How I lost 2 crore rupees with these mistakes
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- Опубликовано: 10 июл 2024
- How learning how to save money got me my dream job ► • How I got my my dream ...
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TIMESTAMPS:
0:00 Introduction
1:23 Behaviour with money in my 20s
2:27 First big expenditure
4:18 Spent 10 lakhs on status
5:35 Losing 20L on FOMO
9:28 Disclaimer
9:35 Most common money mistake
12:44 Take more risks when young
13:59 Ending Note
___________________________________________________________________
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Follow Clueless on Instagram ► / cluelessboutmoney
___________________________________________________________________
Written by: Anshuman Sharma ► / anshhuman
Video edited by Revant Talekar ► / revanttalekar
Channel Producer: Raghav Sharma https ► / saysraghav
Clueless Producer: Anshuman Sharma ► / anshhuman
___________________________________________________________________
Plot twist - he recovered all the money by sponsoring the app 😂
lol 😂
God knows if he ever really lost that money 😂
@@salmannomi480 you got a point.
germs aur oil😂
🤣🤣🤣
His biggest loss would be not creating a new channel after AIB disban !
True
@@neelanshmishra97 what happened to the AIB company?
@@vikasc89581 ya....?
@@vikasc89581 When you are ahead of your time, crabs pull you back.
@@vikasc89581 They were Messing with Time , It tends to mess back
With this concept, the money my parents spent on my education, could have invested in stock market in early 2000s and made back like 20X. Chalo koi na, 3-4 crore ka loss hoo gaya unhe
Bro OP 🔥🔥🔥🔥🔥😂😂😂😂😂
Why bro, educating you was a bad idea?
There are very few stock market genuine channels - PR Sundar, Abhishek Kar, Calsen Financials and Rachana Ranade.
You really believe that your education was so useless.
Not arguing. If you feel so, then you must be right.
nice onee 😂😂😂
"Bachpan main jab mein chota tha"
- Tanmay Bhat 2021
😂
Bhai bhai bhai
*Life Advice*
"It's good to be young,
but its not good to be stupid"
- *Tanmay Bhat (2021)*
Apne pass Rakh iski or apni advice
Intentionally stupid*
Eventually you will do stupid acts but don't do them knowingly.
@@indiajaihind182 why so frustrated? 🤔
@@maxpayne69. Andha bhakt lgta hai.
*La idr likh leta hu khi UPSC me na aa jaye* 😂🤣
11:59 - Those still confused, it's 30K per month not per annum
Yes I was looking for this comment, I knew something was wrong there
Its 30000 per annum
I was so confused. I calculated for a while and couldn't reach close to the figure 😂
@@sarthakmonga9107 per month!
it is 30,000 per year the returns are huge because of the 20% appreciation in principal every year
If I calculate like this, I have lost not less than 10,000 crores by now.
10,000 crores really it's BULLSH*T
Are tumare Ghar Mai paise ka peed hai chill maar
There are very few stock market genuine channels - PR Sundar, Abhishek Kar, Calsen Financials and Rachana Ranade.
Lol
"don't be stupid" inarguably the best piece of advice for netizens.
In an alternate universe tanmay actually investing rightly in his 20s and at 30s buying a ferrari from the returns OOOPSIEEEE
Exactly
Even in that case a Ferrari is futile. Its committing the same mistake just a decade later. I mean if you really are into race cars buy one, don't buy it for bragging rights it really won't scale well unless 3 - 4 crores is loose change for you.
Those who have saved and bought Ferrari, raise your hand ✋
Man has 30 ETH...the real question would be WHEN LAMBO
In another one, he looks like a Greek god 😂
Thank you Tanmay Baby
Fan fan fan
Sasta deepak kalal wake kaam kr diye na
You beatbox so good bro❤️
Why are you thanking "tanmay's baby"? 😂
"I'm not saying ghar bechke laptop lo" 😂
Him:"don't be stupid"
Steve Jobs: so you have chosen death
Thank you Tanmay Bhai
Are bhai tu yha
Haa na
Wah Fleetu... Ab tum bhi smjh jaao investment at an young age.. me bhi motivate ho gya isse❤️❤️
"Thank you Tanmay baby"
Are billu bhai
Edit and add " mwah " lol
Umwaaah
@@ubiquitous415 Hahahahaha
@@naveenpatel4809 mwah
2:12 editor saved Tanmay's mindlessness 😂 kidding!
