मालिक साहब, आपकी आवाज बहुत दमदार है। आपकी ये वीडियो मुझे बहुत अच्छी लगी। ये सच है कि अच्छी सैलरी पाने के बाद भी हाथ खाली रहते हैं क्योंकि हम लोग Financial Planning ही नहीं करते हैं। Thanks a lot Sir.
You are the best youtuber on financial education. Other youtubers are here to promote their courses or institutes but you are the one who is really guiding the whole nation. You will definitely see a great rise in your viewership and the day is not far when you will be the leading instructor on RUclips. Believe me your videos are in depth and easy to understand compared to others. Thank you for the knowledge you have imparted.
I will add one more thing, look for a parallel income source along with your salary. If you just depend on your salary then maintaining above proportion is very difficult.
Sir first of all please accept my Namastey. What I was looking for this video has given me that exact answer. I am 34 with very less amount of saving without any plan like a headless chicken, just random. I was looking for an exact advice which can help me save some decent amount and this is what I was looking for. Thank you so much for this advice.
Very useful advice. But sometimes, one has to look after other members of the family like brothers, sisters and parents, which is usual for many people in our society. In such situations, it becomes difficult to adhere to financial discipline for long duration. For such individuals, financial planning is possible only after fulfilling all family obligations, which may take years. This is also the root cause of many family discords.
Bhai agar 30000 kma rhe ho at least 6000 toh save Kar hi sakte ho na . Humara main focus Jo Hume save Karna hai us per hona Chahiye. Ye 50-30-20 formula jaruri Nahi everytime work late
Thank u so much sir.....mai humesha sochti thi kitna save karu aur kitna kharch......confused thi jiski wajeh se save ya invest nhi kr pati thi....bt aapke 40-20-40 rule ko apply krke mujhe bahut easy ho jayega savings krna.....tysm sir🙏
Thanks aapki video ko mai folow kiya new job lgi..monthly 17000 hai .only ..or mai salary ka 20% saving bank or post me invest kr raha hu..Only 5 year me 2 lacks saving kr liye..Or mughe bhi pata bhi nhi chala ki itne paise maturity ho gaye..Ab isko continue kr raha hu.salary increase hote ja rahi hai..Waise saving amount bada rha hu...Apni bacho or family k liye save krna jaruri hai..Thanks for info..
Ok sir good idia .meri 33000 munthly salary me se salana 50000 rs bima or 3000ppf me chala jata hai Aadhi salarly mere ghar deti hu Aapne achcha idia diya ab mai 12000 ghar dugi or 12000 save karugi or 6000 me ghar kharch k liye ..
Sir. I can't tell you how important this video is. My experience in life...I started making money like ten years back and yet I don't have money in my savings because I did not follow this discipline. Many people won't ever get interested in this because they think this is not needed. I have recently joined a government job and now I am planning on to save money. Thank you so much sir for this video.
@@noobmaster9982 Bought unnecessary things, indulged in a carefree life. Never saved a penny. Always lived pay check to pay check. Took loans for wants more than for needs. Maxed up credit cards. For many years , I was in that trap facing extreme difficulty to make even minimum payments. After much struggle and pain , I was finally able to get out of debt. I am much wiser and have made it a point to live my life within my means and save+ invest regularly.
Thank u so very much sir...u really respond to comments and address the issues asked by viewers .its very helpful..hats off to ur effort n clarity of finance..u make the things look so easy
Sir i have seen ur video that if u rationally invest in stocks of companies it might yeild u better returns...my question is "as beginner how shud i go for it" i have academic knowledge of financial management and want to learn practical application...so what are the basic fundamentals to be looked while investing in shares
I am 24 years old and earning 3-5 lakh a month from my marketing business. When it comes to financial management, I am zero and I am hardly seeing any clear picture of how should I manage all stuff. Started investing 30k a month on MF and 10k on gold. Watching videos like this to be financially literate and build a firm financial base♥️♥️♥️
Don't put all eggs in one basket . If you have 30K per month for investment then put 15K in Index fund Mf,put 6k in post office RD,6K in PPF ,3K in NPS.
