How This IIT Professor Got Financially Free in His 40s?
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- Опубликовано: 16 апр 2024
- Dr. Pattabiraman, the mind behind freefincal.com, shares his secrets to financial independence in this video. Learn how this IITM professor planned his retirement corpus and why he thinks Retiring Early is not always the answer.
Wint Wealth: www.wintwealth.com/
Socials: / pattufreefincal
Freefincal Website: freefincal.com/
Pattu Sir's Calculator's on SEBI website: investor.sebi.gov.in/calculat... 
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Imagine 10 years or 15 years ago, such quality information was not as easily available as it is today, we are really thankful to Pattu sir, telling us it is ok to be normal and build wealth in a boring way.
Everyone is telling the newbs what they should do right now
as they enter the market. They need to know what not to do
as well. I made my last market mistakes and this is all Core
Alpha. Time in the market. always beats timing the market.
Keep it real Cep!
Thanks for sharing this here. A lot of beginners Like me
are smashed out there every day. It's a good thing we
have nice people here who want others to become
successful as they are.
What I appreciate about Corina Michelle is her ability to tailor
strategies to individual needs. She recognizes that each
investor has unique gools and risk tolerances, and she adapts
her advice accordingly.
Interviewer has not asked the quality question, more home works needed, Pattu sir has great wisdom
Agreed... would suggest u watch lla's podcast with pattu sir...
@@89partho89 Can't find it on youtube, please share a link or the channel name please!
@@PankajDevarailet us get rich with pattu
Podcast series available in all platforms
Good observation, it was odd that immediately after buying a house expense he kind of compared having a child! May be he’s just starting and hope he can work on quick thinking and questioning with EQ.
his goal is to drive traffic to his website where he sells course
Pattu Sir is the best online person to learn from. The insights that he shares is very deep and backed by a thorough research ! We see very flimsy finfulencers online, Pattabiraman Sir is exactly on the other side of that spectrum. His Blogs are a wealth of knowledge. Fan of this man !!!
Patto has definitely changed the way for me to analyse personal finance with models instead of advice/recommendation.
Pattu Sir ❤ - Only Personal finance person I follow! Gem of a Person!
Simple - Humble and Wealthy!
Great advice Dr. Pattu, and simplified approach.
Was expecting Dr. Rama Neelamegham madam to be present in this video, usually wint wealth does it that way.
The OG Indian personal finance guy! Pattu Sir!!
*Well explained. Thank you for bringing up this video. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject! Thanks to Luna Cox the lady you recommended*
Everyone needs a different stream of income, such as where one can invest some parts of his or her monthly income.
I had no luck in digital assets, I actually invested myself but profits aren't as expected,,,
Not surprised you mentioned her, Luna Cox just so good and her professional strategies are really mind blowing.
Luna was interviewed on CNBC Television. You can use something else, for me the strategy works hence my result. She provides entry and exit points for the securities I focus on.
Is there anywhere I can get across this woman for a startup???
Today I reached 75 thousand. I'm really
grateful for all the knowledge and
information I've been given during
the last few months. I started with 7k in
January
Chat GPT has been the best open AI from my trading experience. Most human error and increasing the accuracy of trades only from Frederick Frost trading Signals.
The question is how to convert your salary into the investment funnel without double taxation. you pay taxes once it's earned, then buy stocks and get taxed again once you sell.
Want to invest over 300k on the stock market,
how do l achieve this?
If you're not who understands
strategies to invest, just invest through an advisor, making good profits, avoiding taxes
This is probably what I should do. Who do you advise I trade with, please?
This was one of the best episodes man! And the last line made me so comfortable! Its absolutely possible to build wealth in a BORING way. Need not do trading, etc. Just do the normal things & keep your expenses low. Beautiful episode with no fancy stuff. Just real life conversations & lessons on money. Perfect!
I’d be retiring or working less in 8 years, and considering this financial recession, I’m deciding to begin taking up skilled trades. I’m curious to know best how people spilt their pay, how much of it goes into savings, spendings or investments, I earn about $140k per year but nothing to show for it yet.
