uou should buy it even if it takes 100% of salery for few months if it guarantees an increase in productivity, i sacrificed 4 months of my salary to get my work desk ready cost me around 5.5Lakhs
The only debt I will ever take is home and business loan. Education loan only if its absolutely necessary. Rest all are traps to make you consume more.
@@ManasaReddy-oy9ey it's impossible to buy property without loan for middle class in India. And when you take a loan, banks do the due diligence of property. Thus you are assured that you won't get in any troubles in future.
I can relate this whole video. before 2020 I didn't have any credit card but soon I got one I fall in the emis trap. currently I have 4 credit cards and I almost used all of them for different purchases. After getting job in 2021 I took a Personal Loan, a RE Bike, an iPhone , couple of other mobiles , a Personal computer worth around 1.5L, a Tab, some headphones, and some other stuffs and all of them are on EMI I was at the same stage where my monthly emis were more than my monthly salary and currently it around 80% of my salary and have to pay those emi for coming 2-3 years as well. With almost zero savings or emergency funds. And because of all those emis I am unable to buy a house for coming few 3-4 years or more which could be a good debt or build an asset in my life instead of paying for consuming product for 4-5 years which value will be zero in future. So now I learned the biggest lesson firstly sort out the good debt and bad debt and never cross the emi 30% of your salary. This video is virtual representation of debt trap and how you could save yourself for it. Thanks.
I am a debt free person, own a credit card for last 7 years only one , always spend money by that card only and always pay full before due date , never ever paid any charges or interest on it.....I never buy the things on No Cost EMI , I never buy the things which I don't need and whatever I need I buy those with full payment......😅😅😅 I think I am financially responsible and Diciplined
No. Because the plastic card gives you shopping habit which you didn't had. Probably you'll be buying expensive fuels and medicine, Groceries and movie tickets using cxc. When you buy things with real cash, it hurts and the consciousness tells you that if you're over shopping and not to visit the Dept store again since it's costlier than local market wholesale shop.
I am two a few months away from completing my graduation and am planning to get into a job and self-finance my career and life decisions ahead this 13-minute video, gave me a check on how to now screw my plan and be wise in making financial decisions. Thank You
This is pure gold. Thank you for talking about debt. This is a must watch for everyone entering the corporate world and start earning thier first paycheck. I would have loved to hear about ways to get out of high debt and debt spiral. Debt snowball, consolidation etc.
Abhishek is Perfect Representation of What Real Youth is Doing and it Feels so Naturally Connected. Awesome Performance Pratik and Abhishek + Hidden Zer01 Team. 🙏🏻😊
Great that you're using more English now and less Hindi. When you started you had the same, then gradually Hindi increased, now it's back to normal. Great content needs to be seen by all.
9:38 the buying checklist is next level but in discription it's different and in video it different, I have compiled both and created this QUESTIONS TO ASK BEFORE YOU BUY Q - Will it fit within my current budget? A - Yes / No Is this purchase based on a genuine need or a want? A - Yes / No Will I need to finance this purchase? Yes / No Am I only interested because it's on sale? Yes / No Have I compared prices for the best deal? Yes / No Do I already own something that serves the same purpose? Yes / No Can I borrow this item instead of buying it? Yes / No How often will I use this item? Will I use it long term? A - Yes / No Is the item durable enough for its intended usage period? Yes / No Can I delay this purchase for 30 days? A - Yes / No Will this create additional expenses? A - Yes / No Will this contribute to my financial stress? A - Yes / No How long will this purchase make me happy? A - Yes / No How will this purchase affect my financial goals? A - Yes / No Is my decision being influenced by emotions or peer pressure? Yes / No Anyways Thanks 😊
You are the chosen one bro, Great job. It's not at all easy, speaking from my personal experience. But thankfully, there were no minimum amt. trap those days otherwise my dad and I both would have cracked 😅
The only video had fun learning finance. I myself went into trouble not knowing about emergencies. Being young, you always plan. And life can never be predicted.
How did you ensure the quality? I wanna buy a good used laptop but I'm worried about the quality. What if it is abused by previous owner? What if it gets display or motherboard issues?
@@abhi8178 I know a lot of retailers and they are scared too if things fail. They make sure things do not fail. ThinkPad is ThinkPad and is not like other laptops. They are unique. Also I'm a tech and ThinkPad junkie. So i know more about ThinkPads than anyone else! Hold my beer....
