The first step to making more money
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- Опубликовано: 11 сен 2024
- Download our sample budget sheet and start making your own budget for the month:
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![Chlöe - Shake (Feat. Jeremih) [Official Visualizer]](http://i.ytimg.com/vi/aDs_1ufpfv8/mqdefault.jpg)
Lovely! What a great way to engage with youngsters about something that matters to them!
Ah to find u here nice day XD
Big Fan Abhi Bhai ❤️
Wow! U guys are here ❤
chatne agay
Ye comment ab Abhi sir ne kia ya Niyu ma'am ne kia ye sawal hi rahega 😂😂
Hey guys, I am here from 2028
Madhur and riya are now settled together. Riya got a huge hike whereas madhur lost the earlier job because important meeting ke din pulsar kharaab ho gyi. Now they are waiting for tanmay to make a budget for them as a whole so that they can plan their future accordingly.
Also, upen succumbed to steroids overdose
*Is Upen still in India or fled to UK ?*
Now upen is working as fitness instructor , he recently started his protein supplement start up
Or me yaha gaand marwa rha hu
🤣🤣🤣🤣 succumbed to steroids overdose
Is that you Madhur?
One thing which has really helped me is to have a fixed monthly budget and then divide that with 30 days and give myself a daily allowance. Agar allowance ke upar gaya to next din starve, neeche gaya to kabhi aage jaake reward yourself. It works wonders honestly! I started off by budgeting everything as Tanmay mentioned and in 2 years I was able to get better at allowing myself to spend, responsibly. Regardless, taking your budget one day at a time works wonders!
judwa bhai
Ah I used to do the same when I was trying to save money to buy something. Worked like a charm 😅
@@HonestlybyTanmayBhat hi
I am biggest fan of you
I follow that too!🤪 For weekends I keep a lil bit more than weekdays
EMI trap is very real. For example you can hardly afford a 15k smartphone but end up buying a 70k phone going for no cost EMI offers. It took me 2 years to realise that I was spending 30-40% of my salary to pay EMIs. Then it took me 4 more years to get out of that trap completely.
No cost emi ka matalab kya hai
Matlab bina interest ka EMI.
Let's take a moment to appreciate what he's doing just to educate people with whatever knowledge he has..!!
Sir what happened no streaming missing it sir pls come back and go on with streams
Sir pls vlogs banao lockdown mei
Bhai money ke upr please pura season karo bhai pura 10 season. N bht sare episode karo bhai educate karo money related topic pe .mujhe koi bilne wala hai money related topic pe . Bhau stock market ke upr bhi karo bhai. Pura depth tak kya advantage kya disadvantages kese karte kese research karte hai . N big fan of ur work . please all viewers like the comment so that he can read it
Arey he's not Tanmay Bhat🤣
Yes now he's on with knowledgeable podcasts
You missed out on a few things on the budget which i've mostly considered :
-medical bills ( if a person is living in the city, they need medicines and at least quarterly medical checkups)
- a lot of people go for therapy, so at least 2k a month goes behind therapy or spa or any sort of body and mind maintenance
- public transport and uber combined minimum 5k a month, cz even if you have a car/bike, no one drives it while going for drinking
- electric bill
-if somebody is living with their parents, at times they support their parents medical expenditures too.
- if we really want to save money, the best practice is to create RD's. So that even if you're know you're not saving much at the back of your head, you know that there is a fixed amount of money that is getting saved in a piggy bank within your bank account, which you can access 6 months later. ( secret: this is how i afford my plane tickets to go back to my hometown)
Very Valid Points !!
He included electricity bill i think
What's RD
@@k__ashu RD is Recurring Deposit. It's like a Fixed Deposit, but in a shorter period of time, you can access the money and not a very high amount is required to do RD's.
So, for example, you wanna put aside 2k per month for a period of 6months. The bank will keep deducting exactly 2k per month from your account for 6 months, and after the month, the whole money will be appended to your account (which is 12k at the end of 6 months), along with some small interest amount from the bank. This is mostly helpful if you have a big expenditure planned after certain period of time and you know that under general circumstances you aren't able to save much.
