Thank you for your interest in being featured on Wint Wealth! Please fill out the form at the provided link to be considered for a feature. We look forward to learning more about you and your journey to financial success.
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.
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.
Sonya lee Mitchell is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Thank you so much! This is exactly what I needed right now. I wrote her an email and am waiting for her reply. Hopefully, she responds soon. I plan to start the year on a strong financial note.
Imagine 10 years or 15 years ago, such quality information was not as easily available as it is today, we are really thankful to Pattu sir, telling us it is ok to be normal and build wealth in a boring way.
Thank you for your kind words and support! It's great to hear about your success with investing, and I wish you continued success on your journey towards financial freedom. Keep up the good work, and best of luck to you!
It is important for me to maintain my values and principles in everything I do. I believe in honesty and integrity and it is essential to me to uphold these values in all tasks and decisions. Thank you for your understanding.
I appreciate your understanding and support. It is important to me to uphold honesty and integrity in all aspects of my life. Thank you for respecting my principles.
Amazing content! I have been following your videos for sometime now, consistently kicking down Wall Street doors for two years now, I have over $320k in stocks. Currently, my portfolio is down by 15%. Wondering if they're any short term opportunities I can invest in.
I agree that there are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment experts or advisors with experience
Reason I decided to work closely with an brokerage-adviser ever since the market got really tensed and the pressure became so much(I should be retiring in 17months) so I've had an brokerage-adviser guide me through the chaos, its been 9months and counting and I've made approx. 650K net from all of my holdings.
Elisse Laparche Ewing is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment
Good observation, it was odd that immediately after buying a house expense he kind of compared having a child! May be he’s just starting and hope he can work on quick thinking and questioning with EQ.
Thank you for your kind words and encouragement! I will definitely keep pushing forward with determination and focus on my investing goals. I appreciate your support and well wishes. Let's work towards our financial success together!
Thank you for the encouragement and support! I will definitely stay disciplined and focused on my goals. I believe that with dedication and hard work, I will achieve success in my financial journey. Your kind words mean a lot to me.
If you have to follow one person in your life for financial knowledge, it has to be Pattu Sir. So much clarity. Most important take home - Inaction hurts more than inflation. Start early and invest to the max possible. He didn't mention ULIPs as his biggest mistake. 😊
I believe investors should focus on under-the-radar stocks, especially given the present rollercoaster nature of the stock market. 35% of my $270,000 portfolio consists of collapsing stocks that were previously respected, and I don't know where to go from here.
Explore the option of engaging financial advisors, estate planners, or tax experts. Their specialized expertise can assist you in navigating intricate financial decisions.
Accurate asset allocation is crucial, and some individuals use hedging strategies or allocate part of their portfOlio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay finan-cially secure for over five years, yielding nearly $1 million in returns on invest-ments.
She goes by ‘Melissa Jean Talingdan’.’ I suggest you look her up. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
Let's continue to stay focused on our goals and work diligently towards financial success. With determination and perseverance, we will overcome any challenges that come our way. Thank you for being a source of support and motivation, together we can achieve extraordinary things.
Today I reached 75 thousand. I'm really grateful for all the knowledge and information I've been given during the last few months. I started with 7k in January
Chat GPT has been the best open AI from my trading experience. Most human error and increasing the accuracy of trades only from Frederick Frost trading Signals.
The question is how to convert your salary into the investment funnel without double taxation. you pay taxes once it's earned, then buy stocks and get taxed again once you sell. Want to invest over 300k on the stock market, how do l achieve this?
Pattu Sir is the best online person to learn from. The insights that he shares is very deep and backed by a thorough research ! We see very flimsy finfulencers online, Pattabiraman Sir is exactly on the other side of that spectrum. His Blogs are a wealth of knowledge. Fan of this man !!!
Recently retired and unsure if my 401(k) and IRA will provide a stable future. i need an approach that will align with my risk tolerance and financial goals, i set aside $1m to achieve this. Do you suggest i get into stocks or buy a rental property?
Look up dividend aristocrats. Pick six to ten from that list. Those companies have a track record of 25+ years of paying dividends. Also, its advisable you work with a financial advisor to help set up a well-structured portfolio.
I agree. Based on personal experience working with a financial advisor, I currently have $2 million in a well-diversified portfolio that has experienced exponential growth from when i started. It's not only about having money to invest, but you also need to be knowledgeable, persistent, and have strong hands to back it up.
Rebecca Nassar Dunne is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I am indebted to this genius, Legend called Pattu sir. Following him since 2019 he is a legend when it comes to personal finance. Thanks to Wint Wealth team for bringing him on board.
Thank you for bringing Pattu Sir on this channel. Reading his blogs for years and learned my first personal finance lessons from his blog only. Most practical lessons, his way of handling finance is very relatable for common people like us and he is truly humble and honest. The OG personal finance Guru in true sense.
Pattu sir! My finance Guru. Literally I learned basics of investing , FIRE through his videos for past 4 years. I am near my FIRE goal after 4 years of dedicated focus on personal finance.
