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I’d be retiring or working less in 5 years, and curious to know how best people split their pay, how much of it goes into savings, spendings or investments, I earn around $250k per year but nothing to show for it yet.
money advice is subjective, what works for you may not work for me. I would suggest getting rid of any unnecessary purchases, especially things that cost you monthly, or better still consider financial advisory.
Agreed, I'm quite lucky exposed to finance at early age, started full time job at 19, purchased first home 28. Going forward, got laid off 36 amid covid-outbreak and at once consulted an advisor. As of today, I'm barely 10% short of $1m after 100s of thousands invested.
I've worked in real estate for over 25 years and have neglected a major stock portfolio. This served me well when I was flipping and renting houses, however I need a different plan now.. mind if I look up the professional guiding you please?
The advisor am currently working with is Teresa L Athas. I came across her in a Bloomberg interview for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look her up.
Thanks for sharing. i searched her full name and found her web instantly. After reviewing her credentials and conducting due diligence, i reached out to her.
I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for...
@@Abelone-Alvilda Victoria Carmen Santaella her trading strategies is working for me for more than a year now and I’m making good profit from the stock market and she's 100% honest, reputable and trustworthy....
THIS was one of THE MOST eye opening talks I have watched in a long long time.Ravi Handa was so genuine, sincere, and very realistic with so much CLARITY.
I respect him for his honesty. He clearly admitted that early retirement is not the best solution for your carrier related problems and can lead to few other problems as well.
“Clarity” is what this man possesses. That is a highly underrated feeling to posses. Doesn’t even blink an eye to tell what and why he has done and even explains it elaborately. This was a much needed video!
Not commenting on the gentleman in the video but generally one shouldn't retire for "not doing anything" but for "productively doing what you like". The point he made about he impact on social status is very relevant. Social status remains only if one is living a productive life.
@@django9494to kaunsa IITians ne Apple Google Microsoft Facebook Amazon IBM Fujitsu Mercedes Toyota Panasonic banadi IITians are good talented slaves at higher packages to discuss in their Circle to get married But no IITian can proudly say I made Google Microsoft or written their source code sundai pichai can say i was CEO of Google but not the founder of that great idea IITians ne jo companies banayi hain woh time se pehle ghaple karke bhaag leti Indian ho ya IITians Indians must learn to be honest
Most of early retirement guys I have seen (only on TH-cam) , have some how stumbled upon a jackpot. Handa sir himself explains how he would be living if he was in Bangalore, but Unacedmy acquired his company which payed him awesome liquid cash which inturn opened this retirement pathways. Same goes with Other guys like Sharan who craacked TH-cam and earned tons of money in short span of time. You will not find a 9-5 guy no matter how much senior he is (earniing crores) is retired. It only happens when you make tons n tons of money in astonishingly short span of time which then allows you to not work at all!!!!
Exactly sharan chose starting his own venture over Columbia MBA, I believe generating alot of wealth in short span of time instills a certain confidence and then that person just sees money as the other commodity
@@vaibhavpatil7767 exactly with windfall gains anyone can retire. Some are just plain lucky. I am not saying they did not work hard but these cases are rare.
The social deprivation point is absolutely valid, seen this first hand myself (moved jobs, earned more but didn't have a manager title). Thanks for the honest and candid discussion.
I am not a person who leaves comments regularly on TH-cam videos. But, the honesty shared by this person needs huge admiration. Very clear opinion with very genuine reasonings at the end. Most of the interviewees usually justify their actions without discussing an honest internal reflection. However, this guy has won my respect 100times. He should keep on teaching at least on TH-cam. People like him are rare in these times of self focused social media.
High prices for everything have severely affected my plan. I'm concerned if people who went through the 2008 financial crisis had an easier time than I am having now. The stock market is worrying me as my income has decreased, and I fear I won't have enough savings for retirement since I can't contribute as much as before.
It's recommended to save at least 20% 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 20% 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 investing in the stock market and potentially grow your retirement savings over time.
Considering the increased complexity since the 2008 crash and COVID, I suggest diversifying your financial portfolio. I hired an advisor and successfully grew my portfolio by over $150K during this turbulent market using defensive strategies that protect and profit from market fluctuations.
My financial advisor is “Vivian Carol Gioia” I found her on an interview where she was featured Afterwards I reached out to her on her webpage. she has since then provided me with entry and exit points in securities I focus on.
I just looked her up on the internet and found her webpage with her credentials. I wrote her outlining my financial objectives and planned a call with her.
Money never last…. My neighbour is a farmer own a small piece of land and i never seen anybody more happy than this guy. He’s on pinnacle of wealth. Long lasting happiness.
