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Watch This If You Want To Retire Early
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- Опубликовано: 4 окт 2022
- Early retirement has now taken the world by storm. Youngsters are now unwilling to remain shackled to 9-5 jobs until 60. Quiet quitting, moonlighting, the Great Resignation is all proofs of this trend.
Sure! working a job that you genuinely love until 60 is great. But all of us are not that lucky. A recent poll that I conducted among 60,000+ respondents revealed that less than 10% of you love your job.
Even if you love your job, we humans get bored easily and would like to explore other things which might not be well paying but still give us joy. Having the freedom to explore this is what early retirement is all about.
Now the scientific way to achieve this is called FIRE. Meaning if I spend 12 lakhs a year, I need 25 times this amount to call myself sorted financially.
So if you have 3 Crores today then congratulations ! You can live the next 30-40 years in your bed watching Netflix all day and spend 1 lakh a month.
But most of us take forever to achieve a Crore+ networth. What if you want to achieve it faster and be okay with working a relaxed job?
👉🏻 Enter Coast FIRE.
Achieving this number allows you to quit your stressful jobs and explore other opportunities which pay you enough to support your lifestyle, while the Coast FIRE number keeps growing to achieve FIRE when you're 60.
I teach how to do this in the One Percent Finance Club.
➡️ The link is in the pinned comment. I'll see you there on next week's live session :)
#financewithsharan #retirement #retirementplanning #retireearly #financialindependence #financialfreedom
![Chuckyy - Devil Hours [Official Music Video]](http://i.ytimg.com/vi/f3wZGj0VnZU/mqdefault.jpg)
Link : www.financewsharan.com/course
Can a 14 year old do this course? 😶
Bro, 5k is a little too much for me...
Can you also design smaller courses for people like me??
P.S. please do keep uploading....your videos are awesomely helpful
Is it a recorded or live session????
@@divyas7773 same question
@@divyas7773 yes of course
It's recommended to save at least 15% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 15% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of compound interest and potentially grow your retirement savings over time.
If you’re new to investing or have a more complex financial situation, It can be helpful to work with a financial advisor who can provide personalized guidance and help you make informed investment decisions.
On the contrary, even if you’re not skilled, it is still possible to hire one. I am a project manager and my personal port-folio of approximately $750k took a big hit in April due to the crash. I quickly got in touch with a financial-planner that devised a defensive strategy to protect and profit from my port-folio this red season. I’ve made over $150k since then
Mind if I ask you to recommend this particular coach you using their service?
Sonya Lee Mitchell maintains an online presence that can be easily found through a simple search of her name on the internet.
I looked her up, and I have sent her an email. I hope she gets back to me soon. Thank you
I think the retirement crisis will get even worse. A lot of people can’t save because of low paying jobs, inflation, and insane rental rates. And now that home ownership is out of reach for middle class Americans, they won’t have a house to retire with either.
Rising prices have affected my intention of retiring at 62, working part-time, and building my savings. I'm worried about whether individuals who weathered the 2008 financial crisis found it less challenging than my current situation. The stock market's volatility, coupled with a reduced income, is making me anxious about having enough for retirement.
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.
@@mikegarvey17Mind if I ask you to recommend this particular coach you using their service?
"Camille Alicia Garcia" maintains an online presence. Just make a simple search for her name online.
I copied her whole name and pasted it into my browser; her website appeared immediately, and her qualifications are excellent; thank you for sharing.
More and more people might face a tough time in retirement. Low-paying jobs, inflation, and high rents make it hard to save. Now, middle-class Americans find it tough to own a home too, leaving them without a place to retire.
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.
Mind if I ask you to recommend this particular coach you using their service?
' Sharon Marissa Wolfe' a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
I copied her whole name and pasted it into my browser; her website appeared immediately, and her qualifications are excellent; thank you for sharing.
I think the retirement crisis will get even worse. A lot of people can’t save because of low paying jobs, inflation, and insane rental rates.
Great video. We are all seeking for financial independence and a better way of life. This is not difficult to achieve with savvy investing, a frugal lifestyle, and cautious budgeting. I'm glad I learned early on to work hard for financial independence. As Warren Buffet said, he has seen this happen many times in his life. Not an investor, My husband and i never earned more than a middle class salary. We plan to get retired at 58 with a stock portfolio worth $4M. We have never sold so much as one share of stock.