@@samarthpandey8483 sorry. my bad. must have missed that line. But during the summer season, use of air conditioners are extremely high, due to which the bill exceeds the budget, bro :D so i kinda added it from that perspective.
No one in the world has combined finance with comedy
bohot hi chutiye, dhunde to pataa chale
Graham Stephan, Andrei Jikh, etc. Welcome to RUclips!
@@ExtremistEnigma Graham Stephen is my sprit animal #saving
2:03 puri duniya aor unki sasuma😂
What about our government..our financial situation is basically a joke
My budget
Salary - 10k/month
Rent- 5500/-
Recharge- 400/-
Kirana - 2000/-
That's it.
@Kalamkaar gaming mai bharunga bhai add 500 then 🤣
@Kalamkaar gaming btw abhi salary badh gayi hai toh this budget is useless now.
@Kalamkaar gaming bhai I'm a mechanical engineer 🤣 aur best thing ki paise bhi milte hai 🤣
13k salary hai ab par freelancing bhi krta hu.
@@abhishekr177 it's ration
@@aniketdandagavhan1405 good bhai badhte raho AAGE
Tanmay the content you are serving on this channel is one of its kind,Very unique and Learning,keep going
Meanwhile I live in Ahmedabad, earn 70k and save 50k flat after all the expenses he mentioned :D Now I realize how cheap Ahmedabad really is!
Great
Not all IT sector people earn 70k p.m. many start from 20-25k also. Plus staying with parents makes a huge difference.
I'm living alone in mumbai paying 28k rent. Its a major expenditure but it's my choice and i have such liberty 😅
28k rent
@@msdadsfsx no bro... Bas ghar mein do log rehte hain.. Main aur meri tanhai 😜
@@SaurabhKhatri21 hats off to your patience dude
Mumbai main 2-3 saal IT ka experience le ke bhi 15k-20k tak hi milta hai.
@@sandeepsingh-cy3ck toh kya faayeda it padhne ka mithaai ki dukaan jyada chalegi isse
I think there is some problem with the tax deduction method you used there. If he gets ₹70K/Mo (After deductions like PF, EPF, etc.), it turns out to be ₹840K/Year of in hand salary. If he opts for the new Taxation scheme, that is,
Upto ₹5 Lakh - NIL
₹ 5 Lakh - ₹ 7.5 Lakh - 10%
₹ 7.5 lakh - ₹ 10 Lakh - 15%
For ₹ 8 Lakh 40 K,
So the net income tax turns to be = NIL(5Lakh) + 10% (₹7.5L - ₹5L) + 15% (₹8.4L - ₹7.5L) = ₹ 38,500 per Annum
After 4% Cess (Tax on Tax) = ₹38,500 + 4% (₹ 38,500) = ₹ 40,040 per Annum
So the net Tax/Month = ₹40,040/ 12 = ₹3,336 = ₹ 3500 (Roughly)
So, he is left with ₹70K - ₹3500 = ₹66500/Month (After Taxation)
Post Deducting the Living Necessity = ₹ 66500 - 27000 = ₹ 39500
Post deductions of Luxury wants = ₹ 39500 - 15000 = ₹ 24500
So basically he is left with ₹24500 as his savings.
Let me know if I’ve made any mistakes.
aap CA ho kya?
@@aheesh8501 Nhi... I'm just another Engineering Student with great interest in Finance 😄
Correct - i also was going to point it out..
Oh bai
@@codinger4182 you are great bro and your finance knowledge is good 👍😊 you calculate everything perfectly.
