In this video, Manoj Arora shares his wisdom on Financial Independence and why he took retirement. If you want to be featured on Wint Wealth too, fill out this form: forms.gle/iuUgM7fyGTfUUiVE9
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.
Guys, Do not leave your job just because u have enough corpus. Find something which u will do after your Job and then leave it. If you dont work after ur Job, ur fitness, mental health and relationship may get spoil.
if we feel we may get better life without job then might quit,but question is that without job our day to day life with discipline somehow it may not be possible
Wint wealth ..please take my requests below; 1. Get a guest who was well off, lost most of it or all of it and bounced back 2. Get a guest who managed much passive income with little money.. not especially corporates but others like teachers, accountants, small farmers etc 3 Get on board a guest who manages multiple small sources of income and managing it efficiently.
Despite watching several trading videos, I haven't found practical advice that resonates with me. Can you kindly suggest a reputable trading coach who can effectively guide me through the process?
You're right. Investing with a professional is crucial especially the newbie that has none of investment ideas. I suggest you contact Isabella Mason's, for all kinds of investments suggestions.
I'm so grateful to have discovered Isabella Mason! My husband and I were on the brink of homelessness until he stumbled upon her contact information on TH-cam. Her guidance and support have been a game-changer for our family. We can't thank her enough for the positive impact she's had on our lives. She's truly a blessing!
@@a6hiji7That is the perception need to change. Retirement is not from the work but from the job a person is doing unwillingly just for money. Ultimate goal is to quit the rat race, achieve financial freedom and do the work in life which you always wanted.
They worked hard. They are telling you what you can do instead of the rat race.. so if you don’t want to do that you can choose to continue your own rat race.
He is quite a toxic person full of hateful and biased views going by his comments on X ( twitter) and his ‘freedom’ has resulted in posting 50 such comments every day !😅
People who are partially homeless and live in automobiles in the United States are the outcome of a complicated web of interrelated events. This problem is fuelled by income inequality, stagnating wages, and high housing expenses in relation to income. The situation is further sustained by systemic issues and insufficient legislation, but other factors that contribute include medical costs, evictions, job loss, a lack of affordable housing, and a lack of social support.
Considering the present situation, diversifying by shifting investments from real estate to financial markets or gold is recommended, despite potential future home price drops. Given prevailing mortgage rates and economic uncertainty, this move is prudent, particularly due to stricter mortgage regulations. Seeking advice from a knowledgeable independent financial advisor is advisable for those seeking guidance.
I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.
I appreciate the implementation of ideas and strategies that result to unmeasurable progress. Being heavily liquid, I'd rather not reinvent the wheel, thus the search for a reputable advisor, mind sharing info of this person guiding you please?
The most sorted video I have watched on FIRE. So much clarity! I can so relate to his journey, and what he wanted to pursue after being financially free(writing books, amongst others).
This is best episode. Every one has push factor he explained but no courage to take decision he took. I am in same position. But dont have any passive income. Just assets that yield no monthly income😮.
Financial planning is like navigation. If you know where you are and where you want to go, navigation isn't such a great problem. It's when you don't know the two points that it's difficult.
Hello, I am very interested. As you know, there are tons of investments out there and without solid knowledge, I can't decide what is best. Can you explain further how you invest and earn?
Same, I operate a wide- range of Investments with help from My Financial Adviser. My advice is to get a professional who will help you, plan and enhance your management skills. For the record, working with Jeff Clark, has been an amazing experience.
I'm favoured, $4,000 every week! I can now give back to the locals in my community and also support God's work and the church. God bless America,, all thanks to Mr Jeff Clark
I am 38, in US(for almost 15 yrs now) moved right after my B. Tech degree, been investing in US market all these days.. planning to come home after 2 years and become FI by investing in Indian Market, Hoping for the best.
@@KunalMagar23 that's the reason i want to retire right? because i don't need a corporate job after 40. you did not get the point, i didn't say i did not enjoy in US .. just want to come back home and not work on regular 9-5. i love travelling.. already covered north and south America.
@@ShivamGupta-wf5ni agreed to an extent but life has no meaning if you live in a foreign country after certain point and age. Janma Bhoomi for a reason.
I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Katherine Stewart.
This guy is ⭐. He didn't say anything new but the message he revised about finance, life, philosophy, ngo, family, retirement in such a calm and clear way just loved listing to it❤
Did lots of backtesting and found that 20% SCHD/DGRO, 20% VGT/QQQ/SCHG, 20% VOO, and 40% bonds, or 4%+ money market, match the growth of SP500 in up years but reduce the losses in down years by 40-60%. I'm still looking for companies to make additions to my $350K portfolio to boost performance. Here for ideas.
I would avoid index funds, mutual funds, and specific stocks for the time being. Right now, the best option is a fixed income of five percent. Put money aside for the times when the market really starts to bounce back. most importantly consider financial advisory for informed buying and selling decisions.
Hey, I'm trying to find a certified one to boost my investments/portfolio, but it's tough online. Can I get a rec from you, since you know about this stuff?
Caroline Suzan Olson is the adviser I use, and I'm just putting this out here because you asked. You can just search the name. You'd find necessary details to work with to set up an appointment.
I invest the same way. You are considered an "Income Investor". We make money two ways. Through monthly/quarter dividend payments; instant passive income. Readily available to reinvest and/or personal use. And the profitable sell of most of our DCA securities. Are we on the same page here?
Very much appreciated. I just searched Caroline Suzan Olson on the internet, spotted her consulting page ranked top, and was able to schedule a call session. I've seen commentaries about advisors, but not one looks this phenomenal.
