Are you WASTING your HARD EARNED MONEY? | Personal Finance 101 | Ankur Warikoo Hindi
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- เผยแพร่เมื่อ 14 ก.พ. 2022
- While a lot of my videos teach you how to invest money and make it grow, no amount would be sufficient if there is a hole in the money we have, i.e., it is getting wasted insanely.
What are those 7 ways and how can you make sure you don’t waste your money through these ways? Let's figure it out, in today’s video!
Which one of these 7 things - you have done in your life? Let me know in the comments.
Here are the videos I mentioned, that could be helpful to you:
50:30:20 Rule on budgeting money: • PAISA kaise BUDGET, SA...
How I use credit cards: • CREDIT CARDS use karne...
Should you buy or rent a house: • Ghar BUY ya RENT karei...
How to repay loans quickly: • Loans jaldi repay kari...
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Sir how can i get financially independent in college (earn 10 crore) . Am currently in class 10th
So why ur reffer so many links below...
Should I invest in Adani Wilmar now, and if yes , then for how much longer.
This is so on point. Every reason is hard hitting but not valuing time is gold. 💯
Sir I also live in Faridabad and a diehard Fan of yours..I hope to see you Face to Face soon..Thanks For Giving us Immense Knowledge in Finance.
00:48 Impulsive buys
03:02 Credit card loans
04:20 Buying things for social validation
05:56 Investing with fear or greed
09:45 YOLO purchases
11:55 Getting stuck in loans
14:42 Not valuing your time
Thanks
Thanks
Thanks
Thanks
You Just saved my 18 Minutes!!
The one quote that I heard somewhere and still keep in mind is.
*We buy things We don't want*
*With the money We don't have*
*To impress the people We don't like*
solid bro, its going in my notes.
This is by Dave Ramsey, an extremely famous radio personality in America. People respect him a lot for his lessons on personal finance and budgeting.
Basically Warikoo of America :)
@@StoaHQ thanks buddy...good to know🎉
Fight club✊
Fight Club.
Explained in very simple terms, vast majority of people makes these mistake.
Good job 👍👍👌👌
सर आपकी इंग्लिश भी बहुत अच्छी है। हम बिहार के है। अगर आपके लेवल का एक परसेंट भी हम लोग अंग्रेजी सीख जाएं तो हम लोगों का जीवन सफल हो हो जाए। मैं आपका बहुत बड़ा फैन हूं। सर कभी बिहार आकर भी युवाओं का मार्गदर्शन करें। यहां बहुत भटकाव है।
1. Impulsive buys
2. Credit card loans
3. Buying things for social validation
4. Investing with fear or greed
5. YOLO purchases
6. Getting stuck in loans
7. Not valuing your time
Thankyou for saving time
Thanks 😇
Thanks a lot. His videos r too long.
Thanks alot
7
This is an eye opener and it should go on no. 1 trending in india, as financial literacy is very important which is not taught to us in schools.
Hi, wonderful explanation as always. My weakest was impulsive buys but i have managed to tame that desire because of people like you and others, and also books. Currently my biggest weakness is not valuing my time. I keep being altruistic that i don't value my time and later i get restless because i couldn't complete what i intended to. I am hoping by telling it publicly, i can acknowledge it and work towards solving it more effectively.
*very prudent advices*
Very proud to say #1, impulsive buys - that too from my allocated budget - is the only bad habit I have from this list. Always paid off my credit card in full, saved money to get my parents house constructed and took a housing loan but repaid within a few years from my "additional earnings". Even though had the budget to buy a luxury car, bought a decent car which did the job and donated the balance for worthy causes to help others fulfill their dreams ...living a meaningful life is the only way to be .. 😇😇
Remove #1 also now
@@warikoo totally Ankur, will do my best. 🙏 Pandemic and not going out for past 2 years has definitely given me a lot of realisation of how little we need to actually live and I’ve been reading a lot around minimalist way of living. Though far from it for now, that’s something I strive to do at some stage.
I started following you only recently and though I’m not in your “usual” follower bracket, love your content and your very authentic and fun-loving style of delivery. Keep doing the amazing work you are doing. Wish I had someone like you sharing these pearls of wisdom in my 20s and my life journey would have been even more enriching. Better late than never … 🤓🤓
This is great Monika, thanks for sharing these insights. Loved your way of looking at things.