70k it me kam se kam 3 to 4 years experience chahiye starting me 10k hi milate hai max logo ko 😂😂
Haa bhai sahi kaha
I was offered 8k in 2015 by a start up in noida with 2 yrs contract. Ye log patani kahn 70k le rhe h. I mean yes many of my college mates were offered that salary but that ratio was 1:120
Bhai for IITan 70k is reasonable.
if someone is sheep in a herd then company 10k dekhe obviously khoon chusegi. but if same someone who is IT/comps engineer with good coding, designing then you don't actually even have to work for company.
Jhunjhun wala college se pass out hone se yahi hoga XDD
Replacing my name with Riya, feeling personally attacked with that Graphic Designer salary :P
😝😆
Haha. Graphics designer earn 12L
Mereko to naam replace karne ki bhi jaroorat nai 🙄🙄
But honestly what is a graphic designers salary?
~From a Vfx Artist
@@ishirn3917 if company is good and experience is 5+ then it's above 12L
Make a budget for students with pocket money travelling by train and want to save and living with parents, in hostel and living with room mates
True bro
Khud bana na....sikha to diya
Sahi vola
69
dhushan, u might not like my words but go to your dad sit with him tell him you want to budget your expenses
FYI: my dad isn't that educated but when i was 16 i did went to him asking "how shall i manage money"
he didn't just help in his perspective but also it might made my dad feel like i'm being responsible in your life.
Haha! I’m that Riya 😂 that example was so relatable.
😂😂
😂😂😂papa ki pari
epic advice: salary doesn't matter, what you save matters.
Actually salary matters..the way u live depends on ur salary
So basically ur present is Salary and future is saving
One needs both of them 🙃
I wonder how these people are managing without cooking gas and electricity.
🤣🤣🤣🤣🤣🤣damn
Cooking gas is included in grocery and if you listen attentively he did include electricity too.
Tanmay, it feels super awkward to say this, but You're a genius. Honestly.
He actually is one of the smartest youtubers
in India
So true i feel that every single time
11:11 "Salary does not matter, what you save matters"
This makes a lot of difference, specially cause people think they earn too little to save or that the amounts they save are inconsequential.
Saving is a habit. When you get your appraisals and earn more, through the years, you will save more and more every year!
Another thing that I still do with my budgeting exercise is first save and then work backwards to my expenses. This helps in having targeted savings each month and not just a random amount of ‘jitna is mahine bach gaya’
Honestly by Tanmay Bhat
Looking forward to it! The guiding principle that my mom taught me as s child was - the easiest way to save is to get money deducted even before it hits your bank account. In other words, setting up auto payments to your savings’ accounts really helps cz then your brain works with the knowledge of ‘itna hi salary hai mera’ and you’re able to manage accordingly.
Also extremely important to build an emergency fund before one starts saving.
This isn't advisable by any financial planner.
When we have income less savings, we would do unnecessary expenses just because Bahut paisa hai.
Instead we should be calm and save all the money left. You might be talking about SIP but saving besides there is also must.
Bro 70k per month for a IT fresher is just similar to a new guy at the comedy store opening for Dave Chappelle at Madison Square garden!!! Adjust for beraham duniya
that's what i was thinking lol fuckers gave 70k.
You can get that kind of salary only if you are from an IIT/NIT/IIIT/BITS etc(premier engineering college).
The way to become rich is to do 4 things.
1. Have multiple sources of income - Buy dividend paying stocks
2. Own other people's debt and not be in debt yourself - Buy bonds (ie owning other's debt), pay your loans and credit cards bills in full
3. Use the power of compounding interst - Invest in long term FDs which add the the interest payments back into the principal
4. Pay less in taxes - Register a business in your name and buy yourself stuff showing it as business expense. Find yourself an honest CA and register an OPC in your name.
Everything else, like equity stocks, crypto, real estate, is more or less gambling.
bhaai kya bolna chah rhe ho..?
pehle point ke baad heavy heavy jargons fek fek ke maara..😅
Well put.
@@AbhijeetThakur go to Urban fight channel, you'll get this jargon easily
Im screenshot'ing this. Save for the 4th which seems to go against my ethics, golden.