You should contribute to your retirement diligently, or better still look into financial planning don’t come to RUclips for advise, consult a financial firm about your situation
Very true, I find myself lucky enough exposed to money management at an early age. Worked full time when I was 19, purchased first home at 28, fast forward time…. I’m 65 now, got laid off March 2020 amidst lockdown, a blessing in disguise. At once I consulted an advisory firm to match me with a planner to stay afloat and with subsequent investments, I’m only 15% short of $1m as of today.
As we witness the current economic landscape, it's becoming increasingly clear that we're entering a recession. These times can pose significant financial challenges.
This is huge, would love to grow my reserve regardless of the economy situation, my 401k has lost accrued since early 2019, at this point, I’m in need of guidance
FOLMAR ADVISORY
Thank you for bringing Pattu Sir on this channel. Reading his blogs for years and learned my first personal finance lessons from his blog only. Most practical lessons, his way of handling finance is very relatable for common people like us and he is truly humble and honest. The OG personal finance Guru in true sense.
Thanks a lot for this wonderful video 🤩
All my goal planning and investing started because of his blogs.. trust me his blog is a goldmine for diy investing.. A must for all youngsters..
Pattu Sir 😊 Finally here. Good job Wint Wealth for bringing his interview here..
The Guru of Personal Finance - straight to the point!
Pabi Raman's inspiring journey underscores the critical importance of perseverance and financial literacy in achieving financial independence. His approach of staying invested through market lows to reap benefits during highs is a valuable lesson for anyone aiming to secure their financial future 🌟.
Recently bought some recommended stocks and now they are just penny stocks. There seems to be more negative portfolios in the last 3rd half of 2023 with markets tumbling, soaring inflation, and banks going out of business. My concern is how can the rapid interest-rate hike be of favor to a value investor, or is it better avoiding stocks for a while?
Just "buy the dip". In the long term it will payoff. High interest rates usually mean lower stock prices, however investors should be cautious of the bull run, its best you connect with a well-qualified adviser to meet your growth goals and avoid blunder
The truth is that this is really not as difficult as many people presume it to be. It requires a certain level of diligence, no doubt, which is something ordinary investors lack, and so a financial advisor often comes in very handy. My friend just pulled in more than $84k last month alone from his investment with his advisor. That is how people are able to make such huge profits in the market
nice! once you hit a big milestone, the next comes easier.. who is your advisor please, if you don't mind me asking?
She's Sophia Elaine. One of the finest portfolio managers in the field.
she's mostly on Telegrams, using the verified user name.
Pattu sir! My finance Guru. Literally I learned basics of investing , FIRE through his videos for past 4 years. I am near my FIRE goal after 4 years of dedicated focus on personal finance.
Where to follow him?
@@meenalpravin freefincal youtube channel
Follow him @ freefincal@@meenalpravin
@@meenalpravin free fincal website/blog
Nice guy, very humble. Loved his philosophy
Best comeback episode ❤
Pattabhiraman he has very good clarity and the explanation is very simple everyone can understand it.
Thanks for having the Professor.
of all "finfluencers" i have seen or read or heard - Pattu sir stands out
He's the OG influencer. Rest are finfluenza, a disease that'll kill many youngsters' financial dreams.😅
@WintWealthYT Finally this interview, long overdue.
Inspirational video. Kudos to Professor and the wint wealth channel
The Guru, teacher I always yearned for....and thanks to Internet I got it.....❤
Finally our favorite pattu sir is here ❤
Last few words are the gem
I am indebted to this genius, Legend called Pattu sir. Following him since 2019 he is a legend when it comes to personal finance. Thanks to Wint Wealth team for bringing him on board.
I came to know him first time from LLA. That time I have been been following him in RUclips and articles.
Pattu's retirement calculators are hosted on BSE website. His analysis of mutual funds is great. Respect!