Well said 💯
@@warikoo Ankur sir.. ❤️ I am only stuck with the value of time.. As I am a student how can I know my value of time
Brilliant points, especially about the scammers using your name in comments 😅
Here are 10 more reasons why people stay poor -
1. Too much love for sleep
2. Surrounding yourself with lazy people
3. Evading risks
4. Focusing on other people’s issues
5. Love for unending employment
6. Living above your means
7. Lack of a practical budget
8. Poor goals and dreams
9. Poor investment strategies
10. Living in your comfort zone
💯
I have a point that you always cannot stay out of your comfort zone even if you do so you would hate it. Yeah in a short term you may do it but in a long term you will just hate it. Just my opinion
@@cubehunter8105 Agreed. It's all about balance. Do the things you are comfortable with while trying something new to push your limits.
Unending employment means ?
@@rohit_panaskar thinking of permanent job security.
I just came to know about your channel. Good to see another Faridabadi guiding people plan their financial life in a much better way. The same thing many people are doing in US and Canada as you may be aware. Great to see India changing with bright people like you Ankur.
Love form Canada!
I m at my 20s and get so many questions in my mind about financial things that no one has ever explained so clearly about ... Today I felt you so great that you cleared my every query ❤️✨
The mistakes I have done are the following
1. Impulsive buys
2. Investing with fear
3. Not valuing my time
Loved the compilation Ankur, loved every bit of it. Thanks for being the amazing mentor you are to your audience.
Very apt topic is this. I realised that I have spent so much money on fast food items by just placing an orders on food apps. You tube pe koi street food dish preparation dekhi aur me tempt hua. Natija I ordered that food which was actually not needed.
Even though I know most of the things you describe in your videos.. It is very easy for me to lose track of ourselves. Your videos have always been a reminder of the good & sensible things. Thank you for that!
This is so on Point! I wish they taught Financial Literacy in Schools. Alas! Thanks, Ankur!
Learned the loan point in a hard way ,I wish if i could have seen this video in 2015 ,but now I am following all the points which you have taught and now building a corpus for a happy and peaceful future ,Thanks Ankur Sir
We all can't thank you enough Ankur Sirji! 💯❤️🙏🏻 More power to you ✨🙌🏻
Hi Ankur!! Thanks for this video , I really enjoyed it in normal / original speed because with this speed I learn also by guessing and analysis where I generally made mistakes and wishing wasteful desire, Also writing the key elements!! So overall nice experience and great content. Thank You.
Hi Ankur, let me congratulate you on the great work that you are doing in spreading awareness and education on the vital but ironically less appreciated aspects of life and our personality. Thanks
@WhåtsApMe➕①③⓪⑤③③④⑧③⑤③ abe lodu ab toh band karde ye fraud, video dekh teri baat kari hai 🤦♂
@@jatinsoni1979 sahi pakde hain
Hi Sir,
I watch almost all your videos.
I want to thank you for giving such important guidance.
Well according to this video, I have made all these 7 mistakes & spent 6 years of my life in clearing them all.
the way you express gained u a subscriber and that subscriber didn't knew a thing about your channel till yet
Awesome video Ankur! LOVED the seventh point! Going to take a strong decision today itself!! Thank you! 😊🙏
When I am depressed,then I prefer to watch your video. You are true motivator. Thanks sir
1. Buying things for social validation.
2. Not valuing my time.
These were my habits. Which I’m proud that I have let go. Thank u Ankur for your guidance.
Wonderful! Thanks for sharing your journey with us!
My mistake - I was not valuing my time. But, with the course - 'Take Charge of ur Time' I have started taking time into my account. Thanks for being a wonderful guide for life
I genuinely accept the last one as my biggest mistake... Thanks for bringing me back on track !!
Jase hi notification Aya, I'm here 😂
Same
ମୁଁ ବି 🤣🤣
Me too
Same 😅😂
Same
Kuch na kuch zarur sikhne milta hai aap ke video se....
Yeh video mere liye itna important because, i am on the right way.
But achha laga
This is very insightful and helpful for someone in early 20’s like me !! Thanks !
I think I've wasted a lot of time everyday in non valuable works/tasks thinking they were saving me money but actually they don't. Now I've cut a lot of those time wasting works and I want to cut more and focus on works rhat are valuable to me. Thank you sir for teaching us youngsters these lessons of life.
Fraudsters plz stop doing this.... Find some real meaningful works
bought a house at an early age, car on loan but good part is I never bought anything for social validation and didn’t invest out of greed…I always cleared my complete outstanding amount on CC…loved your book!
You are a great person, When I am wasting money buying unnecessary products I first watch your video and leave the plan and save the money.
very thoughtful and really contributing towards betterment of humans !!
Point#7 : the biggest regret and I'm still not able to overcome though I realized it last year. 🙃. Also after following you from last month I stopped suppressing my feelings/decisions and started to go to escalation level 😅 .