I'm 32yrs dad of two kids aged 7&3yrs earning 100k per month, staying in own house. I spend only around 20k everything included. So saving 80k monthly mostly, I work part time to fulfill my needs and family wants. So mine is 80-20 rule
40 % Needs 60% Savings According to ur Earning suppose if u r earning around 30k then you can fix that Ratio But if u r earning around 20k then go for 50% for needs nd remaining 50% For savings but definitely you will have to save something for ur future bcz in ur bad time No-one is going to help u but ur savings will do for sure Nd you r right sir Thank u😊
40:20:40....is best...Sir 40% savings mein v further long term savings short term savings ka video banaiye...like...agar koi medical emergency aa jae...to Shares, mutual funds, etc ko close karna sahi nai hai...to that time FDs will work...
When it comes to investing, nothing will pay off more than educating yourself. Do the necessary research and analysis before making any investment decisions.😊😊
My age 25 , State gov employee , Salary 28k , i started my investing through SIP from the first month of joining . I invest 19k per months on various type Equity fund , debt on fund 60:40 ratio .
Great ideas boss awesome. You tube pe pehli baar kuch knowledge ki cheeje dekhne ko mil rahi h . Something different.too good brother. Fan bana diya boss humko
He missed one investment which gives highest return invest in yourself 1000 per month in a book or educational program and you will never have to worry about money again. Else a very nice video.
I love the way you explain things, Mukul. I have binge watched your videos and learnt a lot. I am going to follow your suggestions and hope to learn good financial practice. Hats off to your understanding.
Dear Sir, can you make a video on "Role of Private Financial Institutions" like those institutes who provide or offer their services to businessmen, in shape of LCs, SBLC, BG, etc . What are they, what are their authenticity, credibility. How they work. I want to know complete introduction and working procedures of those institutions.
Considering salary increment which happens after 5 years or more of work experience. With that due time rises inflation, prices of goods increase and the items which could have been purchased for 10k 5 years back now will cost 16k. So there is no overall impact on standard of living, in fact it may decrease in case inflation rate has increased exponentially.
Exactly I don't know why it is still not there in school. Even at Bachelor's level it's not there. I did BTech and apart from Computer related subjects we had some useless or not that important elective subjects. Like me some other people also completed BTech and got a good starting salary job but literally even after getting a good knowledge about Technology we still not have much knowledge about finance and how to use our own money and I'm learning this now after getting a job because I don't want to waste my time and money in unimportant stuffs and assets and want to effectively use my income for today and as well as for future...
@Asset Yogi : Thanks for all your suggestions. I understand 40-20-40 rule.. I have one question. Where should in put My term plan and my health insurance. Like in needs or investment or wants??
Sirji I am 35 years old, salary 30k+ but due to personal problems no savings to my name...what should I do now for financial freedom... where and how should I invest and save...?
Excellent - These day most of people suffering from getting loan due to poor/bad/ Low credit score. You have already talked about it how to get loan But No guarantors, no collateral not other way available What to do Please make a video on this also
Sign-up to our new app for discounts and early access:
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मालिक साहब,
आपकी आवाज बहुत दमदार है।
आपकी ये वीडियो मुझे बहुत अच्छी लगी।
ये सच है कि अच्छी सैलरी पाने के बाद भी हाथ खाली रहते हैं क्योंकि हम लोग Financial Planning ही नहीं करते हैं।
Thanks a lot Sir.
Meri salary 5000 hai may karodpati banna chata hu
I think this is one of the best India-based channels. For the young (and even older people), this channel is a real asset (pun intended)
Thank you so much sir..... I am 23 Years old boy ,& after Watching your video, I have started my First investment in RD & also in Mutual Fund.