So happy to see my favourite finance guru on my favourite channel 😊
6:30 Totally agreed . I am doing it since 4 years specially coz I started pretty late( mid 30s)
Insightful
Superb interview.
One of the best episodes so far!
He’s right. Only quick way to retire early is to increase your income. Never heard of the guy, will research his work further. Really good vid, wint wealth!
Pattu - A humble person whom I ever seen for the knowledge and exposure he has. I am proud to say that I live in the same city where he is but dint get a chance to meet him. I love his simple way of investing style and explaining the things in language which is clear to evreyone.
Real humble man, who is real wealthy person is Pattu sir.
In 2024,don't set new year financial goals without consulting a financial adviser.there expertise ensure a solid plan for success.Building wealth involves developing good habits like regular putting money away in intervals for solid investments.
Thanks for the advice! I'm new to financial planning and wasn't sure where to start.Any tips on finding a reliable financial adviser or resource to guide beginners?
I agree, based on personal experience working with an investment advisor, I currently have $650k in a well diversified portfolio, that has experienced exponential growth. It is not about having money to invest in stocks,but also you need to be knowledgeable, persistent,and have strong hands to back it up.
How can I participate in this?I sincerely aspire to establish a secure financial future and am eager to participate.who is the driving force behind your success?.
Marie Ann Treloar
She has been my counselor and coach.
This is an insightful interview. The questions are very relevant and precise. Also Pattu Sir answers in the most simple worded and genuine way.
Very good advice ,thank u Sir.
If you have to follow one person in your life for financial knowledge, it has to be Pattu Sir. So much clarity. Most important take home - Inaction hurts more than inflation. Start early and invest to the max possible. He didn't mention ULIPs as his biggest mistake. 😊
May be you should release a video every week
Host interrupted pattu sir flow.. And he was just concerned about prepared questions
Good episode. Keep the good work going ! Thanks. ☺️👍👌
Wow, he gave really great insight . I liked the fact that he said that focus on income and invest like a machine ..
Amidst in the world, Wint Wealth is such a precious gem to all viewers🎉 We are gaining many new insights from top notch professionals👍
FIRE for me is that get financial independence (save corpus per your formula or multiples of expenses) and retire early happens automatically because work for money is optional so one can work at the same job or a different job or anything else including nothing!
F.I.R.E should be financial independence recreationally employed.
@@sarangkulkarni7034😅👍
Very honest interview. Thanks pattu sir.
Thank you so much for this video. Pattu sir is amazing. Simplicity and wisdom at 'VERA' level 😊. I have watched almost all his videos @freefincal. Extremely insightful and very simple to understand. Thank you Pattu sir 🙏.
This is very little to hear from Pattu sir's ocean of wisdom. We definitely need part 2 !
I watch pattu sir's RUclips channel
Very insightful Session.
Very rightly said: Frugality can't be taught, either you have it or not.
Save save save, invest, invest and invest
Subramoney, freefincal, Asan ideas for wealth are the OG in india personal finance
OG means?
Basant Maheswari ❤
Original Gangster meaning they are pioneers in that field@@tradingtips396
@@tradingtips396 OG means original / Original Greatest of all time
Location is nice.. where is it??
Awesome episode!!
Just one suggestion - Please don't keep changing the background. It is very unpleasant for the eyes. It is difficult to focus.
Pattu Sir ❤..
I began my investment journey at the age of 33, primarily through hard work and dedication. Now at the age of 58, I am thrilled to share that my passive income exceeded $100k in a single month for the first time. This success reinforces the importance of the advice mentioned earlier. It is not about achieving quick wealth, but rather ensuring long-term financial prosperity.
Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.
I agree, having a brokerage advisor for investing is genius! Amidst the financial crisis in 2008, I was really having investing nightmare prior touching base with a advisor. In a nutshell, i've accrued over $2m with the help of my advisor from an initial $350k investment.
*@disney-hefner* That does make a lot of sense, unlike us, you seem to have the Market figured out. Who is this consultant?