As a 60 year women from Mumbai. On the death of my mother i was made aware that the finance company that was managing our portfolio had done a really bad job leaving me in financial ruin with just about enough to eek out a living. When all avenues for compensation and justice failed I had no option but to shrink my lifestyle to manage within my means. With this came a realisation that material things do not matter much. Social acceptance doesn’t matter, if u are happy with your self. The pain is when you are not able to reach out and support and help those that you did and would have continued to do so if it were financially possible. I loved your interview and your concept of living with your time well spent, I promise you will not regret it. The one aspect I found lacking was how much have you kept aside for giving ? Either thru time or financial aid. Believe me it will be the cherry on top of your cake . I respect your intelligence and foresight. I hope you have a blessed life.
@@sunilsood1624 valid, they probably have that concept in their wills if they have an extreme means of incomes like warren buffet and the like, but other than that people who retire....and more so who retire early seldom have the thought of philanthropy as something they actively try to do, more so given how they have a family to feed and kids who are of tender age whose education cost is as high as it is.
I am a single guy with higher networth that this interviewed guy and I am still working. I am giving it all away by creating a trust, which will fund scholarships in a US university.
The point that hit me, was how clearly he said "Change the country. The majority of the career related problems that you are facing, are because you are living in India." If the people living in our country, the government and the corporates, don't do something revolutionary in terms of labour laws and R&D, then the future of India is going to be unpleasant. There will be lot many early retirements, brain drain and laziness.
This is sage advice. The Indian establishment does not change unless there is a severe unbearable crisis. So instead of waiting for change, building a better more balanced career abroad enhances one's quality of life significantly. Stay in India only is one simply has to, due to some personal commitments, or because one's educational path has limited opportunities abroad.
The candor in this interview was refreshing. A pleasant surprise to see someone open up about their net worth and share actual numbers instead of talking in platitudes.
I love Ravi, he's such a down to earth person. I am in a quizzing group with him, and he also seems to know a lot of general and business trivia. Handa ka Funda was also a lifesaver during MBA prep
Wint wealth is doing great job finding these veterans and giving different perspectives on money making and financial sustainability. But at the same time, revealing themselves about their perspectives and clarity about good businesses and finance. I could see the founders have good vision on how to expand their business and I see much more things unfolding from them. They have earned my trust.
Bhai sach mein bata rha hoon itni straight forward video , maine poore youtube pe nhin dekhi, mtlb video starting mein hi seedhe point pe aa gye tum that's the thing audience want , seedhi baat no bakwas
I want to start re-distributing my portfolio to some digital currencies and also other stocks with that in mind. I know the second quarter holds a lot of promise. I'm thinking of sharing my portfolio of about 300k over different asset classes. Any recommendations?
No specific suggestions from me, but all I can say is that he's really likely to win. It's really not as difficult to smartly distribute your assets as many people assume. It requires a certain level of expertise, which ordinary investors lack, so a financial advisor usually comes in very handy.
I agree. A financial advisor can really help you re-adjust and identify blindspots that you yourself do not notice, like mine did in advising me during COVID on how the pandemic will shape things, and I made it out big and still make up to at least 20k in dividend per month.
Melissa Jean Talingdan is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment. She’s really good
Melissa Jean Talingdan is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment. She’s really good
Great interview! Well done to him on saving 12Cr before the age of 40. But I get the feeling that he has retired knowing that he can always earn money either in a paid job or as an entrepreneur at any point in future…🤔 And at the end, he himself admits that early retirement should be the last option!
I'm 39 and nowhere as wealthy as this guy but I have made certain changes which lets me lead a semi retired life. I was frustrated to my core while working in Accenture and I couldn't quit due to a home loan. Put down my papers at 2pm and I was offered a role in UK at 6pm. The 3 years I slogged before that, was not rewarded at all. Went to the UK and saved enough to repay my home loan in one year's time. I was offered my manager's role there as he was being moved to another account but I refused. I could've made a ton of money but I didn't want to be in IT anymore. Came back to India quit at 32. Next 6 months I didn't do anything, at all. I always wanted to do something in photography so took up wedding photography. Unfortunately, didn't work out as well as I had planned. QUit doing weddings and now do corporate photography and street photography which I enjoy. I am an avid travel enthusiast, so I travel solo a lot. Then realised I needed money. SO negotiated a deal with a company that I will work on contract basis and wont be an employee. I now get paid quite well for maybe a week's worth of work. I can get a regular job and get paid double but what will I do with that money when I wont have the time to spend. So now I spend my time with my IT consulting which doesn't take a lot of time, photography, travelling, motorcycle content on youtube. I still drive my 2010 Swift as there is no need for an upgrade. Do I want a bigger car? Yes. Do I need it? No. I have a flat which is paid for, few plots, and decent earnings. Only big expense I see in the next few years is a possible purchase of a bigger expensive motorcycle. Apart from that I lead a very contented life.
@TheRyukDG no and I have chosen it that way. But if I had I'd still be doing OK as I don't spend on things which are out of my means and/or unnecessary.