Good to hear that :)
Rd nahi direct investment in share market because abhi younger ho
I'm 30 and saved nothing. This is an eye opening advice. Thank you very much.
Hope it's helpful 😊
Me too yaar
@@AssetYogi Medical expenses?
Insurance & Mediclaim cost?
Rd mutual fund investment kro
@@hinduswastika9754 Jai shri ram 🚩🚩🕉️
I am good to see that I followed flat 50% to saving and rest for other things , this is ongoing !!
You are the best youtuber on financial education. Other youtubers are here to promote their courses or institutes but you are the one who is really guiding the whole nation. You will definitely see a great rise in your viewership and the day is not far when you will be the leading instructor on RUclips. Believe me your videos are in depth and easy to understand compared to others.
Thank you for the knowledge you have imparted.
Pranjal kamre best h
Sir I spent 10 years in my job I have not saving money but now I follow your advice thanks sir
Apke video bht achi hai mai beginner businessmen hon lekin mujhe lagta hai bht fayda hoda isse thanks 😀😀
बहुत सुन्दर सरल ढंग से बतलाने के लिए आप को बहुत बहुत धन्यवाद महोदय जी
Thank you sir. I am customising this as 40-30-30 for myself.
I will add one more thing, look for a parallel income source along with your salary. If you just depend on your salary then maintaining above proportion is very difficult.
Like
@@saurabh23rdyolcantt like other assets
Hats off to you sir you truly understand Indian need and mentality. .
One of the best financial channel
Glad to hear that SAGAR:)
Sir first of all please accept my Namastey. What I was looking for this video has given me that exact answer. I am 34 with very less amount of saving without any plan like a headless chicken, just random. I was looking for an exact advice which can help me save some decent amount and this is what I was looking for.
Thank you so much for this advice.
I am following the same...since long back...but... today watched this video....Its a good method.
Very useful advice. But sometimes, one has to look after other members of the family like brothers, sisters and parents, which is usual for many people in our society. In such situations, it becomes difficult to adhere to financial discipline for long duration. For such individuals, financial planning is possible only after fulfilling all family obligations, which may take years. This is also the root cause of many family discords.
Bhai agar 30000 kma rhe ho at least 6000 toh save Kar hi sakte ho na . Humara main focus Jo Hume save Karna hai us per hona Chahiye. Ye 50-30-20 formula jaruri Nahi everytime work late
Useful advice thank you
Right
Bhai Utpal is right..
I live in joint family and taking care even my uncle/aunts
For us, financial planning looks out of course.
@@modellocomotiveworks2215 o
Financial Discipline: Compounding effect
Basic Necessity
Saving
Investment Regular
Research
50-30-20 Rule::
50% - needs
- rent/emi, food, transport, cloth
- bills: electricity, water, gas, phone, internet
30% - wants wishes
- car, vacation, expensive cloth, electronic
20% - savings & investment
- for retirement, kids education, marriage
- stocks, PF, FD, Real-estate, Mutual Fund
Youngster:- 50-30-20
Experienced:- 40-20-40
Wish I had a guidance like this in my younger days, when I started my career.
Jab jago tab savera
Please follow it , we can’t reverse time
Intrest haraam h bhai, allah bahut raheem h
@@asma4082 madam interest is basics of economics you can’t avoid it and you must relate economics with religion
@@asma4082 haj yatra govt ki subsidy se krna bhi haram h... Lekin bhi log ye kaam krte hain harsaal
@@asma4082 😂
Thank u so much sir.....mai humesha sochti thi kitna save karu aur kitna kharch......confused thi jiski wajeh se save ya invest nhi kr pati thi....bt aapke 40-20-40 rule ko apply krke mujhe bahut easy ho jayega savings krna.....tysm sir🙏
Keep investing Neha.
I'll start with this 50-30-20 Rule for sure👍👌...Very convincing rule👍👌
The way you're talking and teaching seems very clear and accurate. Also very genuine. I liked it very.