Haha! Underrated comment!
@@whitewalker608 😂 thanks!
Niceeeeely noticed
Its greeeeeat to see a valuable influencer talking on most imp aspect of life : wealth managment on which very few talks. A great thumbs up to you , keep spreading awareness and knowledge.
& Now making 2 crores by posting the loss 😅😅
itta nhi diya hoga 🙄
20-30 lakhs I guess.
₹ 30k-40k .
every advisor after giving advise " This is not a financial advise " 😂😂😂.
its similar like " savari samaan ki khud zimedaar hai "
Add se pehle kaa disclaimer mai dude... Just take it as face value
love how tanmay is genuinely looking out for youth... People have all kinds of opinions about him..but after watching videos on this particular channel ..am actally kinda proud that of my choice of subscribers :D
It takes a lot of courage for someone of your caliber and status to accept your mistakes in public. Kudos to you bro. It's never too late to learn.
Fully sponsored by smallcase
Plot twist- Small case paid 2 crore for vdo😂
@@samworld1857 nah bro
Bhai Quora par sabne smallcase ko fruad kaha h. It's true or not pls tell❤️❤️
Ye kuch jyada hogya bhai😂
@@aakashkhandelwalvlogs5420 Smallcase is not selling you anything it just makes your process of buying and selling stocks easier. If you choose a wrong smallcase without adequate research about it ofcourse it looks like a scam.
@@aakashkhandelwalvlogs5420 Smallcase is not selling you anything it just makes your process of buying and selling stocks easier. If you choose a wrong smallcase without adequate research about it ofcourse it looks like a scam.
Thank you Tanmay Baby 😀
Baby elephant
@@Mohit-zn2rn 😂 underrated
*mwah*
@@Mohit-zn2rn Body shaming krne se kya milta hai Bhai?
@@swapnil3224 he cursed me on Instagram many times so I'm doing this...
Mind your own business
I randomly hovered over RUclips, found your videos, started loving these after 3-4 videos, liked all what I saw (seriously liked), subscribed it finally
I've been through a lot of financial literacy videos.. but seeing someone's mistakes give a "woah! Don't make these mistakes" vibe
Imagine saving 2 crores and die due to covid (sad music)
Imagine not leaving money for your family and die due to covid.
Not married then and no one in family then money is wasted and enjoyed by relatives bro
@@amanarora5 thats why there is solution called term insurance
🤣🤣🤣🤣
🤣🤣🤣🤣
5:40 I like the way he is confessing about ego factor that came in him with money without telling it as an ego . ❤
Great man, You are utilizing your skills of entertaining in educating (money management to start with). good to see that. Loved your comedy and loving your informative and entertaining videos which is really deadly combo.
Tanmay makes money by putting out how fucked up his decisions were
That’s a win win
Muah
Muah
Now, I am trying to find out the money that I saved during the pandemic by not ordering food online and no online shopping.
Can't find a single penny
Same here🥲
I realised right now that if Tanmay had still been running his AIB with all the different projects he did like before, perhaps he might not have had the interest which he has now in financial savings. He would have still be busy with every other comedy thing. I maybe wrong but it feels like AIB not being there and him facing losses after that company had shut has motivated him to learn all of this since. I have happy that I am getting to learn all of this, cause I have never had anyone who has explained me finance so realistically that it can help me immediately with my income. I am glad Tanmay is on this path.
Actually that makes sense... 💯😀
I recall a funny meme, a person saved his ciggerates money and he got a car and got into an accident, lol...
The part consisting of "The great indian middle class basket", there is a small discrepancy.. it should say 30,000 per month (or 3.6L per annum). Heavily misleads given the current numbers.
30,000/mth now represents
'Upper Lower Class'....
Area to area depend karta hai !
I think second last oopsie has a typo on the PPT, 30K investment per month instead of per annum for 10 years would make 1.956 CR
Yes, he said per month salary se nikalne dalneka
Yes
Exactly what I was searching for in the comment section.
Me too looking up in the comment section if someone else spotted that 😄
Yes
A lot of percentages are hyped ,generally low risk funds don't offer more that 16%pa.