@@ManojArora thanks. Yeah the new found discipline towards investments is great and watching the numbers do give a dopamine rush of sorts 😁 Targeting 2028 to achieve FI & RE by 2029/2030 when I turn 45/46
Even i started at the age of 40....now I am 48...have a reasonable corpus. But had i started around 30..... I would have had atleast 3X of my current corpus. Lesson to all of you please start early. Because corporate life is going to burn you very quickly. So earlier you start...earlier you will achieve freedom
1000th day of wondering why these videos are free! Well put, straight to the point. So many insights for myself and to share in my network. Thanks again Wint!
Not everything should be monetized (& great job Wint Wealth for keeping these free). Its videos like these that help and give perspective to common people about FI/RE
My grandfather has more than 15Cr , but he is still working instead of enjoying, but his happiness in earning money so I don't force him to leave the business.
@oindrilaniogi7568 nhi jb apne us jagah hote h to pta lgta h , unhone jawani se ise apne bche ki tarah pala h to unka man nhi krta ise chhodne ka.. M koshish krta hu unko ghumane lekr jau... Lekin free baith ke bhi kuch din acha lgta h fir nhi ..
Good interview, very relevant one. But if you withdraw 4% from debt investment that yields 8% per year, your corpus is infact going down after considering inflation.
the video editing and motion fx team is doing a phenomenol job in explain the intricate details of the video, just notice how thye have skillfully explained fhe SWPs meaning with icins in backdrop keeping the relevance of the topic structure by structure , loved the video as always ❤️
All wint wealth have simple theme , 1.Get into gov job early , make a lot of money , retire . Someone thats well educated , well off get into tech early --> make lot of money abroad --> retire . I think people born poor , to uneducated parents , those who did have money or connections to get into good companies and college is not represented.
I am 37, and really it's a struggle to spend each day in job 😢.. I want to do things I like more such as spending time with kids, playing cricket, travel more within India and a small business that will just be sufficient and there is no corporate kichkich and pushing around or the daily stress related to it.
I would consider some structured financial products, such as Snowball, which can provide better income opportunities in market fluctuations. Snowball can not only make profits when the market rises, but also bring income through reasonable settings when the market falls, and some products also provide capital protection mechanisms, so that you can control risks while pursuing growth.
I think financially independent and retirement are two different things. First to get financially independent you need to have goals and discipline which I don't have. Secondly, we need to have some sort of guidance (if not good with calculations) on fund allocations and how much do we need to invest to get financially independence which again I don't know. Wish me good luck guys! 😄
My father has 3 crore rupees with 2 paid off homes collecting 10k rent per month in a tier-3 city. He is 70 and still working as a self employed person. I’m in USA making over 7 lakhs per month. Our family net worth is over 10 crores. As a household, we save over 3 lakhs per month excluding the returns from our net worth (stocks, bonds, FDs etc) I am not planning to retire anytime soon. Guys, Earn more money and equally save more money. Money gives you freedom and you can say SHUT THE F**K UP without even thinking about the consequences..
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $2m+ before retirement..
I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $200k passively by just investing through an advisor, and I don't have to do much work. Inflation or no inflation, my finances remain secure. So I really don't blame people who panic.
As a newbie investor, it’s essential for you to have a mentor to keep you accountable. Ruth Ann Tsakonas is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Ruth Ann Tsakonas, for her expertise and exposure to different areas of the market.
Without a doubt! Ruth Ann Tsakonas is a trader who goes above and beyond. she has an exceptional skill for analyzing market movements and spotting profitable opportunities. Her strategies are meticulously crafted based on thorough research and years of practical experience.
how would you recommend i enter the crypto market? I am also looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What's your take on this approach? and How can i reach her, if you don't mind me asking?
Fantastic video! Please I have incurred so much losses trading Forex on my own.... I trade well on demo but I think the real market is manipulated.... Can anyone help me out or at least tell me what I'm doing wrong??
Investing with an expert is the best strategy for beginners and busy investors, as most failures and losses in investment usually happen when you invest without proper guidance. I'm speaking from experience
Wonderful insight into the financial freedom journey which as emphasised is 'so easy' and is solely based on the strong foundation of being DISCIPLINED. Mr. Manoj has a PURPOSE in life and that fuels the journey of life. Feeling enlightened after watching this interaction. Thanks for sharing valuable information..
One thing you forget to ask is what happened to equities in corona? When nifty halved obviously equities also halved so how he managed during those times? Debt I get is okay
Kindly don’t mislead with thumbnails .. 2.5 cr in 2015 which is almost 8+ cr in 2024… good interview , but give a clear thumbnail .. you don’t need to fish people .. we know what to expect from your videos and we r here to see those interviews 😊
Great interview and motivation for people who are starting and people who are doubting to make that jump! Irrespective of goals one must start to work on their financial independence and reach retire early which only means that working for money is optional so one can work the same job, something else, or nothing at all! You get time!
Man, this guy on twitter (x) and guy in the interview is completely different. Hope he continues to advocate investing and asset allocation rather than being political in views on x.
Equity wont give 12 percentage every year. He is saying around 4 crore to make 2 lakhs per month. Which is normal for 7 percentage interest through bank fd. Nothing special here
What is this madness about retirement. Most people in 30s think that 40 or 50 is a ripe old age , ready to retire. If financial freedom had been the only reason people work for, then the ones like SRK, Dhoni, Messi , Would have long retired. The list goes on of course. So desire to be able to work at 70 or 80. Don’t hope for retirement. Be careful what you wish for. The great Big B is still working. 😮
The persons you gave as examples are those NOT WORKING FOR OTHERS. There is a difference when you work on others terms and when you work on your own terms. I shall recommend you the podcasts of Morgan Housel who wrote the book psychology of money to better understand this. Well Warren Buffet is still working in his 90 s, He doesn't have a bose to work under ,he is the bose So is SRK , BigB, Messi Financial independence gives you that freedom. Hope you understood
they love what they do.. Most of the people hate working in corporate jobs and only do to porvide for family… people wanna be financially independent to do whatever they like and not essentially retire big difference
Retirement and Achieving Financial Freedom are two different pursuits! Priority should be achieving Financial Freedom which opens up new opportunities.. quit that shit job or leave a toxic workplace or get motivated to work what you’re passionate about.. Stress and all is superficial!
