UPSC recruited jobs are very reputed. I missed CMS now i repent. Although i earn 1.5 per month but the hectic work hours ,night and weekend duties doesnt justify that. What she is getting is handsome remuneration with all those previleges which we cant compare to money. Also this corporate lifestyle melts lot of your savings compared to their expenses. Happy for them.
Primarily why I switched from corporate to govt. There are lacunae and shortcomings here as well but atleast you get a lot of family time and peace of mind.
Please make videos with couples or singles working in IT sector and staying in Mumbai, Bangalore, who are at the start of career or at 30-35 mid age. This will actually HELP the audience ,
1 lakh inhand, 1.25 rent free, insurance value & low interest loan (10k) ,free daily commute 4-5k Post Tax her salary is 2.5lkh/month, PreTax 3lpm i.e 36lpa CTC for a government employee with job security Its better than working at Tier1 MNC where half value is in stocks
even freshers are earning 30L cash in top tech startups these days and you should compare her salary with a senior experienced employee in a top private firm.
@@vibhavairan2177 30L cash 🤡🤡🤡 that too in startup name few plz and their working hours? Startups would be the last sector to be compared with govt job.
Nothing extraordinary about income. She's 36 and making 1.03 lakh rupees per month meanwhile me and my almost every friend in IT is earning close to 2 lakh rupees at the age of 30.
If it costs 2.5 crores for higher education of 1 kid in 15 years from now, then I believe most of them will end their education by 12th class. Where are the salaries and high paying jobs to justify 2.5 crores spending. It is better to invest 2.5 crores in mutual fund at 12% return and make the kid financially independent. The kid will end up more richer than attending college spending absurdly high fees.
He used illogical stats😂. It is never will be 2.5 crores. if a population of 2 produces 2 more then population % growth becomes 100% technically. But that's a very small sample size. IIM A has to crack first and also from 4 lakhs it became 31 lacs because of the kind of entrepreneurs and salaries it got. That's not the same growth hence the cost of tuition fees will also not grow the same way. It can go to 50 lakhs probably
BRO DO SIMPLE MATHS 12 LAKH RS WITH 11% INFLATION will become around 45 lakh in next 15 years not 2.5cr, he ( this channel owner doesn't know basic maths )
Family se door bhi toh rehega har 6 mahine. Aur 8-9 lakh captain ko milta hai and that too on foreign company ships. Indian company k ships 7-8k USD pay krte hein captain ko And in the end Family>>> Money
Dear Anshuman, stop relying on retirement calculators and use calculators that actually take the real rate of inflation. While retiring, maybe she will get a good lumpsum from NPS but the pension receivable will be paltry. Inflation will keep increasing and the fund will have a hard time coping with inflation. The rate of return will never be 19%. A realistic rate of return after taxes will be 12% with inflation around 8%. Should calculate retirement for at least 90 years. Use these parameters, you will get a good eye opening experience.
seems like people confused upsc cse to all other exam upsc take, bhai log dono me aakash and paataal ka fark hai, upsc bhot aur aare exam bhi conduct karwati hai ,like medical se related enginerring se related aur agricukture se related thoda search karo yar
What's so cool about that anyway you will die one day and not leave any lineage behind. I'm not talking about your brother's family here. Paisa is good but its for bhog vilas while you're alive. With money it's wise to have your blood lineage to carry forward.
Are you a moron?? .. do you even know how much it costs to raise 1 child in todays day and age? .. once you are gone.. who cares about your lineage? ... You are not Bil Gates, Ambani or Elon Musk who have billion dollar Empire.. justifying your mistake right?
80 years of life expectancy is too low, better to plan for atleast 90, in case of retirement planning better to err on the side of caution. Secondly, this case is a complete outlier because of (1) govt job till age 65 (2) already owning house. For a normal middle aged IT person, retirement is going to be very tough. One will need atleast one own home if there is no inheritance. IT job duration is only till age 45-50. Earning abroad is the only way to secure future easily. The only other way is to maintain a frugal lifestyle and ensure that one is investing in equity from day one
Currently government doctors easily get 3 to 4 lakh per month from gov salary at 50 years of age . Her future is secured tho can easily afford upper middle class life. Even after retirement she can do clinical practice, SO she can work till 80 years of age if she will to work . Their children can get free education funded by gov. And there are more perks too.