Sir i appreciate ur hard work, putting ur analysis and experience to make us explain and aware us about crucial financial decision. I must say if same thing is practically followed by many then the people will also get rid of stress and many other illness. Have subscribed ur channel and will keep sharing with others too. Keep up the good work.
Thanks Sir !!!! Never thought of all these the way u thought. I made 2 mistakes- First..bought an apartment with loan in my late 20s. Second...I wasted my time.
Aap kitne ache hai sir , A REAL MENTOR. and my biggest mistake is to not valuing my time.
The time factor and cost of time spent was a superb point you explained which we usually tend to take for granted.
Nice tips, keep up the great work!
Mine is #7 and #7 alone
I never value my time. Actually I'm in a phase in my life that I do whatever my so called मन says to me. But I want to create a routine for my life from now onwards. These videos are really giving me pump to start focusing on little things which are important for long term. Thank you Anukir Sir for these videos❤️
Excellent video. Sir, aap etna spontaneously bolte hai.. aur etne passion or conviction ke sath.. aisa lagta hai ki apna elder brother bol rha hai.. thank u very much for your content and all the best.
awesome! one of the best advices which i have heard till now, Thank you
I have wasted money by buying a flat too early 😂. I purchased it at the age of 27. My loan emi was almost than 35% of my monthly salary at that time. However, now (at 30) I have a descent salary & emi amount is doesn't make me stressed.
Same here bro...
In short
7 Ways to waste money
1.Buying impulsive ly without planning.0:48
2.Paying late fees/Minimum amount due on credit cards. 2:58
3.Buying things for social validation. 4:20
4. Investing either out of fear or greed. 5:58
5.Yolo purchase.9:45
6.Getting stuck in loans. 11:52
7.Not valuing your time . 14:12
SUMMARY 17:22
Thanks a lot .see you soon in short time.
No 1 and 2 are extremely dangerous . please avoid it.
Thankyou for saving time
Thnx a lot buddy for saving our time. Was looking for such comment!
Hey Vijay, I have got my first credit card now. I have used about 1000-1500 by it. If I have this balance in my account then it will not impact me anything?? Right?? Kya mujhe khud s ye amount pay krna hoga kya?? Online app pr kuch show nai horha pay ke lie.
@@muskangupta3464 When the bill gets generated of rs 1000-1500 rs .you should have to pay the amount on 7 th date of the month.
Absolutely brilliant points!! Thank you
Brilliant .... Speechless... i will definitely look in to this from today onwards. My Mistake is first one.
Ankur and team : Switch to 1.5x for better experience.
Audience : sorry for disobeying but as he communicates it's best😘
Hit me up directly ☝️☝️📩.
For more guidelines and advices on
Investment.
I also had a doubt for college students, should we measure our value of time depending on the future value like if instead of spending time on getting a discount, we use that time to learn a skill or for normal college learning and knowledge
Very good question … I’m no expert but from my personal experience, I would say yes … When I was in US to study, my classmates used to work for a few hours each day in restaurants etc to earn money to sustain their living. I instead took education loan, focused on cutting down my expenses to bare minimum and used my time to study and learn extra skills during that time. Best decision of my life!!!!
Measure it for now - by the average salary of your college divided by 40 hours per week
This is the first video that I came across, very sensible and no nonsense types 👍 follow all but have errored on the last and probably the most important one...value of time :) thanks
U reallly inspire me man..the way u explain lyk a father n also touching the in generation aspects is really inspiring
This is True..even I started using CC recently from like 4 months and don't know from where the bill for that corss around 25-30k. however, when i was on my netbanking and debit card, i was not using it so often. I feel i have started using CC without having a second thought that I have to pay it after a period of time :(
CC is good if you have control on your purchasing power or on yourself. Use it with keep the bill date in your mind and every time pay full bill not in EMI . Temptation with the availability of east money is the actual trap .
@@anjusingh5082 Yes you are right mam
I don't think I'm part of any of these 7 points but biggest financial mistake was not taking life insurance early and not taking health insurance for parents.
Conceptual and to the point video. Loved it
Very nicely and honestly put up... Thanks!
पूंजीवाद ने समाज ये स्थापित कर दिया है जिसके पास धन है वही अमीर है, जबकि सच्चाई ये है जो चिंता से मुक्त है वो अमीर है
Chinta se mukt koi nhi hota bhai
@@krishnaverma2877 किसने कहा में तमाम दार्शनिक, संत, सूफ़ी बता दूंगा जो चिंता से मुक्त हैं
4 din khana nhi milega to saare sufi sant chinta karne lagte h bhai chinta sabhi ko hoti h bas samay samay par chinta k Karan badalte rehte h
@@krishnaverma2877 बौद्ध भिक्षु देखें हैं कभी? उनको कहा से मिल जाता है खाना?