Everyone is telling the newbs what they should do right now as they enter the market. They need to know what not to do as well. I made my last market mistakes and this is all Core Alpha. Time in the market. always beats timing the market. Keep it real Cep!
Thanks for sharing this here. A lot of beginners Like me are smashed out there every day. It's a good thing we have nice people here who want others to become successful as they are.
What I appreciate about Corina Michelle is her ability to tailor strategies to individual needs. She recognizes that each investor has unique gools and risk tolerances, and she adapts her advice accordingly.
Let's stay committed and motivated on this journey towards financial success. Thank you for your support and encouragement, we can achieve great things together!
He’s right. Only quick way to retire early is to increase your income. Never heard of the guy, will research his work further. Really good vid, wint wealth!
Amazing content! I have been following your videos for sometime now, consistently kicking down Wall Street doors for two years now, I have over $320k in stocks. Currently, my portfolio is down by 15%. Wondering if they're any short term opportunities I can invest in.
I agree that there are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment experts or advisors with experience.
I stopped listening and taking financial advise from these TH-camrs, because at the end of the day, I end up with a bunch of confusing stocks without knowing when to take profit, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
Elisse Laparche Ewing is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
This was one of the best episodes man! And the last line made me so comfortable! Its absolutely possible to build wealth in a BORING way. Need not do trading, etc. Just do the normal things & keep your expenses low. Beautiful episode with no fancy stuff. Just real life conversations & lessons on money. Perfect!
Great advice Dr. Pattu, and simplified approach. Was expecting Dr. Rama Neelamegham madam to be present in this video, usually wint wealth does it that way.
People who are able to retire early are lucky . I have 5 years till 65 and need to look at calling it quits, my only fear is running out of funds much later, thus keen on investing. What could be the safest possible ways to invest for cashflow, in order to afford lifestyle after retirement?
That's right. I am a wife, mother of four and new grandmother, 28 years in Corporate America, retired recently at 57 after discovering the freedom investing could provide, been contributing to my portfolio since the pandemic in early 2020, and have grown a $250,000 savings account to almost 1 million, credits to my investment advisor.
*Well explained. Thank you for bringing up this video. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject! Thanks to Luna Cox the lady you recommended*
Luna was interviewed on CNBC Television. You can use something else, for me the strategy works hence my result. She provides entry and exit points for the securities I focus on.
Recently bought some recommended stocks and now they are just penny stocks. There seems to be more negative portfolios in the last 3rd half of 2023 with markets tumbling, soaring inflation, and banks going out of business. My concern is how can the rapid interest-rate hike be of favor to a value investor, or is it better avoiding stocks for a while?
Just "buy the dip". In the long term it will payoff. High interest rates usually mean lower stock prices, however investors should be cautious of the bull run, its best you connect with a well-qualified adviser to meet your growth goals and avoid blunder
The truth is that this is really not as difficult as many people presume it to be. It requires a certain level of diligence, no doubt, which is something ordinary investors lack, and so a financial advisor often comes in very handy. My friend just pulled in more than $84k last month alone from his investment with his advisor. That is how people are able to make such huge profits in the market
So happy to see my favourite finance guru on my favourite channel 😊 6:30 Totally agreed . I am doing it since 4 years specially coz I started pretty late( mid 30s)
I began my investment journey at the age of 33, primarily through hard work and dedication. Now at the age of 58, I am thrilled to share that my passive income exceeded $100k in a single month for the first time. This success reinforces the importance of the advice mentioned earlier. It is not about achieving quick wealth, but rather ensuring long-term financial prosperity.
Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.
I agree, having a brokerage advisor for investing is genius! Amidst the financial crisis in 2008, I was really having investing nightmare prior touching base with a advisor. In a nutshell, i've accrued over $2m with the help of my advisor from an initial $350k investment.
"Gertrude Margaret Quinto" is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment
Insightful... I was curious about her, so I looked her up online. I discovered her website, and I must say that she seems knowledgeable. I sent her an email outlining my goals. I appreciate you sharing.
I’d be retiring or working less in 8 years, and considering this financial recession, I’m deciding to begin taking up skilled trades. I’m curious to know best how people spilt their pay, how much of it goes into savings, spendings or investments, I earn about $140k per year but nothing to show for it yet.
You should contribute to your retirement diligently, or better still look into financial planning don’t come to TH-cam for advise, consult a financial firm about your situation
Very true, I find myself lucky enough exposed to money management at an early age. Worked full time when I was 19, purchased first home at 28, fast forward time…. I’m 65 now, got laid off March 2020 amidst lockdown, a blessing in disguise. At once I consulted an advisory firm to match me with a planner to stay afloat and with subsequent investments, I’m only 15% short of $1m as of today.
As we witness the current economic landscape, it's becoming increasingly clear that we're entering a recession. These times can pose significant financial challenges.
This is huge, would love to grow my reserve regardless of the economy situation, my 401k has lost accrued since early 2019, at this point, I’m in need of guidance
Pabi Raman's inspiring journey underscores the critical importance of perseverance and financial literacy in achieving financial independence. His approach of staying invested through market lows to reap benefits during highs is a valuable lesson for anyone aiming to secure their financial future 🌟.
