Get Jobsurance's Income Protection Plan Today - tinyurl.com/y5uhmdvt Use my code AA56B553 and get upto Rs. 500 amazon voucher after purchasing the plan!
Bhai insurance toh main le lunga par is start up ke band hone ki bhi utni hi probability hai jitni meri Job Jane ki. Is start up ka khud insurance hai???
@@nakulm964 very good question. In case they shut down, nothing will change. The salary cover is backed by iffco-tokio. They will pay the cover irrespective of jobsurance's existence.
Good finance advise to a dumbo 😅 ... who doesn't lives in a home and spended so much on home without having a family expenditure is 40k wow man gazab 😂
How many and which kind of companies covered by jobsurance? My company is not there in jobsurance database . I mean MNC's only or all kind of companies like service based, MNC etc
I think this is one of the best episodes of your series. The first step to solve a problem is to recognise that there is one. Lokesh has identified his problem and I'm sure he'll be able to solve it. All the best to him.
Example of rock solid aspiration!! Question 1 - What is your biggest aspiration. Ans- 3Bhk villa Question 3- What would you choose between luxury Home (i.e. 3bhk Villa) or a luxury vacation Answer- LUXURY VACATION 30 sec me hi Biggest aspiration changed 😢😮
This is the kind of video which a lot of people can relate to, classic mistakes of lending to friends/family and getting excessive debt. Kudos to lokesh for being brave enough to share his situation on a public forum. Edit. One of the reasons why a lot of people including me may relate to this video is the income bracket of the individual being interviewed.
Thank you so much, Anshuman, for coming over and sharing your valuable financial advice! I've been diligently following your guidance, and I'm committed to improving my finances in the days ahead. Your insights have been incredibly helpful!
Lokesh I am glad that I was able to help you. Best of luck for everything in the future and I will do one video with you again next year. Lots of love ❤
Personally I’ll advise you to stop investing and finish your loans first. You won’t make more than 9-11% on your investments but your loan interest rates are higher than that. Clear all your debt first and then start a SIP of a bigger amount.
Job surance is a scam. I bought it and 3 months later my job was cut. I submitted the termination letter also they rejected it and they never gave any placement support.
I had the same problem with impulsive buying....I was in deep debt....Then someone came into my life to solve all my financial problems.....not a girlfriend...but a true friend...who helped me solve my impulsive buying problem....I still have a loan ...but The EMI is below 5 Percentage of my in hand salary....I can relate to this video.....These kinds of episodes should be done regularly....
Bro I feel some people have money but no friends but atleast you are lucky to have friends with whom you can enjoy and party. Just cut some expenses on luxury/ branded items. Impulsive spending only gives anxiety and we get ourselves trapped. People can still stay satisfied without owning so many luxury items, trust me.
Good one Anshuman and Lokesh!! It's not always to learn from successful people!!! at some point they will also be on a low mode with many wrong decisions so all the best Lokesh and i wish your dreams come trure !😊
Lokesh, buddy. I feel your pain. Life has ups and downs and the world can sometimes bring you down. But I commend you on the positive steps you've begun taking towards getting your finances in control. Stay strong and keep up the good work!
Liked this video, more realistic for majority of the folks rather than auditing people with 50-80 L annual income which is like top 1%. Anyone reading this comment, i would suggest Caleb Hammer's Channel which is like this but much better.
1. Go buy a health insurance for urself n ur pairents 2. Take a term insurance 3. Emergency fund= 6*monthly expenses (including all ur sip) 4. 60% of your savings funds in Hedgh funds 5. 10% in SGB 6. 10%-20% in us stock 7. 10% in REIT or commercial property Your finance in mostly shorted *Debt is good when you purchase assets with it not liability
Whenever i feel demotivated in life about my achievements and biggest mistakes I did, I am gonna come here and watch this video to make me feel much better.
bro i also messed up from rich dad poor dad i taken lons and invested in options all went 0 i did earlier which my parents settled now again did same thing now big tsk infront is 11000 credit card and 4000 24 months emi and 35000 at 36 percent 12 months and 14k at 29 percent 12 months and 5500 at 4 one month i littrelly earn 0 mental tension i dont know how to clear all of them all emi start next month i dont know why youtube recommended this video @@MrGodman1981
This guy is lucky to not have any responsibilities to look after parents as it seems they are not dependent on him financially which is giving him luxury of spending his entire salary on himself.
