29- Year- Old With Personal Loans Worth Rs. 15+ Lakh | Fix Your Finance Ep. 71
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- Опубликовано: 8 сен 2024
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Hello guys, welcome to another episode of Fix your Finance. In today’s episode, we meet a 29 year old cloud consultant living in Delhi. He has a work experience of ~4 years and earns a monthly income of Rs.65,000. In this video we discuss his income, expenses, and his multiple personal loans and no-cost EMIs. We also talk about his relationship with money and how to get out of a debt trap and control his impulse spending.
and much more!
Enjoy :)
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#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
This video was uploaded a few months back and had to be taken down within two days because of excessive trolling which is why we have censored the guest's identity and re uploaded it.
Yes because he deserves it
Bhai usko ek bar Gaali pad chuki hai Phir se kyo yeh video upload kra?
😂😂😂
@@sumit6190p😂😂😂😂😂😂
Bhai comments to ye bhi pdhega aur iska chehra duniya chuppa rhe isko to pta h ki ye yhi h log gali isko hi de rhe😂
It's only because of people like these we get to have good benefits on credit cards :)
lol
😂😂😂
Thanks to him
True story.
This man can never become financially independent….hats off to Anshuman’s patience level….. I mean paying 15000 to cook and then eating out for 25000 and he is saying he never comprises on food🤣🤣🤣🤣
Aaj pata chala k government ne mere gun licence approval reject kyo kiya 😂😂😂
Are wo 15000 ki koi bandi hai, koi cook nhin leta 15000
Isko personal finance nahi...1 rupee pocket money se start krna padega...HE IS A 3YEAR OLD ATLEAST FROM FINANCIAL EDUCATION PERSPECTIVE
How to fix your finance?
income badhao ❌
Kharche ghatao ❌
Baap ke age hath failao ✅
aur jor se FART maro gandhi wali smell ani chahiye 😅😅🤣🤣
lmao
Seems the person is intentionally trying to make anshuman angry😂
Old is gold! Revisiting the insanely expensive person!
Him: Mujhe pata hai meri skills kya hai
Anshuman: To bataiye kaise karenge aap
Him: Parents se baat kar lunga 🤣🤣🤣🤣
😂
😂😂😂😂
😂😂😂
I don't think he wanna fix his finance. He wants to know how to defend his expenses without even giving a rationale thought, hadh hai!!
He is still proud of his spending and lifestyle. Somehow I feel he is exaggerating all things to get publicity as he is proudly telling and justifying his spendings
He is flexing
lmao his face is blurred, what publicity you talking about?
Anshu re-uploaded with blurring... Got it? @@tusharagarwal9347
Bhai loan la ka iphone gift🎉 so stupid
@@tusharagarwal9347 may be I am wrong..sorry if you felt bad
If i was in your place, i would have said "Fuck your Finance".
My anger issues can't stand him doing messed up decisons one after another.
😅😂
Fuck your finance 😂😂😂
Anshuman, i liked ur patience in this whole video. You may rename the guest as Mr.C instead of sumit
Mr. C😂
C for ......😂
Actually please don't troll him he is a victim of consumerism, I am a financial planner but still my brother was asking to get him a iphone through my credit card 😢
I admire Anshuman’s patience. At times he did seemed to loose his cool but held it back 😅 Still went all the way and provided solutions. But don’t think this guy reciprocated it though 😂
yup agree.
What people fail to realise is “Money Management is actually Emotion Management “. You first need to manage your emotions in order to understand managing your money
This is true
Most hilarious video on personal finance i have ever seen!! 😄😄😂😂
Bhagwan aisa dildaar namuna sabko de jo loan utha k paise daan de
Anshu: it's very difficult to manage severe debt.
He: wait, I am confident to pay off the debt because I have Skills 😅
Anshu: what skill?
He: I will ask my father to pay off my debt 😂 and pay him the EMI
POV: Anshuman understood the situation and said him that it will be a tough conversation for him with his father! -- how come it will be tough? He already said that he has the skill to borrow money from his father.
Legend knows this is a re upload 😂😂😂
Kya legend usne khud likha hai re-upload hain
Yes
yes with that personal cook thing
yep
Yes. I remember his food expenses 50k
This episode shows the importance of teaching Finance Planning to Kids. Looks like he never seen the worst and parents covered all his expenses till date and he is not able to see other side of coin.
Anshuman must have needed "Fix Your Anger" session after this😅😅
For me he is the best person so far jisko solution pata hai par karna kuch nahi. Wait for couple more year with this same spending habits. Also I felt ki koi cousin wasin ko nahi diya hai phone wo cousin nahi GF hogi lol.
