Excellent - especially the statement - going straight to the deep end of the ocean rather than starting at the shallow waters - very profound statement!
@@SK-gs6xb when compared with MF, they- 1. Lack transparency 2. Have a higher expense ratio 3. Less diversified 4. Require higher capital and higher risk ULIP, PMS and almost all of the traditional (non market linked investment) plans were made just to fool the investors.
@@SK-gs6xb when compared to MF 1. Lack of transparency 2. Lower diversification 3. Higher risk 4. Higher expense ratio PMS, ULIP and most of the traditional plans are useless.
Sharan, excellent work. Thanks so much for this interview with Ms Monika Halan. I am an admirer of her work. Ma'am has highlighted so many critical issues in Our society ....that too in such a clear and cogent manner....what a calm and measured voice/ tone!!
At 5:30 what she is saying that exactly what I am doing for my family, my wife doesn't bother to know but as a responsible man, I must record all assets for my family as anything can happen in today's world and no need to worry sharing those data with your partner unless you have trust issue ❤
At 3.5...he asks what are we doing wrong in teaching our daughter ....BUT ..its for both ...Sons and daughters need to know finances and how it is a shared responsibility when creating a family ...i see that sharing and getting the wife into the financial dealings also becomes an ego issue for men if they have been too stereotyped into the male role
Hi Excellent coverage of managing money The inclusion of a woman in the family discussion is still lacking in our culture Of course it has improved a lot but still not enough Hope for the best Domination of a man still exists Thanks 🙏
Domination of man is still there because he is the one who work hard for earning the money and he knows the hardship and value of the money, so money matters still remains with the man.
Even if an independent woman makes money, it is mostly women doing the most work for the family. Almost all working women do two shifts (job and home) unlike men. Aside from facing motherhood pe4nalty in job, women face physical setbacks because of pregnancy and chld brth. And most of the child care and household work is still done by women. Not to mention taking care of elderly parents in law. My friend who is working in a high pressure IT industry still has to make food for all the people in the house (6 people in today) and she has to cater to in laws too (she has to do things like make coffee for them every morning and given them milk with turmeric as the last thing before bed). Also, if kids or in laws are sick she has to take leave. Husband will do nothing.
I think it is better to have a two elections like One centre one election and All states one election. I think this will be a good one thinking about the points on resources distress and national voice over regional voice
But the point is, matrimonial dispute's laws are not gender neutral in India, they are biased and favoured the women most; so the allocation between spouses is not that much easy what you think.
I met with a life threatening accident. To get better care i moved to my parents house as wife was working and taking care of child. I am jobless and couldn't rejoin work in near future, so my send me a divorce notice. Lol. Men can keep their assets in their wife's name but women will throw the man if is not useful to her.
it's going vice versa,there are men and almost very less who are really good at house management as their traditional wives and handling kids also,no one accepts that,men are one of the most underpressured and no valued person,women are good in every space,if men are becoming good traditional house makers ,then what's a shame or problem,the problem is everybody listens women now
Strongly disagree that Many educated women beg money from husband after separation Women want to enjoy free money and filed many cases I against him S some Women are beggars and they have to change their attitude
Many women play dumb and not trained to talk about money even when they are growing up. Stop playing dumb and don’t blame on your math skills! If you can’t figure out, get someone who knows and take charge. Watch and learn from someone who’s doing a good job. Get a skill which earns money in case you are cornered. Don’t blame on others!! Empowering women is the answer!!
Kitna manipulative badass Idea de rahi h 50% assets wife ke naam build kro ....in this age where marriage is falling.. distrust in couple increasing... Never merge your assets with spouse..keep it seprate thing like individual being. It's partnership jitna contribute karoge utna hi stake rahega.. Mard ko suicide Krna padegaa in case of divorce which is a increasing trend. Golddigger jaat is increasing very fast in our country.
Women are discouraged from discussing money and finance matters. Boys are also discouraged, but they start to learn from internet and from their seniors and from friends once they grow up. Women on the other hand are frowned upon and nobody wants to listen to them talk about money, they are being told thry are acting oversmart and often undermined. Most content creators of educative subjects such as finance are also men and hence their views and thinking matches with other men, hence have more male audience. We should have more women coming out and creating content so that more women can view their content and learn. Women in villages are on the other hand active in govt given freebies and cash distribution schemes. Those people cannot manage money but still are on the forefront of getting free money. It is the biasness of our society. Simple example - if a family can afford money for 1 mobile for children and internet bill, and they have a teenage son and a daughter, they will give the mobile to the son and not to the daughter.
