Left with NOTHING on MONTH END? | Money Matters Ep. 1 | Ankur Warikoo Hindi
ฝัง
- เผยแพร่เมื่อ 17 มิ.ย. 2024
- Money Matters is a series where I have conversations with normal people such as you and I, on your personal finance issues.
It is important to note that I am NOT a financial expert, I am NOT SEBI registered, and I am NOT qualified to give financial advice.
Everything that I say in these videos is purely through my own experiences.
- So these videos do not offer any stock tips, or specific mutual fund recommendations or get-rich-quick schemes.
- I am not selling any product or service through these videos.
- None of the brands that I mention in these videos have paid me to mention them, unless I explicitly say so (and I will say if the video is sponsored).
This also means that my advice may not always be the right advice. So incase I make a mistake, the best way to correct me will be to share your point of view in the comments, so that everyone can benefit from it.
I am not perfect, nor claiming to be either and would love to learn and grow.
The idea is simply to help people with their finance journey and through their story try to help others who may have a similar story.
If you wish to be part of this series, please fill up this form forms.gle/uj9JPUBp8Wo9nZQi7
Join us for an insightful conversation on financial matters in this engaging video featuring a special guest, Praveen Yadav.
In this candid discussion, Praveen shares his personal financial journey, including the challenges he faces in managing his salary, navigating various expenses, and his aspirations for better financial management. He expresses a keen interest in enhancing his savings habits, establishing emergency funds, and exploring investment opportunities to secure his financial future.
Join us as we navigate through Praveen’s finances, drawing a structured plan involving investment as well as saving. As the conversation draws to a close, Praveen leaves the session feeling optimistic about implementing the recommended plan and confident in his ability to achieve financial stability.
Don't miss this engaging dialogue on financial matters and gain valuable insights into managing your finances effectively alongside Praveen Yadav.
Want to join me on the show? Fill this form and my team will reach out to you:
docs.google.com/forms/d/e/1FA...
00:00 Introduction
02:21 Who is Praveen?
05:03 Current financials
05:35 Praveen's financial goals
06:40 Current expenses
12:00 Recommended Monthly Budget
18:20 My 3-Step Investing Plan for Praveen
26:30 The discipline of investing
29:20 The difficult part
33:05 Conclusion
#FinancialManagement #Investments #warikoo
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My gear for shooting this video:
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🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0
🎙 Shure SM7B Microphone: bit.ly/3O1NAVA
🔆 Fill Light 60W: bit.ly/37aJolP
💡 Key Light 150W: bit.ly/3O9nyjs
📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1
Useful links:
20 books for your 20s: bit.ly/WarikooBooks
20 online courses for your 20s: bit.ly/WarikooOnlineCourses
Gadgets that I use: bit.ly/WarikooGadgets
The above links are on Amazon.
If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L and in 2022 we contributed 53L.
Let’s connect online:
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Money Matters is a series where I have conversations with normal people such as you and I, on your personal finance issues.
It is important to note that I am NOT a financial expert, I am NOT SEBI registered, and I am NOT qualified to give financial advice.
Everything that I say in these videos is purely through my own experiences.
- So these videos do not offer any stock tips, or specific mutual fund recommendations or get-rich-quick schemes.
- I am not selling any product or service through these videos.
- None of the brands that I mention in these videos have paid me to mention them, unless I explicitly say so (and I will say if the video is sponsored).
This also means that my advice may not always be the right advice. So incase I make a mistake, the best way to correct me will be to share your point of view in the comments, so that everyone can benefit from it.
I am not perfect, nor claiming to be either and would love to learn and grow.
The idea is simply to help people with their finance journey and through their story try to help others who may have a similar story.