Not gonna lie Anshuman, but I feel so good that you are fixing the finances for these people mate. Like its so excruciating to listen how misued thier money is. And I really also feel good that they are signing up for these episodes and you are consulting them so that they can live a better life man. Huge shout out to people who have the courage to come on cam and accept that they took some decisions which were not the best. They definitely made some mistake, as every human is bound to, but they also saw and opportunity & took it to correct it, as every human should. Not just great content but also great impact man. LOVE IT!!!!!!
I always say this to the people I know that, never ever take a loan for anything apart from education and health. Debt is more injurious to health than smoking , it not only destroys you but your whole family.Time, energy, relationship everything will be lost while paying it back.
19:59 Hearing 36% for the first time in India? In tier 2, tier 3 towns in India, such loans are very common. In fact, while growing up, my dad used to take loan for 60% per annum rate of interest for our studies.
Best Example of Amdani Athanni (0.5 paisa income) kharcha Rupaiya(1Rs Expenses). Brother I would suggest you stop using credit card for atleast 6-8 months and avoid any impulsive buying and get rid of all your loans.
I read somewhere that if you want anything expensive (phone, watch,etc) always remember to buy the things you can afford to buy twice. For example, buy a phone of 10k when you have 20k budget for a phone. This helps you with your impulse buying and gives room for maintenance and other unforeseen circumstances with that product.
My brothers is also same situation..both are married n one of them has 2 chidren also .niether they have emergency fund nor any term insurances..n worried about them
Classic case of new gen's financial mismanagment. Thanks to Anshuman for bringing out such cases. And, kudos to Lokesh for being the case study. It takes a lot of guts to be the (wrong) example and grow from there. All the best Lokesh. Saati Telugu vaadigaa nuvvu ee ibbandi nunchi twaragaa bayata padi vruddhi loki raavaali ani korukuntunnaanu.
80k on perfume, 90k on phone, 36%interest loans, cradit card, buying jewellery thinking its an investment 😒 STOP!!!!!!.......... he was saying he changed as his friends are financially stable because they are purchasing house and cars!!! Buying a car is not an investment it's a liability for showoff. It's tough to change him, he will live paycheck to paycheck all his life...... I better keep my mouth shut 🤐
🚨🚨 Hiring Alert 🚨🚨 Looking for a dedicated, proactive and detail-oriented Operations Specialist to become a pivotal part of the fix your finance dynamic team! Check out the link to know more- www.linkedin.com/jobs/view/3721199401/
Hello Lokesh, all d best for your debt free future & your aspirations. I liked your honesty & appreciate the way to you took all the questions without any pinch. I learnt a lot !
Hi Anshuman, I have a question. I am a salaried person in an MNC. I don't have any family, not married either. What are my options to use as beneficiary in EPF and NPS and other such schemes?
More than 60% jump in a single year without changing job from 6.5L to 10.5L- that's great even if we consider 2 appraisal. That's big, which startup is this
I started working when i was 20 years in 2007 and i had the same thoughts of buying luxury and showing off by buying new phones every year and doing things for friends! Its been 7 years I haven’t bot phone i still has iPhone 7 in 7 years i took land and i still have savings of 5 lakhs need to buy a car for my family 😬 Ill save n buy post that more lands
I have emergency fund of 10lacs in savings,. 25lacs in fd, 6lacs in MF, 22lacs in PF.3 lacs in nps. 1 lac in post office. 5lacs in sip...3bhk house worth 1cr and yes no loans
When I feel bored or want to buy something I see the product but I don't buy it same money I invest in shares .A new thing I have started I used to order from Zomato and swiggy like every day once or twice .now each day I don't order from apps I put that same money around 500 to 700 in small cap shares and I am nearing the habit of not ordering impulsive on food apps as I realised even if I was not hungry I used to order and now it's over 20 days I have not placed a single order on food apps ..I am sharing just to help others everything is possible if u have the will don't wait for situation to go out of hand and than start planning.Lets upgrade our lives from last year and move ahead stay invested and live a happy life.