25% and all are super risky equity funds.i hope people are aware and take the content just for awareness purpose.
Exactly
Even professional traders aim for 30-40% p.a.
More than 16% also not guaranteed
Always aim for 10-12% that's reasonable and almost guaranteed
In the long run its hugee. And u can risk for higher returns but that too with just 20% of ur networth.
Have you saw the rise in share price of the IT companies in the last 10 years.Its huge.Those who are not ready to take even a bit of risk In the 20's will only invest in FD all there life😂😂
Hey bro I wish u r fine I just want to know that with dmate account can I login smallcase because I have account on Groww and in smallcase Groww is not listed.
His behaviour in 20's is exactly like mine, chalo atleast gonna make way more than 2crores to actually fuck them up
“When prosperity comes, do not use all of it.”
~Confucius~
“It's not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.”
_Robert Kiyosaki
Why do we need to keep it for next generations ?? Is not one generation is enough
@@1Bond007 apne bacho par karz chhodega kya?
@@1Bond007 long term thinking
@@mandystop1077 I agree with long term . I am also interested in long term .. but how long? Age of 50/60 ? Or just keep and pass it to next generation? I am bit greedy because I reached my current level on my own (taking education loans , working part time etc) so I want to enjoy the long term benefit at some time.. or does this long term mean , just build wealth and keep it for kids??
Its how much money you make , corect the sentence
greatjob bro... misktk make us wise.. all the best to you
Damn!!! He actually lost 2 crore rupees in fun, thank you for sharing this information... 🙏
Thanks for guiding us.
You didn't lose all this money, this is the money you could have earned!
As u get older u relalize these are very same
@@abinodattil6422 true bud
You need to grow up for understanding same
@@abinodattil6422 not really. World doesn't run on "could've-should've-would've" principle.
By that logic you lost billions of dollars by not creating Facebook before Mark Zuckerberg did it.
It's called opportunity cost.
Losing my shit over the fact that you wrote for "Kya Mast hai Life". I loved that show so much. It's one of my most cherished Hindi Disney memories.
A great thing and great view you have given to the upcoming, I personally started doing and investing in stocks and even went deep inside it, now I take it as a business I do options and all, time teaches everyone, some are faster some are slower but it does, start investing start saving!! Peace ✌️
We look forward for that course ....nd very very thankful for doing such a good thing for us ....🥰🥰
i'm 30 now i wish someone had given me such gem of advices in my early 20s
It's not late
Start today
@@rahatthakur9865 can I do at 16y/o?
@@senggaopurusa8843 no, you should have pan card for that, you will get it at 18yo I guess
@@senggaopurusa8843 You need PAN card for that and you will get it when you turn 18.
one thing I would add, you just think that saving and saving and then you become old you just lost your time when you would have enjoyed. So invest but also enjoy your thing which makes you happy.
And then say kill the rich kill the rich all day long
@@lukario2393 who says kill the rich ? and why kill ?
Currently I am 17 and I'm gonna start investing when I'm will be 18 just waiting✌
well i love the way u give financial advice while saying ur not giving financial advice level bhaiiiiii
That Eating Out thing is so true.. In the last 5 years I have started earning, I have spent Rs 2,22,664/- on outside food and this is just the part I have track off. I'm pretty sure at least half of it was avoidable.
Me 2😂 for me it would be around 1.5lakhs for about 1.5-2 yrs ,
✔
Same. Earlier I would wait for mom to give atleast something for breakfast even if a lil late. Now if I'm up early and I'm hungry just a click and unnecessary breakfast expense almost five six times a month
But on the other hand. 1 he life h bhai khao bas.. life ka kya bharosa ha
Ok i feel better now. Thank you.
11:59 - It's 30k per month with 20% annual increment and 16.86% annual return.
Now it makes sense
Thx for the advise 🙏
The Konkani he said when he lost instead of making 2 CR is like my mom shouting at me when I bought a Burger.
11:59 I think there's a mistake,you have invested 30k per month, it's showing 30k per annum, and it would be impossible to earn close 2 cr ruppees with 17% CAGR with only investing 30k per annum.
well below that it did say 20% increase every year. so it is not 30k for each year
@@jayanthjeffrey5361 even then it wouldnt sum up to that.. he sure took it as per month not annum when calculating
Yes, its ₹30,000 per month with 20% increase per annum.