Thanks a lot 😊
Thank you so much sir. I am 20 year's old and this information is beneficial for me.
Keep leaning :)
God Bless Akash
I have stared already this method from last two years ago & i have save 2.5 lakh rs through pf rd & mf
Thanks aapki video ko mai folow kiya new job lgi..monthly 17000 hai .only ..or mai salary ka 20% saving bank or post me invest kr raha hu..Only 5 year me 2 lacks saving kr liye..Or mughe bhi pata bhi nhi chala ki itne paise maturity ho gaye..Ab isko continue kr raha hu.salary increase hote ja rahi hai..Waise saving amount bada rha hu...Apni bacho or family k liye save krna jaruri hai..Thanks for info..
Sir sabse pahle apko Josh talk me dekha hu phir apka videos dekha amazing sir apko experience h sir thanks..video k liye...
I have no words for you.
Just LOVE the way you explain.
Thank you so much for the knowledge 🙏
Keep learning Kritika
Right 👍
Ok sir good idia .meri 33000 munthly salary me se salana 50000 rs bima or 3000ppf me chala jata hai
Aadhi salarly mere ghar deti hu
Aapne achcha idia diya ab mai 12000 ghar dugi or 12000 save karugi or 6000 me ghar kharch k liye ..
Good mam
Good
Very nice
Ranjita Akle
Impractical things
Sir. I can't tell you how important this video is. My experience in life...I started making money like ten years back and yet I don't have money in my savings because I did not follow this discipline. Many people won't ever get interested in this because they think this is not needed. I have recently joined a government job and now I am planning on to save money. Thank you so much sir for this video.
M aapki guidance se savings kr rhi hu sir..bhut khus hu
बहुत ही बढ़िया फार्मूला है सर जी सेविंग का🙏🏾🙏🏾🙏🏾🙏🏾🙏🏾🙏
Excellent , eye opening content. I regret making huge financial mistakes in my younger days.
Keep learning
can you pls share your experience?
@@noobmaster9982 Bought unnecessary things, indulged in a carefree life. Never saved a penny. Always lived pay check to pay check. Took loans for wants more than for needs. Maxed up credit cards. For many years , I was in that trap facing extreme difficulty to make even minimum payments. After much struggle and pain , I was finally able to get out of debt. I am much wiser and have made it a point to live my life within my means and save+ invest regularly.
@@mustanggt5713 thanks for sharing your experience
@@noobmaster9982 Welcome and good luck. Be wise 👍
Love from Kerala... Sir your videos are highly informative and an exceptionally great financial advisor... I followed your tips and I am doing well
Thanks 😊
Pata to tha ye sab par jis tarike se aapne samjhaya hai, wakai lajwab hai !!! Subscribed to your channel !!!
Thank you for appreciation 😊 Hope it helps
Thanks sir aaj mera aankh khul gai
Asset Yogi Bhai gazab ka vdo hai..Mai bhi beginner hu, ab kuchh kuchh smjh a rha hai kaise aur kaha invest karna hai. A big thankss from this side
Watch the master investor series: ruclips.net/p/PLSiDKpku4U_Wvz5h6sGLRVnXjx42zqqGb
Thank u so very much sir...u really respond to comments and address the issues asked by viewers .its very helpful..hats off to ur effort n clarity of finance..u make the things look so easy
Sir i have seen ur video that if u rationally invest in stocks of companies it might yeild u better returns...my question is "as beginner how shud i go for it" i have academic knowledge of financial management and want to learn practical application...so what are the basic fundamentals to be looked while investing in shares
I am 24 years old and earning 3-5 lakh a month from my marketing business.
When it comes to financial management, I am zero and I am hardly seeing any clear picture of how should I manage all stuff.
Started investing 30k a month on MF and 10k on gold. Watching videos like this to be financially literate and build a firm financial base♥️♥️♥️
How
Don't put all eggs in one basket .