I am also partially in the same situation, Lack of financial disciple, wished If I can pay all the debts at one go, start all the principles endured in this video
This was the best episode of this series. Rags to riches types. Recent episodes mein jo participants ate hai wo lgta hai Finance ki books, sare finfluencers ke videos, dekh ke baithe hai… it doesnt give the kick as an audience to be honest… e.g. the last episode of that 24 year old kid with rich father… the most boring episode
sir if you miss credit card payment by due dates, they charge 100% yearly interest (it includes gst, fees, etc) e.g. for a loan of 80K minimum amount will be 8K almost, a 10% montly interest for the principal amount.
There's nothing wrong with him at all.... Only problem is he has started investing at a little late. Other than that he is buying gold, car; spending money on some small hobby is absolutely fine ; and lastly stop using bnpl & credit card (they are trap if u are not self disciplined) ..... Other than these he's absolutely doing great, in an emergency u can often take wrong decision, nothing to be ashamed here, just try not to replicate it again.
Don't say kuch bhi acha laga toh like... It feels like there is nothing to like whereas you make informative videos based on real-life knowledge. Hope you will take this suggestion forward.
Thank you for the video and kudos to coming and sharing your story. In my case of backup emergency fund beyond my cash, what I have done is I keep a current account with 2.5x of salary with LAMF (Loan against Mutual fund) at 9.5% p.a. which amount I can take out and pay back anytime and the amount difference will charged at a perday basis at 9.5 p.a.
This generation is so messed up (me included). We are making spending thousands on parties, lakhs in phones, TVs, bikes, cars etc (things which are available in indian markets for so low). We are not saving not investing. We are all living in rents. Damn. This all excludes our parents' expenses.
Anshuman you are doing great work to find more answers which help everyone to realize and understand their financial situation. You got refined questions learned from your experience. Keep doing the good work. Please share with us your financial habits and personal habits helping you grow.
Even if you want to close that Loan app debts, the interest is already calculated in the installments and you will be able to clear all the installments at a time which means you are anyhow paying interest. So to close them taking a loan is not correct i guess.
I am living on 17k per month ,why u r showing rich above rich persons .In India 80% employees are still earning 12k to 25 k,why u r not thinking about that.
For taking loans Cred is best, i have took loan of around 7lac for 14% for emergency... where paytm, airtel money and other popular loan apps were charging anywhere from 25% to 40%
Get Jobsurance's Income Protection Plan Today - tinyurl.com/y5uhmdvt
Use my code AA56B553 and get upto Rs. 500 amazon voucher after purchasing the plan!
When I open the Jobsurance link Avast tells me its a phishing site 😂😂
Bhai insurance toh main le lunga par is start up ke band hone ki bhi utni hi probability hai jitni meri Job Jane ki.
Is start up ka khud insurance hai???
@@nakulm964 very good question. In case they shut down, nothing will change.
The salary cover is backed by iffco-tokio. They will pay the cover irrespective of jobsurance's existence.
Good finance advise to a dumbo 😅 ... who doesn't lives in a home and spended so much on home without having a family expenditure is 40k wow man gazab 😂
How many and which kind of companies covered by jobsurance?
My company is not there in jobsurance database . I mean MNC's only or all kind of companies like service based, MNC etc
I think this is one of the best episodes of your series. The first step to solve a problem is to recognise that there is one. Lokesh has identified his problem and I'm sure he'll be able to solve it. All the best to him.
Example of rock solid aspiration!!
Question 1 - What is your biggest aspiration.
Ans- 3Bhk villa
Question 3- What would you choose between luxury Home (i.e.
3bhk Villa) or a luxury vacation
Answer- LUXURY VACATION
30 sec me hi Biggest aspiration changed 😢😮
Literally I was about to type the same . It is common sense to choose a luxury house instead of luxury vacation
Mindset makes you financially stable not money
One should have a certain amt of money before that
This is the kind of video which a lot of people can relate to, classic mistakes of lending to friends/family and getting excessive debt. Kudos to lokesh for being brave enough to share his situation on a public forum.
Edit.
One of the reasons why a lot of people including me may relate to this video is the income bracket of the individual being interviewed.