Well, answers how things were easy from a decision making point of view, right? Most common middle aged men are swept in the whirlpool of obligations that come with a wife and kids thereon. Every single decision is driven by its impact on those attached to you. Good on you for being clear with what is more important to you.
Yeh Handa sir k Aritmatic videos dekhta tha main 2012 mein during CAT preparation. His website had lot of study materials, sample questions. Those were different times. Internet penetration was low. Smart phones were not there. I used to check his video secretly from office during office hours.. I think that time he used have a French cut beard. I saw him today I think after 10 years and feels good to see. In a way he was also my teacher. His clarity on his decision is the best thing. He knows his capability, he knows his limitations and he is clear about this expectation from life.
Okay, this guy was one of the top 0.001% earners in India, that's why he was able to do it, most of his advices are for top 3% earners of the country. I think most of us not only don't have the option to retire early/change careers/change countries but we may have to work in horrible conditions for longer than our retirement age, what only can solve the problems are strict labor laws and workers unions in private sectors.
First of all, my hearteous congrations to Ravi for achieving FIRE. Secondly he should not be worrying at all about losing social prestige. The entire society is judgemental.All that should matter to him is his family and nothing else.I also thank Wint Weath for uploading such wonderful interview.Kudos to the netire team.👍👍👍👍
Even I am planning to retire at age of 38 and my number is 100crore. Probably I will achieve it in projected time frame. Very good decision to retire early and become financial independent ❤
This is one of the most straightforward, simple yet the most valuable video I watched on finance. The person is great and takes life as it "should" be.
So Surprised to see Handa Sir has retired. I had taken the Handa ka Funda course which was a very affordable and good course for the fundamentals of how to attempt the exam. I also talked to Handa sir over email on how best to prepare for the exam. Glad to know he is doing well in his life and hope he will keep guiding students for CAT even after retirement.
@Wint Wealth - Good content on early retirement. I hope this person realise and contribute his time now to coaching poor students who can't afford heafty fees at major institutions. This is giving back to society which have him what he intended. Thank you
Wonder why he was not doing that already. Maybe that is one of the clause he signed with unacademy while he sold his company. That is a problem with selling a company you built from scratch. We have that emotional connection much like selling your dog for a million dollar.
Sir , I wish my parents could understood the way you are nurturing your kid. This life just gone in learning things , if I get a second chance as a human I would make my schooling days better.
The best possibility is that you give a better life to your kids.😊 And try to get the best out of your current life now cause later you should not blame yourself .
No fun without needs but Prioritise fun , he simplified meaning of LIFE... kisme mazaa aata hai tumko usme karcha karo. Really GOLD , 15 mins felt 2 mins.
A few observations - This is literally a concrete decision when you decide to retire at such age, like you should have a clear picture and plot on how you're going to spend 24 hrs everyday for the rest of life, 2nd as he mentioned his decisions have became more rationalised which again is very contradictory and subjective, Monetary & Materialistic temptation will always be there hence you would have to be very strong mentally. Lastly the HOST either hates his job or is envious of him or just had a bad day - no energy nothing, interviewing for the sake of views.
i studied aptitude from him in 2013, he taught so well that i started cracking most of aptitude interviews, sorry to say but i got his lectures for free since one of my friend downloaded them through torrent….its almost 10 years back now
Hi I could relate to everything u said ..I retired once 12 years back ..travelled..explored ..grew.. came to work after a year ..now retired again and now changing my line ...would like to connect..everything resonated...
Dude could have easily retired 10 years earlier than he did but good on him for going the extra mile to insure intergenerational wealth for his family.
More and more people might face a tough time in retirement. Low-paying jobs, inflation, and high rents make it hard to save. Now, middle-class Americans find it tough to own a home too, leaving them without a place to retire.
The increasing prices have impacted my plan to retire at 62, work part-time, and save for the future. I'm concerned about whether those who navigated the 2008 financial crisis had an easier time than I am currently experiencing. The combination of stock market volatility and a decrease in income is causing anxiety about whether I'll have sufficient funds for retirement.
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000
'Carol Vivian Constable, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
I was randomly checking the wint videos. I was surprised to see that he is the same Handa from Handa ka Funda. His work helped me a lot in MBA exams preparation.
He is to the point with hell lot of clarity, knows what to do with his life and time. He speaks with same clarity and enthusiasm as GaurGopal Das while answering. See the joy of his luxury the TIME. As I was listening back of my mind what Jack Ma said this man also feels the same. Early retirement is like real achievement of your hard work else you will die without enjoying the fruits of the tree you nourished throughout your life.
Super validating, thanks for making this video. I am in the first year of my early retirement and always confused whether i have taken the right path. I am trying to become a full time swing trader but all the questions keep coming in my mind as this gentleman had and i keep doing balancing and rationalising in my mind. This man has very articulately validated my thought processes and I am confident that I am not the only one. Like him, I too don't have the option to start afresh or leave the country... So I am banking upon the India growth story for rest of my life....