With due respect I totally dont agree parenting is an issue with financial literacy I am a 30 yr old male . No one taught me about mutual funds or share market, stocks at home or school or college. I have mutual fund since 6 yrs all thanks to youtube and finance blogs But very few of my female friends and cousins with same school ,college upbringing have interest in investment Even I have never heard any girl talking about stock market in whatsapp group we have. Where as in our boys group its an active topic. There is no specific reason Its just something that doesnt interest them or they dont have to simple!
I agree, my dad actively persuades me still to reduce exposure to stock market. All I learnt was from seminars I attended and later online. It's driven by interest predominantly.
Everymonth we need 2-3 days just to manage money … something is missing this kind of planning is needed only if your income is above certain level… people earning 1-2 lakhs per month should not worry about this
you all have to understand that when she is talking about woman having share in man's assets she is talkingn about homemakers who devote their time and energy in the households and are always left vulnerable if their spouse or the breadwinner of the house is gone. They have to have assets on their name for the sake of their children and themselves and they need to be aware of it as well. A financially independant woman will still earn after husband is gone , she will be worse off but not vulnerable and her children will also be worse off but not vulnerable.
Better way to look at it is, whatever assets are created after the wedding by either spouse, needs to be considered before deciding who gets what and this should apply in either direction and depending upon how many years they lived together. The idea is to avoid financial collapse on one side, typically the woman, as they rarely marry non earning man. And it's also quite fair to give some weightage to the amount of time woman spent in child birth and care even though it can't be easily quantified. The idea can't be to equalize wealth. Family is a support system for sure but you can't split credit or professional success in half, unless you are willing to split credit everything in half, the good and the bad. Plus apart from earning, there are other factors like spending and investing habits that affect the resultant wealth at the time of separation. Cases like that recent YT video where woman's lawyers was depending 4 cr settlement despite marriage lasting just 6 months and her having 30 lakh CTC should be canned and flagged as a waste of court's time.
Even if the independent woman makes money, it is mostly women doing the most work for the family. Almost all working women do two shifts (job and home) unlike men. Aside from facing motherhood pe4nalty in job, women face physical setbacks because of pregnancy and chld brth. And most of the child care and household work is still done by women. Not to mention taking care of elderly parents in law. My friend who is working in a high pressure IT industry still has to make food for all the people in the house (6 people in today) and she has to cater to in laws too (she has to do things like make coffee for them every morning and given them milk with turmeric as the last thing before bed). Also, if kids or in laws are sick she has to take leave. Husband will do nothing.
@@manifest2203 Women doing most of the house work is an old fast changing observation that is carried on for convenience of argument. Especially in urban & semi urban areas where around 45% of our population lives, where both work outside, it is more or less equalising now. Not to forget women in question here are often kaamwali bai and not the women of the house. Even lower in middle class homes you find house help for washing dishes, cloths, dusting etc. And these working women complain about their house help with their peers about how their kaamwali takes leaves and asks for raise, while they do the same at their respective workplaces. You're also ignoring how much fridge, washing machines, dishwashers are spread, and also the ease of online ordering of food and more importantly of groceries. You're painting a picture of a non urban family where women typically are not engaged in formal work and often do some home businesses like making papad or pickles, which is also valuable definitely but cannot possibly be as physically and mentally demanding as formal pvt sector job or they are in work that doesn't take the entire day like teaching in school. Pregnancy and child care are definitely things to consider, hence I have mentioned to give some weight to that and to the years the couple have spent together. 6 months marriage can't be considered the same as 6 year marriage with 2 children to provide for. Wrt to your 2nd comment: Family system has already changed significantly, among 2 working households fewer and fewer live in big families and now couples move out after the wedding away even from the man's parents. And where it hasn't it will, like dietary patterns & financial habits, it takes time but starts changing when there is need
Sharan, could you please discuss more on asset allocation between married partners? Pro-rated contri to joint expense account seems practical. But asset allocation based on remainder after personal expense? What if one partner is earning less as they are keeping career low profile and prioritising the family?
Financial literacy is important irrespective of gender. However, if a couple has to think of their share before spending then there is something seriously wrong. It's like MY money vs OUR money. Money has to belong to the entire family irrespective of who is earning.
Theoretically you're right. But in reality, a couple are also indépendant people with their own tastes and preferences, and a marriage does not undo it. So conflicts are natural, and the best way to address it is to portion the finances.
Even if an independent woman makes money, it is mostly women doing the most work for the family. Almost all working women do two shifts (job and home) unlike men. Aside from facing motherhood pe4nalty in job, women face physical setbacks because of pregnancy and chld brth. And most of the child care and household work is still done by women. Not to mention taking care of elderly parents in law. My friend who is working in a high pressure IT industry still has to make food for all the people in the house (6 people in today) and she has to cater to in laws too (she has to do things like make coffee for them every morning and given them milk with turmeric as the last thing before bed). Also, if kids or in laws are sick she has to take leave. Husband will do nothing.
