If you wish to be part of the Money Matters series, please fill up this form: forms.gle/Tmbo2nUTnhn9vjpG7 Money Matters is a series where I have conversations with normal people such as you and I, on your personal finance issues. It is important to note that I am NOT a financial expert, I am NOT SEBI registered, and I am NOT qualified to give financial advice. Everything that I say in these videos is purely through my own experiences. So these videos do not offer any stock tips, or specific mutual fund recommendations or get-rich-quick schemes. I am not selling any product or service through these videos. None of the brands that I mention in these videos have paid me to mention them, unless I explicitly say so (and I will say if the video is sponsored). This also means that my advice may not always be the right advice. So incase I make a mistake, the best way to correct me will be to share your point of view in the comments, so that everyone can benefit from it. I am not perfect, nor claiming to be either and would love to learn and grow. The idea is simply to help people with their finance journey and through their story try to help others who may have a similar story. My Money Apps: Indian Stock Investing (Zerodha): bit.ly/3iYKROh Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): bit.ly/3iYKROh US Stock Investing + Investment Tracking (INDMoney): bit.ly/3tT5moR Portfolio Investing (Smallcase): bit.ly/3u0is0I Corporate Bonds (Wint Wealth): bit.ly/3sbUI8c How to pick the right insurance (Ditto): bit.ly/3xFh7OU The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions. My bestselling books: 'Make EPIC Money' here: amzn.to/3WHJ43F ‘Get EPIC Shit Done’: amzn.to/4fK1IR5 ‘Do Epic Shit’: amzn.to/4fK9uuv
My gear for shooting this video: 🎥 Sony a7III camera: bit.ly/3M42wAV 🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0 🎙 Shure SM7B Microphone: bit.ly/3O1NAVA 🔆 Fill Light 60W: bit.ly/37aJolP 💡 Key Light 150W: bit.ly/3O9nyjs 📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1 The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L.
Selling the house is good advice. Right now, it's occupied and generating 7K in rental income. If it were to go unoccupied, the EMI would consume almost 80% of her monthly income, which could lead to a debt trap.
Yes True one of my friend took loan and build a house. At some point of time they had medical issues and got struck. For few years they couldn’t pay the loan and borrowed somewhere. Now they need to sell the house 50 lak to 60 lakh and their debt also 50 lakh.
Sister, don't get nervous . Keep in mind , there is light behind the cloud . Ups and downs are the part of life. Patience is bitter but it's result is sweet.
Present situation ko dekhte hue sahi salah di hai apne ....aur krna bhi chahiye ....focus income of source pr bahut jaruri aisi problm me....sip strt krna bhi achcha bhale hi 500 rs se kare ❤
This episode is very emotional and highlights the importance of loved ones and family. Prayers are always with her, hoping she overcomes her financial challenges 👏
Why to move on rent so early. Stay with parents & when improve financially , then think of staying separately. For a time being follow low profile, means ,spend considering expenses & save as much as possible. Rest all advice is perfect.
It's an assumption keeping in mind that she wants to move out in future as she said earlier. He calculated Maximum expense that she can afford on her salary
Simple financial planning 1) Focus on career to make good money 2) Take health and life insurance to secure finance. 3) Start SIP for wealth creation 4) stay away from materialistic things
@@Smsexposed luxury items pe faltu spend na karna jayse kisika salary 25k ha wo 1lakh ka iphone le raha ha jiska koi reason nehi ha basic accha phone 25k pe mil jata ha
The whole time I was watching this video, I felt really sad. Don't have any words for what she must be going through. May the almighty give her strength.
It's really good suggestion. I do not know If she Convinced parents to sell that house. Normally parents will oppose such decisions due to emotional attachment with house. But in this situation selling that house is best decision to become financially stable.