If you wish to be part of this series, please fill up this form forms.gle/uj9JPUBp8Wo9nZQi7
Buy my new book 'MAKE EPIC MONEY' here: amzn.to/3HEShCR
My Money Apps: bit.ly/3Zg56eR
My bestselling books:
‘GET EPIC SHIT DONE’: ankurwarikoo.com/getepicshitdone
‘Do Epic Shit’: ankurwarikoo.com/doepicshit
My gear for shooting this video:
🎥 Sony a7III camera: bit.ly/3M42wAV
🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0
🎙 Shure SM7B Microphone: bit.ly/3O1NAVA
🔆 Fill Light 60W: bit.ly/37aJolP
💡 Key Light 150W: bit.ly/3O9nyjs
📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1
Useful links:
20 books for your 20s: bit.ly/WarikooBooks
20 online courses for your 20s: bit.ly/WarikooOnlineCourses
Gadgets that I use: bit.ly/WarikooGadgets
The above links are on Amazon.
If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L and in 2022 we contributed 53L.
Thanks sir for knowledge
Hello sir, i learn many things from you but now i want to join in podcast as i also need financial suggestions to secure my future. Thanks in advance
i am just 18 how could i sart investing
and how could i find my first income source
Sir where is the link for joining you in this podcast?
Muje bhi aap ke sath video bana na hai if you interested 🙏🏻
Respect for you Praveen.. being soo responsible and polite.. wishing you a very happy life.
Bhai I have started working when I was only 13 years old and I did graduation and got a job in MNC. Things are more difficult in my life
@@gulzarakhtar9383 ..Great and Life is not easy for middle class and have lot of success story who are struggled. Lot many people are still struggling .
@@Ajitjain1985
I personally don't like it.. Claim karne jaao tab bht saare clause dikha kar reject kar dete hai
🙂🙏💯❤
En sb se pesa praveen h kma ra hai tum ek video dekh re ho eski usme 100000 rs kma ra hai yeh😹😹 aur tum bus thnsk tbks kro
Ladke aise hi mature ho jate hai. Time mature bana deta hai. Kudos to Praveen. Hardworking and responsible
"Praveen is my childhood friend, and such friends are rare who stay with you for a lifetime. My friend is very mature and responsible since childhood, capable of managing any situation."❤
I'm 27 years old and I'm in the same situation...this helped me so much. Thank you for the video❤
I wanted to add here for everyone.
That just in case in future you need money and you left with no choice then stopping your sip and taking funds from that.
Please stop your newest SIP, and keep the oldest SIP running.
Coz in sip magic is in keeping the sip for as long as possible then only it will give you multi fold return which is known as compound interest.
Longer the SIP more the Money
All the best guys
@@AnitaYadav-lo6zw thanks for your advice it will really help me ❤
Mujhe ek suggestion chahiya,,main sip 3500 Rs.karta hu...total 7 mutual fund hai..1 large cap, 1Mid cap, 1small cap, 1flexi cap, 1technology,1 pharma..
Yea plan sahi hai keya??@@AnitaYadav-lo6zw
this concept of having a one on one with a working man to plan a budget is great .... Also love how non judgemental ankur is ❤
Just a suggestion: Don’t directly jump into SIPs and Mutual Funds, giving false hopes. Such an approach can make people complacent when they dream of making crores in 20-30 years. Instead, encourage them to focus on skill development and explore ways to uplift their income.
With your extensive experience in startups and the business ecosystem, consider suggesting relevant courses or highlighting the future scope of their current job. By emphasizing skill upliftment and long-term career growth, individuals will be motivated to work hard, eventually earning exponentially. This, in turn, will provide them with the financial capacity to invest in SIPs
Exactly ! Sip is Overhyped
@@raulsadasiv why can you provide a robust answer? to hedge against SIP
@@auroraborealis8976because capital matters dude. You need to earn first, big amounts, that 5k-10k-20k SIP is that really how you want to be wealthy. Have some ambitions dude and focus on ur skills, so that you can do SIP of lakhs per month instead of mere 5-20k
Ankur has already covered all these topics years ago
From Ankur
Don't teach father how to make babies 😂
It is not always possible to exponentially increase income in all jobs and skill upliftment is not available in all cases. For example, if someone works as a delivery agent what skill upliftment do you suggest? Or even a govt staff? Would you ask him or her to leave their job by doing some courses which may not have any value afterwards?