What happens to a girl's financial independence after a divorce ? Why is it that in a court of law, suddenly, some girls remove the "in" from "in"dependence and demand for an alimony?
Even if an independent woman makes money, it is mostly women doing the most work for the family. Almost all working women do two shifts (job and home) unlike men. Aside from facing motherhood pe4nalty in job, women face physical setbacks because of pregnancy and chld brth. And most of the child care and household work is still done by women. Not to mention taking care of elderly parents in law. My friend who is working in a high pressure IT industry still has to make food for all the people in the house (6 people in today) and she has to cater to in laws too (she has to do things like make coffee for them every morning and given them milk with turmeric as the last thing before bed). Also, if kids or in laws are sick she has to take leave. Husband will do nothing.
Even if an independent woman makes money, it is mostly women doing the most work for the family. Almost all working women do two shifts (job and home) unlike men. Aside from facing motherhood pe4nalty in job, women face physical setbacks because of pregnancy and chld brth. And most of the child care and household work is still done by women. Not to mention taking care of elderly parents in law. My friend who is working in a high pressure IT industry still has to make food for all the people in the house (6 people in today) and she has to cater to in laws too (she has to do things like make coffee for them every morning and given them milk with turmeric as the last thing before bed). Also, if kids or in laws are sick she has to take leave. Husband will do nothing.
Indian parenting is on other level they don't care about children because their own life is unknown , they have their childhood trauma , anxiety and stress between families
She just explained basic thing about finances considering the couples having goody goody things in their relationship; but practically hardly few couples will be there with such ideal things.
@@kavishwarmokal124 these are not ideal but worst things. These things may work in West where there is no concept of alimony or maintenance but these things don't work in countries with maintenance laws!
It is easy to blame parenting for everything. Men learn finance not from parents rather. From TH-cam, from friends, etc. women also can do the same but they do not as they are not interested as they always got "kamao husband"
That's exactly what comes down to parenting. They tend to choose an earning partner where earning for themselves is a choice. This is instilled when they were little girls one day you'll be passed on to your husband's home from ours and he's going to take care of you! This exactly this needs to change . Till then lot of women don't go and watch videos because there is no sense of responsibility towards finances unlike men who are also raised ever since they were little boys by telling one day you are going to be a provider you should take care of parents, wife kids etc! When parents raised kids as kids without prioritising their gender things will turn out better. In this generation lot of that is slowly changing. But still very slow.
The speaker and sharan missed a two basic things happen in family practically; 1) 498A and other legal extortion tactics leaving men in disbelief. 2) seriously no one has seen sisters fighting with brothers for share which even brothers don't have it and sisters pulling the assets number from thin air!
बहुत दिन हो गए खाए, भूख नहीं रोक पा रहा, कृपया कोई मुझे नौकरी दे दो, मुझे दैनिक भुगतान चाहिए, क्योंकि मैं और मेरा परिवार बहुत दिन से उपवास कर रहे हैं, काम कोई भी हो, कितना भी कठिन क्यों न हो मैं करूंगा, अगर कोई नौकरी हो तो कृपया बताएं।
Kitna manipulative badass Idea de rahi h 50% assets wife ke naam build kro ....in this age where marriage is falling.. distrust in couple increasing... Never merge your assets with spouse..keep it seprate thing like individual being. It's partnership jitna contribute karoge utna hi stake rahega.. Mard ko suicide Krna padegaa in case of divorce which is a increasing trend. Golddigger jaat is increasing very fast in our country.
I do not agree with her argument at all regarding sharing assets in spouse's name. I am happily married but i have to be practical. In case the marriage ends in a divorce, she gets to keep 50% what is already with her and claim 50% of my portion taking her share to 75%.No wonder Indian men do not discuss Finance with their spouses and never should. With the existing laws which favour women, men has to be very careful with the finances, I would recommend to put 50% of earnings in name of parents so that the maximum share a wife can claim during divorce is 25%. Marriage is a business
Kitna manipulative badass Idea de rahi h 50% assets wife ke naam build kro ....in this age where marriage is falling.. distrust in couple increasing... Never merge your assets with spouse..keep it seprate thing like individual being. It's partnership jitna contribute karoge utna hi stake rahega.. Mard ko suicide Krna padegaa in case of divorce which is a increasing trend. Golddigger jaat is increasing very fast in our country.
I think in India the whole business thing was propagated by parents acting desperate to marry their daughters.. The market senses desperation and desperation in any case is always taken advantage of.
It's been a long time since I ate, I can't stop my hunger, please someone give me a job, I need a daily payment, because I and my family have been fasting for a long time, no matter what the work is, I will do it no matter how hard, please let me know if there is a job.