I agree with everything except "have one child without thinking about finances". Even one child can be extremely expensive. Nowadays the cost of living relative to salaries is much higher than it used to be.
FIRE for me is that get financial independence (save corpus per your formula or multiples of expenses) and retire early happens automatically because work for money is optional so one can work at the same job or a different job or anything else including nothing!
In 2024,don't set new year financial goals without consulting a financial adviser.there expertise ensure a solid plan for success.Building wealth involves developing good habits like regular putting money away in intervals for solid investments.
Thanks for the advice! I'm new to financial planning and wasn't sure where to start.Any tips on finding a reliable financial adviser or resource to guide beginners?
I agree, based on personal experience working with an investment advisor, I currently have $650k in a well diversified portfolio, that has experienced exponential growth. It is not about having money to invest in stocks,but also you need to be knowledgeable, persistent,and have strong hands to back it up.
How can I participate in this?I sincerely aspire to establish a secure financial future and am eager to participate.who is the driving force behind your success?.
definitely the convsersation is of great quality....but is no one going to talk about how beautiful the house is? That's like a dream house purely Indian classical style man.
Thank you so much for this video. Pattu sir is amazing. Simplicity and wisdom at 'VERA' level 😊. I have watched almost all his videos @freefincal. Extremely insightful and very simple to understand. Thank you Pattu sir 🙏.
The stock market and Crypto investment is a way to protect against inflation. Particularly in the midst of a recession, investors must understand where and how to allocate funds to protect against inflation and still make profits.
In my opinion, the impact of the rise or fall of the US dollar on investments is multifaceted, but learning how to grow your money has never been easier than now that you can passively explore and experience a truly diverse market by using an advisor. director portfolio.
Who do you trade with? Could you guide me on how to get in touch with your advisor? My funds are being eroded by inflation, and I'm seeking a more lucrative investment strategy to effectively utilize them.
Do your homework and choose one that has strategies to help your portfolio grow steadily and steadily. "Linda Sue Baier" is responsible for the success of my portfolio and I believe she has the qualifications and experience to achieve her objectives.
The first step to successful investing is determining your goals and risk tolerance with the help of a financial professional like Linda Sue Baier. She is among the best experts and her qualifications speak highly of her. It is highly recommended that you make her your advisor this 2024 to build your portfolio.
Pattu - A humble person whom I ever seen for the knowledge and exposure he has. I am proud to say that I live in the same city where he is but dint get a chance to meet him. I love his simple way of investing style and explaining the things in language which is clear to evreyone.
I am an assistant professor of physics and exactly the same thing happened to me. Even before I receive my first salary cheque, my father was diagnosed with multiple myeloma. We didn't have any insurance and I felt exactly what the professor went through.
Everybody: Retire at age of 40,50,60. With 10,20,50 Cr of wealth. Passive income of 1,2,5 Lakhs Me: Retire at 30 with 60L of wealth and passive income of 25K 😂😂😂 I live in a tier 3 city where the cost of living is pretty much low and 25K of monthly active income is luxury. I don't know is this the right time or amount for retirement. Can anyone share their thoughts?
25k per month from a corpus of 60L is a greater withdrawal rate than 4%.. for a much longer retirement period if you're 30. What are your assumptions for such a high SWR? In contrast, Pattu sir recommends an SWR of 0-1%.
@@nemishasharma5737Thanks for sharing your thoughts. My target has changed to 1Cr and SWR at 5%. Of which 2.5% is for my household use and 2.5% will be donated to the poor. Regards such high expectation (which is actually not), if you are invested in simple stock investment option like index fund, you will get around 13% of return and excluding the inflation of 7%, your wealth still grows at 6% and SWR of 5% is fine. What is your thoughts on this?
I really do have a question. For someone with less than $5,000 to invest, how would you recommend we enter the market? I am looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What’s your take on this approach?
I've been trading by myself. I'm not really happy with what's going on, just few weeks ago I lost about $7,000 in a particular trade. Can you help me out or at least advise me on what to do?
I will advise you stop trading on your own if you keep losing. And i don't trade on my own anymore, I always required help and assistance from my personal financial advisor < Elizabeth Rose>
Pattu Saab, Congratulations 🎉 with Freedom Financial 😊 I have 2 Passive Incomes, I Save passive income Amount and invest in Gold Bullions 😊 I have an Active Income Job for Emergency Funds and for Monthly Expenses 😊 I live a Frugal lifestyle. I believe I need to work another 8 years then Retire 😊
Everything I know about personal finance I owe it to Pattu and freefincal But Pattu is not flashy enough for Wint Wealth’s TH-cam audience. And he isn’t flashy enough like the usual folks Wint interviews 😅
What changes should I make in my journey? I'm 36 and I been investing for 2.5 years and I only take out the minimum expenses I would need to complete the month rest goes in investments , 65% money market , 25 % equity . 10% in gold. I'm nearing 1cr by this year also have 2 months of expense in emergency fund as I don't want to break my investments in case I need money suddenly.