Yes most of the people watching anshuman are younger people with starting careers. So very relatable
Thank you so much, Anshuman, for coming over and sharing your valuable financial advice! I've been diligently following your guidance, and I'm committed to improving my finances in the days ahead. Your insights have been incredibly helpful!
Lokesh I am glad that I was able to help you. Best of luck for everything in the future and I will do one video with you again next year. Lots of love ❤
Personally I’ll advise you to stop investing and finish your loans first. You won’t make more than 9-11% on your investments but your loan interest rates are higher than that. Clear all your debt first and then start a SIP of a bigger amount.
@@dhruvdaniU r right bro...I also doing the same mistake.
@@dhruvdaniI totally agree! That's a very logical finance decision
@@dhruvdani 100% AGREED
Job surance is a scam. I bought it and 3 months later my job was cut. I submitted the termination letter also they rejected it and they never gave any placement support.
It takes courage to accept your mistakes and then take steps to make changes. This is the best episode so far. I could relate to lokesh's story.
At 35k anything you spend apart food and shelter is a mistake
“I watch TV while working from Home”. That explains everything about his current situation.
Yeah man, I wonder how his company will react
Kya dikkat hai? Woh yeh toh nhi bola ki kaam dhandha chhod ke movie hi dekhta hai.
Too much judgement😢
So what yaar
Probably the most genuine guy across all your podcasts.
I'm currently 21, these videos actually help me to learn from other people's mistakes.
I am 19😊😊
Never take a loan
@@AllintwoVideoscould you be more specific? Which type of Loan?
@@crosswalker45 any type
💯💯
Kudos to Lokesh for sharing his income , mistakes & other points without hesitation 👌🏻👌🏻
This will help others to relate
Lokesh is really honest :) god bless you brother
I had the same problem with impulsive buying....I was in deep debt....Then someone came into my life to solve all my financial problems.....not a girlfriend...but a true friend...who helped me solve my impulsive buying problem....I still have a loan ...but The EMI is below 5 Percentage of my in hand salary....I can relate to this video.....These kinds of episodes should be done regularly....
Inspiring stuff!
This guy's story can be summarized as - g@@nd fate toh fate par nawabi na ghate
Hope he can truly fix his finance
😂😂😂😂😂
Bro I feel some people have money but no friends but atleast you are lucky to have friends with whom you can enjoy and party. Just cut some expenses on luxury/ branded items. Impulsive spending only gives anxiety and we get ourselves trapped. People can still stay satisfied without owning so many luxury items, trust me.
Sooo true 🙃
True man
He did a blunder but excellent thing is he is now rectifying it . Awesome
One of the best episodes. We get to learn a lot from such videos Hats off to Lokesh for accepting his mistakes he made financially..
Good one Anshuman and Lokesh!! It's not always to learn from successful people!!! at some point they will also be on a low mode with many wrong decisions so all the best Lokesh and i wish your dreams come trure !😊
Lokesh, buddy. I feel your pain.
Life has ups and downs and the world can sometimes bring you down. But I commend you on the positive steps you've begun taking towards getting your finances in control. Stay strong and keep up the good work!
Liked this video, more realistic for majority of the folks rather than auditing people with 50-80 L annual income which is like top 1%. Anyone reading this comment, i would suggest Caleb Hammer's Channel which is like this but much better.
1. Go buy a health insurance for urself n ur pairents
2. Take a term insurance
3. Emergency fund= 6*monthly expenses (including all ur sip)
4. 60% of your savings funds in Hedgh funds
5. 10% in SGB
6. 10%-20% in us stock
7. 10% in REIT or commercial property
Your finance in mostly shorted
*Debt is good when you purchase assets with it not liability
Planning this entire thing will take a year - when will you work for salary ?
OMG!!! I felt uneasy hearing his story. Hope things get better for you soon brother 👍
1k for bed rent i mean being from tier 3 city it's plain stupid
Seriously 😅
Whenever i feel demotivated in life about my achievements and biggest mistakes I did, I am gonna come here and watch this video to make me feel much better.
So you feel happy about yourselves, when you see people make mistakes? That's terrible bro
@@ghhzhxbzhx4663 everything is relative in this world. Kabhi fursat me samjhaunga BRO
You sound like a bigger loser than the one in podcast.