For majority of people in India who don't work in MBA and IT jobs, their income increases linearly so SIP is a great way to save for future.
Thank you Ankur for starting the series. I have been listening you for last 3-4 years. And lately your podcasts are my regular companion during my morning walks, office comute, cooking my meals etc.
With your lucid explanations you have made the journey of personal finance really interesting for commoners like me.
Please keep doing the good work, all the best 🙏🙏🙏
Ankur u gained lot of respect for what u r doing now.....giving direct money management to middle class people who struggles to manage money.....bhai bhut badia kam kr rhe ho aap....keep it up
In 2011, I was in the same place as him. Responsibilities and loans bring pressure on men and we become vulnerable to boss. Appreciate these videos and also Ankur was supportive. I agree with what he said. Start a small SIP and you will never realise how it grows over time. In fact add more to PF which I did when I lived in India and it grew by 8% which is still silently good but not as MF or stock market. My father asked for FD which was a big mistake and I lost money appreciation. Hope to see more videos like these ❤
This video is so relatable to millions of salaried people. Thank you for the very honest conversation and valuable advice.
Hello Ankur, my name Milan Rai from Sikkim. Now I'm about to be 38 years old. I have married to beautiful wife Mikal and I have beautiful daughter Genesis. I have wasted many years and didn't save money. I have been watching your videos regarding saving and investing money and excel formula since last 2 years. Since then I started investing in Mutual Funds and doing extra saving.
Planning to build a house or planning to buy land along-with house on a loan.
Thank you for amazing, healthy and life-full videos. Thank you so much again for this kind of episode and your kind and honest conversations.
Legend are watching this with zero monthly income 😂😂
Yeah 👍😂
Yeah.😂
😂😂😂
Yeah 😂😂
True😂
Thanks Ankur. ♥ Getting real people on the show and they sharing their finances, and you advicing them to manage money helps majority of us. Majority of us can relate to this. We all fall in this category of 'end mein kuch nahi bachta' . Thanks Praveen :)
Ankur you are so kind and warm. I can see how you give respect to each individual. God bless you always
Praveen is so honest. Hats off..salary class can relate so well
What a beautiful conversation ❤❤..Ankur is just phenomenal in how he made Praveen so comfortable in this discussion..Brilliant mentorship❤❤
It was incredible ankur. I'm setting with my pen and paper and learn more. Thank you
धीरज रखो क्योंकि हर
नया परिवर्तन आसान होने से
पहले मुश्किल होता है
Thank you so much sir 🙏🙏🙏
Keep continue this series
And inspire us
As i follow you since 2022
I see lot of improvement in my life
❤
Please continue the series sir seriously It told me way more than learning by just watching videos cause it helps me to learn practically. Sir please continue.❤
Humbleness n politeness is always respected
It's amazing to see this conversation with praveen. Usually, people not get such a good councillor. SIPs always a good option to start saving. And as praveen said some expanse comes suddenly, for that purpose he can start RD which can be break at any time for such sudden needs. I never get such a good council but i must say this is fantastic. Hatts of to ankur and praveen for a great conversation. My best wishes to both of you.
This is excellent. I have been sitting on money and i never realised it could have done so much for me. and eradicated my insecurities.
Ankur sir don’t stop making this type of series, may inspire others in many ways keep going❤
Omg, what a great episode. Wow! Full of learning. Completely relatable.
Sir, with due respect, pls accept my regards. Keep rocking
This video is very helpful for crores of people like Praveen , there are soo many people who are struggling to manage their own savings.and thankyou soo much sir for your kind information.
Oh Bhai isko kehte hai a proper stretegy, I'm proud to be warikoo fan.
Keep doing good work, Love From Karnataka ❤
Please ese vudeo aur babao.....
And this boy k liye bhi salute. बहुत hi himbal hai praveen . wishing a very good life.
Great use of Digital India via YT. Thank you Mr. Ankur warikoo❤
Amazing. It had the real life touch... continue this series please
Thanks, Ankur. The best part of this video is investing your money before managing your needs and making it a habit.
Please Keep continue this series
Please keep uploading such videos !!