Whatever happens, one should be disciplined enough to invest their money. Anything left after expenses and some emergency fund should always be invested in market. The most comfortable way is SIP
Thanks to God almighty my whole family is healthy with me, I get to my dream college learnt my dream course and surrounded by the best people in the world and made clients like Google,apple, Adobe, Meta, Uber etc. learning something new something important and productive everyday built a humongous portfolio at Nasdaq, I be where I want to be with who I want to be , I love this world love everything about it. I love my work my friends who helps me everytime, love you. Bless them too God, Thanks that I'm able to help others who need it . ❤
Why people want to work their asses off while they are young, its like when we were young our parents used to tell us, you can play football all day after you start earning, now if we do that all we get is sunburn, frustration, fatigue and sickness, so value time and emotions over money. Once you get physically weak, mentally dry all your money will finance preventative measures against death, so focus on making things right today, enjoy today, and savings are emergency purpose only. There is no shame in depending on your children, if you don't restrict their childhood experiences for saving money, they will gladly take care of you, just don't make their life painful, be a nice person, money has little to do with happiness once you are out of poverty level, like age, extra money is just a number game.
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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.
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.
Mind if I ask you to recommend this particular coach you using their service?
Sonya lee Mitchell is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Thank you so much! This is exactly what I needed right now. I wrote her an email and am waiting for her reply. Hopefully, she responds soon. I plan to start the year on a strong financial note.
Imagine 10 years or 15 years ago, such quality information was not as easily available as it is today, we are really thankful to Pattu sir, telling us it is ok to be normal and build wealth in a boring way.
Thank you for your kind words and support! It's great to hear about your success with investing, and I wish you continued success on your journey towards financial freedom. Keep up the good work, and best of luck to you!
It is important for me to maintain my values and principles in everything I do. I believe in honesty and integrity and it is essential to me to uphold these values in all tasks and decisions. Thank you for your understanding.
I appreciate your understanding and support. It is important to me to uphold honesty and integrity in all aspects of my life. Thank you for respecting my principles.
Investments are the roots of financial security; the deeper they grow, the stronger your future will be."
The deeper your investment roots, the stronger your financial security will be in the future.
Exactly! With my adviser, I’ve cultivated deep investment roots, strengthening my financial security for the future.
I would love an introduction to an adviser who can help me strengthen my financial roots.
My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further.
Thank you for this amazing tip. I just looked the name up and wrote her.
Amazing content! I have been following your videos for sometime now, consistently kicking down Wall Street doors for two years now, I have over $320k in stocks. Currently, my portfolio is down by 15%. Wondering if they're any short term opportunities I can invest in.
I agree that there are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment experts or advisors with experience
Reason I decided to work closely with an brokerage-adviser ever since the market got really tensed and the pressure became so much(I should be retiring in 17months) so I've had an brokerage-adviser guide me through the chaos, its been 9months and counting and I've made approx. 650K net from all of my holdings.
Glad to have stumbled on this comment, Please who is the consultant that assist you and if you don't mind, how do I get in touch with them?
Elisse Laparche Ewing is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing
Interviewer has not asked the quality question, more home works needed, Pattu sir has great wisdom
Agreed... would suggest u watch lla's podcast with pattu sir...
@@89partho89 Can't find it on youtube, please share a link or the channel name please!
@@PankajDevarailet us get rich with pattu
Podcast series available in all platforms
Good observation, it was odd that immediately after buying a house expense he kind of compared having a child! May be he’s just starting and hope he can work on quick thinking and questioning with EQ.
his goal is to drive traffic to his website where he sells course
Pattu Sir ❤ - Only Personal finance person I follow! Gem of a Person!
Simple - Humble and Wealthy!
Thank you for your kind words and encouragement! I will definitely keep pushing forward with determination and focus on my investing goals. I appreciate your support and well wishes. Let's work towards our financial success together!
Thank you for the encouragement and support! I will definitely stay disciplined and focused on my goals. I believe that with dedication and hard work, I will achieve success in my financial journey. Your kind words mean a lot to me.
@@CarlaCosta-gf6noDo you have TH-cam channel sir
If you have to follow one person in your life for financial knowledge, it has to be Pattu Sir. So much clarity. Most important take home - Inaction hurts more than inflation. Start early and invest to the max possible. He didn't mention ULIPs as his biggest mistake. 😊
I believe investors should focus on under-the-radar stocks, especially given the present rollercoaster nature of the stock market. 35% of my $270,000 portfolio consists of collapsing stocks that were previously respected, and I don't know where to go from here.
Explore the option of engaging financial advisors, estate planners, or tax experts. Their specialized expertise can assist you in navigating intricate financial decisions.
Accurate asset allocation is crucial, and some individuals use hedging strategies or allocate part of their portfOlio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay finan-cially secure for over five years, yielding nearly $1 million in returns on invest-ments.
Pls can you leave the info of your Financial advisor here, I am really in need of one.