5:58 you are living in 1950's, why the husband should built assets on wife's name? Tomorrow wife will file several cases like domestic violence, dowry demand, 498A againt husband and ask for exorbitant money for settlement, assets built on her name will be her's only and then after she would claim husband property as a settlement deal; so I am disagree with your opinion.
Do you live your life thinking to marry and then get divorced? Why do you think your wife will definitely ask for divorce without no reason? If she is asking for divorce that means there is incompatibility issue or abuse. If she is asking for divorce without any reason just to grab your assets, that means you did not have the ability to judge the person you are marrying before marriage. She is a scammer. If you have so much trust issue, then you should not marry that person. Do you just stay inside the house and not go outside because there are so many criminals roaming, accidents happening?
@julies5085 look at the recent incident of Atul Subhash a banglore techie, what's happened to him; just rummages through court cases (hearing) available on social media where few months of marriages are leading to wife filing fake cases and demanding huge amount for settlement.
@@kavishwarmokal124 I know, Atul was not able to judge the woman and her family before marriage. In many such cases, even in Atul's case they met via matrimonial website and did not spend sufficient time knowing each other. Our law is broken and evil police, lawyers and judges taken advantage of victims. But if you do not want to ensure safety and security of you wife and children in a patriarchial society with harmful people, that is upto you. Our society's evil people in various aspects tortures a woman without a father and husband. There are many cases of domestic abuse, most of which are not even registered. Police does not even register cases of molestation that happen on daily basis with women. It does not mean every man and his family treats their wife and daughter in law the same way. Monika ji is not encouraging in any way wives to take advantage of their husbands. She is speaking logically about how a man and woman as a family together should manage their finances so that arguments and conflicts can be minimised, lifestyle can be maintained and family's risk can be minimised.
This video is about a married couple's finance management together as a couple. Monika ji has not asked any woman to take advantage of their husband. Atul's case is a tragedy. But does not mean every woman does this extortion with her husband by filing false cases of violence and every. Just like that every husband does not abuse his wife and every woman's in laws are cruel to her and treat her like a slave. I don't understand why you have to bring extreme cases example. If you are so scared, then do not marry. Do you mean to say that all women are waiting for marriage and file false cases on their husbands after marriage? You need to have understanding what kind of person you are choosing to live your life with. Even I watched Atul's video. It appears he was not able to judge the woman and her family - he being a matured man thought a less talkative woman means sushil sanskaari. That's the result of poor judgement. We should all take our time to know and trust another person - be it friend, family, to-be partner, relative or stranger. If you are a married man and does not recognise the contribution of your wife to your family, then I feel pity on you. You want to keep all assets in your name? What is the security for the woman then? She will have to be dependent on you like your slave with no respect even after contributing to your household and to your relationship. And if you someday decide to torture her and bribe the police and judge, then she will be left to the streets vulnerable without roof over her head. I saw a news video where a pregnant lady in Delhi was subjected to harassment by in laws. They paid money to the lawyers, to police - nobody was helping her and she had to stand on the road asking for her.
In india keep everything in paper correctly as wills etc. but nothing in wife name. Indian law is against men. Men should save itself from wife and in laws.
Maybe research the law before asking ignorant questions. For a married woman who dies integrated (without a will) her property, even inherited property, goes to her husband, children and in-laws, according to the Hindu Succession Act. The reverse is not true. A daughter-in-law has no legal claims on her in-laws' assets even if she lives with them and has spent decades caring for them. Honestly, Indian men should not get married. You will do everyone a huge favour 🎉
Bro 2 things i wanna say, correct them - 1. In the title you have written SEBI Chairperson while she is just a writer. 2. Please do a priper haircut men, your side hair style is looking weird
Everything right and informative but what about culture and profound science which says by adorning women with cloths and jewellery's you bring luck and grace from almighty. Why we following western mentality in marriage? what you do with savings if you cant adorn your partner? if your money is yours then where is love ? Everything should be joint the spendings the savings . It should not be discussion point like what if one partner spends more who going to wear bangles and necklaces and long earrings and handwork lehengas ? so are you going to compare spendings of girl child and boy child? Lets create nation where its said to worship nari in every form.
harsh fact: with the advancement of AI, jobs will decrease. and then their will be a policy, first in west and then all over the world "One family One job". then it's upto hubby and wifey to choose who will stay and who will work. and for me, if hubby chooses to stay and sends wife to work, it's such a shame. but at the end it will be a personal choice of both.
Sharan,bring Monika madam often, she's very honest and candid.lovely personality.
Excellent - especially the statement - going straight to the deep end of the ocean rather than starting at the shallow waters - very profound statement!