@Change_makers_ oh yes. Financial security should be the motto. If that allows one to be creative and pursue one's passion ,then there is nothing like it. But the word retirement is big misnomer in these situations. Work gives a certain sense of identity, recognition and sense of being. But it may not be possible to switch jobs entirely. In those situations some kind of hybrid arrangements can be done till one gets foothold for a total switch over to a field of passion
The difference is that they work where their passion lies and we work for paycheck only. And so we obviously want to come out of this rat race and have some quality time spending with our dear ones, fulfilling our wish lists in life. And of course we need financial security or freedom.
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.
Effective personal finance management is more important than the amount of money saved, regardless of whether income is earned through job or investment. Individuals can seek counsel from a certified financial advisor to optimize financial outcomes, who can provide specialized advice and methods to decrease expenses and maximize income.
@@SophieDubois-m8d I completely agree; 1 am 60 years old, recently retired, and have approximately over million dollars in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, the Fin-advisor can only be neglect not rejected. Just do your due diligence to identify a fiduciary one.
@@MarieWentworth-p2h I think this is something I should do, but l've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you've got it all worked out with the firm you work with so i surely wouldn't mind a recommendation.
@@DanielWilson-u4w I definitely share your sentiment about these firms. Finding financial advisors like Zoe Ann Wiest who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
@@MarieWentworth-p2h I greatly appreciate it. I'm fortunate to have come upon your message because investing greatly fascinates me. I'll look Zoe up and send her a message. You've truly motivated me. God's blessings on you.
I QUIT IT JOB AT AGE OF 38 EARLY RETIREMENT BUT MY PASSION IS STOCK MARKET AND THIS IS FOR LIFETIME... SO I AM MY OWN BOSS AND NOT DEPENDENT ON JOB AS WELL AS PEACEFUL LIFE AND GO AROUND ENJOY THE GLOBE.. PS : I TREAT STOCK MARKET AS FULL TIME JOB AND ITS MY PASSION. I FEEL BORE ON WEEKENDS AND HOPE FOR MONDAY WHICH IS QUIET OPPOSITE IN JOBS..
I took vrs 6 yrs bck and it was very tough initial 4 yrs but now am very busy with various routines and running errands that i hardly find time.... I love nature too much and physical fitness and healthy home cooked food 99. 99 % times and drives my family on similar lines.... Now i am settled on the other side very well and would not persue chase any active income rest of my life, not even consultancy.
Your videos are fantastic! I’m a regular viewer and have been really enjoying your content. I’m interested in investing but haven’t found the right opportunity yet. There’s been a lot of buzz about cryptocurrency lately, especially with discussions about a potential bull run, particularly if Donald Trump becomes the next U.S. president. I would greatly appreciate any guidance you could provide on this. Thank you!
Yes, there has been a lot of talk about investing lately but I am new and want to know where to start. Can someone explain to me how to invest and get started?
In my opinion, investing is not about getting rich but rather about achieving financial independence. To become a professional investor, you need a financial advisor. I have succeeded by following the instructions of my financial advisor. I have no regrets so far.
Awesome, you have such amazing information. Can you share more details on how to contact your financial advisor? As I said, I am very interested and if I can get help here, I will start immediately.
Anything that stops ....FALLS ... PLANETS....SOLAR SYSTEM ...UNIVERSE ...KEEP ORBITTING...SO WHEN YOU RETIRE, MAKE SURE THAT YOU HAVE SOMETHING THAT KEEPS YOU MOVING
As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?.
If you are thinking of investing in the stock market and you are not well versed, its advisable to work with a financial advisor who is an expert to guide you through the process. this way you could make more profit with less risk
Factos!! Working with a financial advisor has been a game-changer for me. They provided invaluable insights and tailored strategies that aligned perfectly with my risk tolerance and financial objectives. With their support, I've seen significant growth in my investments and gained confidence in my financial future.
That makes sense. I’ve been using a financial market expert for two years now and I own a six-figure diversified portfolio from investing in stocks. I want to diversify more this year, though.
Hello Im 22 yr old and have a salary of 30k with debt of 4 lakhs Someone please tell me how to be financially free out of debts and provide some financial advice. Thank you
Snowball your debt. Start with smallest debt. Make extra money to that debt. Once finished use that extra money to kill the next bigger debt. If you can maintain the discipline for next five years. You will be debt free. Make sure to build your savings atleast Rs 500 per month. You will surprised after 5 years.
Start saving money Even it's 1000 also Invest in SIP , Since your age is low You choose small cap fund having more than 10 years old, Then you can create the mindset of savings followed by increasing the amount.. This is the way you can create the wealth by 40 years
What is the best way to build fixed income portfolio? The FD in India is insured until 5L per person. Corporate bonds appears to be risky and not so beneficial to investors for the risk involved. What is the safest way/s to park this corpus?
@@sarvagyasurawat2605 Gold is a commodity. It doesn't generate any income; it just appreciates in value, at least for now. Also, the cost associated with buying, holding, insuring, and selling physical Gold doesn't make it a great choice for me personally. The cost of physically backed Gold ETFs is astronomically high. FDs are solid instruments, with reasonable 6-7% returns. Parking a large sum in a single FD for considerable returns isn't worth the risk when only 5L is insured. I need something simple, safe, and conservative.