"Gertrude Margaret Quinto" 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
Insightful... I was curious about her, so I looked her up online. I discovered her website, and I must say that she seems knowledgeable. I sent her an email outlining my goals. I appreciate you sharing.
Amazing information.
What a crossover, sirji!
Nice learning video
Good pattu sir.
This episode was so much better than the wells fargo guy who wanted to buy a bmw suv at any cost 😂
Gem of person.. Pattu..
But interview questions are not useful.. lets have one more interview with someone senior taking interview..
Please watch "Let's get rich with Pattu". Superb series.
Thanks mate@@ravirajsudha8228
The OG!!
People who are able to retire early are lucky . I have 5 years till 65 and need to look at calling it quits, my only fear is running out of funds much later, thus keen on investing. What could be the safest possible ways to invest for cashflow, in order to afford lifestyle after retirement?
consider investment planning, learning from a well experienced advisor is invaluable
That's right. I am a wife, mother of four and new grandmother, 28 years in Corporate America, retired recently at 57 after discovering the freedom investing could provide, been contributing to my portfolio since the pandemic in early 2020, and have grown a $250,000 savings account to almost 1 million, credits to my investment advisor.
@@emmaarmandowho is your advisor please, if you don't mind me asking?
'Gertrude Margaret Quinto' maintains an online presence. Just make a simple search for her name online.
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.
Pattu Saab,
Congratulations 🎉 with Freedom Financial 😊
I have 2 Passive Incomes, I Save passive income Amount and invest in Gold Bullions 😊
I have an Active Income Job for Emergency Funds and for Monthly Expenses 😊
I live a Frugal lifestyle. I believe I need to work another 8 years then Retire 😊
Great to see Mr. Pattu in this episode. But why is the interviewer so scared...
Patty sir 🙏
Chennai Sir🔥
Sir please also Tamil one video
The OG❤❤❤
What changes should I make in my journey? I'm 36 and I been investing for 2.5 years and I only take out the minimum expenses I would need to complete the month rest goes in investments , 65% money market , 25 % equity . 10% in gold. I'm nearing 1cr by this year also have 2 months of expense in emergency fund as I don't want to break my investments in case I need money suddenly.
In 2 years investment nearly 2 crores how much invested sir
I think everyone needs to have an amswer to what they will do if they are given 10 lakhs. Some cud be invested, some saved for emergencies, but some of it surely has to be spent on some needs or even some wants or holidays etc. If someone is too frugal on only investing and doesnt know how to enjoy atlesstvsome portion of his money, whats the use of such life and investment, even if inbestment grows to 1 crore or 100 crores, that person still wont do anything with it
Pattu sir you are awesome
Is absolutely fine to build wealth in boring way... ❤❤❤
Y am i seeing ads on political parties on this channel ?
Great 👌
In corporates, 45 is the retirement age, there is no retiring early for most. This is financial porn
I love his blogs.
Good questions
"hi, i am pattu from freefincal" -- my favourite quote❤🎉
Practical things
Please make a podcast with Mohit Gulati ❤
ruclips.net/video/HoYh2JfIaBw/видео.html&pp=ygUSd2ludCB3ZWFsdGggZ3VsYXRp
Was this interview shot at Dakshin chitra, Chennai?
Yes
Pattu Sir OG ❤
Which is this place ?
All discussions from the fear point of view🎉
Pattu sir.❤
Pattu Sir
I want to fill form on behalf of my friend. It looks like the form designed only for self details not for filling for others.
Hey, thanks for pointing it out. We will edit the form. In the mean time, you can fill out your friend's details in the existing form.
I used to follow pattu sir’s RUclips channel..
It's very sad to hear about the disease, Pattu sir. But, multiple myeloma is no way a rare blood cancer
Everything I know about personal finance I owe it to Pattu and freefincal
But Pattu is not flashy enough for Wint Wealth’s RUclips audience. And he isn’t flashy enough like the usual folks Wint interviews 😅
Financial Independence part of FIRE is great, but Retiring Early is a terrible idea.