Hats off to Ankur Warikoo real listener Very patient personality
Sir vedio बहुत ही अच्छा है और लाइफ मैं बहुत कुछ करने का मोटिवेशन मिला।
थैंक्स यु अंकुर सर
Bahut hi acha laga ye videoo
Thanks ankur ji🙏🙏🙏🎉🎉🎉
It's working...I just finished make epic money book..it's a very fantastic reading journey...I recommend this book to each and every one at their 20s, 30s or 40s..Thanks a lot Ankur Sir
Keep continuing this series 🤠
I am 25 year old IT worker unmarried but I literally dont know how SIP work and what happens if I loose my money. It has been 3 years I have worked but I never saved my money in SIP. I do not know what should I do and how should I move forward
This will really help common people in making financial decision , really appreciated, pls continue the series for welfare purpose
Wow! Very simply put and rightly said. I have just started my own Architectural practice. I will follow your advice, 'though I'm facing hardships now, I know things will become a routine and I will be able to get up a good practice with time.
Praveen is in that situation because his family only depends on him. His wife is not earning. If wife and husband both earn the money than investment will be double and family will also have a good life. Anyway the plan given by Ankur sir is very interesting and reasonable. All the best Praveen.
16.00.... I started saving same from college days from pocket money.... It works so well....!!
Excellent Ankur Sir. Experts generally take interviews of successful people to show the secrets of their success. But what you have done is really great. You have actually shown a beginner,the path of success. Even though Praveen is from a humble background and struggling to meet his ends,you have raised his confidence to begin his successful journey. Hat's off to you,Sir.Looking forward to more such inspirational videos from you.🙏🙏🙏
So much respect for you Ankur. God bless you for what you are doing .
Team Ankur, I think you guys can make a episode where you can check up on these people after 1-2 years later. like an UPDATE EPISODE. So many people are doing these types of video however there is no follow through to know what they have really learnt or changed their lives around. 😊
Hi Ankur, it is a good initiative to support people, I liked the way you handled the call. You mentioned that investing in SIP will grow your money upto 16 times in 15 years. I did not understand how. Also can you explain how a lay person can start investing in SIP and track them.
Hello Ankur, Sir, this is the Podcast we have always wanted. Sir, really Ankur Sir. Good Initiative to solve Indian problems❤❤❤. And the Name Implies far more than that-
*MONEY MATTERS*
One of the most genuine and relatable conversation , will help lot of people from this video.
Before doing an SIP, Praveen should buy Life Insurance, since his entire family relies on him.
U r correct
00:01 Key tips for managing funds and savings
02:18 Praveen Yadav's journey from learning English to becoming a program manager
07:10 Budgeting for monthly expenses and savings
09:44 Struggling with high credit card interest and low savings
15:09 Commit to a responsibility and start a SIP to invest the money left at the end of the month.
17:55 Plan your finances wisely to balance needs and investments.
22:32 Investing in small cap mutual funds for long-term growth.
25:08 Importance of discipline in financial planning and investment
29:29 Investing in SIP and Provident Fund for long-term wealth growth
31:55 Handling money is not difficult, just requires commitment
Thank you Ankur. We feel very much connected with this type of videos. Please make much more videos like this
This is a fantastic approach and this is 💯% real scenario of common people.
Legends are watching with 10k salary 😂
😢😂
Sahi kaha bro
Hey Praveen, idk if you will read this but I have a few pointers for you. Try and implement if you can. It's better to be safe than sorry later.
1) Don't wait for a bonus. Get a term plan immediately. With monthly premium mode if required. SIPs can wait.
2) Assuming your father is a senior citizen idk if he has a health insurance or not. If you have a corporate health plan then pay the little extra premium and include him in it. That's the bare minimum. Later consider a separate health insurance for your parents. If your father can pay then well and good, otherwise pay it yourself. You won't regret it.
3) Since you are young maybe your grandparents are alive from both your parents end. If so try and talk to your parents that who will bear the expenses if any hospitalisations happen. Because if your parents are dependent on you, then in all probabilities your grandparents medical expenses might fall on your shoulders as well. Discuss with your family.