He is giving advice to those who is earning more than a lakh a month , this guys come on the list of 20% people of india . He should give advise to those who earn less and make them financially free then this content has some weight. 😂😂😂
A goverment officer can never save more than 2 or 3 crore rupees honestly that too after more than 20 or 25 years of service, bribe or ghotala kiya hoga warna 25 crore very difficult
UPSC is a conducting body . Abb koi UPSC sirf bolta hai toh woh itself galat hai. Maine generally dekha hai ki UPSC CSE KO LOG UPSC bolte hai ,jo galat hai. ISME CHALAK ki baat nahi hai.Log unaware hain toh kuch bhi bolenge hi. Hona chaiye UPSC-ESE or ESE UPSC-CSE or CSE UPSC-CMS or CMS UPSC-CDS(OR CDS) UPSC-NDA( OR NDA) UPSC- CAPF UPSC- EPFO UPSC- IFoS( FOREST SERVICE) UPSC-IES( INDIAN ECONOMIC SERVICE).
Bhaiyo ye exam maine bhi diya tha... 10 examiners and round table viva nahi hoti hai..... MBBS k baad central govt ki safe job hai.... Sometimes vacant jate hai seats
HRA is not deducted, license fee is deducted which is hardly 1.5-2k. You don't get HRA if you avail quarter. If she leaves quarter and take HRA, it would give her additional 20k -25k in hand but who would want 25k when you are getting 1.25 lakh house. Also he missed a lot of things. among others, NPS calculation is way off as the contribution roughly increases by 10 percent every year + at least 2 pay commissions before she retires.
wo 16 crore rent mein bachaake kuch ukhaad nahi rahe. That house is not their own. It is better to earn 1 lac rupees....save some money and build your own equity. Also, we all know how government quarters are...they are extremely shabby.
You are right. They are very badly maintained. Everywhere smell, wet walls, broken walls and windows, etc. you have to spend extra amount from your salary for maintaining it.
Good house from government is on luck, also depends on your designation, for most gov house is not that good, but for IAS, IPS, IRS, etc it's really good at most of the places
Isko bolte hai Gawaar YouTubing 😂. The estimated cost of their house was 1.25 lakh agreed but that is not equal to savings of 16.37 crores in rent because they got the house hence they are living in it. Otherwise they would have still saved some money but they might be possibly living in a house for 20-40k rent. Apna khud ka gyaan bhul gaya ki income ka 20-30% should be the maximum expense on rent and 1 lakh income me how will she would have afforded 1.25 lakh rs. Rented house. 😂😂😂
These fininfluencers tell after 15 years crores you will need for education. By that logic only warren buffet will be able to teach his children then with crores and crores.
![Noob To Max With DRAGON REWORK In Blox Fruits [FULL MOVIE]](http://i.ytimg.com/vi/LnBMOinoOvA/mqdefault.jpg)
Uncle’s best investment was the time he spent in finding mam. 😁👍
😂
Haha
Life turned and taken into next level of life style
😂😂😂
😂😂😂
This is extremely rare that a UPSC cleared officer maaried an IT guy and still staying loyal. No Ego's clashed.
Bhai upsc upsc hota hai ab compare kya kar raha hai@Pratik_Bhalerao
14:47 12 lakhs inflated at 11 % over 13 years is 46 lakhs . Kya financial planner banega re tu😅.
perfect
12 lakh fees ke baad living expense, interest wo sab joda hai usne... as he said at 14:55. Ab wo kya basis hai wahi jaane.
UPSC recruited jobs are very reputed.
I missed CMS now i repent. Although i earn 1.5 per month but the hectic work hours ,night and weekend duties doesnt justify that. What she is getting is handsome remuneration with all those previleges which we cant compare to money. Also this corporate lifestyle melts lot of your savings compared to their expenses. Happy for them.
Primarily why I switched from corporate to govt.
There are lacunae and shortcomings here as well but atleast you get a lot of family time and peace of mind.
That's a really great salary I can say as a civil engineer..
I work 6 days +10 hr
@@sourabh2790 you swtich from it to government ??
Please make videos with couples or singles working in IT sector and staying in Mumbai, Bangalore, who are at the start of career or at 30-35 mid age. This will actually HELP the audience ,
UPSC common medical exam
Not UPSC civil services exam.
It’s combined Medical exam not common Medicla exam
Very intelligent educated and clever and down to earth Bengali couple, no show off
1 lakh inhand, 1.25 rent free, insurance value & low interest loan (10k) ,free daily commute 4-5k
Post Tax her salary is 2.5lkh/month, PreTax 3lpm
i.e 36lpa CTC for a government employee with job security
Its better than working at Tier1 MNC where half value is in stocks
if you going to compare then compare it a position of same caliber, I guess her post would be like being higher executive in corporate.