@@krishnaverma2877 तुम्हे मौत से डर है ये भी तुम्हे चिंता हो रही है, पूंजीवादी मित्र
Man you are rocking my mind nowadays always so I understand the value of time, less credit card useses, avoiding YOLO and on the track of finacial planning with better investment, insurance etc. Thanks Wariko. Saltute for your contents.
Message 📩📩📩 me directly for investment guidelines and advice... ☝️☝️☝️
You used to make very helpful and valueable videos... Thank you. Keep doing good work
Congratulations on releasing your first book. Wishing you success and hope you author many more books
Thank you Ankur for such an eye opening session. I love to watch your videos, you know I am trying to make some changes because of it !
After watching this video, I admit I do impulse shopping and never realized that I am waisting my time and money on it. I will work honestly to get rid of it !
Thanks again
Getting rich off crypto is much tougher than it seems. I keep losing money while trading with these youtub videos, and finding a trustworthy professional trader to help out with these trades also appears to be nearly impossible. This is extremely annoying
That's true! Most failures in the market system today is as a results of poor orientation and bad experts methods in winning
Now! One thing I tell everyone is learn about real estate. Repeat after me. Real Estate provides the highest returns, the greatest values, and the least risk but you have to be patient
Current real estate prices aren’t high because they have been driven up by irresponsible speculation. As was often the case in the past. Prices have risen because a constantly increasing population with money to invest has been created - and continues to be created.
Yes you are right. Investing was the best thing that happened to me last year
Doh most coins are going to x10 this year. The recent market correction is dip from its high which has made everyone to panic in the past time. However, not every person has seen it as a bad omen. The digital asset's price had gone low causing people to believe the bear market
Thank you very much Ankur sir for enlightening us with this video. Always loved your content.
And out of the above 7 mistakes I feel I tend to repeat the 7th one mostly which is about not valuing our time. However, after this I will try my best to work over it and to improve myself in that.
hello warikoo sir. ur big fan. learning so much from you. didnt get a teacher like you. cant thank you enough. and big ups for what you are doing for india.
Sir make a video on "how much money we should spend in our wedding" please sir 🙏🏽💕
▪️Send A direct message
📩📩☝🏻☝🏻
There's no how much.. jitne afford kar sakte ho utne hi.. taking loan or borrowing money to marriage doesn't worth
Go for court marriage and spend that money on a honeymoon/international travel IMO
@@whtsapp9203 😂😂😂 are you serious, ankoor sir just warned us about you & here you go again
@@whtsapp9203 bhai teri dukan band
Sir you missed one thing which is FD, I have few friends whose age is around 28-30 but still they invest in FD. I believe FD is also making you poor.
P.s. : FD is good if you kept as emergency or liquid funds.
Ankur has spoken a lot about FDs in many of his videos. There is no need to add that here also.
I understand your point. But what Ankur is saying that things that waste your money i.e eats up your money. 100 rupees become 0.
FD is still an investment, but like a tortoise. Maybe 100 rupees will become 101. But impulsive buying, YOLO etc will make 100 rupees 0
85% of these are became my habit....but now I'm working on myself to reduce all of those mistakes..thank u
Thanks Ankur for sharing it.. I have done all the mistake you highlighted in the video.. and as someone in the group said mostly trapped in this are either from the middle class category who wants to continue proving and waste their time in things which are less of value … as you said we are not driven by VALUE ( not from culture or upbringing perspective)
Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times while others tend to avoid them. Well, at least my advisor does too, jokingly.
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 subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your adviser
Through closely monitoring the performance of my portfolio, I have witnessed a remarkable growth of $483k in just the past two quarters. This experience has shed light on why experienced traders are able to generate substantial returns even in lesser-known markets. It is safe to say that this bold decision has been one of the most impactful choices I have made recently.
wow ,that’s stirring! Do you mind connecting me to your advisor please. I desperately need one to diversified my portfolio
The adviser I'm in touch with is 'Jude Ryan Mcdonough' He works with Merrill, Pierce, Smith incorporated and interviewed on CNBC Television. You can use something else, for me his strategy works hence my result. He provides entry and exit point for the securities I focus on.
Nice content. To me, trading the forex and crypto market is way better than any online investment 💯
Please I need someone to help me trade or invest the forex or crypto market because I'm tired of trading in losses myself. I've blown my account twice and it's frustrating.