SIP is always on monthly basis.
@@whythough78 tat would make much more sense. i think it was an editing mistake most likely
yes you are right.. i checked on sip calculator to confirm and then came here in comment section 🤣🤣🤣
The exposures of the financial knowledge and variety of instruments we have today...we didn't use to have it back then...
Thanks man, you're one of the most unique content creators. 💯💯
Thanks a lot Tanmay bro 🙏🏻 thanks for nurturing us on savings and financial decisions.
THE guilt trip all 20 something needed. Mindless consumerism is truly hurting us AND the environment.
I'm 28 now wish I could have thought of investing much earlier😭
He's just explaining us how poor we are 😂
Idiot he is teaching small tricks to be rich and to not do such mistakes again. if you want to be poor for life then laugh but want to become richer then believe in yourself and do something !
@@dev_peace_soul dude it was a joke.....
@@EdwinTyler leave it... Kuch log joke ko jyada hi serious le lete hain, unki koi life nhi hoti....
This guy has never seen Tanmay's original channel and doesn't knows about bot army thats not his fault @Dev ravenclaw
@@dev_peace_soul grow up kid get some social skills and sense of humour .
He is like that comedian teacher, who used to explain shit in the funniest ways so that we remember those things for the rest of our lives.
Can we use zerodha or small case in others countries like Australia?
Better late than never. Thank you for the teachings. ❤️
Miss your videos nowadays. Hope to see you back when BGMI comes up.
@@Adityamehu gonna be epiccc
3:52 small case didnt existed back then so technically its not an investment advice rather brand integration gone wrong
Investment toh kar hi sakte hai sip, stocks and shit.
You can invest in those specific stocks without smallcase too
@@Nishugram exactly 😅
The numbers that he’s throwing are absolutely “bollywoodiya”…some one pls tell me how does 10000 per annum become 55 lakhs in 10 years ????? Even if it was 10000 per month, even then it doesn’t hit 55 lakhs
I am 29, and still wondering, who can someone at the age of 21, had a 5 lakh FD
Thank you sir .very useful
One book suggestion to you guys: READ "THE RICHEST MAN IN BABYLON BY GEORGE CLASON"
THANK ME LATER
it's a bunch of common sense, written in old English but worth a read
No thanks
@@bhavyapatunjal3674 Yes bro it's worth it💯
@@manaskumar3297 Nvm.
Happy to see how lowkey Tanmay is trying to save the youth from going broke later... looking at how the teens are more engrossed in Rocking that they completely forget stocking.
Thats the most boomer comment i saw so far
But where do I invest the money so that compound interest works its magic? I don’t understand where the compunding part comes into play when I’m buying stocks on zerodha?
Which stock did you buy
Which baskets are u talking about....I m so confused
This is one of the smoothest product integration I've ever seen. Absolutely GENIUS!
If I would invested my 4 year engg fees rather than studying...I probably owned that college by now😂☹️☹️
😂
Right
Only few people realise this yet
😂😂
🤣🤣
Very effectively interpreted. Thanks Tanmay.
How to find which app could be safe reliable and secure .........bcz most of the apps i know are of ads....
2:13 that was creative editing bro ! Tanmay pointed link opposite direction and post production made it more creative 🤘🏻❤️
just give him a raise already
Tanmay, it's extremely difficult to come out and admit your mistakes, for the sake of warning youngsters like us to not make those mistakes, your are one courageous person, also, suuuuuperrr kind. Thankyou Tanmay, sweetie, muah.😂😝😊☺️
Your name is Sarcasm
Too bad you haven't done something useful and praiseworthy in your life to be able to tell sarcasm from genuine appreciation.....😶😶😶😶
4:56 I really like you didn't say Driver ❤❤,instead of even got someone to drive around👍Respect
this does not make any sense
@@ctrlaltescape5904 why?
Thank to tell that ☺️☺️ and ofcourse u must have to release a financial advised videos over the channel👍👍👍
Plot twist - tanmay's friend did everything mentioned and now he is millionare and tanmay is oooopsie !
You mean Rohan joshi
Keep posting plot twists and one day you will become a plot twist yourself
Its not such a bad time in our life, that We will take you as an example...anyway I lost Rs..10 crs...I think
@@1Bond007 plot twist - ganesh's dad is typing from his phone
@@kirchoff07 ninnakkan tu...