What a practical opinion and advice this Guy has given, you hardly will get such a honest content regarding finance anywhere. The best part of discussion is decay of social value😂😂
A very huge portion of this interview being insightful goes to the framing of the questions. They extracted the most out of this already very wise person!
@@WintWealthYT Have some shame. Don't thank the viewers. Thanks Anshuman Bhai and his team unka hi toh content churate ho tum log. Aur aata hi kya hai. Roz roz aa jate ho ghatiya copies leke
@@starxd5697 Thats BS. you know what is waste of resources? Millions of beggars in front of temples, mosques and churches and on the road and streets of cities. How much are they adding to the GDP? That guy still(probably) pays income tax or buys from stores from where he is charged GST and other forms of taxes.
Came across this TH-cam channel just now, mind blown by the content as it is giving the knowledge about the most important questions that people have today. Hats off bro keep continuing this work as it is most needed in today's time.
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I’d be retiring or working less in 5 years, and curious to know how best people split their pay, how much of it goes into savings, spendings or investments, I earn around $250k per year but nothing to show for it yet.
money advice is subjective, what works for you may not work for me. I would suggest getting rid of any unnecessary purchases, especially things that cost you monthly, or better still consider financial advisory.
Agreed, I'm quite lucky exposed to finance at early age, started full time job at 19, purchased first home 28. Going forward, got laid off 36 amid covid-outbreak and at once consulted an advisor. As of today, I'm barely 10% short of $1m after 100s of thousands invested.
I've worked in real estate for over 25 years and have neglected a major stock portfolio. This served me well when I was flipping and renting houses, however I need a different plan now.. mind if I look up the professional guiding you please?
The advisor am currently working with is Teresa L Athas. I came across her in a Bloomberg interview for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look her up.
Thanks for sharing. i searched her full name and found her web instantly. After reviewing her credentials and conducting due diligence, i reached out to her.
This man is so wholesome. He has so much clarity in life and probably that's why success found him ❤
First direct question, whats your current networth
Lol this guy is a scammer. Dont u know what he did few months ago with an innocent guy on X?
What did he do? @@sumitnaiyaa
I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for...
@GiovanniJakob That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well
@GiovanniJakob I will give this a look, thanks a bunch for sharing...
@@Abelone-Alvilda Victoria Carmen Santaella her trading strategies is working for me for more than a year now and I’m making good profit from the stock market and she's 100% honest, reputable and trustworthy....
@GiovanniJakobDoes Victoria take one night stands? I'm curious
Lol scammers
Kudos to the interviewer to not interrupt anywhere, ask sensible questions and keeping it so simple unlike others! 🙌
🤝
THIS was one of THE MOST eye opening talks I have watched in a long long time.Ravi Handa was so genuine, sincere, and very realistic with so much CLARITY.
I respect him for his honesty. He clearly admitted that early retirement is not the best solution for your carrier related problems and can lead to few other problems as well.
When there is no problem whats the meaning of life
Career .. please
“Clarity” is what this man possesses. That is a highly underrated feeling to posses. Doesn’t even blink an eye to tell what and why he has done and even explains it elaborately. This was a much needed video!
Yes.. He has great clarity of thought.. No wonder.. He is from IIT, i feel IITians should not waste their talent by sitting idle
I on the other hand believe he’s a legend as he is doing what his heart wants to do!
Not commenting on the gentleman in the video but generally one shouldn't retire for "not doing anything" but for "productively doing what you like". The point he made about he impact on social status is very relevant. Social status remains only if one is living a productive life.
@@django9494to kaunsa IITians ne Apple Google Microsoft Facebook Amazon IBM Fujitsu Mercedes Toyota Panasonic banadi
IITians are good talented slaves at higher packages to discuss in their Circle to get married
But no IITian can proudly say I made Google Microsoft or written their source code
sundai pichai can say i was CEO of Google but not the founder of that great idea
IITians ne jo companies banayi hain woh time se pehle ghaple karke bhaag leti
Indian ho ya IITians
Indians must learn to be honest
@@django9494He is not sitting idle, he is enjoying what he is "doing".
We are on the same path. Today I am 55 , and I retired 13 years ago at the age of 42. And I am really enjoying my freedom and emptiness.
Invest th-cam.com/video/kJQcDYB5hxQ/w-d-xo.htmlsi=JnV_umt6y7LO7Sfq
Am also willing to achieve financial freedom but not daring
This interview is gold. Not the 12 crore part, but the perception this man possesses !
What an amazing guy! Honest breakdown of the decisions he has made - a rare thing these days. Zero fluff, only clarity and substance.
His view point on retiring early is so authentic. Nice interview.