I don't have debt. And nor does my family. (Even though we're going through a particularly tough time.) I don't want to downplay the need for loans by the underprivileged. We try to live within our means and avoid a lot of unnecessary materialistic things. We pay our credit cards in full and don't do EMIs. EMIs make you think that you can afford a lot more than you actually can, but like you said, people don't sit around calculating in Excel sheets. And also, like you said, every stakeholder in this has made it so that you end up buying impulsively with ease.
I have only 16.7% debt, 20% for parents. I have been going bonkers thinking about my savings, investments, future, networth and everything. But now, I feel so stress free after watching this video. Thank you so much.
I am watching this after I've taken my home loan for 1 year now, which consumes 70% of my income. Now I am living a normal life regardless of that fansy pay slip every month. I wish I had come across this guidance earlier, whats so ever thanks a lot for explaining things. Would be great if you could drop a suggestion for helping my current situation. Thank you.
Make a comprehensive video on what is an edge in trading and how do you find one...Also cover the importance of positive expectancy for any particular trading system
i follow a simple checklist. there is just one item on it. If the thing that you are about to buy isn't a property, house, gold, education or any other appreciating asset, could you buy it outright? which means if I want to buy a MacBook pro for 1.7 lakhs. do I have enough money to pay 1.7 lakhs upfront and walk away without debt or a significant hole in my pocket? if so, then its okay to buy this on emi since you can set aside the money you'd pay for the MacBook for ur future emis in a debt fund and reduce your net interest rate while also increasing your credit score. if not, don't buy the macbook
The way you make videos is just amazing. Love you guys. And pratik i am watching you from a long time and you are a great man ♥️. Please continue to make good videos like this
Really informative, recently I have paid my CC emi which is more than my current salary, and I was feeling very bad about it. I had promised myself to not use CC again unless it is very emergency or better not to use at all..
You should also make a video on Debt management. Like now Abhishek goes back home goes through his financials and see he has tons of debt and now he wants your help to get out of it. And how he can make use of debt to his advantage...
Another big problem with the attitude of "abhi 60% hai sir, increment k baad 30% ho jayega" is that after the increment 30% ho gaya but you will want to buy something new and be back at 60%.
In today people are buying Apple products as Symbol of status or as Status anxiety.. Some eye open facts are here in this video... Like this video and this channel .. My phychology is same as prateek but I have not clear ideas to define it... Thanks to give clear ideas to define..🌹
On that checklist, there was an option of "Can you wait for 30 days" but doesn't it contradicts with the point of "Is this the best price". Like if I am getting something at a great discount now and if I do the 30 days wait, then there is a huge chance that I might lose that offer forever? 🤔
Maybe use these points in this sequence- 1. Check if this is the best price, 2 - Can you wait for 30 days. This will help you to analyze that you have done a thorough research on the product and determined if this is really the best price in the current time, after the price analysis if you are waiting for 30 days and you still need that product then you can really say that the product is really essential for you and buy it and the difference wont be much than the sale value. After 30 days if you feel this product is not needed then you won't be buying it anyway and in reality you won't spend that money that you would have actually SAVED. This will really help you in protecting you against impulse purchases under the pretext of sale. Moreover the sale is mostly a clearance or festive sale and most of the time the discount is not on the original price but mostly on the higher markup price.
No. It doesn't. Most often than not, a better one will be available by that time, for the same price. Or better still your impulse to buy will be subdued by that time and you save the entire cost
Reality hits when you cross 28 and approach 30, all those care free mind that you had before will vanish, your parents would start getting old and medical bills start piling up, you would've or would get marry, have kids, buy a car on EMI, buy a house or a plot of EMI, life suddenly turns on its head and when you realize what actually happened, you'll be in deep shit
The only debt I have right now is Education loan where the EMI is 25% of my monthly salary. Other than this, the only debts I am willing to take is Home Loan, Car Loan, Business Loan and a secured OD facility to apply for good IPOs
My Debt or EMI : Income is less than 20%, however my Total expenditure (including investments) : Income crosses 75%. Is that a red flag? Note: You guys are doing a great job!
I don't have debt. I have this simple rule. If it's something necessary, I will buy it. If it's less than a necessity, I will ask myself "Can I buy 2 of this thing without stress?" If the answer is yes, I go for it.