@@ghhzhxbzhx4663yes that's great not terrible 😂
@@ghhzhxbzhx4663it's always great to see people who are dumber and in worse situations,helps me to work harder and grow more and be calm
No offence to him . But he is completely messed up in his personal finance . Thank you for sharing brother. We got to learn from your mistakes.
Yes sir,
@@ravilla.lokesh - Get a Financial Mentor if you can get one. Next time take advice from them for any financial decision
bro i also messed up from rich dad poor dad i taken lons and invested in options all went 0 i did earlier which my parents settled now again did same thing now big tsk infront is 11000 credit card and 4000 24 months emi and 35000 at 36 percent 12 months and 14k at 29 percent 12 months and 5500 at 4 one month i littrelly earn 0 mental tension i dont know how to clear all of them all emi start next month i dont know why youtube recommended this video @@MrGodman1981
This guy is lucky to not have any responsibilities to look after parents as it seems they are not dependent on him financially which is giving him luxury of spending his entire salary on himself.
Bhai I really became scared by listening to his extravagant expenses but eventually he started changing his mindset. May lord bless him...
Not gonna lie Anshuman, but I feel so good that you are fixing the finances for these people mate. Like its so excruciating to listen how misued thier money is. And I really also feel good that they are signing up for these episodes and you are consulting them so that they can live a better life man. Huge shout out to people who have the courage to come on cam and accept that they took some decisions which were not the best. They definitely made some mistake, as every human is bound to, but they also saw and opportunity & took it to correct it, as every human should.
Not just great content but also great impact man. LOVE IT!!!!!!
I always say this to the people I know that, never ever take a loan for anything apart from education and health. Debt is more injurious to health than smoking , it not only destroys you but your whole family.Time, energy, relationship everything will be lost while paying it back.
So buying a homeloan worth 12lakh on EMI is bad?
If the flat rate will increase to 15-16 lakh in 5years from 12lakh + the rent we get from it. Is it a bad investment on 5yr loan
Really appreciate that he has kept healthy!
Really brave of him to highlight some of his mistakes so candidly in the video! Nice content
At 35k anything you spend apart food and shelter is a mistake
19:59 Hearing 36% for the first time in India? In tier 2, tier 3 towns in India, such loans are very common. In fact, while growing up, my dad used to take loan for 60% per annum rate of interest for our studies.
Lol, that is equivalent to slavery 😂
Great and helpful episode. Thanks Lokesh for sharing your story…
Best Example of Amdani Athanni (0.5 paisa income) kharcha Rupaiya(1Rs Expenses).
Brother I would suggest you stop using credit card for atleast 6-8 months and avoid any impulsive buying and get rid of all your loans.
Thanks mate, for the support. it is never late to be on the right track, will be keeping my fingers crossed
Lokesh you are a brave man. I wish you best in your life
I read somewhere that if you want anything expensive (phone, watch,etc) always remember to buy the things you can afford to buy twice. For example, buy a phone of 10k when you have 20k budget for a phone. This helps you with your impulse buying and gives room for maintenance and other unforeseen circumstances with that product.
Very good. Self realization is the best way to learn and change
My brothers is also same situation..both are married n one of them has 2 chidren also .niether they have emergency fund nor any term insurances..n worried about them
Here im thinking 50k per month is not enough... Maybe need to watch more of these videos to learn 1 or 2 things...
Classic case of new gen's financial mismanagment. Thanks to Anshuman for bringing out such cases. And, kudos to Lokesh for being the case study. It takes a lot of guts to be the (wrong) example and grow from there. All the best Lokesh. Saati Telugu vaadigaa nuvvu ee ibbandi nunchi twaragaa bayata padi vruddhi loki raavaali ani korukuntunnaanu.