Most of early retirement guys I have seen (only on TH-cam) , have some how stumbled upon a jackpot. Handa sir himself explains how he would be living if he was in Bangalore, but Unacedmy acquired his company which payed him awesome liquid cash which inturn opened this retirement pathways. Same goes with Other guys like Sharan who craacked TH-cam and earned tons of money in short span of time. You will not find a 9-5 guy no matter how much senior he is (earniing crores) is retired. It only happens when you make tons n tons of money in astonishingly short span of time which then allows you to not work at all!!!!
Exactly sharan chose starting his own venture over Columbia MBA, I believe generating alot of wealth in short span of time instills a certain confidence and then that person just sees money as the other commodity
@@vaibhavpatil7767 exactly with windfall gains anyone can retire. Some are just plain lucky. I am not saying they did not work hard but these cases are rare.
How much Unacedmy gave him while acquiring, any idea ?
@@nischalmehta5234 , 3.75 lakhs
@@ramalingamsadasivan2835 well said
The interviewer hasn't done justice to this interview. The energy and clarity that Mr Ravi has bought to the table was fab!
Petition to get the guest to make his own TH-cam channel. !
He has a channel: www.youtube.com/@desifirepodcast
petition to sue wint wealth for plagiarism
@@WintWealthYT thanks wint wealth
May God bless this man with even more abundance, peace, and fulfillment from life. Amazed by his honesty ❤️
I thought this just like other interviews where he boasts about himself and his business etc but he is genuine, happy soul with a great clarity.
The social deprivation point is absolutely valid, seen this first hand myself (moved jobs, earned more but didn't have a manager title). Thanks for the honest and candid discussion.
I am not a person who leaves comments regularly on TH-cam videos. But, the honesty shared by this person needs huge admiration. Very clear opinion with very genuine reasonings at the end. Most of the interviewees usually justify their actions without discussing an honest internal reflection. However, this guy has won my respect 100times. He should keep on teaching at least on TH-cam. People like him are rare in these times of self focused social media.
Most likely there will be non compet clause
Handa sahab.. mazza aa gaya aap ki baatein sunkar... very intelligent advise, early retirement is not the solution, financial independence is
High prices for everything have severely affected my plan. I'm concerned if people who went through the 2008 financial crisis had an easier time than I am having now. The stock market is worrying me as my income has decreased, and I fear I won't have enough savings for retirement since I can't contribute as much as before.
It's recommended to save at least 20% 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 20% 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 investing in the stock market and potentially grow your retirement savings over time.
Considering the increased complexity since the 2008 crash and COVID, I suggest diversifying your financial portfolio. I hired an advisor and successfully grew my portfolio by over $150K during this turbulent market using defensive strategies that protect and profit from market fluctuations.
@@derrickholfman2 That's fascinating. How can I contact your Asset-coach as my portfolio is dwindling?
My financial advisor is “Vivian Carol Gioia” I found her on an interview where she was featured Afterwards I reached out to her on her webpage. she has since then provided me with entry and exit points in securities I focus on.
I just looked her up on the internet and found her webpage with her credentials. I wrote her outlining my financial objectives and planned a call with her.
Money never last….
My neighbour is a farmer own a small piece of land and i never seen anybody more happy than this guy.
He’s on pinnacle of wealth. Long lasting happiness.
He was my teacher at IMS kolkata..back in 2008..so good to hear him again
As a 60 year women from Mumbai. On the death of my mother i was made aware that the finance company that was managing our portfolio had done a really bad job leaving me in financial ruin with just about enough to eek out a living. When all avenues for compensation and justice failed I had no option but to shrink my lifestyle to manage within my means.
With this came a realisation that material things do not matter much. Social acceptance doesn’t matter, if u are happy with your self. The pain is when you are not able to reach out and support and help those that you did and would have continued to do so if it were financially possible.
I loved your interview and your concept of living with your time well spent, I promise you will not regret it. The one aspect I found lacking was how much have you kept aside for giving ? Either thru time or financial aid. Believe me it will be the cherry on top of your cake . I respect your intelligence and foresight. I hope you have a blessed life.
I doubt if any one retires with a thought of making any donations with ones earned money.
@@sunilsood1624 valid, they probably have that concept in their wills if they have an extreme means of incomes like warren buffet and the like, but other than that people who retire....and more so who retire early seldom have the thought of philanthropy as something they actively try to do, more so given how they have a family to feed and kids who are of tender age whose education cost is as high as it is.
I loved reading your comment. It is so honest and straight out of heart.
I am a single guy with higher networth that this interviewed guy and I am still working. I am giving it all away by creating a trust, which will fund scholarships in a US university.
@@ppen8359Nationality?
The point that hit me, was how clearly he said "Change the country. The majority of the career related problems that you are facing, are because you are living in India."
If the people living in our country, the government and the corporates, don't do something revolutionary in terms of labour laws and R&D, then the future of India is going to be unpleasant. There will be lot many early retirements, brain drain and laziness.