Most people do not understand the power of compound interest or are just impatient. However, for the average Joe, I think it's better to invest in the S&P 500 and wait, which is reliable, albeit extremely long: many years, or just use an investment advisor and speed up your wealth creation. Most people underestimate the power of the latter.
I agree with you. I started investing on my own, but I lost a lot of money. I was able to pull out about $200k after the 2020 crash. I invested the money with an investment advisor and in seven months raised almost $873,000.
@@MarkFreeman-xi3rk Any chance you can recommend who you work with for those of us who want to make the right plays now and be better positioned for a healthy retirement?
@@JenniferDrawbridge Having a counselor is essential for portfolio diversification. My advisor is Margaret Johnson Arndt who is easily searchable and has extensive knowledge of the financial markets.
thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.
Initially, my retirement strategy involved retiring at 62, engaging in part-time work, and diligently saving money. Nevertheless, exorbitant prices across all commodities have significantly disrupted this plan. I am apprehensive whether individuals who navigated the 2008 financial crisis encountered less challenging circumstances than what I am currently facing. The volatility in the stock market is a cause for concern, especially as my income has declined. Consequently, I worry about not accumulating sufficient retirement savings, given my reduced capacity to contribute as substantially as I did before.
Everyone needs a different stream of income , unfortunately having a job doesn't mean security due to the high rate of tax , one needs to move ahead their expectation, I would recommend refraining from investing in stocks for now. Instead, it would be prudent to consider retaining a portion of your assets in gold. Alternatively, seeking advice from a financial advisor could provide valuable guidance in this matter.
I'll recommend you create a diversification strategy because building a good financial-portfolio has been more complex since covid. Recently my colleague advised me to hire an advisor, surprisingly I have accrued over $210K under the guidance of my coach during this crash. She figured out Defensive strategies to protect my portfolio and make profit from this roller coaster market.
Mind if I ask you to recommend this particular coach you using their service?
My advisor is Stacie Lynn Winson, a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
Thank you for this tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé
@@Olivia-z5c
what can I do? I am 58 years old at the verge of retirement. My portfoliio of $450k is down to $192k, How can I profit from the present market.
Very true , I diversified my $400K portfolio across multiple market with the aid of an investment advisor, I have been able to generate over $725k in net profit across high dividend yield stocks, ETF and bonds in few months.
That’s stirring! Do you mind connecting me to your advisor please. I desperately need one to diversified my portfolio.
There are a lot of independent advisors you might look into. But i work with *Natalie Carol Nielson* look her up on the web and see if she satisfies your discretion. I endorse her.
Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.
Least botted ass thread
Inflation and market crash left the chat
it includes all the ups and down.
thats why he asumed bismal 8% rate u can surely get 12-15% in mutual funds
@@anandsuralkar2947 what will be the value of 4 cr after 10 years. It will be like 40 lakhs i think
@@shyambandla6477 if you make braindead investments it surely will be ₹40,000
@@shyambandla6477 no way what you are saying is like inflation can't grow 10 times in just 10 years it needs several decades for that and also if you work for the 10 years you could invest the rest of the money
Dude he only assumed 8%.
You deserve the money that comes from this membership
Keep it up brother
Bro that's a scam please don't message it
@@powerfulpiston4979 how tf it's a scam it's ok mf
@@powerfulpiston4979 how is it scam?? It's from his official account
According to the website he has 2700 members already. 2700×5000 = 1.35 crores already. 😂
@@PotatoBoi69 5000 is the fees ?
👆👆Everyone : but How to get ₹ 2 crore by age 40/45 ??!!!
Sharan : beep boop... beep boop !! 🤣👍🤪👍
Two year IT work in SWISS
He counted his monthly expense as 1 lakh. For people with lesser expenses it would be less too.
Also if you start investing at 25 years of age, and continue SIP for 30 years, with saving about 15-20k per month then you can accumulate that much.
After beep boop, xp shout down sound and Sharan goes home.
@@thaggedele7588 how?... In Detail, Please! 😊
@@thaggedele7588 If you get work from home in India, else you would have to manage expenses in Swiss currency.
Inflation left the chat
Tu inflation inflation chillate rahna.aur invest karne wale kama ke retirement bhi le lenge
@@banana298 😂
@@banana298 ho gya bhai retire?
@@SameerSharma04 naa abhi Mai investing seekh rha hu.
Aur thoda bahut invest bhi kar rha hu
@@SameerSharma04 isi lie financial education bahut jaruri hota hai 😂
If 2. 5 crore becomes 8 crore by the age of 60, how will you retire at 45?