If you have to take 1 thing from the video, the guy who probably has 12-15 Cr and financially independent is still wearing few years old 20$ mi band. He doesn’t need fancy apple or google watches to show off. I bet he would still be driving his 10 years old Maruti or Honda
It's just systematic withdrawal plan. The opposite of SIP (systematic investment plan). In an SIP you put money into the market every month. Maybe you invest 20k every month. In SWP you take money out of the market every month. So maybe you withdraw 20k from your corpus every month.
![Is There a Formula for Financial Independence? [Asking The Expert]](http://i.ytimg.com/vi/L3mX36og08U/mqdefault.jpg)
![Retired & Travelling in Their 70s? [Living on Passive Income]](http://i.ytimg.com/vi/HxZ-6UQI6sg/mqdefault.jpg)
In this video, Manoj Arora shares his wisdom on Financial Independence and why he took retirement.
If you want to be featured on Wint Wealth too, fill out this form: forms.gle/iuUgM7fyGTfUUiVE9
Just as seeds need time to grow into trees, investments need time to grow into wealth.
Patience is key in investing, just as it is in gardening. Watch your wealth grow over time!
Indeed Patience is key, With my adviser’s insights, I’ve learned to wait for the right opportunities, which has boosted my returns.
Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.
Nicole Anastasia Plumlee can't divulge much. Most likely, the internet should have her basic info, you can research if you like.
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.
Guys, Do not leave your job just because u have enough corpus. Find something which u will do after your Job and then leave it. If you dont work after ur Job, ur fitness, mental health and relationship may get spoil.
Agree with your words 👍🏼
Yes I agree
if we feel we may get better life without job then might quit,but question is that without job our day to day life with discipline somehow it may not be possible
Agree. Can’t keep asking for tea. Wife cribs :) Hungerbox is better :)
@@rohitssharma9552 agree , you must plan something to do after retirement, because khali dimag shitan ka Ghar hota hey
The finest so far. He explained his philosophy without any complications.
Your tree planting venture is superb and so unnecessary ! Very insightful talk on money !
Wint wealth ..please take my requests below;
1. Get a guest who was well off, lost most of it or all of it and bounced back
2. Get a guest who managed much passive income with little money.. not especially corporates but others like teachers, accountants, small farmers etc
3 Get on board a guest who manages multiple small sources of income and managing it efficiently.
I believe I will be that guest after 15 years from now
4. Also best financial or investment decisions done by random people that worked for them due to right time/place/type
small farmers have wealth?
Excellent suggestions 🎉
Excellent suggestions 🎉
Manoj Arora is gem 💎. He is selflessly working on environment protection
A very sweet person. Humble, wise, and very calming personality. A great inspirational for me to look upto. Thanks wint wealth.
Despite watching several trading videos, I haven't found practical advice that resonates with me. Can you kindly suggest a reputable trading coach who can effectively guide me through the process?
It's advisible to seek for a reputable financial advisors before getting yourself involved in any investment decisions to avoid losing your assets.
You're right. Investing with a professional is crucial especially the newbie that has none of investment ideas. I suggest you contact Isabella Mason's, for all kinds of investments suggestions.
Alright thanks for the recommendation, but how do I reach her?
I'm so grateful to have discovered Isabella Mason! My husband and I were on the brink of homelessness until he stumbled upon her contact information on TH-cam. Her guidance and support have been a game-changer for our family. We can't thank her enough for the positive impact she's had on our lives. She's truly a blessing!
She's mostly on Telegrams using the user name
Man I am TIRED of Tech guys / US returns telling us how easy it is for everyone.
That's the reality. An unemployed or underemployed can't retire
Why everyone suddenly wants to retire? Retired used to mean old and outdated!
@@a6hiji7That is the perception need to change. Retirement is not from the work but from the job a person is doing unwillingly just for money. Ultimate goal is to quit the rat race, achieve financial freedom and do the work in life which you always wanted.
They worked hard. They are telling you what you can do instead of the rat race.. so if you don’t want to do that you can choose to continue your own rat race.
Take a common man with normal salary and usual problems. This fellow is super successful and high income category.
Am I the only one who thinks he will be a good tabla player 😊 great episode as always
lol
No disrespect meant but I lol at your comment. 😅
Him after reading this comment: Abey saaley!!
🤣🤣🤣🤣
He is quite a toxic person full of hateful and biased views going by his comments on X ( twitter) and his ‘freedom’ has resulted in posting 50 such comments every day !😅
Jagmag jagmag dia jalao ❤
People who are partially homeless and live in automobiles in the United States are the outcome of a complicated web of interrelated events. This problem is fuelled by income inequality, stagnating wages, and high housing expenses in relation to income. The situation is further sustained by systemic issues and insufficient legislation, but other factors that contribute include medical costs, evictions, job loss, a lack of affordable housing, and a lack of social support.
Considering the present situation, diversifying by shifting investments from real estate to financial markets or gold is recommended, despite potential future home price drops. Given prevailing mortgage rates and economic uncertainty, this move is prudent, particularly due to stricter mortgage regulations. Seeking advice from a knowledgeable independent financial advisor is advisable for those seeking guidance.
I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.
I appreciate the implementation of ideas and strategies that result to unmeasurable progress. Being heavily liquid, I'd rather not reinvent the wheel, thus the search for a reputable advisor, mind sharing info of this person guiding you please?
Her name is Annette Christine Conte can't divulge much. Most likely, the internet should have her basic info, you can research if you like
Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.
The most sorted video I have watched on FIRE. So much clarity! I can so relate to his journey, and what he wanted to pursue after being financially free(writing books, amongst others).