@@cbazxy2697 post idc but ctc should be 60lpa+ with 75% cash component
even freshers are earning 30L cash in top tech startups these days and you should compare her salary with a senior experienced employee in a top private firm.
@@vibhavairan2177 30L cash 🤡🤡🤡 that too in startup name few plz and their working hours?
Startups would be the last sector to be compared with govt job.
lol.............quarters rent has to be paid..........no quarters is free in govt.
Nothing extraordinary about income. She's 36 and making 1.03 lakh rupees per month meanwhile me and my almost every friend in IT is earning close to 2 lakh rupees at the age of 30.
True broo ✅
1 lakh is only in hand ...without nps , rent , allowances , etc and home loan benefits😂😂😂😂
Bhai 60saal tak Teri job nhi rahegi
you can earn 10 lakh per month in IT, nobody cares, respect is in government job. IT mein sab keede makode ki tarah bhare hue hai
Delhi mey ek nukkad par momos bechne wala insey jyada kmata hai
Don't fall for this scam
If it costs 2.5 crores for higher education of 1 kid in 15 years from now, then I believe most of them will end their education by 12th class. Where are the salaries and high paying jobs to justify 2.5 crores spending. It is better to invest 2.5 crores in mutual fund at 12% return and make the kid financially independent. The kid will end up more richer than attending college spending absurdly high fees.
Without education, will end up blowing this money in no time😂
Nikhil Kamath ka education check karo
He used illogical stats😂. It is never will be 2.5 crores.
if a population of 2 produces 2 more then population % growth becomes 100% technically. But that's a very small sample size.
IIM A has to crack first and also from 4 lakhs it became 31 lacs because of the kind of entrepreneurs and salaries it got.
That's not the same growth hence the cost of tuition fees will also not grow the same way. It can go to 50 lakhs probably
BRO DO SIMPLE MATHS 12 LAKH RS WITH 11% INFLATION will become around 45 lakh in next 15 years not 2.5cr, he ( this channel owner doesn't know basic maths )
Private emp are paying heavy taxes atleast they should get a good health insurance & subsidized loan from govt.
Upsc cms different from upsc
ye inko kon batayega😂
When i saw the guy first , understood that he is Bengali guy .. Because I am Bengali too.
Anshuman regarding IIM fees it’s 33 lakhs now for 2 years but approx 5 Lakh was for 1 year in 2009. So full course was around 10 lakhs.
Family se door bhi toh rehega har 6 mahine. Aur 8-9 lakh captain ko milta hai and that too on foreign company ships.
Indian company k ships 7-8k USD pay krte hein captain ko
And in the end
Family>>> Money
Its UPSC CMS ( combined medical services). Anshuman might be thinking about civil services.
For her, ma'am it's still offline. Not online...
Dear Anshuman, stop relying on retirement calculators and use calculators that actually take the real rate of inflation. While retiring, maybe she will get a good lumpsum from NPS but the pension receivable will be paltry. Inflation will keep increasing and the fund will have a hard time coping with inflation. The rate of return will never be 19%. A realistic rate of return after taxes will be 12% with inflation around 8%. Should calculate retirement for at least 90 years. Use these parameters, you will get a good eye opening experience.
He's into courses, that's part of exclusive community
Just a suggestion- Improve sound quality.
Chalo kar diya subscribe Bhai, 10% viewers pe agaya ab. Keep doing the good work!!
seems like people confused upsc cse to all other exam upsc take, bhai log dono me aakash and paataal ka fark hai, upsc bhot aur aare exam bhi conduct karwati hai ,like medical se related enginerring se related aur agricukture se related thoda search karo yar
It was an insightful discussion ..🎉🎉
Try to fix your mic and audio quality first 😂
Please try to make this kind of 1 video daily i want to make habbit of practicing 1 tutorial daily thankyou
After watching the video.. I don't want to make kids 😂😅
If your parents would have thought the same ?
aise na bolo haha
And mein marriage 🤣
What's so cool about that anyway you will die one day and not leave any lineage behind. I'm not talking about your brother's family here. Paisa is good but its for bhog vilas while you're alive. With money it's wise to have your blood lineage to carry forward.
Are you a moron?? .. do you even know how much it costs to raise 1 child in todays day and age? .. once you are gone.. who cares about your lineage? ... You are not Bil Gates, Ambani or Elon Musk who have billion dollar Empire.. justifying your mistake right?