Buddhiman vyakti jab kisi Ko sahi Salah deta hai aur uski mansha Nek hoti hai to dekh kar bahut achcha lagta hai, bahut badhiya Ankur ji apna Gyan bantane ke liye 👌
I love you are helping people ❣️ but Ankur please take a initiative that whatever money you earns in that kind of video from adsense you should give to the person which in the video...because they needed that the most...and it's very lovely help from you.... Your adsense money will really adds value to her life..and you will get dua from them. If you guys are agree thumps up👍
For your information Ankur doesn't earn a single penny through his RUclips channel because he has not monetized it. His channel is for awareness and educational purposes only. ❤
9:50 somewhat relatable with my situation... lost my father 3 months ago and struggling to decide what to do without any experience as a 18 year guy 😢😢
@rishumaann trying to do something extra than traditional education... But nowadays focused on entrance exam for getting a decent govt college... Then I will try my best for my interested field
@subhamdas5726 might be I know but don't know how to manage the savings my father had done... my mother can't do such things so all the pressure is on my head ... so just waiting for response from warikoo sir if any financial suggestion he will give to me
The profit from the sale of property is more than 7.5 lacs plus she has approx. 3 lacs salary income. So it will be taxed and it will be 12.5% without indexation according to new rules.
The way you do the conversation and give an appropriate advice is such a remarkable thing hat's off to your financial skills and really she is strong lady and God bless you sister.
Sonali, you're strength is an inspiration. No matter how hard things are, I have no doubt that you'll come out of it. Remember, you are setting an incredible example for your daughter and will be her greatest role model. My very best wishes for you. Thanks a ton Ankur ji for giving valuable guidance.
Man, you are a blessing to our generation. Learning from you helps to maintain a healthy lifestyle without buying random stupid stuff. And there seems to be a hope to be able to grow wealth over time.
Not sure if you were aware of her situation or you faced her with surprise, but groundedness with which you dealt with her shows good character Ankur, i am not really your audience and i wasnt even aware of this series but i love the way you dealt with her while still making her aware of all the sides. True gentleman from what i can make of it. Happy New Year to you and her.
Hello Ankur sir, You have give very good advice to sonali. She is in little financial problem, I have a suggestion like what if you can help Sonali from the income comes from this video from RUclips. This is my personal suggestion. Thank you!
25 lac ghar sell karne par milega.....iss full amount ko demat open karke 3 index etf mein laga dein jiss se minimum 12% return milega........ye security dega .......uske baad apni income 26000 mein se 10000 basic expense......8000 house rent........8000 se insurance..........1 hour agar daily chart dekha karein jo inke return ko 15-20% karega......aur paise ko 5 year mein double karega.........after 5-6 year 50 lac hoga aur skill develop ho chuki hogi .....its ur choice after 5 year .....25 lac profit se new ghar purchase karein .......baaki 25 lac se investment continue ....exercise karein aur fit rahein...Not a big problem in ur life...take care@
Ghar sell karne k liye documents lagenge. Aur documents lene k liye bank ko loan full repay karna padega. 25 lacs full nahi milenge invest karne k liye
Assuming her sticking to the present job with same contribution towards EPFO and thinking of retirement at the age 45, then the EPFO shall only give her around 30L approx. (non inflation adjusted) corpus at her retirement age.
Sir, I didn't like your suggestion. That home is an asset for her & in future it appreciates. I would've suggested her to increase her EMI tenure to 25 to 30yrs which will reduce her per month EMI to 12K or
She has already paid much of the interest of the loan, no need to move out of your parents house, it would be tough mentally as well. No need to sell, complete the loan with emi and whatever extra money you get as and when your salary grows. In some years, you will own the the house plus incresed rents.
It's called cutting losses short. 1 lakh they paid. 20 lakhs loan. They paid 10 lakhs till now. 18 lakhs left. That's a liability. If she gets back 26 lakhs with sale, and give back 18 remaining to the bank, that is 8 lakhs left. That's just 3 lakhs loss and she is out of her current headache. Those 3 lakhs are nothing once she starts making more money eventually. But that in hand 6-7 lakhs is life changing in terms of mental health, finance, and time.
@codedusting you should also account in the price increase the property may see, because buying assets will get tougher and expensive with time. There is no harm in staying with parents till then. Just keep upskilling and increase in salary should fix her issues.