Agree!
What a sorted guy. This is a role model
This is best episode. Every one has push factor he explained but no courage to take decision he took. I am in same position. But dont have any passive income. Just assets that yield no monthly income😮.
Financial planning is like navigation. If you know where you are and where you want to go, navigation isn't such a great problem. It's when you don't know the two points that it's difficult.
Waking up every 14th of each month to $30,000 it's a blessing to I and my family... Big gratitude to Jeff Clark 🙌
Hello, I am very interested. As you know, there are tons of investments out there and without solid knowledge, I can't decide what is best. Can you explain further how you invest and earn?
Same, I operate a wide- range of Investments with help from My Financial Adviser. My advice is to get a professional who will help you, plan and enhance your management skills. For the record, working with Jeff Clark, has been an amazing experience.
Hello how do you make such monthly?? sometimes I feel so down🤦🏽of myself because of low finance but I still believe in God
I'm favoured, $4,000 every week! I can now give back to the locals in my community and also support God's work and the church. God bless America,, all thanks to Mr Jeff Clark
I am 38, in US(for almost 15 yrs now) moved right after my B. Tech degree, been investing in US market all these days.. planning to come home after 2 years and become FI by investing in Indian Market, Hoping for the best.
Do not come back. Quality of life is very bad in India and it will get worse.
😆😆😆 do you thinl living life after 40 with money is the dream lol enjoy when you are young money is useless after 40
@@KunalMagar23 that's the reason i want to retire right? because i don't need a corporate job after 40. you did not get the point, i didn't say i did not enjoy in US .. just want to come back home and not work on regular 9-5. i love travelling.. already covered north and south America.
@@ShivamGupta-wf5ni agreed to an extent but life has no meaning if you live in a foreign country after certain point and age. Janma Bhoomi for a reason.
Yes bro come back and contribute to our nation & make it a better place 😊@@harishsd5632
I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Katherine Stewart.
I'm surprised that this name is being mentioned here, I stumbled upon one of her clients testimonies on CNBC news last week...
Katherine Stewart strategy has normalised winning trades for me also. and it's a huge milestone for me looking back to how it all started
Really you people know her? I was even thinking that I'm the only one she has helped walk through the fears and falls of trading
As a beginner what do I need to do? How can I invest, on which platform? If you know any please share.
The first time we had tried, we invested $1400 and after a week we received $5,230. That really helped us a lot to pay our bills.
Really appreciate this man's financial intelligence, need more such people on this channel.
This guy is ⭐. He didn't say anything new but the message he revised about finance, life, philosophy, ngo, family, retirement in such a calm and clear way just loved listing to it❤
He looks like he is at peace with himself which is the most important takeaway.
For god's sake, start putting time stamps in your videos! Your retention will increase.
Did lots of backtesting and found that 20% SCHD/DGRO, 20% VGT/QQQ/SCHG, 20% VOO, and 40% bonds, or 4%+ money market, match the growth of SP500 in up years but reduce the losses in down years by 40-60%. I'm still looking for companies to make additions to my $350K portfolio to boost performance. Here for ideas.
I would avoid index funds, mutual funds, and specific stocks for the time being. Right now, the best option is a fixed income of five percent. Put money aside for the times when the market really starts to bounce back. most importantly consider financial advisory for informed buying and selling decisions.
Hey, I'm trying to find a certified one to boost my investments/portfolio, but it's tough online. Can I get a rec from you, since you know about this stuff?
Caroline Suzan Olson is the adviser I use, and I'm just putting this out here because you asked. You can just search the name. You'd find necessary details to work with to set up an appointment.
I invest the same way. You are considered an "Income Investor". We make money two ways. Through monthly/quarter dividend payments; instant passive income. Readily available to reinvest and/or personal use. And the profitable sell of most of our DCA securities. Are we on the same page here?
Very much appreciated. I just searched Caroline Suzan Olson on the internet, spotted her consulting page ranked top, and was able to schedule a call session. I've seen commentaries about advisors, but not one looks this phenomenal.
At 40, I think about this almost every other day. Unfortunately started investigating journey very late(37), so a long way to go before I get to FI
Even the guest in the video started investing at 37 right. You are on the right path. Starting is more important. Good luck :)
Even I started investing at 38 under the same Guest's guidance. I am progressing very well now!
I also started at 37. Everything happens to us in life when we are ready for it. HIS timing is spotless. Go for it.
@@ManojArora thanks. Yeah the new found discipline towards investments is great and watching the numbers do give a dopamine rush of sorts 😁
Targeting 2028 to achieve FI & RE by 2029/2030 when I turn 45/46
Even i started at the age of 40....now I am 48...have a reasonable corpus. But had i started around 30..... I would have had atleast 3X of my current corpus.
Lesson to all of you please start early. Because corporate life is going to burn you very quickly. So earlier you start...earlier you will achieve freedom
That comparison of Real Estate vs Debt Fund is the best takeaway of the video according to me. Thanks Wint Wealth team for
Glad it was helpful!
Also how he explained push pull factor
He has found his ikagai. That satisfaction drives him to be a disciplined spender . Great for him.
I am in same place right now at 42 and daily thinking about if I am ready to FI and ok to bye bye my job lot of anxiety in mind
I pray to God to help you to achieve financial freedom
Can you share your portfolio allocation. I'm in 30's looking forward to retire at 40
Go for retirement, don't overthink. Time won't come back.
I am 24 can you share also me
Don't forget to live your life
One of the best interviews in wint wealth series ❤
His clarity of thought is very good. I resonate with almost all of what he said.
1000th day of wondering why these videos are free!
Well put, straight to the point. So many insights for myself and to share in my network.
Thanks again Wint!