Marriage sahi hai agar dono earn karein@@sraynitjsr
Corruption b include krlo
Gazab insensitive log hai
Its not UPSC. People I know have cleared it by studying for some month
IAS samjh liye sab isko😂😂
Yes it's upsc but for medical not through main upsc. It has prelims and interview only. It's very easy people even don't want to join.
But upsc ese even though it's not cse , is quite difficult..
80 years of life expectancy is too low, better to plan for atleast 90, in case of retirement planning better to err on the side of caution. Secondly, this case is a complete outlier because of (1) govt job till age 65 (2) already owning house. For a normal middle aged IT person, retirement is going to be very tough. One will need atleast one own home if there is no inheritance. IT job duration is only till age 45-50. Earning abroad is the only way to secure future easily. The only other way is to maintain a frugal lifestyle and ensure that one is investing in equity from day one
Currently government doctors easily get 3 to 4 lakh per month from gov salary at 50 years of age . Her future is secured tho can easily afford upper middle class life. Even after retirement she can do clinical practice, SO she can work till 80 years of age if she will to work . Their children can get free education funded by gov. And there are more perks too.
what are you talking dude even 70 years is not confirmed nowadays forget about 90 years average age of indian is 72
I am blessed , my btech fees was ₹82k annually..😊
Bruh im spending 500 rupees every year on my btech😂
Wow mine was 6k per year
Mine was 25k pa, gov engineering college
@@ayaandhanush Jadavpur?
My whole education KG to PG done under 20k Rs 😅
He is giving advice to those who is earning more than a lakh a month , this guys come on the list of 20% people of india . He should give advise to those who earn less and make them financially free then this content has some weight. 😂😂😂
Cause making money is atleast 5x times harder than giving dhyan about how to manage money
I'm wishing if IIM Ahmedabad was listed in B/NSE.
Small suggestion please dont add a subtitle its redundant, youtube already has the feature
I think he is adding this for non hindi speaking people since there are certain lines which are in hindi.
A goverment officer can never save more than 2 or 3 crore rupees honestly that too after more than 20 or 25 years of service, bribe or ghotala kiya hoga warna 25 crore very difficult
Medical officer hai. Bahut Paisa under table bhi milta hoga. Ya firr tender wagaira approve karne me
UPSC CSE is different, other exams of UPSC can be cracked.
Can be cracked kya hota hain....capf, nda aur cds bhi kamar tor degi
Try giving one
Bro please fix the mic it’s irritating
Which calculator do you use
Preparation ke saath Suitcase bhi lagtha h.. Otherwise 1cr saving is a joke for Govt. Employees 😂
Chaalaak hai ye bandi.
UPCS-CMS ko UPSC bol ke bech rhi hai.
Dekh Raha hai binod. Cms ko upsc bolke baat ko ghumaya Jaa Raha hài
She is a medical officer which only class A OFFICER and not upsc post
No difference as per benefits….that is also upsc…not everyone eligible for that exams. Only doctors are eligible.
UPSC is a conducting body .
Abb koi UPSC sirf bolta hai toh woh itself galat hai.
Maine generally dekha hai ki UPSC CSE KO LOG UPSC bolte hai ,jo galat hai. ISME CHALAK ki baat nahi hai.Log unaware hain toh kuch bhi bolenge hi.
Hona chaiye
UPSC-ESE or ESE
UPSC-CSE or CSE
UPSC-CMS or CMS
UPSC-CDS(OR CDS)
UPSC-NDA( OR NDA)
UPSC- CAPF
UPSC- EPFO
UPSC- IFoS( FOREST SERVICE)
UPSC-IES( INDIAN ECONOMIC SERVICE).
How to get loan from credit society? Never heard of it..
Bhaiyo ye exam maine bhi diya tha... 10 examiners and round table viva nahi hoti hai..... MBBS k baad central govt ki safe job hai.... Sometimes vacant jate hai seats
now scenario has changed.. south me apko post hi khali ni milegi.. vacancies aati tak ni..
is it UPSC-CMS??
Yes
Jis life style me yeh log enjoy karte hai and 1 lakh earning hai woh bhi recent salary of 9 years.
Bahut jyada corruption kiya hai madam ne 101%
How NPS contribution is 35000?
FIX your audio bro Finance fixing can be done later
ITI cleared IIT cleared same
Wt about HRA that is deducted from her salary!??