He said getting a chill job
Disclaimer:- Do not try in your office
I love that beep boop sound, I'll use it as ringtone
Assumption:If all other things are constant😂😂
Abe mutual fund ya index fund m lagayega fr bhi min. 7 to milega or isse bhi jyada
@@divey3621 par inflation bhi 7% se jyada ho sakta hai so there is no difference
I have ZERO knowledge about stock market investing money and stuffs like this. But I watch his videos because it always contain humour
For middle class people need to think this much of startiges for planning after their retirement but so many politicians without doing any job they are earning and saving for crores of money to their future this needs to be changed
No inflation, no market crash included
Just a typical theoretical example...
Didn't expect this
cool tips man… always helpful.
My man! I’m a big fan from Hamburg, Germany😁 Your 1% Finance Club is one of the best investments I’ve made! 😎 It’s not the best because equity mutual funds are better haha
How is inflation there ?
@@AdityaJape fatti padi hai boss 😂😂😂
Your service is ultimate bro.
What about the monthly expenses from age 45-60 ,if he resigns won't he be using those savings
i think that's why the boss said he's going to get a more chilled job that can cover his expenses without much work
@Aryan Singh dude I earn 2 lakh per month and my job is chilling only with wfh. Your skill determine your salary , not hard work or tension you take
@@vish206 what do you do man
@@vish206 😄
@@KimJongunNK coding ..If you are skilled developer with cloud knowledge on big data, money is there for you to grab.
High returns on invested money for a period of time was exiting but company we are investing and health of the company matters to get right time and money at maturity time.
Hey.. Only recently knowing about you and your amazing videos... İt's really help that I can understand so much financial matters through your videos.. I was a science student and chose CA course for my career... But it's hard to understand those commerce concepts and all for me... Can you suggest some other channels so that I can learn those interestingly?
Big fan bro keep doing love your videos 💞💞💖💖💞💖💞💞💞💖💞💖💞
Could you please ad inflection
That’s assuming inflation doesn’t happen and things stay the same price as they are now.
But how to meet up expenses from the age of 45 to 60?
Retirement in this day and age is a pipe dream even if you have a couple of crores saved. Money keeps losing value faster than you can imagine and in a few years that 8% cagr won't be able to cover inflation. Sad state of affairs.
Salary is 1 lakh and target is 2.5 crores in 5 years. Easy to acheive in dreamland 😎
he said his expense is 1 lakh
Stop running behind financial independence, rather find something I would like to do till my death bed.
-For myself (2023)
Whether or not I invest in what this guy says... I love his videos.
Just one question? Good idea other wise
what about inflation rates?
Hi Sharan. This is Shiran from Sri Lanka. I wonder your course content match Sri Lankan financial context? Please let me know.
How to manage expense from 45 to 60 years
So he is not going to do any expenses in that time period
When you sell courses , you dont have to plan anything
Does that "beep boop beep boop" is inspired from the movie 'Lightyear'?😅
"I subscribe my man, finance with sharan"
From 45 to 60 without earning any money and also keeping 2.5 crore undisturbed how could that man will eat ?
Where are you from?
You are So much dedicated
Extremely enjoyable
Any video about Term Insurance ..(Home loan ) want to know about it
This guys definitely watches creative explained.
The beep boop beep boop realy got me😂😂
Yes
Keep up the good work man
Let the haters hate . Haha
Sharan, can u come up with something for muslims who cannot invest on SIP reason being its prohibited for us to take interest for us. So this is almost 1/3 of the population who follow this in our community. Think or come up with something which cud help us to invest better and have a financial independence without interest. We cannot even invest on companies which work with products like alchohol or companies earning from interest . Almost no possiblity, but I still ask u if u have any plans come up with a video for our community who strictly who follow this plz
Let's see if that works for me
How to know more about finances
What will he spend if he invests 2.5 crores from the time he's 45 to the time he's 60?
What about the tax govt charges on FD interest income.
You made my day @sharan. 💝
Inflation, monthly expense be like 😂😂😂
Do we need to join this course to learn compound interest formula? 🤔
Hehe
At least read the website before commenting 😇
My 2 cents:
1. Don't judge a course by its shorts.
2. Don't be prejudicial
@@financewithsharan there's literally scammer 2 replies below urs and above this reply check it if u can do anything about it
Bro you are saying all in crores , please tell in lakhs bro not crores
if Sharan had achieved coast fire he would be selling that course for free or 5Rs. Not 5k. do the math
5000/- x (10000 people). = 5CR.