Not everything should be monetized (& great job Wint Wealth for keeping these free). Its videos like these that help and give perspective to common people about FI/RE
They make some money from youtube ads
My grandfather has more than 15Cr , but he is still working instead of enjoying, but his happiness in earning money so I don't force him to leave the business.
Isi liye to desh ka yeh haal hain...itna hone ke bawazood paise ka lobh khatam nahi hota....
@oindrilaniogi7568 nhi jb apne us jagah hote h to pta lgta h , unhone jawani se ise apne bche ki tarah pala h to unka man nhi krta ise chhodne ka..
M koshish krta hu unko ghumane lekr jau...
Lekin free baith ke bhi kuch din acha lgta h fir nhi ..
Bussiness is a different thing. u have that feeling of ownership, but in the job, u lack satisfaction that's the difference
@@oindrilaniogi7568 tumhhare hisab se itna hone ke bad kamana band kr dena chahiye taki tum kama pao
for some ppl work is enjoyment.
Seedhi baat, no backwas. Thanks for having Manoj on your show. I follow him on X as well.
I've been following Manoj for a while and totally resonate with his thoughts here.
Excellent life ! Spent time with kids when they were young and now with nature planting trees ..
Good interview, very relevant one. But if you withdraw 4% from debt investment that yields 8% per year, your corpus is infact going down after considering inflation.
He was simply the best episode so far .. so crisp clear and enlightening
Was there any information on total NW? How much left for kids college etc and if he has his own house fully paid or rent etc?
Incredible interview! Top Notch Content!
the video editing and motion fx team is doing a phenomenol job in explain the intricate details of the video, just notice how thye have skillfully explained fhe SWPs meaning with icins in backdrop keeping the relevance of the topic structure by structure
, loved the video as always ❤️
Wholesome financial and life advice
All wint wealth have simple theme , 1.Get into gov job early , make a lot of money , retire . Someone thats well educated , well off get into tech early --> make lot of money abroad --> retire . I think people born poor , to uneducated parents , those who did have money or connections to get into good companies and college is not represented.
I am 37, and really it's a struggle to spend each day in job 😢.. I want to do things I like more such as spending time with kids, playing cricket, travel more within India and a small business that will just be sufficient and there is no corporate kichkich and pushing around or the daily stress related to it.
I would consider some structured financial products, such as Snowball, which can provide better income opportunities in market fluctuations. Snowball can not only make profits when the market rises, but also bring income through reasonable settings when the market falls, and some products also provide capital protection mechanisms, so that you can control risks while pursuing growth.
Very nicely explained..you should write An Indians Journey for freedom similar on lines of The Simple path to wealth creation
Well-balanced approach to FIRE
I think financially independent and retirement are two different things.
First to get financially independent you need to have goals and discipline which I don't have. Secondly, we need to have some sort of guidance (if not good with calculations) on fund allocations and how much do we need to invest to get financially independence which again I don't know.
Wish me good luck guys! 😄
Good luck on your FI journey (:
I liked his calm ness🎉
My father has 3 crore rupees with 2 paid off homes collecting 10k rent per month in a tier-3 city. He is 70 and still working as a self employed person.
I’m in USA making over 7 lakhs per month.
Our family net worth is over 10 crores.
As a household, we save over 3 lakhs per month excluding the returns from our net worth (stocks, bonds, FDs etc)
I am not planning to retire anytime soon.
Guys,
Earn more money and equally save more money.
Money gives you freedom and you can say SHUT THE F**K UP without even thinking about the consequences..
Did anyone ask you about your plans? It's a video about him. Now go jerk off on your savings. What a tool!
The power of SWP. 9th wonder of the financing world.
Well said
Once ltcg become 30% you're swp will into drain
2.5cr grown to 3.5X in 10years.. unreal growth, what is the CAGR?
at swp of 1.5 L and 18% cagr last 9 Yr 8 5 crs is easy.
Same question.. When I don't get the details in depth, I tend to the conclusion that most of these videos are fake or manipulated
13-14% returns
If you take into account the withdrawals of 3-4%, 16-18% required return which in this long bull run is believable
13.3%
like 20% crazy 🤣
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $2m+ before retirement..
I don't really blame people who panic. Lack of
information can be a big hurdle. I've been
making more than $200k passively by just
investing through an advisor, and I don't have
to do much work. Inflation or no inflation, my
finances remain secure. So I really don't blame
people who panic.
As a newbie investor, it’s essential for you to have a mentor to keep you accountable.
Ruth Ann Tsakonas is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Ruth Ann Tsakonas, for her expertise and exposure to different areas of the market.
Without a doubt! Ruth Ann Tsakonas is a trader who goes above and beyond. she has an exceptional skill for analyzing market movements and spotting profitable opportunities. Her strategies are meticulously crafted based on thorough research and years of practical experience.
how would you recommend i enter the crypto market? I am also looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What's your take on this approach? and How can i reach her, if you don't mind me asking?
Fantastic video! Please I have incurred so much losses trading Forex on my own.... I trade well on demo but I think the real market is manipulated.... Can anyone help me out or at least tell me what I'm doing wrong??
Same here, my portfolio has been going down the drain while I try trading,I just don't know what I do wrong..
Investing with an expert is the best strategy for beginners and busy investors, as most failures and losses in investment usually happen when you invest without proper guidance. I'm speaking from experience
think I'm blessed if not I wouldn't have met someone who is as spectacular as expert Mr Pierre.. Highly recommended
Wow, I'm surprised to see Pierre mentioned here as well. I didn't know he had been kind to so many people
Though I started with as low as $15,000 actually because it was my first time and it was successful, he's a great personality in the state
This channel is so helpful.
So surprising that there is no mention of Bitcoin.