She mentioned, 2k per month 😂
2000 she said na
@@Gourab22must be about 45000
NPS contribution will increase more when basic salary and Dearness allowance increases. They don't consider this thing in their calculation.
Yes 😂
UPSC MO crack karke night duty kar rahi hain aur sunday bhi working 😅
lol just find some grade B rbi officer you will be shocked how much they are earning their starting salary is 2.8 lakh and 1 lakh HRA
Thyw have missed telling rhat for rent free accomodation, their hra is deducted from salary. So 1.25 lakh rent benefit has to be corrected.
HRA is not deducted, license fee is deducted which is hardly 1.5-2k. You don't get HRA if you avail quarter. If she leaves quarter and take HRA, it would give her additional 20k -25k in hand but who would want 25k when you are getting 1.25 lakh house. Also he missed a lot of things. among others, NPS calculation is way off as the contribution roughly increases by 10 percent every year + at least 2 pay commissions before she retires.
7:57 next hai bachha 😅 child bhi bol sakta hai bro
Are u mad or what??
They are talking about upsc cms
This is the problem with uneducated RUclipsrs trying to become”influencers””
😀😂😂😂
He got lots of followers also
wo 16 crore rent mein bachaake kuch ukhaad nahi rahe. That house is not their own. It is better to earn 1 lac rupees....save some money and build your own equity. Also, we all know how government quarters are...they are extremely shabby.
Looks like u haven't visited any government quarter recently!!
You are right. They are very badly maintained. Everywhere smell, wet walls, broken walls and windows, etc. you have to spend extra amount from your salary for maintaining it.
@@ankush6863they are hopeless, shabby . Source: I am a Central govt employee
Good house from government is on luck, also depends on your designation, for most gov house is not that good, but for IAS, IPS, IRS, etc it's really good at most of the places
we've been living in govt quarter all are lives, some are shabby sure, bust most have been really spacious and great
She must have cracked upse before 2014.
How does the guy not have PF ? Working in an mnc
It was meant to be PPF
Isko bolte hai Gawaar YouTubing 😂.
The estimated cost of their house was 1.25 lakh agreed but that is not equal to savings of 16.37 crores in rent because they got the house hence they are living in it. Otherwise they would have still saved some money but they might be possibly living in a house for 20-40k rent. Apna khud ka gyaan bhul gaya ki income ka 20-30% should be the maximum expense on rent and 1 lakh income me how will she would have afforded 1.25 lakh rs. Rented house. 😂😂😂
7 lakh ka loan kon leta hai
Enlog soch rhe honge ki bachaa pr hi kitna karch bd gya h
These fininfluencers tell after 15 years crores you will need for education. By that logic only warren buffet will be able to teach his children then with crores and crores.
They don't think that their kids can crack govt college 😂😂 excluding iim
Upsc medical exam is a joke in front of neet pg . These loosers are only MBBS and works as a group A officer . What a joke !!!
Then why don't you work as cmo 😂😂 you can become professor . 750 colleges are opening
Kuch faida nhi gov job ka. Me hoon marine Engineer on cruise ship 8 9 lakh in hand milata h free world tour v ho jata he
first fixed ur mic bro then finance
Bhai govt employees ko insecure kar diya
She must be addressed as dr as she must have cleared mbbs
Kanjoos bongs
IAS have multiple sources of income
Not IAS, Its UPSC CMS for doctors
Abhe gochu tujhe pata hi nahi yeh upsc difference hai
..
❤
IIM karne ka hi nai
Why?
@adityapatel8701 everyone don't want to do MBA na if every one do mba then what about other carreer
🐕🦺
first
Delhi mey nukkad par momos bechne wala insey jyada kma raha hai
Even chai bechne wale bhi insey jyada kmate hai
But she has studied medical in grad which all these street vendors don't have knowledge. Stop comparing.
@@Highachiever19money matters
Career growth and retirement benefits bhi sochiye
Tu kya bechta hai? Dimag?😂
And the best dialogue by Ansh.. was dusraa kid Abhi upcoming hai!.. 😅😅 matlab launch hone waala hai!.. god help!..
Paise k bakse par baithe h fr bh pareshan h yaha to 20 lac k karza liye h. Bachat zero h. Koi investment nahi naa insurance h bas jeevan kat rha h
Langoor ke haath mein ungoor!!😂..making her pregnant every time.. 😅heh Bhagwan uthaa le ..in this kalyug!!!
Sarkari Naukari ROXXX