Equity stock is not gambling
Maybe you don't know how to invest properly in them
1:16 I literally watched this scene 20 times 🤣
clearly tanmay doesn' t know how much graphic designers and IT people really earn. common man, 20-25000 is starting wo bhi luck se!
Thanks Bro...Im like 8 lakh ka minimum package...konse dimension mein reh rhe hai yeh log bc
@@msdadsfsx this is why you must be open about your earnings. It increases your value.
30000 ctc he tcs ka package
They're like Modiji. Making their own scenario
i know someone who is a VFX and SFX artist, makes 1Lac/month and she never worked for any firm rather works as self-employeed/freelancer. shockingly it's just been 2 years for her freelancing career.
I spend 50% salary (take home) on paying home loan (started 6 months ago, should have got possession by now, but thanks to lockdown, it's delayed.)
25% of my salary goes for my room rent.
Remaining 25% is what I pay for maid, groceries, bills, etc. I don't have money left for things i want. :(
Hold on friend. Just a little more time.
How is it now?
Got possession of my house, so i save the rent 😁
Bro don't underestimate Zomato expenses 😂
This shows how far away you're from the real world. Average monthly salary for an IT guy is 70k. This is too much even for a joke. And when he is already spending 250+300 monthly on his phone. What would he do with internet? Why do you forget that calls are free and whatever he is paying is for internet. And if you're just talking about budgeting here than I think if a person is earning 25k a month than He is just surviving. People are even working for 12k a month. They pay their rent and eat chole kulche near their office in the afternoon and for supper they just eat a thali somewhere or cook anything which can just fill them up.
I agree.
Bro everything is good but
How to earn money 🤷♂️
That is not what this podcast is, it's about how you can make use of the money you have.
@@msdadsfsx 😂😂as if politics is easy
Learn a skill offer that skill as a service
Or build a product or curate and sell that product online
Padhai
@anime freak haha true
This is such a fun series. I'm hoping this leads into some interactive ways of what can be doing with savings - through trading and investments.
Few things i'd also bucket into budgeting expenses:
- Holidays/traveling
- Art/Passion related expense (Buying a camera, musical equipment)
- Students with big loans (education or house loans and not just a bike/phone loans)
- Also how this factors for young families (Someone who's 30-32 and married and is just about to have a kid)
And this might just be a future corporate plug (for a splitwise or similar companies) - but maintaining a budget regularly as opposed to doing it one at a time. How do you get better at this? How do we make this a habit?
Cheers and look forward to following this entire series!
Great reference for the uninitiated.
Some feedback: I think more salary brackets (preferably 5) would have given a clearer picture. And getting in one person each from the same salary bracket, or who has earned the same bracket will give better visibility into specific expenditure points.
Edit: Absolutely not a troll. Honest feedback from my side. This is a fantastic initiative by him and told in a uncomplicated way to reach a lot more people.
* applause in normal sized palms *
Maqsood bhai tum bahot aacha kaam karta hai apun ko tumko thankyou bolne ka hai ... Ek jhaapii
I first thought tanmay can only do backhodi but now I came to now that he can do backhodi with knowledge. 😁😂😁
Who cannot ignore his palms after getting conscious about it
I really would like to appreciate the things ur doing to educate us...
Great work Tanmay. You are truly working for the youth of the society. Your efforts will make our generation strong. You are even better than teacher. Salute💪
30- 35 thousand for a designer that to fresher :D me who started at 12k
now 15k
Find a better place to work at bhai! I was under the same illusion before. Though I am not a designer myself, I work with them. You will definitely make more
I want to search for that small town boy madhur who is earning 70000 and it's average
Yaar ye TCS walon ko bhi consider kar lete....madhur jitna mahine ka tax bharta hai wo unki starting ki salary hai...
Please consider me I mean them..
THANKS FOR USING YOUR REACH RIGHT AND TALKING ABOUT MONEY TO YOUR AUDIENCE THAT'S ACTUALLY THE YOUTH OF THE COUNTRY
Already watched the episode when you added it in playlist as Final cut, it was a great one! Love you Tanmay bhai
When??