This is sage advice. The Indian establishment does not change unless there is a severe unbearable crisis. So instead of waiting for change, building a better more balanced career abroad enhances one's quality of life significantly. Stay in India only is one simply has to, due to some personal commitments, or because one's educational path has limited opportunities abroad.
@@rs9807 not necessarily. There are a lot of rich people in India.
@@rs9807 Old thought. Plenty of people making money here just have to be around them to know.
@@adj33 He is not talking about how much you make but about how much effort you have to put to make that sum of money.
@@myview9553 Yea sure competition is high, but so is the market potential.
Is se zyada sincere interview dene wala kabhi nahi dekha.
Wint Wealth is really pushing the boundaries of finance centric content creation especially after the whole frenzy against furus.
they really aren't. They are just copying content from other creators. Get some original ideas guys
@@D-ug4on source ?
@@D-ug4on but you aren't even doing that how about you stop complaining and get to work
@@vaibhavsharma3535anshuman sharma
@@D-ug4on yeah i saw a similar video a few days back from another creator their production was much better but i still enjoyed this
The most clear, insightful and honest video I have seen on TH-cam.
The candor in this interview was refreshing. A pleasant surprise to see someone open up about their net worth and share actual numbers instead of talking in platitudes.
I love Ravi, he's such a down to earth person. I am in a quizzing group with him, and he also seems to know a lot of general and business trivia. Handa ka Funda was also a lifesaver during MBA prep
most honest interview i heard from this channel , he is good
Wint wealth is doing great job finding these veterans and giving different perspectives on money making and financial sustainability.
But at the same time, revealing themselves about their perspectives and clarity about good businesses and finance.
I could see the founders have good vision on how to expand their business and I see much more things unfolding from them. They have earned my trust.
Bhai sach mein bata rha hoon itni straight forward video , maine poore youtube pe nhin dekhi, mtlb video starting mein hi seedhe point pe aa gye tum that's the thing audience want , seedhi baat no bakwas
The best interview I had ever seen. Thanks to Wint Wealth for finding out such a veterans who had a lot of experience and knowledge.
Glad you enjoyed it!
What a confidential Person !!
He has got clear vision and projection of life
see th-cam.com/video/kJQcDYB5hxQ/w-d-xo.htmlsi=JnV_umt6y7LO7Sfq
I want to start re-distributing my portfolio to some digital currencies and also other stocks with that in mind. I know the second quarter holds a lot of promise. I'm thinking of sharing my portfolio of about 300k over different asset classes. Any recommendations?
No specific suggestions from me, but all I can say is that he's really likely to win. It's really not as difficult to smartly distribute your assets as many people assume. It requires a certain level of expertise, which ordinary investors lack, so a financial advisor usually comes in very handy.
I agree. A financial advisor can really help you re-adjust and identify blindspots that you yourself do not notice, like mine did in advising me during COVID on how the pandemic will shape things, and I made it out big and still make up to at least 20k in dividend per month.
Could you recommend who you work with please? I'll love to establish contact with her.
Melissa Jean Talingdan is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment. She’s really good
Melissa Jean Talingdan is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment. She’s really good
This is epic. Every ambitious person should listen to him & be grounded like him. More power to him. ❤️
Great interview! Well done to him on saving 12Cr before the age of 40.
But I get the feeling that he has retired knowing that he can always earn money either in a paid job or as an entrepreneur at any point in future…🤔
And at the end, he himself admits that early retirement should be the last option!
I'm 39 and nowhere as wealthy as this guy but I have made certain changes which lets me lead a semi retired life. I was frustrated to my core while working in Accenture and I couldn't quit due to a home loan. Put down my papers at 2pm and I was offered a role in UK at 6pm. The 3 years I slogged before that, was not rewarded at all. Went to the UK and saved enough to repay my home loan in one year's time. I was offered my manager's role there as he was being moved to another account but I refused. I could've made a ton of money but I didn't want to be in IT anymore. Came back to India quit at 32. Next 6 months I didn't do anything, at all. I always wanted to do something in photography so took up wedding photography. Unfortunately, didn't work out as well as I had planned. QUit doing weddings and now do corporate photography and street photography which I enjoy. I am an avid travel enthusiast, so I travel solo a lot. Then realised I needed money. SO negotiated a deal with a company that I will work on contract basis and wont be an employee. I now get paid quite well for maybe a week's worth of work. I can get a regular job and get paid double but what will I do with that money when I wont have the time to spend. So now I spend my time with my IT consulting which doesn't take a lot of time, photography, travelling, motorcycle content on youtube.
I still drive my 2010 Swift as there is no need for an upgrade. Do I want a bigger car? Yes. Do I need it? No. I have a flat which is paid for, few plots, and decent earnings. Only big expense I see in the next few years is a possible purchase of a bigger expensive motorcycle. Apart from that I lead a very contented life.
Do you have a family and kids?