@ArshdeepSingh-th9fb her parents have other plans. Independence is not negotiable. Moreover, what happens in the future is not something one must worry about in the present especially if it's destroying the present. Once the real estate industry becomes regulated in the Indian market, which may happen in the next few years, prices will collapse.
Don't sell the house, 45k inke pas abhi bank me hai, rent jo 7k aata hai use 1 year tak as it is bank me deposit rakhe to almost inke pass 1.30 lac emergency fund ho jaega,uske baad 5 k ki rent se sip start kare,1k for health insurance,rent 10% bhi badhega . Property is an asset . May be job switch karke higher salary mil jaye
Ma baap ne paida kiya h..unke ghar par rkho khudko n beti ko. 26k salary + 7k rent se aa rha...jo har saal 10% se badta h and emi to repo rate cut se thoda kam hi hogi, extra sb money loan utaarne mein rkhna..8-10 saal m ghar totally loan free and apna hoga, abhi bechne ki naubat nhi h. Aage ma baap rahein na rahein, tb independently apne ghar m rehna. Tab 8-10 saal baad poori salary insurance wgrh m lga lena, tb ma baap aur boodhe honge. Easy nhi aise akele abhi ek saal baad rent pr kisi aur ke ghar pr rehna.
Thank you very much sir for making such content..it is very very useful for us .apka ye sab series dek ke humlog ak right path choose kar sakte hu . mostly humlog jo hai underpaid private employee hai
Same problem is with me too 22000 salary and 27000 emi till 8 months after that I will have only 8000 emi so how do I manage these 8 months if anyone have something please help me
Ankur ji ❤. Namaste ji. I'm really feeling very fortunate to come across your channel. After seeing this video i think that you are the simplest and a very genuine person to talk to. Your advice was also perfect for this lady. I pray to God to bless you abundantly and give you strength to keep up the good work. I'll be filling up the form sometime soon. Thank you sir. Really Great listening to you.
Your videos have been truly impressive! As one of your regular viewers, I've been following your content closely for a while now. I'm very interested in making an investment, but I’m still having trouble identifying the right opportunity to fully commit to. I would greatly appreciate any guidance or suggestions you might have in this area.
As a beginner investor, having a mentor to hold you accountable is crucial. Personally, I’m guided by Gregory Leo Cattel, a well-known stock consultant. While I can't share much about him, I recommend searching his name online to find the details you need to schedule an appointment.
I started working with Coach Gregory Leo Cattel back in August, and my financial goals have never been clearer. It’s like having a strategic partner for my money with a solid track record.
Gregory Leo Cattel success can be attributed to his unwavering dedication to setting realistic goals, expertly navigating clients through complex financial landscapes while avoiding the pitfalls of unrealistic expectations.>
You have given very good advice. Don't worry about how all this will happen. But keep updating from time to time how things are going. Everyone is eager to know. You have given very good advice. 😊
Everyvideo warikoo is advicing health insurance and life insurance😂😂 Majority of health insurance companies are doing fraud in india, specialy star, heslth, reject claim after 4 year also Read yesterday news,
Dear Sir, I come across your video first time and I m very much impressed to see your thoughts and guidance towards this situation.The way you explained and guided is 100% true solution.This indicates that you are a genuine financial planner.Happy to see more vidios and will get in touch with you soon. Dr.Sanket
If you wish to be part of the Money Matters series, please fill up this form: forms.gle/Tmbo2nUTnhn9vjpG7
Money Matters is a series where I have conversations with normal people such as you and I, on your personal finance issues.
It is important to note that I am NOT a financial expert, I am NOT SEBI registered, and I am NOT qualified to give financial advice.
Everything that I say in these videos is purely through my own experiences.
So these videos do not offer any stock tips, or specific mutual fund recommendations or get-rich-quick schemes.
I am not selling any product or service through these videos.
None of the brands that I mention in these videos have paid me to mention them, unless I explicitly say so (and I will say if the video is sponsored).
This also means that my advice may not always be the right advice. So incase I make a mistake, the best way to correct me will be to share your point of view in the comments, so that everyone can benefit from it.
I am not perfect, nor claiming to be either and would love to learn and grow.