Hacker lmao
My budget:
Income- 100,000
After Tax- 75,000
Need - 5,000
Want - 1,000
Miscellaneous - 69,000
school and colleges never taught us this! learn it today!
Hey don't shit on education system so much.
I mean I studied from state board and they had a primitive version of this in 8th.
Should have studied.
we do learn about it, it's the importance we give it but I am from State boards so don't know what's happening to you guys
After listen this word budgeting I just realise to revise my costing chapter of my CA course 😊😊😊😊 thankyou
I will forever be in your DEBT for making this!
Although Covd-19 has put a halt to this but our generation is obsessed with travelling and it's something that ideally needs to be budgeted for.
Besides I think if you are young/just starting out there is always some kind of education expenses either as repayment of loan or budgeting /spending for higher studies (MBA/CFA etc.) or certification courses just to improve professional skills.
When it comes to women they end up spending a lot on clothes (formal attire or party) an personal care/grooming stuff as living in the city does require to living up with the lifestyle.
Finally in my opinion those people who are in relationship or dating then toh bichare extra spending karte hai than singles 😂😅 and it's almost a crime to be in love relationships!
Need to add one highly important and missed out expense while budgeting...
SENDING SUPER CHAT. (Especially if you are sending to Honestly channel during joke writing sessions)
Bhai 40 rupees kitna effect kardenge bande ko
Ask Anirudh Khanolkar 🤣
@@seemawig9397 100rs ki sc chalti h honestly pe...daily sc = 3000 rs monthly!!
@@kushaljain3767 saal ka 36000 holysht
wtf 😂
While calculating net income, they just reduced the income by 25% whereas income tax is calculated by using slabs. So, the first 5 lakhs, there's no tax, after that, the balance income will be taxable as per the bracket.
This is giving me anxiety
Mechanical engineers Ka budget bana(avg 15k salary) 😢
The tie size is equal to tanmay’s palm 🤓
Finally koi aadmi jo itni important chiz pe baat kar raha hai. Love you bhai.
Tanmay: Speaking wise things.
Me: Tanmay's keyboard is so trippy.
Thank you tanmay you have increased my knowledge and made my future self better
By the way love your sense of humor
AIB:
Tanmay 1st channel:
Tanmay 2nd channel:paisa he paisa hoga
IT engineer starting salary is 22-25k in hand, all freshers from TCS Infy Accenture Amdocs Lnt will agree.
7OK IT engineer gets after one or may be 2 switch and then he gets married.
Budget Hil gaya!
That's the whole problem. I guess same goes with similar professions.
70k??? For an IT guy??? Wtfff!!!!!
none of them has IT friends JUST SAYING xD
SDE at Top companies (like Az,MS) generally makes around these figures.
@@KaranSingh-or7yy Amazon/Microsoft have starting salary around 1.2 Lacs.
@@nilargharoy8810 in-hand salary it's more or less the same.
Yes. They earn way more
Whenever one starts earning income, from 1st salary itself one should
1.Get Life Insurance(the earlier the better as premium would be lower and keeps increasing with age)
2.Get Health Insurance(Apart from Health insurance provided by employer)
3.Build emergency corpus gradually (covering min. 6 months expenses, no max limit)
These 3 things are crucial before starting any investment in FDs/MFs/Stock market
thanx m8 will definitely be doing this
Why is a health insurance needed separately if it's done by the employer?
BHAI MEDICAL EXPENSES
Can you make a episode on early retirement.
Like how much money is enough to go for early retirement. (A number would be great to know)
How to plan it.
So a considerably good (not very lavish also not very broke but a decent lifestyle) can be achieved after retirement.
what investments are best to walk on this path.
Also what would be a decent age for early retirement.
I like your videos. you are very nice as a person.
12pm is too late re bro. 6 am sleep time 2 pm wake up time. see u at 3 pm to watch this vlog bro.