Lakhs of Rs in name of college degree and on other hand kamath brothers are taking efforts to make youth of the country financially literate. I really feel Kamath brothers are new age Ratan tata for India ♡
great video guys.. liked that a lot.. but till now I have taken only 2 small no cost EMIs .. as of now I don't have any debt.. may be will buy a "depriciating asset"/car for my parents.
I don't have debt. I'm very conscious and frugal about buying stuff online. I know how these companies design things so they can't persuade me to buy things I don't need. I also have 6 credit cards and I pay my bills on time.
Loved everything about it .Dropping a comment like this for the first time and Im so glad and happy that this is on youtube,a very beautifully crafted content. Loved everything about the video production ,the sound design, the animation (literally everything about it ) . The team which is working on this series , kudos to you all. Thank you for making such content. Would love to watch it and learn from it till I die .😀 and sorry for my nad english. 🤣
What gold this series is. Plz dont stop
I just dropped my decision to buy a MacBook Air on EMI which was supposed to consume 3/4 of my salary every month after watching this video 😊
Good decision
Nice descision bro another thing which i felt is if we are getting things in emi then its out of our league
Invest in gold monthly with that money. Definitely you'll get Mac without loan
uou should buy it even if it takes 100% of salery for few months if it guarantees an increase in productivity, i sacrificed 4 months of my salary to get my work desk ready cost me around 5.5Lakhs
@@abhayrohityeah but you can get a notebook with Windows on a lower price than MacBook which will still perform at a faster level
This is what we should call real influencing! Pure quality content.
The only debt I will ever take is home and business loan. Education loan only if its absolutely necessary. Rest all are traps to make you consume more.
Full agree with you brother.
Don't take these as well. Stay away from all kinds of loans.
Home loan is the biggest trap ever
@@ManasaReddy-oy9ey it's impossible to buy property without loan for middle class in India. And when you take a loan, banks do the due diligence of property. Thus you are assured that you won't get in any troubles in future.
@@animefurya2z absolutely not, watch the video. All loans are not bad.
I can relate this whole video.
before 2020 I didn't have any credit card but soon I got one I fall in the emis trap.
currently I have 4 credit cards and I almost used all of them for different purchases.
After getting job in 2021
I took a Personal Loan, a RE Bike, an iPhone , couple of other mobiles , a Personal computer worth around 1.5L, a Tab, some headphones, and
some other stuffs and all of them are on EMI I was at the same stage where my monthly emis were more than my monthly salary and currently it around 80% of my salary and have to pay those emi for coming 2-3 years as well. With almost zero savings or emergency funds.
And because of all those emis I am unable to buy a house for coming few 3-4 years or more which could be a good debt or build an asset in my life instead of paying for consuming product for 4-5 years which value will be zero in future.
So now I learned the biggest lesson firstly sort out the good debt and bad debt and never cross the emi 30% of your salary.
This video is virtual representation of debt trap and how you could save yourself for it.
Thanks.
Wow.. So glad that you are coming out of the mess.. All the best for your future plans :)
Who gave you credit card when you were jobless
I am a debt free person, own a credit card for last 7 years only one , always spend money by that card only and always pay full before due date , never ever paid any charges or interest on it.....I never buy the things on No Cost EMI , I never buy the things which I don't need and whatever I need I buy those with full payment......😅😅😅 I think I am financially responsible and Diciplined
What is your credit score
Very High @@tradepandey420
No. Because the plastic card gives you shopping habit which you didn't had. Probably you'll be buying expensive fuels and medicine, Groceries and movie tickets using cxc. When you buy things with real cash, it hurts and the consciousness tells you that if you're over shopping and not to visit the Dept store again since it's costlier than local market wholesale shop.
I am two a few months away from completing my graduation and am planning to get into a job and self-finance my career and life decisions ahead this 13-minute video, gave me a check on how to now screw my plan and be wise in making financial decisions. Thank You
This is pure gold. Thank you for talking about debt. This is a must watch for everyone entering the corporate world and start earning thier first paycheck. I would have loved to hear about ways to get out of high debt and debt spiral. Debt snowball, consolidation etc.
Thanks for your love 🤗
Abhishek is Perfect Representation of What Real Youth is Doing and it Feels so Naturally Connected. Awesome Performance Pratik and Abhishek + Hidden Zer01 Team. 🙏🏻😊
Thank you so much for your love and support ❤
I recently came across this series and it's a gold mine. Actual financial education. Superb series. Please don't stop making this series.