80k on perfume, 90k on phone, 36%interest loans, cradit card, buying jewellery thinking its an investment 😒 STOP!!!!!!.......... he was saying he changed as his friends are financially stable because they are purchasing house and cars!!! Buying a car is not an investment it's a liability for showoff. It's tough to change him, he will live paycheck to paycheck all his life...... I better keep my mouth shut 🤐
That phone more than his monthly salary lmao. He doesnt want to be rich he wants to look rich😅
🚨🚨 Hiring Alert 🚨🚨
Looking for a dedicated, proactive and detail-oriented Operations Specialist to become a pivotal part of the fix your finance dynamic team! Check out the link to know more- www.linkedin.com/jobs/view/3721199401/
2:15 bro is earning 75k after 7 years work ex and talking about loyalty from the company and work life balance. Pure joker 🤡🤡😂
Only 15-20k perfume dude I earn more than 200000 per month still using Kama Sutra deodorant worth 200₹😂😂😂
What you do for a 2l per month
@@6bk239 dairy business
@@6bk239he mistakenly added 2 zeroes extra
Kanjoos
@@mayankparmar2990 bhai tu mehenga purfume le ya sasta deo le kaam toh dono ka ek hi haina. Kya farak padta hai sasta ya mehenga.
is it a true story or just a fake story to understand the finances? kindly reply.
Hello Lokesh, all d best for your debt free future & your aspirations.
I liked your honesty & appreciate the way to you took all the questions without any pinch. I learnt a lot !
Honesty se kuch nahi hota. Koi itne blunders kaise kar sakta hai. Informed decisions toh chooor hi do lekin #feelingbad
It's looking like Lokesh is very true in his way...
Hi Anshuman,
I have a question.
I am a salaried person in an MNC.
I don't have any family, not married either.
What are my options to use as beneficiary in EPF and NPS and other such schemes?
More than 60% jump in a single year without changing job from 6.5L to 10.5L- that's great even if we consider 2 appraisal. That's big, which startup is this
May be Paytm
BEST VIDEO... WHAT A CLASSIC CASE 🙏😨
I started working when i was 20 years in 2007 and i had the same thoughts of buying luxury and showing off by buying new phones every year and doing things for friends!
Its been 7 years I haven’t bot phone i still has iPhone 7 in 7 years i took land and i still have savings of 5 lakhs need to buy a car for my family 😬
Ill save n buy post that more lands
I have emergency fund of 10lacs in savings,. 25lacs in fd, 6lacs in MF, 22lacs in PF.3 lacs in nps. 1 lac in post office. 5lacs in sip...3bhk house worth 1cr and yes no loans
What an interviewer, I am very impressed for those question & query he asked on point wise.
ANSHUMAN SEEMS TO BE SHOCKED EVERY MINUTE AFTER LISTENING TO THE GUY 😅
Opposite poles attract each other
When I feel bored or want to buy something I see the product but I don't buy it same money I invest in shares .A new thing I have started I used to order from Zomato and swiggy like every day once or twice .now each day I don't order from apps I put that same money around 500 to 700 in small cap shares and I am nearing the habit of not ordering impulsive on food apps as I realised even if I was not hungry I used to order and now it's over 20 days I have not placed a single order on food apps ..I am sharing just to help others everything is possible if u have the will don't wait for situation to go out of hand and than start planning.Lets upgrade our lives from last year and move ahead stay invested and live a happy life.
God bless Lokesh! Thank you for sharing your story
Brother I appreciate your channel just because you are showing what not to do.
I am also partially in the same situation, Lack of financial disciple, wished If I can pay all the debts at one go, start all the principles endured in this video
This was the best episode of this series. Rags to riches types. Recent episodes mein jo participants ate hai wo lgta hai Finance ki books, sare finfluencers ke videos, dekh ke baithe hai… it doesnt give the kick as an audience to be honest… e.g. the last episode of that 24 year old kid with rich father… the most boring episode
Paying with a loan of 15% and closing a loan of 36℅....my takeaway. Glad that i listened to it.
Honest and brave to come out in open
sir if you miss credit card payment by due dates, they charge 100% yearly interest (it includes gst, fees, etc) e.g. for a loan of 80K minimum amount will be 8K almost, a 10% montly interest for the principal amount.