The idea is simply to help people with their finance journey and through their story try to help others who may have a similar story.
My Money Apps:
Indian Stock Investing (Zerodha): bit.ly/3iYKROh
Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): bit.ly/3iYKROh
US Stock Investing + Investment Tracking (INDMoney): bit.ly/3tT5moR
Portfolio Investing (Smallcase): bit.ly/3u0is0I
Corporate Bonds (Wint Wealth): bit.ly/3sbUI8c
How to pick the right insurance (Ditto): bit.ly/3xFh7OU
The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions.
My bestselling books:
'Make EPIC Money' here: amzn.to/3WHJ43F
‘Get EPIC Shit Done’: amzn.to/4fK1IR5
‘Do Epic Shit’: amzn.to/4fK9uuv
My gear for shooting this video:
🎥 Sony a7III camera: bit.ly/3M42wAV
🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0
🎙 Shure SM7B Microphone: bit.ly/3O1NAVA
🔆 Fill Light 60W: bit.ly/37aJolP
💡 Key Light 150W: bit.ly/3O9nyjs
📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1
The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L.
Sir main financial advice chahta hu. Pr main video me nahi aana chahta.
मुझसे भी सम्पर्क करलो भैया 😢😢😢
Hello sir kya alag alag investing app se ek phone mein invest krna chaho toh kar sakte hai kya?
Mere iss comment per vedio jrur banega please
Pls can't hunt me David goggins book
Such a strong lady. God bless her with all the strength and courage to grow and excel
I have the same situation with my family i can understand her.May god bless her😊
Unemployment CA😂😂😂😂😂
I have also same situation
Good bless Her
Selling the house is good advice. Right now, it's occupied and generating 7K in rental income. If it were to go unoccupied, the EMI would consume almost 80% of her monthly income, which could lead to a debt trap.
😔
Yes True one of my friend took loan and build a house. At some point of time they had medical issues and got struck. For few years they couldn’t pay the loan and borrowed somewhere. Now they need to sell the house 50 lak to 60 lakh and their debt also 50 lakh.
Sister, don't get nervous . Keep in mind , there is light behind the cloud . Ups and downs are the part of life. Patience is bitter but it's result is sweet.
Present situation ko dekhte hue sahi salah di hai apne ....aur krna bhi chahiye ....focus income of source pr bahut jaruri aisi problm me....sip strt krna bhi achcha bhale hi 500 rs se kare ❤
Sip kya hota hai
?
@@AshishKumar-pq4np mutual fund me monthly thoda thoda invest krne ko SIP bolte hai
She is such a fighter...Moms r the best 🫡
This episode is very emotional and highlights the importance of loved ones and family. Prayers are always with her, hoping she overcomes her financial challenges 👏
Yes sir pray this family for a happy life
Money Matters is really unique.There is no any vedio like this in any you tube channel.Thanks for your help to others in such a way.
बहुत ही बढ़िया सलाह दिए आपने। सोनाली जी और आप के परिवार को ईश्वर स्वस्थ और समृद्ध दे।
Warikoo sir respect button ✅
This is the reality of us, the reality of Middle class. We all r leading a tough life. It's not easy at all to be a Middle class. Hard reality... 🙏🙏
Very nice Ankur...the way you are talking to people it is absolutely commendable...you are getting more closer to the people mind...love you Ankur :)
Why to move on rent so early. Stay with parents & when improve financially , then think of staying separately. For a time being follow low profile, means ,spend considering expenses & save as much as possible. Rest all advice is perfect.
It's an assumption keeping in mind that she wants to move out in future as she said earlier. He calculated Maximum expense that she can afford on her salary
Loan ka pressure apko nhi pta sir. Admi depression mai chla jata h
Very true and sincere advice Warikoo Sir.. With the clarity of thoughts you have shows what a great real person you are ... Stay Always Blessed 🙏
Simple financial planning
1) Focus on career to make good money
2) Take health and life insurance to secure finance.