Wonderful insight into the financial freedom journey which as emphasised is 'so easy' and is solely based on the strong foundation of being DISCIPLINED.
Mr. Manoj has a PURPOSE in life and that fuels the journey of life.
Feeling enlightened after watching this interaction.
Thanks for sharing valuable information..
Superb quality discussion. Value in every point
One thing you forget to ask is what happened to equities in corona? When nifty halved obviously equities also halved so how he managed during those times? Debt I get is okay
Kindly don’t mislead with thumbnails .. 2.5 cr in 2015 which is almost 8+ cr in 2024… good interview , but give a clear thumbnail .. you don’t need to fish people .. we know what to expect from your videos and we r here to see those interviews 😊
As of today for a middle class family in tier 1 city, does your 5 cr number include property as well? Or this number is apart from property?
This man was always wealthy, He got a great salary all his life.
Great interview and motivation for people who are starting and people who are doubting to make that jump! Irrespective of goals one must start to work on their financial independence and reach retire early which only means that working for money is optional so one can work the same job, something else, or nothing at all! You get time!
Have been following Manoj Sir on twitter for a while. Great to see his story ❤️
One of the best episodes so far 👌
If a person earns 3.5 L per month in India, what's the point of going to US to earn 4.5 L per month?
That was many years back. It would have been a great opportunity back then even if the hike wasn't much.
@@arjunps6776 Hmmmmm......that's not even a hike. In real terms, it is a drop in income and savings.
Please introduce him ,name place he live in ,more to learn from him.Awesome person
Man, this guy on twitter (x) and guy in the interview is completely different. Hope he continues to advocate investing and asset allocation rather than being political in views on x.
2.5 cr today is also good, it all depends on your expenses..
Equity wont give 12 percentage every year. He is saying around 4 crore to make 2 lakhs per month. Which is normal for 7 percentage interest through bank fd. Nothing special here
Yet another enriching episode… thanks guys ! 🎉
What is this madness about retirement. Most people in 30s think that 40 or 50 is a ripe old age , ready to retire. If financial freedom had been the only reason people work for, then the ones like SRK, Dhoni, Messi , Would have long retired. The list goes on of course. So desire to be able to work at 70 or 80. Don’t hope for retirement. Be careful what you wish for. The great Big B is still working. 😮
The persons you gave as examples are those NOT WORKING FOR OTHERS.
There is a difference when you work on others terms and when you work on your own terms.
I shall recommend you the podcasts of Morgan Housel who wrote the book psychology of money to better understand this.
Well Warren Buffet is still working in his 90 s,
He doesn't have a bose to work under ,he is the bose
So is SRK , BigB, Messi
Financial independence gives you that freedom.
Hope you understood
they love what they do.. Most of the people hate working in corporate jobs and only do to porvide for family… people wanna be financially independent to do whatever they like and not essentially retire big difference
Retirement and Achieving Financial Freedom are two different pursuits! Priority should be achieving Financial Freedom which opens up new opportunities.. quit that shit job or leave a toxic workplace or get motivated to work what you’re passionate about.. Stress and all is superficial!
@Change_makers_ oh yes. Financial security should be the motto. If that allows one to be creative and pursue one's passion ,then there is nothing like it. But the word retirement is big misnomer in these situations. Work gives a certain sense of identity, recognition and sense of being. But it may not be possible to switch jobs entirely. In those situations some kind of hybrid arrangements can be done till one gets foothold for a total switch over to a field of passion
The difference is that they work where their passion lies and we work for paycheck only. And so we obviously want to come out of this rat race and have some quality time spending with our dear ones, fulfilling our wish lists in life. And of course we need financial security or freedom.
Just loved it..
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.
Effective personal finance management is more important than the amount of money saved, regardless of whether income is earned through job or investment. Individuals can seek counsel from a certified financial advisor to optimize financial outcomes, who can provide specialized advice and methods to decrease expenses and maximize income.
@@SophieDubois-m8d I completely agree; 1 am 60 years old, recently retired, and have approximately over million dollars in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, the Fin-advisor can only be neglect not rejected. Just do your due diligence to identify a fiduciary one.
@@MarieWentworth-p2h I think this is something I should do, but l've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you've got it all worked out with the firm you work with so i surely wouldn't mind a recommendation.
@@DanielWilson-u4w I definitely share your sentiment about these firms. Finding financial advisors like Zoe Ann Wiest who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
@@MarieWentworth-p2h I greatly appreciate it. I'm fortunate to have come upon your message because investing greatly fascinates me. I'll look Zoe up and send her a message. You've truly motivated me. God's blessings on you.
I can't even think of stopping working. I am working since 15 age and still now I am struggling to have decent enough corpus.
He explained so lightly
Excellent explanation ❤
Very nice. Watched it couple of times. So many good tips and suggestions throughout the episode which one may not get it the very first time
brilliant ....many of the points resonated with my thoughts
I QUIT IT JOB AT AGE OF 38 EARLY RETIREMENT BUT MY PASSION IS STOCK MARKET AND THIS IS FOR LIFETIME...
SO I AM MY OWN BOSS AND NOT DEPENDENT ON JOB AS WELL AS PEACEFUL LIFE AND GO AROUND ENJOY THE GLOBE..
PS : I TREAT STOCK MARKET AS FULL TIME JOB AND ITS MY PASSION.
I FEEL BORE ON WEEKENDS AND HOPE FOR MONDAY WHICH IS QUIET OPPOSITE IN JOBS..
Do u invest in US stocks?
What you doing bruh?F&O?Crypto?FOREX?
Sir can we have some talk please?