Monika mam is like a calm voice in a screaming match which tells us the right path..
Love her hair.
Same here! I admire the fact that she did not die her hair
wow her voice is so soothing
Some women conveniently stay away from finance , so that they can spend it 😢😢
Thank you for explaining so simple and plain. Your way of handling the money and letting us know is appreciated.
I mentioned in one of the previous videos about how PMS are totally useless. I am glad someone said it on the camera
Can you share ther timestsamp?
@@neil791512.40
@@expeditingvineet Why is PMS useless?
@@SK-gs6xb when compared with MF, they-
1. Lack transparency
2. Have a higher expense ratio
3. Less diversified
4. Require higher capital and higher risk
ULIP, PMS and almost all of the traditional (non market linked investment) plans were made just to fool the investors.
@@SK-gs6xb when compared to MF
1. Lack of transparency
2. Lower diversification
3. Higher risk
4. Higher expense ratio
PMS, ULIP and most of the traditional plans are useless.
The fact that an independent woman brings finances to discussion in alliance for marriage is still a taboo
According to women, her money is her money. Men's money is also her money.
And it should remain taboo
Bro 👍
@@howardstark5467as soon as a ma6n’s family sees a w8ma2n, they become helpless dw4ebs who can’t even feed themlsves 😂
One of the most detailed analysis for financial ideas.
Sharan, excellent work. Thanks so much for this interview with
Ms Monika Halan. I am an admirer of her work.
Ma'am has highlighted so many critical issues in Our society ....that too in such a clear and cogent manner....what a calm and measured voice/ tone!!
At 5:30 what she is saying that exactly what I am doing for my family, my wife doesn't bother to know but as a responsible man, I must record all assets for my family as anything can happen in today's world and no need to worry sharing those data with your partner unless you have trust issue ❤
Watching this from a small town Ghatshila, Jharkhand
She’s amazing. Articulate, immensely knowledgeable and equipoised in all her responses. Huge fan. Thanks for giving us an option to listen to her.
Great insights ... enjoyed this session.
Monika Ma'am, knowledgeable person talk.. And enough matured with finance things... Session was a Good one. Thanks
We need her back again! Please get her back for another conversation!
Absolutely Correct
At 3.5...he asks what are we doing wrong in teaching our daughter ....BUT ..its for both ...Sons and daughters need to know finances and how it is a shared responsibility when creating a family ...i see that sharing and getting the wife into the financial dealings also becomes an ego issue for men if they have been too stereotyped into the male role
Hi
Excellent coverage of managing money
The inclusion of a woman in the family discussion is still lacking in our culture
Of course it has improved a lot but still not enough
Hope for the best
Domination of a man still exists
Thanks 🙏
Domination of man is still there because he is the one who work hard for earning the money and he knows the hardship and value of the money, so money matters still remains with the man.
Learned about PMS from this. please make a video on this
Loved the conversation … but if you are talking basics pls expand the abbreviations
That is the problem. Women should be always financially independent and also financially contribute in the family.
Even if an independent woman makes money, it is mostly women doing the most work for the family. Almost all working women do two shifts (job and home) unlike men. Aside from facing motherhood pe4nalty in job, women face physical setbacks because of pregnancy and chld brth. And most of the child care and household work is still done by women. Not to mention taking care of elderly parents in law.
My friend who is working in a high pressure IT industry still has to make food for all the people in the house (6 people in today) and she has to cater to in laws too (she has to do things like make coffee for them every morning and given them milk with turmeric as the last thing before bed). Also, if kids or in laws are sick she has to take leave. Husband will do nothing.
I think it is better to have a two elections like One centre one election and All states one election. I think this will be a good one thinking about the points on resources distress and national voice over regional voice
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Fantastic video
Please make a longer one with madam❤
thanks for the great interview
Bring more of this episode.
The interview was too short for a stalwart like Monika madam.
Negligence is considered that am taken care of ....I don't have to bear the burden of finances
In an era where divorce and matrimonial disputes are on the rise, is it advisable to allocate 50% of one's assets in the partner's name?
But the point is, matrimonial dispute's laws are not gender neutral in India, they are biased and favoured the women most; so the allocation between spouses is not that much easy what you think.
Mr. Sharan please do background music less volume on intro's so ambience would less interrupting voices
This is the truth. Husband money is our money. Wife's mobey is my money
I met with a life threatening accident. To get better care i moved to my parents house as wife was working and taking care of child. I am jobless and couldn't rejoin work in near future, so my send me a divorce notice. Lol. Men can keep their assets in their wife's name but women will throw the man if is not useful to her.
Lol nope. It is actually vice versa.