@TheRyukDG no and I have chosen it that way. But if I had I'd still be doing OK as I don't spend on things which are out of my means and/or unnecessary.
Well, answers how things were easy from a decision making point of view, right? Most common middle aged men are swept in the whirlpool of obligations that come with a wife and kids thereon. Every single decision is driven by its impact on those attached to you. Good on you for being clear with what is more important to you.
You're following your passion, which is really respectable sir.
I am inspired sir..... Xan we connect on Instagram or LinkedIn..????
This is a wise man. He's not drowning in his ego. He's humbly explaining both sides of the coin. Very informative video. Thank you for making this.
True
Yeh Handa sir k Aritmatic videos dekhta tha main 2012 mein during CAT preparation. His website had lot of study materials, sample questions. Those were different times. Internet penetration was low. Smart phones were not there. I used to check his video secretly from office during office hours.. I think that time he used have a French cut beard. I saw him today I think after 10 years and feels good to see. In a way he was also my teacher. His clarity on his decision is the best thing. He knows his capability, he knows his limitations and he is clear about this expectation from life.
Okay, this guy was one of the top 0.001% earners in India, that's why he was able to do it, most of his advices are for top 3% earners of the country. I think most of us not only don't have the option to retire early/change careers/change countries but we may have to work in horrible conditions for longer than our retirement age, what only can solve the problems are strict labor laws and workers unions in private sectors.
First of all, my hearteous congrations to Ravi for achieving FIRE. Secondly he should not be worrying at all about losing social prestige. The entire society is judgemental.All that should matter to him is his family and nothing else.I also thank Wint Weath for uploading such wonderful interview.Kudos to the netire team.👍👍👍👍
So well said.
The major thing i noticed here is financial freedom that makes a man worryfree and happy
Most down to earth financial advice ever heard
Even I am planning to retire at age of 38 and my number is 100crore. Probably I will achieve it in projected time frame. Very good decision to retire early and become financial independent ❤
And you plan to earn 100 crores through job/practice ?
@@DoorKaRaahi teaching & business
This guy is such a sorted personality…. No big fanda… No complicated terms…. Pure honest opinion….. Worth every second…..❤
He is very frank with his financials.
Appreciate it
A sign of a good video is when you remember about it after 6 months and come watch it again. This is such a good interview by Handa ji. 🎉
This is one of the most straightforward, simple yet the most valuable video I watched on finance. The person is great and takes life as it "should" be.
He is smartest guy I have ever met. Follow his podcast, amazing insights.
Woahhh! The clarity he possesses is appreciative..
This man is wisdom. Would love to watch a 1 hour chat/podcast with him.
He has a youtube channel iirc
Such an eye opener. Amazing thought clarity and it was almost like a big brother giving a lesson for life.
So Surprised to see Handa Sir has retired. I had taken the Handa ka Funda course which was a very affordable and good course for the fundamentals of how to attempt the exam. I also talked to Handa sir over email on how best to prepare for the exam. Glad to know he is doing well in his life and hope he will keep guiding students for CAT even after retirement.
Same here
@Wint Wealth - Good content on early retirement. I hope this person realise and contribute his time now to coaching poor students who can't afford heafty fees at major institutions. This is giving back to society which have him what he intended. Thank you
Wonder why he was not doing that already. Maybe that is one of the clause he signed with unacademy while he sold his company. That is a problem with selling a company you built from scratch. We have that emotional connection much like selling your dog for a million dollar.
Sir , I wish my parents could understood the way you are nurturing your kid.
This life just gone in learning things , if I get a second chance as a human I would make my schooling days better.
The best possibility is that you give a better life to your kids.😊
And try to get the best out of your current life now cause later you should not blame yourself .
I totally agree with owning a house and it being an emotional decision . 💯💯
He is a very practical and logical person with a great sense of clarity. He doesn't spend money on unnecessary materialistic things
This man is true legend in terms of clarity of life❤
No fun without needs but Prioritise fun , he simplified meaning of LIFE...
kisme mazaa aata hai tumko usme karcha karo.
Really GOLD , 15 mins felt 2 mins.
Sucha clarity of thought he has...
Mainly sticking to the decision taken in absolute clarity
this man is a gem ... protect him...
A few observations - This is literally a concrete decision when you decide to retire at such age, like you should have a clear picture and plot on how you're going to spend 24 hrs everyday for the rest of life, 2nd as he mentioned his decisions have became more rationalised which again is very contradictory and subjective, Monetary & Materialistic temptation will always be there hence you would have to be very strong mentally.
Lastly the HOST either hates his job or is envious of him or just had a bad day - no energy nothing, interviewing for the sake of views.
i studied aptitude from him in 2013, he taught so well that i started cracking most of aptitude interviews, sorry to say but i got his lectures for free since one of my friend downloaded them through torrent….its almost 10 years back now
Would have retired two years earlier if it wasn't on torrent🤣🤣
After a long time I am seeing someone explaining his financial journey with such a great smile 😊
Sir your notes helped me crack SNAP in 2018. Great to finally see and learn from you in person 🙌🏻
What is SNAP?