If a person earns 70k a month and has a total taxable salary of 8.4 lakhs a year, the tax calculation isn't done as simply as 25% of that amount. The tax on the amount that is part of that bracket is levied. So, when you take 25%, it is 25% of the amount above 5 lakhs and below 10 lakhs. Additionally, you have completely ignored the tax exemptions that come from section 80C and house rent allowance. As the employer would be deducting provident fund contribution for the person, there would be some amount of exemption under 80C even if the individual doesn't choose to invest anything. A better estimate of the Madhur's monthly salary would be around 62-63k which is 10k more than your estimate. Even if we include health and miscellaneous expenses of say 1k a month, his savings would be almost twice of your estimate.
Is it me or did they forget to factor in food as part of the expenses for the first and the third person? groceries and foods are daily essentials.
Hi Tanmay, thanks for this initiative to create the spreadsheet. For someone who is a salaried employee, could you please include following as well ?
1. TDS
2. Include various other Monthly Savings Schemes like FD, NPS etc.
3. Doctor and medical expenditures
4. If a person is taking some kind of training on some subject, that expenditure
Observation : Online Groceries has been entered twice. Was that purposeful?
Tanmay's content is always different, amazing and definitely something that you can learn from. You're an amazing personality tanmay, keep growing, this is just the beginning ♥️
mera business hai 30k bachata hun 20k mein all expenses 4 member. i20 hai 2 activa hai jio fibre hai 1.5 ton ke 2 a.c. hain. 50k salary mein ye budgeting hoti hai. future mein kharcha badhega kyunki member badh jayenge
When you’ve been catfished so hard by adulthood that a comedian has started teaching you *finance*.The entire generation relates
Thanks for FINANCIAL ADVICE which is really necessary for teenagers like me!!!! 👍
thank you so much Tanmay Bhat, its sooooo helpful ,literally tears in my eyes that someones talking about this topic and helping people out .great job ,looking forward for more of these 👍❤️
Thanks a lot 🙏for attaching the sheet, I have been thinking of making the budget plan for a week now. And the image of blank excel staring at me, just made me procrastinate more. Now done in 5 min 😀
I feel like their expenses r too high like they r wasting money on Netflix and all (pirated mil hi jaata h ) also buying a bike in start is not a wise decision like from this small small things can get a hefty amount of savings
Getting this awareness was the point of the show I guess ..
Also there are people who repay their education loan EMI... It eats away a lot too...
Another thing that helps me immensely is the Recurring Deposits. So once ive set it slightly ahead of the day i get my salary, it automatically removes money from my account thereby never giving me the chance to assume that i have a lot. A simple device which keeps piling on and keeps hatching eggs, slowly albeit surely
Loved this initiative. Young minds needs to hear this from some cool influential person so they can follow it.
Also our friend circle plays a vital role in investment/budgeting. Innke chaakar me paiso ka hisab hi nhi rehta.
Bring kunal Shah - BEST PERSON EVER... philosophy + Intelligence.
2:11
To quote a great man, "sakhti"😂
Damn that expression at 1:57 😂❤️
I was corona positive on 3rd April 2021. During my home isolation I watched nearly all of your vlogs and podcasts. Enjoyed your work that was both funny and informative❤❤ My budget goes like:
My sal : 70k
Food and Grocery : 11k
Restaurant : 3k
Wifi and Idea : 1.5k
Shopping : 3k
Petrol :1.2k
Travelling : 3k
Total expenses : 31k
Total savings/month : 39k
This madhur was exactly me small town boy moved to big city living with a friend does that IT job until tanmay started quoting my salary.
Tu close bhi nahi hai Tanmay.
(Sad wala music bhajate hue)
Usse nhi ota ki nye bando ko kitna kam milta hai
Exactly :3 The starting salary is far less than 70k
Its the same thing ...when we used to make time table before board examination.
First step to make more money.