She goes by ‘Melissa Jean Talingdan’.’ I suggest you look her up. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
I just curiously searched her up, and I have sent her an email. I hope she gets back to me soon. Thank you
The OG Indian personal finance guy! Pattu Sir!!
Let's continue to stay focused on our goals and work diligently towards financial success. With determination and perseverance, we will overcome any challenges that come our way. Thank you for being a source of support and motivation, together we can achieve extraordinary things.
Today I reached 75 thousand. I'm really
grateful for all the knowledge and
information I've been given during
the last few months. I started with 7k in
January
Chat GPT has been the best open AI from my trading experience. Most human error and increasing the accuracy of trades only from Frederick Frost trading Signals.
The question is how to convert your salary into the investment funnel without double taxation. you pay taxes once it's earned, then buy stocks and get taxed again once you sell.
Want to invest over 300k on the stock market,
how do l achieve this?
If you're not who understands
strategies to invest, just invest through an advisor, making good profits, avoiding taxes
This is probably what I should do. Who do you advise I trade with, please?
Pattu Sir is the best online person to learn from. The insights that he shares is very deep and backed by a thorough research ! We see very flimsy finfulencers online, Pattabiraman Sir is exactly on the other side of that spectrum. His Blogs are a wealth of knowledge. Fan of this man !!!
Recently retired and unsure if my 401(k) and IRA will provide a stable future. i need an approach that will align with my risk tolerance and financial goals, i set aside $1m to achieve this. Do you suggest i get into stocks or buy a rental property?
Look up dividend aristocrats. Pick six to ten from that list. Those companies have a track record of 25+ years of paying dividends. Also, its advisable you work with a financial advisor to help set up a well-structured portfolio.
I agree. Based on personal experience working with a financial advisor, I currently have $2 million in a well-diversified portfolio that has experienced exponential growth from when i started. It's not only about having money to invest, but you also need to be knowledgeable, persistent, and have strong hands to back it up.
Your advisor must be really good. How I can get in touch? My retirement portfolio's decline is a concern, and I could use some guidance.
Rebecca Nassar Dunne is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Thank you so much, this is exactly what I needed right now. I wrote her an email and am waiting for her reply. Hopefully, she responds soon.
I am indebted to this genius, Legend called Pattu sir. Following him since 2019 he is a legend when it comes to personal finance. Thanks to Wint Wealth team for bringing him on board.
of all "finfluencers" i have seen or read or heard - Pattu sir stands out
He's the OG influencer. Rest are finfluenza, a disease that'll kill many youngsters' financial dreams.😅
Patto has definitely changed the way for me to analyse personal finance with models instead of advice/recommendation.
Thank you for bringing Pattu Sir on this channel. Reading his blogs for years and learned my first personal finance lessons from his blog only. Most practical lessons, his way of handling finance is very relatable for common people like us and he is truly humble and honest. The OG personal finance Guru in true sense.
All my goal planning and investing started because of his blogs.. trust me his blog is a goldmine for diy investing.. A must for all youngsters..
Pattu sir! My finance Guru. Literally I learned basics of investing , FIRE through his videos for past 4 years. I am near my FIRE goal after 4 years of dedicated focus on personal finance.
Where to follow him?
@@meenalpravin freefincal youtube channel
Follow him @ freefincal@@meenalpravin
@@meenalpravin free fincal website/blog
Everyone is telling the newbs what they should do right now
as they enter the market. They need to know what not to do
as well. I made my last market mistakes and this is all Core
Alpha. Time in the market. always beats timing the market.
Keep it real Cep!
Thanks for sharing this here. A lot of beginners Like me
are smashed out there every day. It's a good thing we
have nice people here who want others to become
successful as they are.
What I appreciate about Corina Michelle is her ability to tailor
strategies to individual needs. She recognizes that each
investor has unique gools and risk tolerances, and she adapts
her advice accordingly.
Let's stay committed and motivated on this journey towards financial success. Thank you for your support and encouragement, we can achieve great things together!
All word of his is Gold.. his clarity is pleasure ..
He’s right. Only quick way to retire early is to increase your income. Never heard of the guy, will research his work further. Really good vid, wint wealth!
This is very little to hear from Pattu sir's ocean of wisdom. We definitely need part 2 !
Amazing content! I have been following your videos for sometime now, consistently kicking down Wall Street doors for two years now, I have over $320k in stocks. Currently, my portfolio is down by 15%. Wondering if they're any short term opportunities I can invest in.
I agree that there are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment experts or advisors with experience.
I stopped listening and taking financial advise from these TH-camrs, because at the end of the day, I end up with a bunch of confusing stocks without knowing when to take profit, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
Glad to have stumbled on this comment, Please who is the consultant that assist you and if you don't mind, how do I get in touch with them?
Elisse Laparche Ewing is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
This was one of the best episodes man! And the last line made me so comfortable! Its absolutely possible to build wealth in a BORING way. Need not do trading, etc. Just do the normal things & keep your expenses low. Beautiful episode with no fancy stuff. Just real life conversations & lessons on money. Perfect!
His voice is amazing. A Teacher. Stay blessed
The Guru of Personal Finance - straight to the point!