3) Start SIP for wealth creation
4) stay away from materialistic things
Last point ❤
last point >>>>
last point meaning please tell 😢
@@Smsexposed luxury items pe faltu spend na karna jayse kisika salary 25k ha wo 1lakh ka iphone le raha ha jiska koi reason nehi ha basic accha phone 25k pe mil jata ha
@@aniketpratihar491 ok bro thankyou ❤️🩹
The whole time I was watching this video, I felt really sad. Don't have any words for what she must be going through. May the almighty give her strength.
Wao sir finance ko reality se clear karne ke liye sukriya ❤️🙏🏻
Great advise । taking loan is now become a habbit for most of the people।Don't fall into emi trap no matter how much you earn ।
I agree 👍🏻
It's really good suggestion.
I do not know If she Convinced parents to sell that house. Normally parents will oppose such decisions due to emotional attachment with house. But in this situation selling that house is best decision to become financially stable.
Such a strong women god give you strength and i wish one day every thing will be fine stay strong
Buddhiman vyakti jab kisi Ko sahi Salah deta hai aur uski mansha Nek hoti hai to dekh kar bahut achcha lagta hai, bahut badhiya Ankur ji apna Gyan bantane ke liye 👌
Ekdam sahi, jiska kho jaate hai oosko pata chalta hai....
Pranam hai aap ko...dear sister the way you are living life in such a situation
I love you are helping people ❣️
but Ankur please take a initiative that whatever money you earns in that kind of video from adsense you should give to the person which in the video...because they needed that the most...and it's very lovely help from you....
Your adsense money will really adds value to her life..and you will get dua from them.
If you guys are agree thumps up👍
For your information Ankur doesn't earn a single penny through his RUclips channel because he has not monetized it.
His channel is for awareness and educational purposes only. ❤
@tarunnaharia yes I forgot that... but it's a very good way for help someone who in need. We love ankur whatever he doing.
Dont be stupid
I was also thinking the same while watching this video ❤
@@tarunnaharia - Thats great Ankur. Hats off!
9:50 somewhat relatable with my situation... lost my father 3 months ago and struggling to decide what to do without any experience as a 18 year guy 😢😢
learn skill as fast as u can it will help u to get any part time job like tally,designing
@rishumaann trying to do something extra than traditional education... But nowadays focused on entrance exam for getting a decent govt college... Then I will try my best for my interested field
You know what to do...just believe in yourself. May God bless you
@subhamdas5726 might be I know but don't know how to manage the savings my father had done... my mother can't do such things so all the pressure is on my head ... so just waiting for response from warikoo sir if any financial suggestion he will give to me
@@SayanDeb2303 r U prep for neet???
CA here, tax will not be payable due to her total income being lower than 7.5 lacs. LTCG will get covered in slabs
The profit from the sale of property is more than 7.5 lacs plus she has approx. 3 lacs salary income. So it will be taxed and it will be 12.5% without indexation according to new rules.
@@PAClassics96 abe oo black bhul rahe ho kya ... she can have 5-6L in black and be fine . CAs please be practical
@@samkr2221We are only talking about legal ways here. If you include black then she doesn't even need to pay any tax. There are many ways for that.
Yes
@@samkr2221bhai kaise bacha ja sakta h tax se black meh , can u explain
Sir I can't express how much I respect you....❤❤🙏
Be strong... sister everything will be ok...
The way you do the conversation and give an appropriate advice is such a remarkable thing hat's off to your financial skills and really she is strong lady and God bless you sister.
such sessions are need of time for youth, for there financial awareness !! Great session !! Brain storming !! Thank you sir
Sonali,
you're strength is an inspiration. No matter how hard things are, I have no doubt that you'll come out of it. Remember, you are setting an incredible example for your daughter and will be her greatest role model. My very best wishes for you.
Thanks a ton Ankur ji for giving valuable guidance.
Good videos mainly for women about financial planning. All the best💐
Man, you are a blessing to our generation. Learning from you helps to maintain a healthy lifestyle without buying random stupid stuff. And there seems to be a hope to be able to grow wealth over time.
May alllah give strength to Sister...