Very admirable honesty from both of them! Thank you for doing this interview and sharing it
One of the most insightful videos I ever watched.
This guy became a philosopher, within few years Mr Ravi will be back to work
Agreed.
Very genuine, when you are speculating on these things, he clarifies, financial freedom is great, but early retirement is not that much.
Finally some reasonable guy I found on social media...
🤝
Hi I could relate to everything u said ..I retired once 12 years back ..travelled..explored ..grew.. came to work after a year ..now retired again and now changing my line ...would like to connect..everything resonated...
Dude could have easily retired 10 years earlier than he did but good on him for going the extra mile to insure intergenerational wealth for his family.
kuch bhi
Hats off bhai 🙏I wish the world was as honest as you ❤
Damn! This guy speaks his mind.. So clearly speaks what is in his mind. Highly impressed with his views!
More and more people might face a tough time in retirement. Low-paying jobs, inflation, and high rents make it hard to save. Now, middle-class Americans find it tough to own a home too, leaving them without a place to retire.
The increasing prices have impacted my plan to retire at 62, work part-time, and save for the future. I'm concerned about whether those who navigated the 2008 financial crisis had an easier time than I am currently experiencing. The combination of stock market volatility and a decrease in income is causing anxiety about whether I'll have sufficient funds for retirement.
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000
Mind if I ask you to recommend this particular coach you using their service?
'Carol Vivian Constable, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.
I was randomly checking the wint videos. I was surprised to see that he is the same Handa from Handa ka Funda. His work helped me a lot in MBA exams preparation.
such a clean hearted guy!!
Very genuine guy..I bet he would have been the favourite teacher of all his students.
Weird start to the video. Random guy walks in and first question "Whats your net worth"😂
He is to the point with hell lot of clarity, knows what to do with his life and time. He speaks with same clarity and enthusiasm as GaurGopal Das while answering. See the joy of his luxury the TIME. As I was listening back of my mind what Jack Ma said this man also feels the same. Early retirement is like real achievement of your hard work else you will die without enjoying the fruits of the tree you nourished throughout your life.
I clicked thinking this is fix your finance episode from Anshuman Sharma
Last 5 mins added more value. I admire his thoughts
Super validating, thanks for making this video. I am in the first year of my early retirement and always confused whether i have taken the right path. I am trying to become a full time swing trader but all the questions keep coming in my mind as this gentleman had and i keep doing balancing and rationalising in my mind. This man has very articulately validated my thought processes and I am confident that I am not the only one. Like him, I too don't have the option to start afresh or leave the country... So I am banking upon the India growth story for rest of my life....
I am in the same boat as him! Retired early at 37 at a much lower scale …. The cons that he talks about are spot on! Thanks for the honesty
Approx how much if you don't mind me asking
His wife is making aplenty, so not a concern in his case.
Great series by Wint Wealth! Thank you guys. Really interesting and cool that the interviewees are also open and share so much. Great insight!
What a practical opinion and advice this Guy has given, you hardly will get such a honest content regarding finance anywhere. The best part of discussion is decay of social value😂😂
He is very honest and speaks the truth, I am able to relate a few problem of early retirement
A very huge portion of this interview being insightful goes to the framing of the questions. They extracted the most out of this already very wise person!
Difficult to retire early with only a salary, some sort of business has to be done for that goal to be achieved at a younger age
Simply beautiful video. Loved it. Very honest and truthful. At least that was my perspective of the video...
Glad you enjoyed it!
The value of content you guys provide is just too damn good!!!
Thanks for your kind words Prakhar :)
@@WintWealthYT Have some shame. Don't thank the viewers. Thanks Anshuman Bhai and his team unka hi toh content churate ho tum log. Aur aata hi kya hai. Roz roz aa jate ho ghatiya copies leke
@@starxd5697 Thats BS. you know what is waste of resources? Millions of beggars in front of temples, mosques and churches and on the road and streets of cities. How much are they adding to the GDP? That guy still(probably) pays income tax or buys from stores from where he is charged GST and other forms of taxes.
This man's opinion is so sorted. You should start teaching in underprivileged areas of Jaipur
He's got a nice personality. Perhaps because he is no longer stressed about the rat race 😊
Wow. What an episode. Take a bow.
Came across this TH-cam channel just now, mind blown by the content as it is giving the knowledge about the most important questions that people have today. Hats off bro keep continuing this work as it is most needed in today's time.
What an excellent interview, the best part is the last few minutes, Amazing
Excellent interview.
Keep a track of your health too as there is all the time in the world to stay fit.
I remember taking the Handa ka Funda CAT course. He was a fun guy then, he is a fun guy now. Absolutely loved hearing to his views. Crystal clear.