Pattu's retirement calculators are hosted on BSE website. His analysis of mutual funds is great. Respect!
Pattabhiraman he has very good clarity and the explanation is very simple everyone can understand it.
Very rightly said: Frugality can't be taught, either you have it or not.
I came to know him first time from LLA. That time I have been been following him in TH-cam and articles.
Great advice Dr. Pattu, and simplified approach.
Was expecting Dr. Rama Neelamegham madam to be present in this video, usually wint wealth does it that way.
Subramoney, freefincal, Asan ideas for wealth are the OG in india personal finance
OG means?
Basant Maheswari ❤
Original Gangster meaning they are pioneers in that field@@tradingtips396
@@tradingtips396 OG means original / Original Greatest of all time
People who are able to retire early are lucky . I have 5 years till 65 and need to look at calling it quits, my only fear is running out of funds much later, thus keen on investing. What could be the safest possible ways to invest for cashflow, in order to afford lifestyle after retirement?
consider investment planning, learning from a well experienced advisor is invaluable
That's right. I am a wife, mother of four and new grandmother, 28 years in Corporate America, retired recently at 57 after discovering the freedom investing could provide, been contributing to my portfolio since the pandemic in early 2020, and have grown a $250,000 savings account to almost 1 million, credits to my investment advisor.
@@mariaguerrero08who is your advisor please, if you don't mind me asking?
'Gertrude Margaret Quinto' maintains an online presence. Just make a simple search for her name online.
She appears to be well-educated and well-read. I ran a Google search for her name and came across her website; thank you for sharing.
He makes total sense and this example works for what majority of the people are in today.
Pattu Sir 😊 Finally here. Good job Wint Wealth for bringing his interview here..
*Well explained. Thank you for bringing up this video. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject! Thanks to Luna Cox the lady you recommended*
Everyone needs a different stream of income, such as where one can invest some parts of his or her monthly income.
I had no luck in digital assets, I actually invested myself but profits aren't as expected,,,
Not surprised you mentioned her, Luna Cox just so good and her professional strategies are really mind blowing.
Luna was interviewed on CNBC Television. You can use something else, for me the strategy works hence my result. She provides entry and exit points for the securities I focus on.
Is there anywhere I can get across this woman for a startup???
Recently bought some recommended stocks and now they are just penny stocks. There seems to be more negative portfolios in the last 3rd half of 2023 with markets tumbling, soaring inflation, and banks going out of business. My concern is how can the rapid interest-rate hike be of favor to a value investor, or is it better avoiding stocks for a while?
Just "buy the dip". In the long term it will payoff. High interest rates usually mean lower stock prices, however investors should be cautious of the bull run, its best you connect with a well-qualified adviser to meet your growth goals and avoid blunder
The truth is that this is really not as difficult as many people presume it to be. It requires a certain level of diligence, no doubt, which is something ordinary investors lack, and so a financial advisor often comes in very handy. My friend just pulled in more than $84k last month alone from his investment with his advisor. That is how people are able to make such huge profits in the market
nice! once you hit a big milestone, the next comes easier.. who is your advisor please, if you don't mind me asking?
She's Sophia Elaine. One of the finest portfolio managers in the field.
she's mostly on Telegrams, using the verified user name.
So happy to see my favourite finance guru on my favourite channel 😊
6:30 Totally agreed . I am doing it since 4 years specially coz I started pretty late( mid 30s)
Amidst in the world, Wint Wealth is such a precious gem to all viewers🎉 We are gaining many new insights from top notch professionals👍
I began my investment journey at the age of 33, primarily through hard work and dedication. Now at the age of 58, I am thrilled to share that my passive income exceeded $100k in a single month for the first time. This success reinforces the importance of the advice mentioned earlier. It is not about achieving quick wealth, but rather ensuring long-term financial prosperity.
Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.
I agree, having a brokerage advisor for investing is genius! Amidst the financial crisis in 2008, I was really having investing nightmare prior touching base with a advisor. In a nutshell, i've accrued over $2m with the help of my advisor from an initial $350k investment.
*@disney-hefner* That does make a lot of sense, unlike us, you seem to have the Market figured out. Who is this consultant?
"Gertrude Margaret Quinto" is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment
Insightful... I was curious about her, so I looked her up online. I discovered her website, and I must say that she seems knowledgeable. I sent her an email outlining my goals. I appreciate you sharing.
I’d be retiring or working less in 8 years, and considering this financial recession, I’m deciding to begin taking up skilled trades. I’m curious to know best how people spilt their pay, how much of it goes into savings, spendings or investments, I earn about $140k per year but nothing to show for it yet.
You should contribute to your retirement diligently, or better still look into financial planning don’t come to TH-cam for advise, consult a financial firm about your situation
Very true, I find myself lucky enough exposed to money management at an early age. Worked full time when I was 19, purchased first home at 28, fast forward time…. I’m 65 now, got laid off March 2020 amidst lockdown, a blessing in disguise. At once I consulted an advisory firm to match me with a planner to stay afloat and with subsequent investments, I’m only 15% short of $1m as of today.