If you have 30K per month for investment then put 15K in Index fund Mf,put 6k in post office RD,6K in PPF ,3K in NPS.
Great sir i m start saving after watching this
Good to hear that :)
Sir apko jb se dekhta hu meri life hi change ho gyi ...thanku ...sir
Keep learning Prem :)
आपकी विडियो बहोत बहोत अच्छी लगी है धन्यवाद
Keep learning Nared
I'm 32yrs dad of two kids aged 7&3yrs earning 100k per month, staying in own house.
I spend only around 20k everything included.
So saving 80k monthly mostly,
I work part time to fulfill my needs and family wants. So mine is 80-20 rule
Wow
Management
Why, do you frustrate others
@IndiaTV Hyderabad
@IndiaTV definitely not, but im trying my best
Upper caste?
40 % Needs
60% Savings
According to ur Earning suppose if u r earning around 30k then you can fix that Ratio
But if u r earning around 20k then go for 50% for needs nd remaining 50% For savings but definitely you will have to save something for ur future bcz in ur bad time No-one is going to help u but ur savings will do for sure
Nd you r right sir Thank u😊
A true guide ... In each and every video of yours we can learn something New... Hats off to you sir
Wah...kya baat hai jeene ka tarika hi badal diye sir
Hope you like this video :)
Very nice guidelines about save your money for future
mind blowing sir, i have started following your advice, its really helpful. thank you
Excellent video for young and Service ,Government and private company salaried persons
Sir apke smjhane Ka tarika kafi Acha h..Nd asani se smjh me AA Jata h... thanks sir.
Thank you Nisha 😊
40:20:40....is best...Sir 40% savings mein v further long term savings short term savings ka video banaiye...like...agar koi medical emergency aa jae...to Shares, mutual funds, etc ko close karna sahi nai hai...to that time FDs will work...
Noted.
Sirji thank you very much 😊
Most welcome
जबरदस्त sir😊😊👍👍👌👌💐💐💐,बहुत he acha वीडियो😊😊😊
I am huge fan of yours and student as well.....sir love u😚😚😚😚❤️❤️❤️
Very important video...I wish ye video mene 2014 me dekhi hoti..
Thank you so much sir mujhe aisa lag raha hai aapane yah video sirf mere liye hi banaya hai thank you so much 🙏🙏🙏👍👍👍💐💐💐
Keep learning Jaswant
Thank you Sir....aapka Gide karne ka tarika bhaut achha h.....
Thanks 😊
When it comes to investing, nothing will pay off more than educating yourself. Do the necessary research and analysis before making any investment decisions.😊😊
Thank you sir
Your video is so useful for systematic investment.
👌👌👌👌👌🙏🙏🙏🙏🙏
Most welcome
My age 25 , State gov employee , Salary 28k , i started my investing through SIP from the first month of joining . I invest 19k per months on various type Equity fund , debt on fund 60:40 ratio .
Waao grt
How much u saved
40 20 40 बहुत अच्छा partition है ज़्यादा income वालों के लिए। बढ़िया ज्ञान दिया है। अगर हम दान भी देना चाहें तो वो कितना % कर सकते हैं।
बहुत बहुत धन्यवाद SIR🥰🙏
Explained in a very simple manner. Thanks a lot for this very valuable video!
Keep learning 😊
Great ideas boss awesome. You tube pe pehli baar kuch knowledge ki cheeje dekhne ko mil rahi h . Something different.too good brother. Fan bana diya boss humko
He missed one investment which gives highest return invest in yourself 1000 per month in a book or educational program and you will never have to worry about money again. Else a very nice video.
I always take notes from your vedio
In my Google Keep account for future
Because your Vedio are like Teaching Genuinely.
Aapne sahi btaya mukul bhai
I love the way you explain things, Mukul. I have binge watched your videos and learnt a lot. I am going to follow your suggestions and hope to learn good financial practice. Hats off to your understanding.