@@manifest2203yes only in movies and stories ... Not in real life
I hope all women get financially independent and manage their own money wisely ✌🏻
it's going vice versa,there are men and almost very less who are really good at house management as their traditional wives and handling kids also,no one accepts that,men are one of the most underpressured and no valued person,women are good in every space,if men are becoming good traditional house makers ,then what's a shame or problem,the problem is everybody listens women now
Doing the same dear, be independent
Both person earn and manage household@@rushipatel8908
And shouldn't ask for maintenance or alimony if divorce happens after marriages.
Strongly disagree that
Many educated women beg money from husband after separation
Women want to enjoy free money and filed many cases I against him
S some Women are beggars and they have to change their attitude
Many women play dumb and not trained to talk about money even when they are growing up. Stop playing dumb and don’t blame on your math skills! If you can’t figure out, get someone who knows and take charge. Watch and learn from someone who’s doing a good job. Get a skill which earns money in case you are cornered. Don’t blame on others!! Empowering women is the answer!!
I like this aunty❤
If woman understand finances, so many men whose life run smoothly with the fact will have discomfort in steering them.
Kitna manipulative badass Idea de rahi h 50% assets wife ke naam build kro ....in this age where marriage is falling.. distrust in couple increasing...
Never merge your assets with spouse..keep it seprate thing like individual being.
It's partnership jitna contribute karoge utna hi stake rahega..
Mard ko suicide Krna padegaa in case of divorce which is a increasing trend.
Golddigger jaat is increasing very fast in our country.
My partner is not ready to listen. She says i can’t take tension
Women are discouraged from discussing money and finance matters. Boys are also discouraged, but they start to learn from internet and from their seniors and from friends once they grow up. Women on the other hand are frowned upon and nobody wants to listen to them talk about money, they are being told thry are acting oversmart and often undermined. Most content creators of educative subjects such as finance are also men and hence their views and thinking matches with other men, hence have more male audience. We should have more women coming out and creating content so that more women can view their content and learn. Women in villages are on the other hand active in govt given freebies and cash distribution schemes. Those people cannot manage money but still are on the forefront of getting free money. It is the biasness of our society. Simple example - if a family can afford money for 1 mobile for children and internet bill, and they have a teenage son and a daughter, they will give the mobile to the son and not to the daughter.
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With due respect I totally dont agree parenting is an issue with financial literacy
I am a 30 yr old male . No one taught me about mutual funds or share market, stocks at home or school or college. I have mutual fund since 6 yrs all thanks to youtube and finance blogs
But very few of my female friends and cousins with same school ,college upbringing have interest in investment
Even I have never heard any girl talking about stock market in whatsapp group we have. Where as in our boys group its an active topic.
There is no specific reason
Its just something that doesnt interest them or they dont have to simple!
I agree, my dad actively persuades me still to reduce exposure to stock market. All I learnt was from seminars I attended and later online. It's driven by interest predominantly.
Everymonth we need 2-3 days just to manage money … something is missing this kind of planning is needed only if your income is above certain level… people earning 1-2 lakhs per month should not worry about this
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you all have to understand that when she is talking about woman having share in man's assets she is talkingn about homemakers who devote their time and energy in the households and are always left vulnerable if their spouse or the breadwinner of the house is gone. They have to have assets on their name for the sake of their children and themselves and they need to be aware of it as well.
A financially independant woman will still earn after husband is gone , she will be worse off but not vulnerable and her children will also be worse off but not vulnerable.
Better way to look at it is, whatever assets are created after the wedding by either spouse, needs to be considered before deciding who gets what and this should apply in either direction and depending upon how many years they lived together. The idea is to avoid financial collapse on one side, typically the woman, as they rarely marry non earning man. And it's also quite fair to give some weightage to the amount of time woman spent in child birth and care even though it can't be easily quantified.
The idea can't be to equalize wealth. Family is a support system for sure but you can't split credit or professional success in half, unless you are willing to split credit everything in half, the good and the bad. Plus apart from earning, there are other factors like spending and investing habits that affect the resultant wealth at the time of separation.
Cases like that recent YT video where woman's lawyers was depending 4 cr settlement despite marriage lasting just 6 months and her having 30 lakh CTC should be canned and flagged as a waste of court's time.
@@ick-625very much true .. 👍👍
Even if the independent woman makes money, it is mostly women doing the most work for the family. Almost all working women do two shifts (job and home) unlike men. Aside from facing motherhood pe4nalty in job, women face physical setbacks because of pregnancy and chld brth. And most of the child care and household work is still done by women. Not to mention taking care of elderly parents in law. My friend who is working in a high pressure IT industry still has to make food for all the people in the house (6 people in today) and she has to cater to in laws too (she has to do things like make coffee for them every morning and given them milk with turmeric as the last thing before bed). Also, if kids or in laws are sick she has to take leave. Husband will do nothing.