Ameen
🤣🤣🤣🤣 usko fattna nahi hai kahin bhai🤣🤣 hum insano ko insan hi rehne de 🙏🏻🙏🏻 Ram Ram ji converted Hindu 22ji 🙏🏻🙏🏻
Halla pappet khud ka hi strength nahi hai. Khud chor hai
@@piyushsharma4068apne apne language aur caste mai ussne usse blessing di tu bhi dede kuch apne way mai par hindu muslim q lara h?
As a hindu i apologise for the comments of some gobarbhakts here. We real hindus, don’t claim these fake hindus
When her husband took the loan, banks mostly sign a house loan insurance, in case of death the property loan will no longer need to paid.
Home loan wife k naam hoga
Bhai wo sirf kuch sal ke liye hota h
Uske name pr nhi tab..wife ke name pr h
Right
How the person received 20 lakh loan when his earning is 26k.
It's very important to have term insurance. You must have it before getting any liabilities.
Aapki baat karne ka or slah dene ka tarika bhut hi gjab ka hai aapko dil se seluit hai sir
One of the best & genuine person on RUclips
Hats off u
This type of one on one suggestion I have seen first time on internet good initiative by sir
Another suggestion. Instead of selling house, you can put one room on PG or something it will give you some income
Great initiative by the channel owner, this is what India needs, financial literacy ❤❤
Hats off sir
Ankur's voice is so calming❤❤
आँखों के सामने सिर्फ जब अंधकार होता हैं...कोई उम्मीद नहीं बचती...तब ईश्वर आप जैसे लोग भेज देते हैं...धन्यवाद ❤❤❤❤
You are right & your explanation is very good !
Very concise discussion!!
Kudos sir 🙏
iss tarah ka financial knowledge humare education systems me hona chahiye❤
Very very thanku and namaskar for yours money maters andrapradesh kumar
Such a strong lady ❤❤
Great MashAllah Present situation ko dekhte hue sahi salah di hai apne . God Bless you
Such a strong lady, I mean I wish God gives her strength.
Not sure if you were aware of her situation or you faced her with surprise, but groundedness with which you dealt with her shows good character Ankur, i am not really your audience and i wasnt even aware of this series but i love the way you dealt with her while still making her aware of all the sides. True gentleman from what i can make of it. Happy New Year to you and her.
Excellent financial suggestion sir🙏🙏
Wonderful solution for this condition... 👍👍👍👍
Selling the house repaying loan is good I did it
Hello Ankur sir,
You have give very good advice to sonali. She is in little financial problem, I have a suggestion like what if you can help Sonali from the income comes from this video from RUclips.
This is my personal suggestion.
Thank you!
Common 😂😂
Apne bahut acha suggest Kiya hai
Kyuki private job kuch nahi pata kab chali jaye...
Isliye bahut jruri hai pehle debt ko khtam kiya jaye
25 lac ghar sell karne par milega.....iss full amount ko demat open karke 3 index etf mein laga dein jiss se minimum 12% return milega........ye security dega .......uske baad apni income 26000 mein se 10000 basic expense......8000 house rent........8000 se insurance..........1 hour agar daily chart dekha karein jo inke return ko 15-20% karega......aur paise ko 5 year mein double karega.........after 5-6 year 50 lac hoga aur skill develop ho chuki hogi .....its ur choice after 5 year .....25 lac profit se new ghar purchase karein .......baaki 25 lac se investment continue ....exercise karein aur fit rahein...Not a big problem in ur life...take care@
Ankush great advice bhai it seems ur a investor i am also planning to learn abt share from 0 any reference bhai
Ghar sell karne k liye documents lagenge. Aur documents lene k liye bank ko loan full repay karna padega. 25 lacs full nahi milenge invest karne k liye
❤❤❤❤sir aap bahut accha kaam kar rahe hai.....
not satisfied with this advice after 15 years those 4lakh is 22 lakh but after 15 years inflation will be too high that 22 lakh is very less
May be her salary will get increased so she may invest more... She wont be working on same salary for next 20 years
One on one this discussion is very effective for better understanding, thank you sir
A very good opinion by warikoo sir at 12:00. It was very helpful session❤❤❤
Assuming her sticking to the present job with same contribution towards EPFO and thinking of retirement at the age 45, then the EPFO shall only give her around 30L approx. (non inflation adjusted) corpus at her retirement age.