Great that you're using more English now and less Hindi. When you started you had the same, then gradually Hindi increased, now it's back to normal. Great content needs to be seen by all.
9:38 the buying checklist is next level but in discription it's different and in video it different, I have compiled both and created this
QUESTIONS TO ASK BEFORE YOU BUY
Q - Will it fit within my current budget?
A - Yes / No
Is this purchase based on a genuine need or a want?
A - Yes / No
Will I need to finance this purchase?
Yes / No
Am I only interested because it's on sale?
Yes / No
Have I compared prices for the best deal?
Yes / No
Do I already own something that serves the same purpose?
Yes / No
Can I borrow this item instead of buying it?
Yes / No
How often will I use this item?
Will I use it long term?
A - Yes / No
Is the item durable enough for its intended usage period?
Yes / No
Can I delay this purchase for 30 days?
A - Yes / No
Will this create additional expenses?
A - Yes / No
Will this contribute to my financial stress?
A - Yes / No
How long will this purchase make me happy?
A - Yes / No
How will this purchase affect my financial goals?
A - Yes / No
Is my decision being influenced by emotions or peer pressure?
Yes / No
Anyways Thanks 😊
Bro, I came out from this but the debt is done by my father and I took that pain and cleared everything...
You are a Hero bro❤.
You are the chosen one bro, Great job. It's not at all easy, speaking from my personal experience. But thankfully, there were no minimum amt. trap those days otherwise my dad and I both would have cracked 😅
I am still doing the same thing but I have a long way to go still. till 2027.
This is the real education we needed.
Humans need to assign a value to something, to tell themselves that life is not meaningless. Except maybe life is.
This hit hard.
The only video had fun learning finance. I myself went into trouble not knowing about emergencies. Being young, you always plan. And life can never be predicted.
the bestyoutube channel for anyone in the age group of 20-35.
I just bought a used x280 thinkpad a month ago for 16k, which sold for almost a 1Lac at launch. Works just as good.
How did you ensure the quality?
I wanna buy a good used laptop but I'm worried about the quality. What if it is abused by previous owner? What if it gets display or motherboard issues?
@@abhi8178
I know a lot of retailers and they are scared too if things fail. They make sure things do not fail.
ThinkPad is ThinkPad and is not like other laptops. They are unique.
Also I'm a tech and ThinkPad junkie. So i know more about ThinkPads than anyone else!
Hold my beer....
I've watching your series quite some time. It's great. Keep doing the good work
Thank you so much ❤Stay tuned!
These two are real good at their performance and ofcourse very useful content.
I don't have debt. And nor does my family. (Even though we're going through a particularly tough time.) I don't want to downplay the need for loans by the underprivileged.
We try to live within our means and avoid a lot of unnecessary materialistic things. We pay our credit cards in full and don't do EMIs.
EMIs make you think that you can afford a lot more than you actually can, but like you said, people don't sit around calculating in Excel sheets. And also, like you said, every stakeholder in this has made it so that you end up buying impulsively with ease.
This is just peak level of content with very High quality of production ❤ loved it
Thank you Prathemesh! :)
You guys are doing a fabulous job providing basic financial education. Kudos! 👏
Keep going and educate us more
I have only 16.7% debt, 20% for parents. I have been going bonkers thinking about my savings, investments, future, networth and everything. But now, I feel so stress free after watching this video. Thank you so much.
I am watching this after I've taken my home loan for 1 year now, which consumes 70% of my income. Now I am living a normal life regardless of that fansy pay slip every month. I wish I had come across this guidance earlier, whats so ever thanks a lot for explaining things. Would be great if you could drop a suggestion for helping my current situation. Thank you.
It was so nice that I actually started doing my calculations of debt and income...
And?
The production quality is too good 💯
I have zero debt. Love this type of content.
because of this series i am subscribing to zero1 otherwise i dont wanted to subscribe, keep this up
Love the series.