As we witness the current economic landscape, it's becoming increasingly clear that we're entering a recession. These times can pose significant financial challenges.
This is huge, would love to grow my reserve regardless of the economy situation, my 401k has lost accrued since early 2019, at this point, I’m in need of guidance
you can Google the firm for yourself
Pabi Raman's inspiring journey underscores the critical importance of perseverance and financial literacy in achieving financial independence. His approach of staying invested through market lows to reap benefits during highs is a valuable lesson for anyone aiming to secure their financial future 🌟.
I agree with everything except "have one child without thinking about finances". Even one child can be extremely expensive. Nowadays the cost of living relative to salaries is much higher than it used to be.
Is absolutely fine to build wealth in boring way... ❤❤❤
Early retirement is subjective. I love my work so want to work till I am unable to do so. Investing will be my side kick.
Then you're lucky, this is a blessing. Many people absolutely hate their jobs.
He is good person. I can see it in his eyes
I wish I knew about Pattu Sir at least 5 years ago
Thanks for having the Professor.
FIRE for me is that get financial independence (save corpus per your formula or multiples of expenses) and retire early happens automatically because work for money is optional so one can work at the same job or a different job or anything else including nothing!
F.I.R.E should be financial independence recreationally employed.
@@sarangkulkarni7034😅👍
I didn't know he started freefincal, love the blogs
This episode was so much better than the wells fargo guy who wanted to buy a bmw suv at any cost 😂
In 2024,don't set new year financial goals without consulting a financial adviser.there expertise ensure a solid plan for success.Building wealth involves developing good habits like regular putting money away in intervals for solid investments.
Thanks for the advice! I'm new to financial planning and wasn't sure where to start.Any tips on finding a reliable financial adviser or resource to guide beginners?
I agree, based on personal experience working with an investment advisor, I currently have $650k in a well diversified portfolio, that has experienced exponential growth. It is not about having money to invest in stocks,but also you need to be knowledgeable, persistent,and have strong hands to back it up.
How can I participate in this?I sincerely aspire to establish a secure financial future and am eager to participate.who is the driving force behind your success?.
Marie Ann Treloar
She has been my counselor and coach.
"hi, i am pattu from freefincal" -- my favourite quote❤🎉
Gem of person.. Pattu..
But interview questions are not useful.. lets have one more interview with someone senior taking interview..
Please watch "Let's get rich with Pattu". Superb series.
Thanks mate@@ravirajsudha8228
Nice guy, very humble. Loved his philosophy
Thank you so much sir for sharing such valuable lessons. Being disciplined investor is the key to attain financial independence.
I used to follow pattu sir’s TH-cam channel..
Real humble man, who is real wealthy person is Pattu sir.
definitely the convsersation is of great quality....but is no one going to talk about how beautiful the house is? That's like a dream house purely Indian classical style man.
One of the best episodes so far!
Finally our favorite pattu sir is here ❤
Thank you so much for this video. Pattu sir is amazing. Simplicity and wisdom at 'VERA' level 😊. I have watched almost all his videos @freefincal. Extremely insightful and very simple to understand. Thank you Pattu sir 🙏.
Inspirational video. Kudos to Professor and the wint wealth channel
Best comeback episode ❤
The stock market and Crypto investment is a way to protect against inflation. Particularly in the midst of a recession, investors must understand where and how to allocate funds to protect against inflation and still make profits.
In my opinion, the impact of the rise or fall of the US dollar on investments is multifaceted, but learning how to grow your money has never been easier than now that you can passively explore and experience a truly diverse market by using an advisor. director portfolio.
Who do you trade with? Could you guide me on how to get in touch with your advisor? My funds are being eroded by inflation, and I'm seeking a more lucrative investment strategy to effectively utilize them.
I trade with expert Linda Sue Baier, he's been my mentor and manager and under his advisory I make good trade income.
Do your homework and choose one that has strategies to help your portfolio grow steadily and steadily. "Linda Sue Baier" is responsible for the success of my portfolio and I believe she has the qualifications and experience to achieve her objectives.
The first step to successful investing is determining your goals and risk tolerance with the help of a financial professional like Linda Sue Baier. She is among the best experts and her qualifications speak highly of her. It is highly recommended that you make her your advisor this 2024 to build your portfolio.
Wint wealth presents always genuine person 👍
Pattu - A humble person whom I ever seen for the knowledge and exposure he has. I am proud to say that I live in the same city where he is but dint get a chance to meet him. I love his simple way of investing style and explaining the things in language which is clear to evreyone.
I am an assistant professor of physics and exactly the same thing happened to me. Even before I receive my first salary cheque, my father was diagnosed with multiple myeloma. We didn't have any insurance and I felt exactly what the professor went through.
Only in IIT, you can call your professor Pattu and go unscathed!!! Don't try outside.
Everybody: Retire at age of 40,50,60. With 10,20,50 Cr of wealth. Passive income of 1,2,5 Lakhs
Me: Retire at 30 with 60L of wealth and passive income of 25K 😂😂😂
I live in a tier 3 city where the cost of living is pretty much low and 25K of monthly active income is luxury. I don't know is this the right time or amount for retirement. Can anyone share their thoughts?