At her age of 45 how you think 30L is sufficient, considering inflation
Really very good planning & Mind blowing
Sir you are great man with huminity
Sir, I didn't like your suggestion. That home is an asset for her & in future it appreciates.
I would've suggested her to increase her EMI tenure to 25 to 30yrs which will reduce her per month EMI to 12K or
YE BANDA APNA CUT MAARNE K CHAKKAR ME HAI
She will come back strongly..God bless
Why she left husband, she deserves
भगवान आप पर अपना आशीर्वाद बनाये रखे बहन 🙏🙏🙏
She has already paid much of the interest of the loan, no need to move out of your parents house, it would be tough mentally as well.
No need to sell, complete the loan with emi and whatever extra money you get as and when your salary grows. In some years, you will own the the house plus incresed rents.
It's called cutting losses short. 1 lakh they paid. 20 lakhs loan. They paid 10 lakhs till now. 18 lakhs left.
That's a liability. If she gets back 26 lakhs with sale, and give back 18 remaining to the bank, that is 8 lakhs left. That's just 3 lakhs loss and she is out of her current headache.
Those 3 lakhs are nothing once she starts making more money eventually.
But that in hand 6-7 lakhs is life changing in terms of mental health, finance, and time.
@codedusting you should also account in the price increase the property may see, because buying assets will get tougher and expensive with time. There is no harm in staying with parents till then.
Just keep upskilling and increase in salary should fix her issues.
@ArshdeepSingh-th9fb her parents have other plans. Independence is not negotiable. Moreover, what happens in the future is not something one must worry about in the present especially if it's destroying the present. Once the real estate industry becomes regulated in the Indian market, which may happen in the next few years, prices will collapse.
Don't sell the house, 45k inke pas abhi bank me hai, rent jo 7k aata hai use 1 year tak as it is bank me deposit rakhe to almost inke pass 1.30 lac emergency fund ho jaega,uske baad 5 k ki rent se sip start kare,1k for health insurance,rent 10% bhi badhega . Property is an asset . May be job switch karke higher salary mil jaye
Sahi kaha,,,
Job gyi then ???
@@divyanshraiiiska to kuch nahi keh sakte , agar or achi job lagi tab?
@@4380sandeep jab she can invest in house and all other assets but at this stage carrying a burden of emi. That to 70%+ of income .
Tension free ho jayegi.
Abhi mummi papa ke sath hi raho.. Afterall before marriage that house was everything for her..
Very good advice. Sir you saved this family for your good advice. well done sir❤
10000 me chal rahe hain hum 😅
Sir koi itna deep knowledge dene wale bhaut kam hi hai✅
Ma baap ne paida kiya h..unke ghar par rkho khudko n beti ko.
26k salary + 7k rent se aa rha...jo har saal 10% se badta h and emi to repo rate cut se thoda kam hi hogi, extra sb money loan utaarne mein rkhna..8-10 saal m ghar totally loan free and apna hoga, abhi bechne ki naubat nhi h. Aage ma baap rahein na rahein, tb independently apne ghar m rehna.
Tab 8-10 saal baad poori salary insurance wgrh m lga lena, tb ma baap aur boodhe honge. Easy nhi aise akele abhi ek saal baad rent pr kisi aur ke ghar pr rehna.
@@ankitpuri15 ✅️
@@ankitpuri15 exactly, the home is an asset just like stocks. It will be debt free in some years. The rent and price would be in multiples from now.