Education is free, you just have to look for it.
And in time span from 35-59 years of age he will live on road and drink water and eat air have no expense, where's the LOGIC man?
What about the inflation rate?
So if we invest the whole 2.5cr to grow as 8 cr by 20 yrs, who will pay my expenses meanwhile?
But what about inflation?
Age 18 me retire kese hoyee
bro can I post your videos on my channel
how will you survive between age of 40 to 60. if you retire at 40? you need to keep getting 1lacs from 2.5 crore at intrest/inflation rate of 8%
Inflation is 7%
All the magical calculation exits from ages like compounding, fire lifestyle.
Just tell me how many people actually achieved financial freedom..?
At 40 he's poor and at 45 he will have 2.5 crores to invest till 60. Wow 😲
Living cost died at 45
And how to survive from 45 till 60..
Mandir me jaake seva karo
What about inflation??
POV:inflation
POV:market crash
POV:interest levels go lower
But if your bank or country is financially stable,you could try this
bruh,what about inflation.
There is a big problem in this video you didn’t account for inflation assuming 8% return and last 10 year average cpi (consumer price inflation ) as 6.02% the effective return will be only 1.98 %
Real big fan of your but pls take a notice
bro i faced a issue with the 1% master class i couldn't join in it because i am going to collcollege
the time was 4 pm 😢 i will be at class
Broo are you maharashtrian?
Kannadiga, he is kannadiga
Finance with Sharan - is this course useful for someone that resides outside India.. like US... Or UK ?
It varies. Since investment schemes and tax laws are different
Sir aap students ke liye koi advice hai kya jinhe stipend milta hai
Bhai best advice yehi h ki idhar udhar na krke sara psa apne upar invest kr , apne skills vgerah ko improve kar , apni health improve kar , apni hobbies main invest kr. Kyunki paisa ata jata rehta h , kabiliyat is constant.
Inflation left the chart 📈📈📈 😏
Inflation is variable. You have to find out whether inflation significantly affects the components of your lifestyle.
If you don't have kids, you don't need to worry about education inflation. Healthcare can be covered with health insurance.
@@sportstours24 but inflation effect all things traveling food tour and Al things
@@harshitrawat3661 i think it varies
maybe he calculated the 8 crores amount while keeping inflation and all in mind, just my assumption
@@vardaanakacr3vis dude!!!
You're new into Finance
I love your content but make Content for those having monthly income of 6-7 lakhs and in thier early career. Really want that to happen
But what about those living on less than monthly Salary of 20K. Managing costs and family so difficult with low income.
Bro can you suggest me that Im earing around 35 k how can I invest and my age is 29 years
Waiiiiittt.. what about inflation and how many percentage of that fund are you taking out per year? And what if the first period of 20 years that I retire the market is shit. Sounds lil dangerous
What will he eat between 45 and 60 if he invests all his 4.5 Cr?
But if you are liquidating assets for your expenses you won't be able to reach the 8 cr mark
How to arrange 2.5CR by the age 45? Sharan help!
Japan ka market dekhlo ek bar hamesha same trend follow nhi hota
Japan is exceptional bhai...jab pata nahi to kyo bolte ho...waha inflation kitna h malum hai?? Nil almost
They have huge ageing population with reducing tax payers and a developed economy. India or any huge economy cannot become that in 50yrs 😂😂😂jao ab sojao
From where u have done your mba in finance?
These genzzzzzzzzzzzzz I tell you!! I'm not a bomber
2.5 crs with 8% will become 8 crs. But what about monthly expenses? Are those accounted
No need to join anything. Just gather 2.5 crores as he said in the video to become financial independent.
Sharan , R u from Mumbai?
Bro, I lv ur thoughts, a little bit of Kannada, can u help me?
What Coast Fire..anyone explain
Me indian in hyderabad
Bruh iam 13 I cannot invest iam not 18 bruh
but the thing is that 2.5Cr rupees won't be that exact amount for the rest of years because I'll be using it after retiring. so the math is right untill i have 2.5Cr rupees and i don't use it
Good
Wait 8 crore is enough for financial retirement? I thought it would be around 10 millon or 800crore
But I don't have monthly saving of 1lac
The way he puts the word ONLY before 8percent shows he thinks that we will stil get above 12 percent returns from stock market even after 20 years from now...