Even if he was paying 15k to cook (regular cost would have been 4k-6k max) his 25-30k per month in Pune is still acceptable, due to rent being low, only problem is mindset, who takes loan at 10% interest to loan money to a friend, 500-1000 is understandable, how was he able to job as senior cloud engineer with such priorities, hard to understand
Bhai I think you are living like a king. And it is very difficult now to live like a common middle class person. Kya cheej h bhai tu .. Salute
Problem is, this guy is not ready to accept his mistakes and he thinks spending 60-70% of his income on food is convince. Obviously his parents are super rich
Economy aise log hi chla rhe h.... Baaki hm aap toh savings k chkkar me pde rhte h
Sahi baat bilkul😂
Aap bhi savings ke saath saath invest karo kahi par, aap bhi apna contribution dogey economy ko😅, par aise loan main invest nahi.
It's my personal opinion but I think the reason we Indians are bad with personal finances is because talking about money within the household is still considered a taboo. Parents hesitate to talk about money on the dinner table, what's debt, how bad are loans, what's compounding, basic calculations. If you're a parent reading this, please please please start talking about money in front of your lil ones. Start em young.
I now get it why the dude's face is blurred....so that he could get married.
Boy, I want to give him a 100 tank salute but I have retired to my bed and I don't have so much money nor I have this unique relationship with money which this dude has and don't wish to have ever.
Anshuman you can make your program more interesting by carrying a cane with you for deserving candidates like this dude. One could make out from your expressions that you wanted to cane this guy.
Amazing.....banks and nation loves him.
😂😂😂😂😂 😂😂😂😂😂😂😂😂😂
😂😂😂
One of my fav videos...
This is one of those videos where Mr. Anshuman's expressions were so hilarious (Not to downgrade the opposite person though!)
15:23 expression is next level.
I give you another one, see 7:50 😂😂
"Itna toh Banta h na mere liya" 😂 yaar ...
The way he is handling his finances, I can say that he is literally playing with fire!
He seems to be an emotional person. Gives more priority to emotions/relations. I have a friend like that. But that is okay, nothing there to troll them. Its their life, b st you can do is suggest/guide them.
Result of zero financial literacy 😶
not at all , this is result of ameer bap ki bigdi aulad....
Incorrect. coz he is a Hutiye.. iska kuch nhi hoga...Dad ka laadla h🤣
Absolutely
He is definitely a businessman spolied son !
No not businessman. He has his eyes on his father's retirement amount.
@@ishanchawla8290😂😂
@@ishanchawla8290 Probably Govt employee
When him telling story
Anshuman : 🙃
Him: 😎
Glad Anshuman reached him on time otherwise he would have also bought Apple watch on loan 🤣 We also need people like him so that bank earn good money from him, so investers like me can generate some returns.
Bhai ka skill set is baap ka paisa 21:21
Bro is living life king size😂😂😂
My most favourite thing to watch on RUclips is Fix Your Finance ❤❤
Bhsi ye bande ka confidence ko salaam h 😂😂
@anshuman you were very patient talking to him. Well done bro. Love your videos.
why reupload? there's been alot of inconsistency going on this feels bit weird
Person is from ultra rich background.... salute to anshumans patient
this brother is a home boy and full support of parents
Love guys like him they should be celebrated more. Funding banks is no small feat.
Switch karne ke liye baat karta hoon. Kisse baat karega bhai 😂
Wisdom travels fast but this man is faster.
We all should thank him for immensely contributing to our GDP ❤
Anshuman gave up at @7:50 onwards
Yeh
Moorkh hai yeh ladka
He is earning 65,000 still you're thinking he's earning less. And here I am who is earning 48k still I think it's enough for me.
He is living far above his means. The lifestyle he wants doesn't really seem to be supported by his income.
48K rent hota hai Tier 1 city mai 2-3 BHK ka.
Khue ke Madak mat bno.
He didn't say earning less. He is earning less than his expenditure.
65k salary having iphone, Mac,.... Is it really required?
I'm with 20K 😂
@@ambition4195 Bangalore mein rehta hu bhai still I'm saying this. Also, 48k rent? Kaun se nawabi hotel mein rehte ho bhai tum? Bangalore ki hi baat karu, 7-10k mein tumhe 1 bhk rent mein mil jayega whereas for 2 bhk it starts from 12k - 20k. However, if you want to live lavishly like a king then ofcourse it'll cost you the amount you stated.
He is a perfect example of "awara ladka"
This guys is a legend - rewatching again - never thought indians can be this less prudent
"Something", "I think" and I Guess" kuch specific nahi hai.
This reminds me of quote, when you purchase things that you dont need you might have to sell items that you need in future
Anshuman- you are really patient…. I would have shouted at him or shown some kind of frustration in my face
Koi dhakka mukki nahi karega, Sabko gali dene ka mauka milega...
Damn the house help part😲 Many of my friends paying more income tax than his salary are spending 5k-6k only for cook + maid. Sick!
i think this is the kind of money discussions people should have before entering into marriage. What if one doesn't understand basics about money
I think I have seen this episode where I remember the face was not blurred. I was frustrated back then when I saw and I am frustrated now after watching again. I hope he improved a little bit.