Can you do one episode on the mentality of taking loan to invest ("because the math worksout")
This is a genius comment. Got it, we’ll try to do this, probably not an entire episode but somewhere as a short for sure :)
I love this series..thanks for the efforts guys 😁
I loved how you explained the physiology
Thank you :)
Bhai you connect me instantly .Thanks for this video
Set bht bht pasand aaya , new ways to be in class❤❤❤ just one sentence - Dont stop keep going on
Bro, I just love these videos! Thank you for making these!! Helps me realize how dumb I'm with my finances!!!
When he said : "Increment may not happen, I am know it, I m your boss " 🤣🤣🤣
😂😂
Make a comprehensive video on what is an edge in trading and how do you find one...Also cover the importance of positive expectancy for any particular trading system
Well I like to call it Debt Loop. And it's really annoying to have one! Btw great piece of content production, scripting and everything 💌
No debt so far, kudo to editors and set making people who are putting their best.
Thank you 🙌
Nice one to watch! Serious topic explained with humor.
Entertained & educated? mission accomplished 😉
Abhishek definitely deserves the increment after this episode!
I’ll think about it 🧐
Right and appropriate information. I will completely close all my emis and further not taking any unnecessary loans for sure. Thanks 🙏👍👍👍
One of the best financial education channels with great video and production quantity. Thanks 🔥🔥
I don't have any debt , but planning to take some debt to start a business 🔥😃
i follow a simple checklist. there is just one item on it. If the thing that you are about to buy isn't a property, house, gold, education or any other appreciating asset, could you buy it outright? which means if I want to buy a MacBook pro for 1.7 lakhs. do I have enough money to pay 1.7 lakhs upfront and walk away without debt or a significant hole in my pocket? if so, then its okay to buy this on emi since you can set aside the money you'd pay for the MacBook for ur future emis in a debt fund and reduce your net interest rate while also increasing your credit score. if not, don't buy the macbook
The way you make videos is just amazing. Love you guys. And pratik i am watching you from a long time and you are a great man ♥️. Please continue to make good videos like this
Really informative, recently I have paid my CC emi which is more than my current salary, and I was feeling very bad about it. I had promised myself to not use CC again unless it is very emergency or better not to use at all..
Sooo entertaining .. pls continue this series
Talking about Spiral... Spend on CC, take personal loan to clear then spend on CC again because limit to bohot bachi hai.
Very Nice. Must for Present generation to watch
Very informative and useful video. Thank you very much.
One of the best financial channel till date, love you guys❤
You should also make a video on Debt management. Like now Abhishek goes back home goes through his financials and see he has tons of debt and now he wants your help to get out of it. And how he can make use of debt to his advantage...
Loved the video, narrative, set, knowledge (especially for GenZ) of today’s! :) ❤
This video should atleast touch 100 million views
I don't have any debt... Moreover, my parents.... lower middle class, took it as a challenge and payed off all their debts by their late 50s
Another big problem with the attitude of "abhi 60% hai sir, increment k baad 30% ho jayega" is that after the increment 30% ho gaya but you will want to buy something new and be back at 60%.
In today people are buying Apple products as Symbol of status or as Status anxiety.. Some eye open facts are here in this video... Like this video and this channel .. My phychology is same as prateek but I have not clear ideas to define it... Thanks to give clear ideas to define..🌹
I am a debt free person and having multiple credit card. utilising all credit cards in better way to get more benefit form it.
What a quality of content man. I’m hooked!
Thank you :)
So informative, specially around the Debt to income ratio. Thanks Team Zerodha
On that checklist, there was an option of "Can you wait for 30 days" but doesn't it contradicts with the point of "Is this the best price". Like if I am getting something at a great discount now and if I do the 30 days wait, then there is a huge chance that I might lose that offer forever? 🤔
Maybe use these points in this sequence- 1. Check if this is the best price, 2 - Can you wait for 30 days. This will help you to analyze that you have done a thorough research on the product and determined if this is really the best price in the current time, after the price analysis if you are waiting for 30 days and you still need that product then you can really say that the product is really essential for you and buy it and the difference wont be much than the sale value. After 30 days if you feel this product is not needed then you won't be buying it anyway and in reality you won't spend that money that you would have actually SAVED. This will really help you in protecting you against impulse purchases under the pretext of sale. Moreover the sale is mostly a clearance or festive sale and most of the time the discount is not on the original price but mostly on the higher markup price.
No. It doesn't. Most often than not, a better one will be available by that time, for the same price. Or better still your impulse to buy will be subdued by that time and you save the entire cost
There is a problem if you have to wait for another salary to buy something, you shouldn't be buying it.