Thanks for appreciation 😊
mukul Sir,
kindly advice on investments which are not interest oriented..like
bank deposit and LIC... and shares also...
Dear Sir, can you make a video on "Role of Private Financial Institutions" like those institutes who provide or offer their services to businessmen, in shape of LCs, SBLC, BG, etc . What are they, what are their authenticity, credibility. How they work. I want to know complete introduction and working procedures of those institutions.
Topic noted for future videos.
Ro
18 right now and saving since last 3 year's your video motivate me and am learned alot of things ❤️🙏🏻
How much u saved?
And what u did with savings?
Absolutely Right
Wao thsnk you sir
This thing was coming in my mind but your videos clear all doubt thank you one's again
Glad to know that you found the video helpful Key
Man is not robotic. Sudden mischievous facts make a man mad.
Excellent financial guidance. Thank you sir for your most valuable guidance.
You're most welcome
bahut hi acha Shurwat hai aur bahut badhiya
Thanks Laxman :)
Thank you for this Very Useful video I'll start from this January ❤
No words for ur ideas💜💛
Keep learning
A must watch video for both young and experienced alike!!! All the very best to you.
Its the best rule for saving and investments.
Thanks a lot sir👍
Thanks Ojas :)
Sahi sir..bahot badhiya financial planning bataya
Keep learning
bahot hi asaan bhasha me samzaya sirji..... very good
Dhanyawad 😊
sir aap kitna accha bolte or samjhate hai ..very nice
Thank you so much Shyam.
Considering salary increment which happens after 5 years or more of work experience. With that due time rises inflation, prices of goods increase and the items which could have been purchased for 10k 5 years back now will cost 16k. So there is no overall impact on standard of living, in fact it may decrease in case inflation rate has increased exponentially.
Generally speaking you should be able to beat inflation with your higher skill sets and experience level.
I started watching your videos from 2020 your videos are really very helpful and knowledgeable keep making this kind of videos thank you !
Thanks for sharing...sir.... becoz I hv already no idear how I manage my money..I m a govt employee
सर जी बहुत ही अच्छा जानकारी दिए हैं सर
Basic personal fiance should be taught before a person graduate from school 🤓 good useful video. Thanks
Exactly I don't know why it is still not there in school. Even at Bachelor's level it's not there. I did BTech and apart from Computer related subjects we had some useless or not that important elective subjects. Like me some other people also completed BTech and got a good starting salary job but literally even after getting a good knowledge about Technology we still not have much knowledge about finance and how to use our own money and I'm learning this now after getting a job because I don't want to waste my time and money in unimportant stuffs and assets and want to effectively use my income for today and as well as for future...
Thank you very much sir, i m 21 glad to see your video✌️
It's my pleasure
Dear Mukul Sir
Thanks for guidance 😃
Always welcome
@Asset Yogi : Thanks for all your suggestions. I understand 40-20-40 rule.. I have one question. Where should in put My term plan and my health insurance. Like in needs or investment or wants??
Very nice janab...bohet hi faidamand video hai
Sir thank you for giving such a nice advice god will bless you.
I saw your many videos, it was nicely explained and I am happy after implementation these ideas, youngsters must see this videos.
Sirji I am 35 years old, salary 30k+ but due to personal problems no savings to my name...what should I do now for financial freedom... where and how should I invest and save...?
Bohot achi tarah se samjhate h sir thank u so much
Keep learning :)
Jabarjast video hai. Thanks sir jee
Thanks sir you gave very valuable information.
Hope it helps. Amrit
Amazing ....very helpful for a guy like me just started earning .
Thanks Jaydeep
Excellent - These day most of people suffering from getting loan due to poor/bad/ Low credit score. You have already talked about it how to get loan
But No guarantors, no collateral not other way available
What to do
Please make a video on this also
Bro make fd in bank it can be ur asseet
Excellent video
Bahut bahut dhnyavaad sir, very good
Thanks.
Superb 🙏 sir U & pranjal kamra (Finology) both are great