4) You are married. Your wife has parents. If she's employed then ask her to include her parents in her corporate cover. If not, then have a discussion with your wife, about who'll bear the expenses in case of hospitalisations. If they are independent then make sure they buy a health cover. Have these discussions.
(All of the above if not taken care of will ruin all planning. Trust me. One hospitalisation of any of the above people and in all probability you will end up in a debt trap. SIPs can wait.)
5) Emergency fund. Very very important. All the money you are saving right now use it to set up an emergency fund. Emergencies come in all forms and not only job loss. Mobile stops working, fridge stops working, AC maintenance guys from Urban Company puts up a bill of 10k for repair, neighbour puts you in a pointless legal battle etc etc etc. Build an emergency fund of 6 months of your expenses. SIPs can wait.
When any of these happens, the first thing you will stop is the SIPs and pull out money from the invested funds, because you can't avoid any of the above expenses. You have to spend.
This is why emergency fund is important. It helps you keep investing in your SIPs. Otherwise one emergency, and that month's SIP is paused or worse, money redeemed from the mutual fund.
6) Yes. You are thinking its difficult. But if you do all of the above, then the goal of staying invested for 15-20 years will be achieved. An average SIP is stopped within 3.5 years. Average life of a folio is around 6.5 years. People only sell stories of staying invested for 20 years. And this is through regular funds. Direct plan investors stay invested for even lesser duration. I feel it is so because no one takes care of all the 5 points i stated above and they are forced to pull out money.
I am happy to answer if anyone has any questions. Also I'd like to hear different opinions. Thanks if you have read till here.
Great points really ❤
Totally agree on emergency funds. I did not agree when he said they are secondary and was expecting Ankur to include that but he didn’t, don’t know why…this was a very good advice. I admire that you took the time out to list these down.
my salary is 35k i have loan of 16k and room rent is 10k i am married with 1 year old son can you suggest me anything if possible i am ready to be invested 20 yrs
Maa card hai bhai. No need of LIC
@@kritidipdas8011 considering your term and health insurance is in check, I'll assume two important goals for you would be retirement and your kid's education.
As per your comment you're left with 9k after all expenses. Since the amount to invest is not huge, better to follow a single portfolio approach for both your goals. I don't have all your info, so general suggestion would be to invest the 9k in any index fund, and increase the amount each year by 5-10%. Do this for 20 yrs and you'll do good.
Other aspects are asset allocation, annual rebalancing, reducing equity exposure but it's hard to explain everything in a comment. I'd say try and find a 'trusted' personal finance professional who'll do it all for you while you can focus on your work and family.
Very nice, I definitely likes this series. Im following since 3 yrs. Thanks for guidance always u give us❤❤
Thank you so much ankoor sir .. plz keep uploading such kind of vedios these inspire us about our finance tremendously .
Investing in the stock market has HISTORICALLY provided higher returns than other forms of investment. According to Morningstar, the average annual return for the S&P 500 index, which measures the performance of 500 large-cap stocks, was approximately 10% in the last decade.
Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over $610k just in a matter of weeks/couple months, so I think there are a lot of wealth transfer in this downtime if you know where to look.
Even with the right strategies and appropriate assets, investment returns can differ among investors. Recognizing the vital role of experience in investment success is crucial. Personally, I understood this significance and sought guidance from a market analyst, significantly growing my account to nearly a million. Strategically withdrawing profits just before the market correction, I'm now seizing buying opportunities once again.
That does make a lot of sense, unlike us, you seem to have the Market figured out. Who is this consultant?
Monica Shawn Marti is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Thank you for this Pointer. It was easy to find her handler, She seems very proficient and flexible. I booked a call session with her. Hope she reaches out, because i have been trying to switch to a professional consultant.
Sabse pehle personal loan niptao, fir investment shuru kardo
Thankyou so much Sir for bringing this video...I earn similar amount and I was struggling to manage my money till now. I hope I can do better from now.