It just been 7minutes of watching this and i realised ,bhai ne chod rakhi hai apni finances ki 😂
Bhai ye to sab ka legend nikla.
Anshuman ji hats off your patience level
This almost felt like a mockumentary like the office
This is the most funny conversation I have ever seen on this channel 🤣🤣
Ye video Maine pehle Bina blur ke dekha hai
good guy, giving importance to relatioships rather than money
This person need Anshuman specially to give him understanding about food expenses. 🤣
This seemed like to a Roadies audition. Anshuman was this close to roughing him up 😂
Guys don't misunderstand him he his government servant's son. Ese hi jiya hai
I found an out of the planet living person. Wondering how many of those are living out there
Make videos in English, Anshuman. Or atleast, add subtitles, so that it could cover a larger audience too.
Most of the youngsters are in the same state. May be not so dire, but most are hand to mouth, month on month basis living.
Men dependent on thier parents anyhow 😢😢😢 They should support parents ….
The host's reaction the entire time:😮
Kuch bhi kahao banda bahut dil wala hai…
Bhai mai kahu ...bhuktbhogi hu..mere sasur ka 52lakh ka personal loan tha ....last dec mujhe pata chala ,sarghum gya.....turant ek farming lang 1.2acre ka 60 lakh ka becha n vo sare loan zero kia....paglo ka kya hi kahe....khun jal gya mera ......8 sal me. Sasur ne 83 lakh ka khet bech dia .......mujhe bas pata der chala almost 7 year ke baad saal
Meri 1.5l+ salary hai aur abhi do week pehle tak mere pe around 80k ka cc bill chal raha tha kyuki maine apne finances ki laga rakhi thi. do week pehle i was like fuck it imma pay off everything kyuki mujhe agle mahine cc bill nahi pay karna tha. mujhe literally anxiety ho gai thi ki unnecessary expenses pe itna laga diya tha like 17000 ka riding jacket leliya, gadi mein thode cool accessories laga diye, fiance ko airpods gift kar diya wagera wagera. last month ki salary k after savings, MF and paying off 65k of the bill i was like next month bas 15k dena hoga. meri usse phat gai hai. and look at this guy! he so chill! aisa delulu mujhe bhi chahiye.
last week hdfc ka cc bill aya 1 rupees and phone pe was like" bhai kamse kam 100 rupya toh pay kar" i was so proud!
10% pe load lekar kisi ko diya - aurat ka chakkar hai bhai. sab samjhta hun main
Anshuman: apko sahi lagta h jo ap kr rhe
Him: sahi na lata kya kare mn krta h😅😅
Bhai ye mahan admi hai😅
Why reposting old video bro?
Usne objection liya hoga face use karne se
Exactly
Arey start hote hi yaad aa gya, ye to wo ameer baap ki bigdi aulaad wala video hai naa😂
Nhi normal baap ki bhikari beta . Jo 1 no ka aiyash hai
A lot of negotiations have happened bts. Good for the guy, hope he realised his errors
Aaj pata chala k government ne mere gun licence request reject kyo kiya 😂😂😂
Bah kya hi skill set hai bhai ka
@anshumanfinance disappointed when you suggested to use the option of using his fathers retirement fund. Man imagine if that really happens, it will destroy two or more lives one is his for sure and another his retiring parents.
Thats so not fix your finance, its doomsday finance
Is it only me ? Why are the videos being reloaded as new ones ? :p
While saying "Thik he"anshuman expressions😅
God forbid 🙏🏻😂 I fear removing 20-30 Rupees from my UPI as I want to see the same digits everyday everyttime
such a Dildaar bnda he is
Bhai matlab khud loan uthakar isne kisi aur ko paisa diya h uski help karne k liye yeh toh gazab aadmi h…..itne saare loans
You can see Anshuman slowly losing his mind 😂
this guy is like me, full on chill, gaps here n there
He eyes on his dad's money, Poor dad.
Anshuman isko fix your finance nahi , fix your mind ka session chaiye 🤣😆
Too rich and too privileged.. wow.. personal help is too much and I am flabbergasted.. all the best to this guy for his financial future.. no hate to him!!
Can you come up with episodes where you talk about mutual funds for short term and best balanced funds
18:17 You can't be almost 30 yers old and ask your dad for money unless it's some crazy emergency.
I got scared felt like im having dejavu 😂, then saw the comments that it is a old video reuploaded
Ek hota h jeene ke liye khana,ye hota h khane ke liye jina😃
कैसे कैसे लोग रहते हैं यार 😅
ऐसा इंसान पहली बार देख रहा हू 😅
bro u have done some finance mistake but just execute all the ways which anshuman gave u then u will coming in future in this show with fixed finance - all the best
10:17 Anshumans reaction is of shock!! 😅