I took vrs 6 yrs bck and it was very tough initial 4 yrs but now am very busy with various routines and running errands that i hardly find time.... I love nature too much and physical fitness and healthy home cooked food 99. 99 % times and drives my family on similar lines.... Now i am settled on the other side very well and would not persue chase any active income rest of my life, not even consultancy.
Your videos are fantastic! I’m a regular viewer and have been really enjoying your content. I’m interested in investing but haven’t found the right opportunity yet. There’s been a lot of buzz about cryptocurrency lately, especially with discussions about a potential bull run, particularly if Donald Trump becomes the next U.S. president. I would greatly appreciate any guidance you could provide on this. Thank you!
Yes, there has been a lot of talk about investing lately but I am new and want to know where to start. Can someone explain to me how to invest and get started?
In my opinion, investing is not about getting rich but rather about achieving financial independence. To become a professional investor, you need a financial advisor. I have succeeded by following the instructions of my financial advisor. I have no regrets so far.
Awesome, you have such amazing information. Can you share more details on how to contact your financial advisor? As I said, I am very interested and if I can get help here, I will start immediately.
He is on Telegram and X, formerly known as Twitter
JosephSloan00
He has written a wonderful book called FOOPs.
Anything that stops ....FALLS ... PLANETS....SOLAR SYSTEM ...UNIVERSE ...KEEP ORBITTING...SO WHEN YOU RETIRE, MAKE SURE THAT YOU HAVE SOMETHING THAT KEEPS YOU MOVING
I donated for Greenpeace & planted saplings on World Environment Day too
We have family networth of 25 cr but I still do a job for 1.3 lakhs per month to keep myself occupied
Where do you work bro
@@shannu1927 Capgemini
His corpus is 8.5Cr + children fund. Still wearing 2-2.5K MI type band. But earning 50K/1L or may be a bit more expending 🍎 watch ⌚️ 😂
He also has the same d1ck as your mum. Does it actually matter what he has materialistically😂😂😂
Isnt there Anyone who achieved FI without going to US or UK??
Good one.
Yes politicians 😂
@@arjunjain6430 True that 😄
Yes it is possible, depends on your gap between income and expenses... And how you invest it
@@WTWNRN Didn't mean the theory or anything is possible kinda advise. Was wondering if anyone actually achieved
Insightful!
3.5L - 4 L... Monthly income in India... Is very very few people....
Very very few of them able to FI...
As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?.
If you are thinking of investing in the stock market and you are not well versed, its advisable to work with a financial advisor who is an expert to guide you through the process. this way you could make more profit with less risk
Factos!! Working with a financial advisor has been a game-changer for me. They provided invaluable insights and tailored strategies that aligned perfectly with my risk tolerance and financial objectives. With their support, I've seen significant growth in my investments and gained confidence in my financial future.
That makes sense. I’ve been using a financial market expert for two years now and I own a six-figure diversified portfolio from investing in stocks. I want to diversify more this year, though.
pls how can I reach this expert, I need someone to help me manage my portfolio
Sharon Ann Meny is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
I haven't seen alot of videos where Dr and lawyer talks about FIRE... How is the earning of these professional compare to IT sector?
It would be better if could add time lines with salaries to get a proper understanding.
Never waste your energy arguing with a real estate investor to start investing in liquid assets.
Great point😂
What if those investor are your parents ? 🤣
Hello
Im 22 yr old and have a salary of 30k with debt of 4 lakhs
Someone please tell me how to be financially free out of debts and provide some financial advice.
Thank you
Investment and Investment Use the power of compounding.
May be you should read "The Richest Man in Babylon" book.
Snowball your debt. Start with smallest debt. Make extra money to that debt. Once finished use that extra money to kill the next bigger debt. If you can maintain the discipline for next five years. You will be debt free. Make sure to build your savings atleast Rs 500 per month. You will surprised after 5 years.
Start SIP 1000 rs ..
Start saving money
Even it's 1000 also
Invest in SIP ,
Since your age is low
You choose small cap fund having more than 10 years old,
Then you can create the mindset of savings followed by increasing the amount..
This is the way you can create the wealth by 40 years
What is the best way to build fixed income portfolio? The FD in India is insured until 5L per person. Corporate bonds appears to be risky and not so beneficial to investors for the risk involved. What is the safest way/s to park this corpus?
Physical gold undoubtedly
@@sarvagyasurawat2605 Gold is a commodity. It doesn't generate any income; it just appreciates in value, at least for now. Also, the cost associated with buying, holding, insuring, and selling physical Gold doesn't make it a great choice for me personally. The cost of physically backed Gold ETFs is astronomically high.
FDs are solid instruments, with reasonable 6-7% returns. Parking a large sum in a single FD for considerable returns isn't worth the risk when only 5L is insured. I need something simple, safe, and conservative.
Beautiful 👏🏻👏🏻👏🏻Crisp and clear
You should have asked about his experience during 2020 crash how he managed and all..
If you have to take 1 thing from the video, the guy who probably has 12-15 Cr and financially independent is still wearing few years old 20$ mi band. He doesn’t need fancy apple or google watches to show off. I bet he would still be driving his 10 years old Maruti or Honda
damn, great clarity in thoughts and strategy, learnt a lot
How can a debt fund give 8% returns in a year in India?
Can someone explain SWPs and tools to achieve that ?
It's just systematic withdrawal plan. The opposite of SIP (systematic investment plan). In an SIP you put money into the market every month. Maybe you invest 20k every month. In SWP you take money out of the market every month. So maybe you withdraw 20k from your corpus every month.
@ do all funds support swp?
@@poojav4345 Who knows? you'll need to do your own research. Preferably consult a financial advisor.
Swp done in market??
Really like this guy!
He had first movers advantage, and he used it wisely. Kudos to him! But its bullshit now. No hate though.