1 step - Rob a Bank😁
One main issue we tend to overlook while making a monthly budget is factoring in large, once-a-year expenses. These include things like life and medical insurance payments, festivals, etc. It's something I have struggled with for a long time.
This Is The Type Of Content I Pay My Internet Bill For
I calculated mine
I am not doing any job but I get pocket money of 3000 in a month
and by calculating all expenses on traveling and junk food . I save around 500rs. from which I can only buy a book or Magic moment Vodka.
Mtlb indirectly meko ya to junk food km krna pdega ya to sasti daru leni pdegi.
Guess what, I'll ask for more pocket money.
Bro meeting you is in my bucket list and i want to just ask you to do premieres after atleast 12:30 becoz of the classes and other work subjects and if u are reading this i am the chirag id on Instagram 😅 happy 1M
Vro live stream ni hai baad mei dekh liyo
Wow what a sad pathetic life it must be if your bucket list comprises of meeting tanmay 😂😂😂
Okay. So this is the kind of content i subscribed for. 👏👏 Bravo Tanmay
Bruh, but he does have huge palms.
The tax charged is incorrect. If a person earns 70,000 p.m. then the tax bracket as per current Income tax rates will be 2.5 lacs to 5 lacs is 5% but you get tax rebate so up to 5 lacs you don’t pay any tax. 5 lacs to 7.5 lacs is 10% and 7.5 lacs to 10 lacs is 15%. So if a person earns 8.4 lacs and has no savings under sec 80C (1.5 lacs in ppf, pf, lic, nsc, etc) the tax to be paid will be
5,00,000 X 0% + 2,50,000 X 10% + 90,000 X 15% = 0 + 25,000 + 13,500 = 38,500 + 4% cess for health and education = 40,040
Hence he pays 40k on a salary of 8.4 lacs.
So the finance guys are wrong on that part. I hope it helps. It is just my view to give correct information and not hurt or harm anyone.
Also in my view the first step of making more money is investing before spending, earn it before you spend it.
Stop It With Those Extra Hand Gestures PALM FLASHING especially 🤣🤣🤣🤣🤣😂😂🤣🤣🤣🤣
What Google is showing is actually right. A average salary of IT person is 20-25k
Tanmay's main income source:
Kidnapping families and then letting them free for money.
🤣🤣🤣
What is the context of this meme?
@@RishuKumar-bt2ss just bakchodi
Money now is like good people ... difficult to find..... think before u spend.
and i am here planning how to save all the money even though i don't earn!
Thanks a lot Tanmay bhai, love your money and budgeting series. This is a revolution man. I have been working for 2 years and was not saving after looking at your videos I have 2 MFs now, and now have budgeted and Need/Wants in my google sheet. Love you Bhai.
You have not included the money he/she will pay to the kidnapper who has kidnapped his whole family
I am sorry for my bad English
Don't apologise for your English. Especially if it's not your first language. :)
Why apologize
@@waynedsouza6158 it's doesn't matter even if it is ur first language ur not giving grammer test everywhere , if ur audience understands ur context then u hve done enough
Cabs is more popular in Gurgaon. On an average people end up spending 300 to 400 on cabs as having your own vehicle in more expensive considering 500 itself is the parking charge a day.
"bai ka paisa kharcha karega, khud khana nhi banata"
NRI audience: Am I a joke to you?
dukhti rag pe hath rakh diya bhai!
bhaiya 5 lakh ke upar jo amount bani uspe dena hai 10 percent tax. 80c 80d se 2 lakh par no tax. 3:45
Should I watch Clueless if I'm preparing for Chartered Accountancy??
Tanmay, I think the the tax calculations for Madhur is not correct. 20% tax is only applicable for income above 5 lacs
So Tax should have been
2.5 Lacs to 5 Lacs - 5% => 12500
5 Lacs to 8.4 Lacs - 20% => 68000
Total Tax = 80500
Per month tax = ~6800
Total Income after tax = 70000 - 6800 = ~63000 (Without any investments, could be 3.5K more after investment)