One of the best episodes, Good luck Lokesh
Lending money without collateral is always NPA😂. If it's your friend forget the money; If it's your relative remember them😅
Anshuman, Great video overall. Thanks for making such videos
There's nothing wrong with him at all.... Only problem is he has started investing at a little late. Other than that he is buying gold, car; spending money on some small hobby is absolutely fine ; and lastly stop using bnpl & credit card (they are trap if u are not self disciplined) ..... Other than these he's absolutely doing great, in an emergency u can often take wrong decision, nothing to be ashamed here, just try not to replicate it again.
Don't say kuch bhi acha laga toh like... It feels like there is nothing to like whereas you make informative videos based on real-life knowledge. Hope you will take this suggestion forward.
noted bro, thanks for your love!
Thanks to the guest
Thanks a lot
Very beautiful video, thanks
Nice Video....just one piece of advice to the guy ..Take Gold loan instead of PL to close the App loan...Gold Loan ROI is 9-10% while PL ROI is 12-14%
for that you need gold
😂
Thank you for the video and kudos to coming and sharing your story. In my case of backup emergency fund beyond my cash, what I have done is I keep a current account with 2.5x of salary with LAMF (Loan against Mutual fund) at 9.5% p.a. which amount I can take out and pay back anytime and the amount difference will charged at a perday basis at 9.5 p.a.
This generation is so messed up (me included). We are making spending thousands on parties, lakhs in phones, TVs, bikes, cars etc (things which are available in indian markets for so low). We are not saving not investing. We are all living in rents. Damn. This all excludes our parents' expenses.
Good video bhai.Common man's advisor.
Most relatable video so far
Anshuman you are doing great work to find more answers which help everyone to realize and understand their financial situation. You got refined questions learned from your experience. Keep doing the good work. Please share with us your financial habits and personal habits helping you grow.
I loved Anshuman's shirt !!!
I am just imagine, what could happened if you had discussion with Robert Kiyosaki...
It would have been too good but maybe some other day ♥️
But that guy is a snake oil seller, just looking to sell his books...
Feels like Lokesh is Me.
After he becomes a husband, all these urges will slowly go away from his mind.
90k phone 😂😂😂.... that same amount u cld hve repayed ur loan of 36% by paying 60k n buying a phone of 25k-30k
Exactly 😂😂😂 earns 70 spends 90 , very poor financial management 😅
I was thinking same. Like i have 7k ka phone woh bhi zyada lgta meko 😂😂😂
Big billion day offers will seduce you 😂
All the best Lokesh 👍🏻
Even if you want to close that Loan app debts, the interest is already calculated in the installments and you will be able to clear all the installments at a time which means you are anyhow paying interest. So to close them taking a loan is not correct i guess.
8:51 the disappointment on Anshuman's face XD
Bhai instead of personal loans he could have been withdrawn PF and paid the loans with high interest rates.
now days youtube is much safer than it job
Nice work Anshuman...way to go bhai❤
After watching this, I feel like a genius!
Anshuman, you make realize the worth of money in simple terms in everyones life. Thanks bro for all your efforts. Keep creating more videos.
This is actually a really good podcast
this man is how we all get the rewards on credit cards. take a bow 🙇🏻
Kindly interview government employee also
Govt wale machine se paise count kar rahe hai...unko time kaha milega😂😂😂😂😂
No. Do your own interview
Govt employees ki salary yhan khud koi nhi batayega. Most Govt employees earn more than their salary Under the Table. Voh koi disclose nhi karega..
I absolutely loved this episode.
Someone talking about the reality and youths financial patterns.
No over exaburation.
I am living on 17k per month ,why u r showing rich above rich persons .In India 80% employees are still earning 12k to 25 k,why u r not thinking about that.
WHAT A CLASSIC CASE TO STUDY.
MY GOD HE BOUGHT PHONE AND ALL ON CREDIT CARD 😨😨😨😨
U said U have gold, U can take gold loan interest rates are very less and pay off the loan
This is so insightful brother
For taking loans Cred is best, i have took loan of around 7lac for 14% for emergency... where paytm, airtel money and other popular loan apps were charging anywhere from 25% to 40%
I drink beer, it is much better than drinking Whisky or Vodka
Cred is worst . Cred is giving me loan at 20% interest (770 Cibil score)
I think Bank is good
9:30 honestly don't need a tv
unless you watch with a group (sports)
onr of the best financial advice
Would love to see the progress after a year. great video 👍🏽