@@ick-625 but the system of family has made it such that it is always Wmn who end up with the short end of the stick.
@@manifest2203 Women doing most of the house work is an old fast changing observation that is carried on for convenience of argument. Especially in urban & semi urban areas where around 45% of our population lives, where both work outside, it is more or less equalising now. Not to forget women in question here are often kaamwali bai and not the women of the house. Even lower in middle class homes you find house help for washing dishes, cloths, dusting etc. And these working women complain about their house help with their peers about how their kaamwali takes leaves and asks for raise, while they do the same at their respective workplaces.
You're also ignoring how much fridge, washing machines, dishwashers are spread, and also the ease of online ordering of food and more importantly of groceries.
You're painting a picture of a non urban family where women typically are not engaged in formal work and often do some home businesses like making papad or pickles, which is also valuable definitely but cannot possibly be as physically and mentally demanding as formal pvt sector job or they are in work that doesn't take the entire day like teaching in school.
Pregnancy and child care are definitely things to consider, hence I have mentioned to give some weight to that and to the years the couple have spent together. 6 months marriage can't be considered the same as 6 year marriage with 2 children to provide for.
Wrt to your 2nd comment: Family system has already changed significantly, among 2 working households fewer and fewer live in big families and now couples move out after the wedding away even from the man's parents. And where it hasn't it will, like dietary patterns & financial habits, it takes time but starts changing when there is need
Sharan, could you please discuss more on asset allocation between married partners?
Pro-rated contri to joint expense account seems practical.
But asset allocation based on remainder after personal expense? What if one partner is earning less as they are keeping career low profile and prioritising the family?
Indeed a valid case
One is PMS that starts from 50 lakh other one is what that starts from 10 lakh Sharan interrupts her there I didn't get that at 13:28 of video
Without financial skills anyone can go bankrupt. Build skills and turn little into a lot!
Financial literacy is important irrespective of gender. However, if a couple has to think of their share before spending then there is something seriously wrong. It's like MY money vs OUR money. Money has to belong to the entire family irrespective of who is earning.
Theoretically you're right. But in reality, a couple are also indépendant people with their own tastes and preferences, and a marriage does not undo it. So conflicts are natural, and the best way to address it is to portion the finances.
Even if an independent woman makes money, it is mostly women doing the most work for the family. Almost all working women do two shifts (job and home) unlike men. Aside from facing motherhood pe4nalty in job, women face physical setbacks because of pregnancy and chld brth. And most of the child care and household work is still done by women. Not to mention taking care of elderly parents in law.
My friend who is working in a high pressure IT industry still has to make food for all the people in the house (6 people in today) and she has to cater to in laws too (she has to do things like make coffee for them every morning and given them milk with turmeric as the last thing before bed). Also, if kids or in laws are sick she has to take leave. Husband will do nothing.
Have read her book, let's talk money
What happens to a girl's financial independence after a divorce ?
Why is it that in a court of law, suddenly, some girls remove the "in" from "in"dependence and demand for an alimony?
Girls took mis advantage of the Indian matrimonial laws unduly favoured to the women and corrupt judiciary is fertilising it.
Even if an independent woman makes money, it is mostly women doing the most work for the family. Almost all working women do two shifts (job and home) unlike men. Aside from facing motherhood pe4nalty in job, women face physical setbacks because of pregnancy and chld brth. And most of the child care and household work is still done by women. Not to mention taking care of elderly parents in law.
My friend who is working in a high pressure IT industry still has to make food for all the people in the house (6 people in today) and she has to cater to in laws too (she has to do things like make coffee for them every morning and given them milk with turmeric as the last thing before bed). Also, if kids or in laws are sick she has to take leave. Husband will do nothing.
And what about dowry demanded by groom family in name of gifts
Straight to FnO was soo funnyyyy
Like you very very Much Vaiii
Sharan bhaiya can you please do a podcast with Dilmeet Kaur of Richesm Healthcare company
how did it came to my feed so soon
Use common sense not all situations are same for everyone
Alemio Network is on the radar of major crypto players! Damn
Women should contribute into family expenses too like boy is doing even after marriage
Even if an independent woman makes money, it is mostly women doing the most work for the family. Almost all working women do two shifts (job and home) unlike men. Aside from facing motherhood pe4nalty in job, women face physical setbacks because of pregnancy and chld brth. And most of the child care and household work is still done by women. Not to mention taking care of elderly parents in law.
My friend who is working in a high pressure IT industry still has to make food for all the people in the house (6 people in today) and she has to cater to in laws too (she has to do things like make coffee for them every morning and given them milk with turmeric as the last thing before bed). Also, if kids or in laws are sick she has to take leave. Husband will do nothing.
