊

Discovering oneself at the convergence of financial abundance, sufficient leisure time, and robust health is an exceptionally fortuitous juncture. Allow me to extend my heartfelt felicitations on this noteworthy accomplishment, Samitji! Your gracious contribution of this splendid video is sincerely appreciated, and the lucidity of your thoughts therein is truly remarkable.😊

Samit Congratulations. After listening to you my introspection got more belief.. Yes one should now (after retirement )perceive happiness 😊 rather than anything else.

Cost of 1 Maruti Ciaz is ~₹10,00,00. So this guy earns approx ₹1.2 Crore per year.

The clarity he has

Helps young generations to retire more early ❤

A big thank you to Mr. Singh and the channel team for Such clear and valuable information 😊

You're content is really appreciable ( can also be said as an asset ). Though i am 18 but could learn from this channel a lot. Would like to have more such stuff! ❤

You are an inspiration sir...keep educating us

Amazing & Inspirational Person

Samit, loved the clarity in thought and the brevity of putting your knowledge across. Belonging to the tribe of aspiring early retirees, this certainly is one of the best videos have watched in recent times. Thank you for those nuggets of wisdom.

Few months back I've self prepared an excel sheet to track my savings and expenses. This video is helpful to add few more inputs...

SamitSingh Guruji And Wint Wealth Team, We All Are Grateful For Wisdom In This Video

You sir need to be on more podcasts. Very thoughtful interview.

Superb. The only thing sir should consider is fitness. Im 52 , will be financially free by 58 but i compensate that extention by embracing fitness. I am gym fit at 52 (have be working out since 30years) and have streamlined toned physique. I live a life of a 35year old and at 58 i should be biologically 40.chronological age is less important,biological age is more important . Rest I must say ,Sir has planned his finances splendidly

Please keep making videos on early retirement. This is helpful.

Very insightful! I accidentally clicked on the next video without clicking a like. But I felt that this video deserves a like.

Thanku wint wealth for this amazing video.make more videos like this.everyone must plan to retire early before 50yrs and lead happy life with their favourite hobbies like farming,travelling,painting,meditation like that.thanku

Very practical and very open discussion ❤❤❤❤. Thank you so much for this eye opener

Kudos to you for achieving your financial freedom. It might have taken a toll on your health for these many years. I think this is the right time to invest on your health for the next 50 years. Just like how you've meticulously planned for your retirement, health needs meticulous planning & execution every single day. Wishing you a healthy retirement sir.

Wonderful video to learn mistakes and how to manage finance for retirement. Thank You Very Much

Fantastic person lots to learn from him

Great work. This guy really has clarity on how one should live his life

I thoroughly appreciated your video and the comprehensive approach you took in breaking down the subject matter. It reminded me of the beginning of my own success story when I was first introduced to Nina

Most Explainable FIRE video !

I am grateful, with these kind of videos, WINT is providing answer that how much money in enough money. Thanks Wint

His salary is between 1.1 Crore to 1.5 crore

nice and informative. just doing maths (for fun) - Current Corpus : (1) 15lac p.a. inflating at 7% and return of 8% for next 50 years - roughly 5.5cr (2) son's college education - another 0.5cr (3) since vacation, medical and margin inflation is higher, we add another 2cr Overall 8cr in 60:40 equity:debt. Then there is 18% of real estate. So overall of which . What say?

you've gained a subscriber :) Keep up the extremely high quality guests and content!

I am not sure how you made that money to retire early but I am sure if you start a KZfaq channel or FIRE Masterclass, expressing your views and sharing guidance, you will earn way more than what you already did. Your clarity on thoughts is just amazing. 14 mins is too short to hear from you.

That Excel sheet concept though ❤

Thank you so much for sharing the wisdom.

A nice and wise talk, thank you Samit and Wint wealth

Wow! Very insightful

What he said about real easte is so true. Its a cyclical investment. Lot of people invest im fomo and then get mediocre returns.

I manage a pension fund abroad and one of my client retired this year at the age of 42 after investing one crore in 2013 the day Raghuram Rajan joined as the governor of RBI. He is living off by taking 20% of the dividend returns of Rs2.6cr he receiving now and reinvesting the rest. Only long term value investing works for the people who wants to retire early.

Such a comfort video!

Great interview. Good insight and relatable to my personal situation. 😍

This man is living my dream, buying farmland to grow fruits and veggies. I bet the air is a lot cleaner in the village compare to Bangalore.

Hope you have health and lifeline for next 50 years as well

Samit Singh, very well articulated. Good mature content Wint Wealth

Thank you Samit, it helps a lot of young generations to follow this model ! Great share

Basically before retirement he used to earn around 1.2 cr... Roughly