@@ernestseo9570 I'll recommend Expert mrs Rose Robert to you. She's the best ive seen. She trades my fx account and makes me good profits weekly📈
Wow you really know expert Rose...? I'm a living testimony of expert Rose Robert, she has been trading for me for months now
My first investment with her Expert Mrs Rose Robert gave me profit of over $4,000 Us dollars and ever since then she has never failed to deliver and I can even say she is the most sincere broker I have known
So you guys know her too?... Wow she made me have my own house and car.
She is awesome👌
Superb simply!!! You are a gem
Salute Salute Salute.!! Very detailed explanation of our daily mistakes. Very Informative video. Thank you.
DESPITE THE ECONOMIC CRISIS,THIS IS STILL A GOOD TIME TO INVEST IN STOCK AND CRYPTO,
Making money is the plan and with Bitcoin your plans can be accomplish,
I really appreciate Mr Sam Justin influence during this global pandemic lock down,
Bitcoin trading is the best when you are on a profitable based platform,
I started with 7000usd then increased to 13000usd after receiving my profit,
That is true I've been trading for years and it has been my source of income,
Wonderful video Sir! Superb!!👍🏼
Omg 😀Tysm ☺️ for sharing valuable information.
Hello what is the best way to get started with bitcoin investment or Forex trade cos I have been making my personal research for a while now
I can't believe I was able to have $30000 worth of Bitcoin in just one month and half of trading with expert Mr Nicholas Barron trading services. Come across some nice comments about him on TH-cam and I give it a shot. I don't believe in Bitcoin before
Please how do I reach this Mr Nicholas Barron I've already lost enough of money treating myself
I just withdraw my profit in 4 days ago before now. I'm glad I did invest with him, still reinvesting and the trade is ongoing
No doubt Mr Nicholas Barron trading service is very good i invested $3000 and cashout $15000 after 7 days I still wonder how they get their analysis
I did invest with him and he made me good profit about$5000 from my initial $5000 I invested with him thanks sir
Wonderful video thanks Dr.Santosh Joshi
All time Favourite Ankur Sir💕💕 Great information to give us through these Video😊😊👍
*NOBODY BECOMES MILLIONAIRE OR A BILLIONAIRE'S BY WORKING FOR OTHERS AND DEPENDING ON THEM, GOOD INVESTMENT BRING MILLIONS OF DOLLARS, AND CONSISTENCY BRING BILLIONS, THE MARKET IS ALL ABOUT BITCOIN AT THE MOMENT NOW.,*
You're right ma,
That is why I had to start forex trading
2months ago and now am making benefits from it,
Thanks for introducing me to Sam Justin.
O' Yes I'm a living testimony of Sam Justin
Mr Sam Justin has changed my financial
status for the best,
Sam Justin is obviously the best,
This was the best financial video I've seen❤️❤️
Truely said sir.. thank you for this video!!
That’s really fatherly advice🙏🏻 Thank you Ankur
Jabardast knowledge di hai bhaisahab... Thanks a lot 🌹
Kitni achi baatein aaj sikhne ko mili h inse😊....thnk you so much sir
Heard you first time and feel glad that I did. Thanks a lot.
This is so relatable. When I started working I got a free credit card from my bank, I loved how I had more money than most of my friends courtesy credit card. It went like this for quite a few months until I realised my salary isn't growing but my credit card bill is, I borrowed money from family to pay it off all at once for one last time and never used it again until 3-4 year. Never forgetting this lesson.
Thank you for making these videos.
It is very very helpful to me.
Wish I had an uncle like you, Sir. Glad I found you on youtube, thank you for all your videos. 🙏
Thank you Brother, very useful, especially the last point, value your time!!
100% true Ankur bhaiya, most people make these mistakes and they are not aware that what they are doing is the wrong way of managing money.
Very good video.. i have done quite a few mistakes from the ones you have mentioned.. I will recommend my friends to watch this video
Took some valuable insights from your video. Thank you🙏
Superb, thank you for sharing 👍👍
मैं एक आर्मी person हूँ और जो आपके सात कारण है उनमें से मैं केवल जब छुट्टी जाता हूँ तब थोड़ा खर्चीला हो जाता हूँ वो भी बच्चों की वजह से
Thanks for this video. Happy to know I am on the right track, though surrounded by friends into YOLO, Impulsive and Social Validation spending.
Hats off sir....never seen a video so realistic to our financial crisis created by ourselves...ecxellent stuff sir
Found out I have been also wasting money, but wasn't able to understand what was the reason. Now I know, impulsive buying. That's the only thing. Thanks!
Wonderful. Keep it up man
Omg 🙏 thanks for this life changing knowledge