Thank you Ankur Sir for this wonderful video. What a quality content and a amazing series ❤
Looking forward to more such videos
सुल्तानपुर वाले लाइक करो, बे!
Amethi wale kr sakte hai like🤣
@@Gyaanibaaba270 अरे बिलकुल
wariko earn approx 500000-6L from this video is bande ki puri saal ki salary 🤣
Its good. Mehnat kiya h to mil ra h bhai
Respect for Both Ankur ji as usual and Praveen ji...
My old friend - Well done .Great to go through your videos. A noble cause. Keep it up buddy. Impressive bro.👌👌
I think Ankur Sir must keep on launching more and more episodes of this particular one on one session program. There are so many aspects on money related matters that we must really have a knowledge about. This episode is very informative and I think there many more 'Praveens' out there in this entire nation who all are facing similar problems and having to pass so many hurdles financially. Eye opener for everyone. Really good content!!
Thank You Ankur Sir for detailed information this is the best example with so many middle class people can co-relate.
Thank you so much Ankur.I saw your video with Praveen and learn many things to save my money.
Exactly same situation of mine which is Praveen Facing.
I am seeing all videos and getting so many ideas and key points to implement on me.
Keep on posting like this good things and God Bless You.
I like so much your content.
Great content, Ankurji! Keep up the excellent work. I find Praveen to be remarkably clear-minded and inspiring.
This is an amazing concept. Please keep making more.
What a video Ankur, thank you so much for such a motivating content. Respect & lots of love 😊
That's awesome session...i appreciate your efforts sir for making these series...it helped a lott
Huge respect for Ankur sir .. Such a jam person you are ❤
I agree with you Ankur Sir. I started with keeping for expenses n then investments. Now I plan for investments and then expenses, my perception itself has changed! My personal experience
This is a good podcast theme which you have started. And also would be helpful for many people to relate with their situation and get new insights about personal financial planning. Looking forward for many episodes as such.
Takes courage to come out and discuss about salary and associated stuff. Kudos to you Praveen.👍
Respect for you, warikoo. You are an angel.
Great video, Ankur! I am about to finish your book MAKE EPIC MONEY, it is very helpful.
I am 32 now, and I wish I had received such a book in my early 20s.
Keep posting good-quality content.
Thanks a lot, man!
Honestly ankur i started believing in you as my own family member thank you for this knowledge-full video.
Much needed this type of conversation ✨ this will help a lot
Just loved his spirit and attitude of investment and Ankur is so humble person ❤
Praveen, you are in a road to success. Ankur sir, keep helping many others. This episode and coming episodes are going to be hit and helpful.
Thank you Ankur Sir.. What a content loved the entire conversation.. hats off to you sir and Praveen love for you dost❤
Very insightful video! Thanks a lot for your time & efforts! 👍👍
Thanks warikoo for this series..please keep continuing this
A brilliant concept to solve this types of real life problems, cz always life doesn't really on laws.
Sometimes we need to customize them depending on many situations!
This series is going to help many peoples like us...thank you sir...
Great communication..pravin is humble and powerful.
Very nice initiatives. Advising average class people in society is gerat job. I like this. Great going!!!!
I love your attitude ankur sir...so politeness..so humble...it motivate me ❤
Respect sir👏 Thank you for this podcast series. I can relate to it very much
Praveen you are amazing person.
You are such a humble and sweet.
All the best brother
Thank u Ankur for helping us through this series..lots of respect and ❤❤❤❤❤
bahut kathin hai yah kaam par maine sikh liya aap logon se thanks sir ji
Loved this episode.. bless u guys!!
Praveen, I just wanna wish you very best for the future. 😊😊 You seem very genuine & all the best!!!
Amazing video@Ankur Warikoo.
The Video was really amazing and will surely work on it.
Ankur great job, in the near future, when you look back, so many people would be financially well, independent, free, u would be instrumental for the huge change in their life. More power and success to you. Keep up the good work.
Nice Episodes series. Very very helpful. Thank you...😊
Got goosebumps, what an amazing initiative!
Praveen is already doing good work 💯 and now about doing better 💪 ❤ huge respect for Praveen ❤