House is a liability 18:00
U are rgt but after bhai marriage its not easy bahut difficult ho jaata hai…be practical as pass dekho apne
Its nt easy…trust me…
Bhai maa baap ke sath rehena ek alag kalesh hota hai
Strong lady..God bless you always 🙏
MBA kerke 26k ki job....kya chal raha he India me ????😢😢😢
or uper se yai lady 2019 se job kr rhi hai or ab tak bas 26,000 salary or vo bhi MBA krke kya majak chal rha hai bhai?? sab gol matol hai 😂😂😂
Experience ke baad salary badh jati hai
railway group D ki bharti mai Btec, MBA vale hee bharte hai jo vacany 10th base pe hai yahi haal.hai india ka
Mere pass chota hati gadi hai maon30000 40000 hajar kamata hu
Mai 15,000 ki job kar raha hu bhai MBA ke baad reality bahot kharab hai bhai career gap nahi lena chahiye bhai
Main Aapka pura video dekha bina kisi skip ke,
Bahut Hi Achha lga Aapka idea .
Thanku Sir Salute....❤
ghar sell me 26L mila he na ?? 7-8L kayse houa?
loan bhi pay karna hai na
Thank you very much sir for making such content..it is very very useful for us .apka ye sab series dek ke humlog ak right path choose kar sakte hu . mostly humlog jo hai underpaid private employee hai
Sam 0:56 my condition with emi.... How I mange my slry in 22000 ...
Same problem is with me too 22000 salary and 27000 emi till 8 months after that I will have only 8000 emi so how do I manage these 8 months if anyone have something please help me
Bhai part time m rapido/ola/uber chalao ...todha struggle rahega but kafhi haad tak expenses manage ho jayenge..
Pay your EMI with 3 credit card
Ankur ji ❤. Namaste ji. I'm really feeling very fortunate to come across your channel. After seeing this video i think that you are the simplest and a very genuine person to talk to. Your advice was also perfect for this lady. I pray to God to bless you abundantly and give you strength to keep up the good work. I'll be filling up the form sometime soon. Thank you sir. Really Great listening to you.
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I just Googled his name and his website came up right away. It looks interesting so far. I sent him an email and i hope he responds soon.
Ankur has seriously helped her like a friend... Prayers to you mam may God gives you strength to keep moving forward
Me 17 Years ka hu Or Me Stoke Market Me Monthly 12 To 15k Sip or ETF Me Investment karta hu Mera Target 10L To 15L He ❤❤❤
Paisa kaha se aata hai buddy
@@meetmehta4199kamata hoga
Same question as the above one
@@kartikbagdi9548 from his father dude
Itni fuudu baat 17saal ka ladka hi kr skta hai😂
Gazab ka podcast tha...
I think she is working as fix pay employees in Gujarat Government. 😮😢😢
God bless this strong lady.
saadi kar le tension khatam agla dekega 😂😂😂
Bro ladki ki shadi kam se kam 20 lakh lagenge bhai
Divorce women or ek beti ki maa ki itni jaldi shadi nhi hoti bhai
I like this concept..plz continue...people forget in daily work... How much important to have knowledge about financial independence...good one
What about her saas sasur?
You have given very good advice. Don't worry about how all this will happen. But keep updating from time to time how things are going. Everyone is eager to know. You have given very good advice. 😊
Everyvideo warikoo is advicing health insurance and life insurance😂😂
Majority of health insurance companies are doing fraud in india, specialy star, heslth, reject claim after 4 year also
Read yesterday news,
Thank you sir🙏... Because I'm learning a lot from your videos which I'll have to fallow up.
Shadi kr leni chahyei abhi bhi umar haj inki
Bro bacchi k baare m socho
Pyar nam ki bhi koi cheez hoti hai
Sir se ye request h poori views public ki , sir is video se apko jo bhi profit ho plz help to her. Like and subscribe done from my side
App ka sikanea ka style or somojder bananea ka style
Excellent 👌
Dear Sir, I come across your video first time and I m very much impressed to see your thoughts and guidance towards this situation.The way you explained and guided is 100% true solution.This indicates that you are a genuine financial planner.Happy to see more vidios and will get in touch with you soon.
Dr.Sanket
Strong lady god bless 🙏
Ankur ji aapki kosish bahut achchi hai atleast koi apna dukh to share kar paa raha hai
I had watched few of your videos earlier but today I became your fan cause the way your explained it.
I Love You Dear Warikooooooo ❤ you literally helped alot
Such and amazing human being