Trading course bhi...hmmm good work Tanmay😉👍
Big fan sir.
Hello Abhishek sir
Sir aaab aap coure lav plsssss
Sir lekin aap best ho Trading ke liye👍
Haha sirji aap sikhao nai to youth lut jaege
what a great way to market the app. waah!
Honestly, this channel is so underrated!!
"Thank you Tanmay". I will skip the "baby and muah" 😂
😂😂😂
Nice content Tanmay 👍🏽
This will be very helpful for beginners to understand the power of investing at an early age.
Smart of him to time the ads at the exact right spot.
1:40 "bachpan mein jab main chota tha". Nice.
When everyone starts talking about stock markets that means the top is somewhere near, Be ready for a bloodbath in Global Stock Markets from August.
can you explain, more
It means " when Barbers give you stock market advice , the Market is overrated!!"
@@iambanik1480 peter lynch
I agree, even RBI warn about over valuation of the market
Indian markets are not overvalued , maybe in 2 to 3 years it can be but not now
I got goosebumps when you said that you are starting trading course...I was literally waiting for this tanmay... thanks a ton.. waiting for the content
Mia khalifa is also starting a trading course soon...
One of the best videos by far in terms of investing... aisa analysis toh CA bhi nahi karta.. and I m a CA so I know...
superb to educate people in 20s and 30s
Bhai fiat palio to leni hi thi FD pe beth ke kahi jaate ajeeb nahi lagoge kya
Guys my investment experience: pick some good stocks with strong fundamentals. Put money into them. Keep tracking once in a while. If fundamentals are not shaken much then remember: you will not lose. You will make good money. Also, stay away from the intraday trading. Whatever I made using long term investing was lost in a day because of day trading. Be patient, choose good stocks, make money.
What do you mean by "strong fundamentals"?
@@suvendroseal1724 Companies making good profit and having low debt.
If you know what you are doing intraday trading is also actually good as Investment.
Intraday is not too easy...for long term investing we don't need too much of a knowledge ... that's not the case in intraday trading it takes very much time to master our emotions and strategies.
plz dont criticize intraday trading, it is an art in itself, and requires a lot of patience, learning and practice, the reward being more returns than what one can earn by investing. :)
Tanmay could you talk about Inflation too. Yes Compunding of investements is important, but our investements must compound above Inflation rate to make any effect.
Don't know if happiness sums it up but thanks for letting me know there's nothing at the end into this materialistic world.
Tanmay is the only person who will say "I am the perfect example of how one can make a lot of money and still not be financially healthy for a long time". That requires a lot of balls to criticize yourself and overcome the mistakes you made. Apt channel name. HONESTLY
I'm using a Redmi note 4 phone for 4 years. In February, this year my parents gave me 15k to buy a phone. I invested it in mutual funds...
Now that 15k turn into almost 17k in less than 3 months😀
Bro buy a better phone as its not all about saving ppl earn to enjoy not just invest
New hardhad came 😂
@@naturalbeautywithin9293 mere bhai aise chutiye advice mat de
Bhai why do u earn money in first to make ur life better or others life better first have a decent life then invest other ways in bank 50 lks + but no home no mobile and life is hell so first invest in your then in others company that's what I ment bro
@Rahul Kumar Ye to Laxmi Cheatfund ka baap hai lol
I honestly feel girls might be jealous of Tanmays lipstick shade ,hahaa
Bro i watched kya mast hai life when i was a kid , I didn’t realise until today you had written it , great nostalgic feeling
I thought you leveraged and lost in the crypto crash 😂
Mere Dub gaye 😭😭😭
Then : ₹4000
Now : ₹2000
Mujhe bhi yahi laga.
@@saikatghosh9073 HODL
@@namenotfound4047 Abb aur kuch kar bhi nahi sakte
@@namenotfound4047 Bhai yea BitTorrent kya acchi investment hain
Dude 2 crore that's Insane
Everything is temporary but 1:43 "Bachpan mein jab mein Chhota tha" is permanent .
My friends make a weird face when ui bargain or avoid buying when they do....this needs to be share to them
U know people sincerely wanted others to learn when they talk about their mistake not about their wins like those investment gurus advertisement