25k per month from a corpus of 60L is a greater withdrawal rate than 4%.. for a much longer retirement period if you're 30. What are your assumptions for such a high SWR? In contrast, Pattu sir recommends an SWR of 0-1%.
@@nemishasharma5737Thanks for sharing your thoughts. My target has changed to 1Cr and SWR at 5%. Of which 2.5% is for my household use and 2.5% will be donated to the poor. Regards such high expectation (which is actually not), if you are invested in simple stock investment option like index fund, you will get around 13% of return and excluding the inflation of 7%, your wealth still grows at 6% and SWR of 5% is fine.
What is your thoughts on this?
I really do have a question. For someone with less than $5,000 to invest, how would you recommend we enter the market? I am looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What’s your take on this approach?
I've been trading by myself. I'm not really happy with what's going on, just few weeks ago I lost about $7,000 in a particular trade. Can you help me out or at least advise me on what to do?
I will advise you stop trading on your own if you keep losing. And i don't trade on my own anymore, I always required help and assistance from my personal financial advisor < Elizabeth Rose>
YES!!! That's exactly her name Elizabeth Rose so many people have recommended highly about her and am just starting with her from Brisbane Australia🇭🇲
Legend says "If you don't find a way to make money while you sleep, you are fated to die working" and it turned out to be true.
This sounds so good and I would like to be a party to this, is there any way I can speak with her?
Very honest interview. Thanks pattu sir.
Very simple and insightful. Thank you so much Sir.
Keep up with the good work wint wealth
This is an insightful interview. The questions are very relevant and precise. Also Pattu Sir answers in the most simple worded and genuine way.
Wow, he gave really great insight . I liked the fact that he said that focus on income and invest like a machine ..
Pattu Saab,
Congratulations 🎉 with Freedom Financial 😊
I have 2 Passive Incomes, I Save passive income Amount and invest in Gold Bullions 😊
I have an Active Income Job for Emergency Funds and for Monthly Expenses 😊
I live a Frugal lifestyle. I believe I need to work another 8 years then Retire 😊
The Guru, teacher I always yearned for....and thanks to Internet I got it.....❤
Awesome episode!!
Just one suggestion - Please don't keep changing the background. It is very unpleasant for the eyes. It is difficult to focus.
Everything I know about personal finance I owe it to Pattu and freefincal
But Pattu is not flashy enough for Wint Wealth’s TH-cam audience. And he isn’t flashy enough like the usual folks Wint interviews 😅
Great to see Mr. Pattu in this episode. But why is the interviewer so scared...
What changes should I make in my journey? I'm 36 and I been investing for 2.5 years and I only take out the minimum expenses I would need to complete the month rest goes in investments , 65% money market , 25 % equity . 10% in gold. I'm nearing 1cr by this year also have 2 months of expense in emergency fund as I don't want to break my investments in case I need money suddenly.
In 2 years investment nearly 2 crores how much invested sir
Focus on your income
Reduce your expenses
Invest like a machine
Very informative and invaluable 💎
Pattu sir , Clear and Crisp
Host interrupted pattu sir flow.. And he was just concerned about prepared questions
Whatever happens, one should be disciplined enough to invest their money. Anything left after expenses and some emergency fund should always be invested in market. The most comfortable way is SIP
Tamil brahmins are brilliant guys..!! I salute you pattu sir..!!
People who want to retire early because they hate their job have got it all wrong!!!
What's the correct perspective then?
No matter how much you try to love your job you just can't
No matter how much you try to love your job you just can't
Where was this interview made? The background is awesome!
I watch pattu sir's TH-cam channel
Thanks to God almighty my whole family is healthy with me, I get to my dream college learnt my dream course and surrounded by the best people in the world and made clients like Google,apple, Adobe, Meta, Uber etc. learning something new something important and productive everyday built a humongous portfolio at Nasdaq, I be where I want to be with who I want to be ,
I love this world love everything about it. I love my work my friends who helps me everytime, love you. Bless them too God,
Thanks that I'm able to help others who need it . ❤
Biggest takeaway was that “you can build wealth in a boring way also” 🎉
Thanks a lot for this wonderful video 🤩
Why people want to work their asses off while they are young, its like when we were young our parents used to tell us, you can play football all day after you start earning, now if we do that all we get is sunburn, frustration, fatigue and sickness, so value time and emotions over money. Once you get physically weak, mentally dry all your money will finance preventative measures against death, so focus on making things right today, enjoy today, and savings are emergency purpose only. There is no shame in depending on your children, if you don't restrict their childhood experiences for saving money, they will gladly take care of you, just don't make their life painful, be a nice person, money has little to do with happiness once you are out of poverty level, like age, extra money is just a number game.
In corporates, 45 is the retirement age, there is no retiring early for most. This is financial porn
I am 32 and already saved up 1.2 cr
Last few words are the gem
Good episode. Keep the good work going ! Thanks. ☺️👍👌