It's a good video and very much needed one for my generation.
Reality hits when you cross 28 and approach 30, all those care free mind that you had before will vanish, your parents would start getting old and medical bills start piling up, you would've or would get marry, have kids, buy a car on EMI, buy a house or a plot of EMI, life suddenly turns on its head and when you realize what actually happened, you'll be in deep shit
Most underrated channel i would say
Well said 🤌🤍
The only debt I have right now is Education loan where the EMI is 25% of my monthly salary. Other than this, the only debts I am willing to take is Home Loan, Car Loan, Business Loan and a secured OD facility to apply for good IPOs
It's ok because education loan interest got rebate in income tax.
So it's just the delay of principle amount.
@anoopsajwan3450 Yeah we get the whole interest amount as deduction but tax saving is only 25-30% based on your IT slab
I wish I had a manager like this.
wow, amazing! seriously Thank you soo much. This was eye opening ♥
Debt spiral - Been there. Wouldn't wish it on anyone.
Really amazed with the content and coverage, and also, in spite of being from zerodha, there is no promotion so far. Loved it.
We are an agenda-less media channel. We will never advertise or promote. I think this is our superpower :)
This is fabulous work!!
Good presentation. Useful content.
I like this conversational knowledge sharing,
Though i can't focus on knowledge he is providing😂
Bro😮 what a fantastic communication skills
My Debt or EMI : Income is less than 20%, however my Total expenditure (including investments) : Income crosses 75%. Is that a red flag?
Note: You guys are doing a great job!
i do full cash payment, only and never buy expensive things
Definitely liked the acting. Keep it up!!
this is whtat we should learn in school!! amazing!!
Like the explanation and these series❤❤
absolutely amazing video!!😍
Top Notch Series Especially The Explaination,Narration & Editing… Acting as well 😂❤ btw I don’t have any debt.
Love your content!
one more thing to add to the checklist is "are there any cheaper alternatives to it ?". Ex - Cheaper Android phone in place of an iphone
I don't have debt. I have this simple rule. If it's something necessary, I will buy it. If it's less than a necessity, I will ask myself "Can I buy 2 of this thing without stress?" If the answer is yes, I go for it.
Lakhs of Rs in name of college degree and on other hand kamath brothers are taking efforts to make youth of the country financially literate.
I really feel Kamath brothers are new age Ratan tata for India ♡
great video guys.. liked that a lot..
but till now I have taken only 2 small no cost EMIs .. as of now I don't have any debt.. may be will buy a "depriciating asset"/car for my parents.
I am 43 Years old. I closed my home loan EMI quickly through pre payment. No debt ,praying to god not to go for debt again in my life. No debt
After 40 no loans should be there it like time ticking
Bestest video ever sir. Mja hi aa gya🔥
Thanks man 😇
This is brilliant.....keep it up guys
Thanks for the love ❤️
Love that you people dropped Hinglish 👌
Yes made a conscious choice and went with one single language and subtitles. Thank you for appreciating, means the world to us.
Amazing talk on debt spiral! Inspiring..
Thank you :)
love you prateek bhai, so amazing, sply that checklist.
Thanks :)
I just make sure my DTI ratio is under 35%. It is typically around 20-25%
I started SIP for car and a house, then in future planning to buy them on EMI and that I will pay with SWP.
I have credit card debt which is 25% of salary - I do most of my expenses on credit.
Currently I don't have any debt but working on my startup so I am thinking of taking loan against shares in my demat account.
I started watching this video because of the name Zerodha attached to it and sure did not disappoint, looking forward to more videos from the series👏
Love the content. Keep up the good work.
No dept ✌️
Glad to hear that! :)
I don't have debt. I'm very conscious and frugal about buying stuff online. I know how these companies design things so they can't persuade me to buy things I don't need.
I also have 6 credit cards and I pay my bills on time.
Loved everything about it .Dropping a comment like this for the first time and Im so glad and happy that this is on youtube,a very beautifully crafted content. Loved everything about the video production ,the sound design, the animation (literally everything about it ) . The team which is working on this series , kudos to you all. Thank you for making such content. Would love to watch it and learn from it till I die .😀 and sorry for my nad english. 🤣
Vikas, thank you for your message! This really made team Zero1’s day. Thank for for all the love and encouragement ❤️