Men should contribute to unpaid household chores like girls even after marriage
This video was just 17 minutes or he was uploading a part in a lengthy podcast?
It was too good, and both are amazing. Best wishes. Thank you.
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Indian parenting is on other level they don't care about children because their own life is unknown , they have their childhood trauma , anxiety and stress between families
Are we talking about room partner's or husband wife?
Soon ALM by Alemio Network will moon, 200x in my opinion
But if men build half of assets in woman's name, she would still ask alimony in case of divorce right?
True
Yes
That's right!
I too didn't agree with her point @ 5:58 of building assets on wife's name.
She just explained basic thing about finances considering the couples having goody goody things in their relationship;
but practically hardly few couples will be there with such ideal things.
@@kavishwarmokal124 these are not ideal but worst things. These things may work in West where there is no concept of alimony or maintenance but these things don't work in countries with maintenance laws!
India me shadi se sada savdhan.
Such a drag
It is easy to blame parenting for everything. Men learn finance not from parents rather. From TH-cam, from friends, etc. women also can do the same but they do not as they are not interested as they always got "kamao husband"
That's exactly what comes down to parenting. They tend to choose an earning partner where earning for themselves is a choice. This is instilled when they were little girls one day you'll be passed on to your husband's home from ours and he's going to take care of you! This exactly this needs to change . Till then lot of women don't go and watch videos because there is no sense of responsibility towards finances unlike men who are also raised ever since they were little boys by telling one day you are going to be a provider you should take care of parents, wife kids etc! When parents raised kids as kids without prioritising their gender things will turn out better. In this generation lot of that is slowly changing. But still very slow.
The speaker and sharan missed a two basic things happen in family practically;
1) 498A and other legal extortion tactics leaving men in disbelief.
2) seriously no one has seen sisters fighting with brothers for share which even brothers don't have it and sisters pulling the assets number from thin air!
बहुत दिन हो गए खाए, भूख नहीं रोक पा रहा, कृपया कोई मुझे नौकरी दे दो, मुझे दैनिक भुगतान चाहिए, क्योंकि मैं और मेरा परिवार बहुत दिन से उपवास कर रहे हैं, काम कोई भी हो, कितना भी कठिन क्यों न हो मैं करूंगा, अगर कोई नौकरी हो तो कृपया बताएं।
What about gold then. That is asset always with girls.
Jan'20, 2025 06:30pm
After Atul Subhashs death, a lot of definition changes for couples financial investment together.
Kitna manipulative badass Idea de rahi h 50% assets wife ke naam build kro ....in this age where marriage is falling.. distrust in couple increasing...
Never merge your assets with spouse..keep it seprate thing like individual being.
It's partnership jitna contribute karoge utna hi stake rahega..
Mard ko suicide Krna padegaa in case of divorce which is a increasing trend.
Golddigger jaat is increasing very fast in our country.
Please get subramoney on your podcast.
I do not agree with her argument at all regarding sharing assets in spouse's name. I am happily married but i have to be practical. In case the marriage ends in a divorce, she gets to keep 50% what is already with her and claim 50% of my portion taking her share to 75%.No wonder Indian men do not discuss Finance with their spouses and never should. With the existing laws which favour women, men has to be very careful with the finances, I would recommend to put 50% of earnings in name of parents so that the maximum share a wife can claim during divorce is 25%. Marriage is a business
Kitna manipulative badass Idea de rahi h 50% assets wife ke naam build kro ....in this age where marriage is falling.. distrust in couple increasing...
Never merge your assets with spouse..keep it seprate thing like individual being.
It's partnership jitna contribute karoge utna hi stake rahega..
Mard ko suicide Krna padegaa in case of divorce which is a increasing trend.
Golddigger jaat is increasing very fast in our country.
I think in India the whole business thing was propagated by parents acting desperate to marry their daughters.. The market senses desperation and desperation in any case is always taken advantage of.
With views like yours, it's no surprise you are "happily married "
@@preetideshpande4629yes, he has kept the tight fist (lagaam khinch ke rakha hai), biwi ko sar par chadhakar nahi bithaya hai.
Lol it’s just a matter of time for you to become unhappily dvorced. Just give it time 😂
अगर तुम अब XAI73L नहीं जमा करते, तो बाद में खरीदने के लिए अच्छा भाग्य चाहिए 😬
Millenials ❌ Gen-Z ✅ about to get married
समझ नहीं आता लोग क्यों इंतजार कर रहे हैं। X
Is Sharan wearing two watches? Or one is health wear
It's been a long time since I ate, I can't stop my hunger, please someone give me a job, I need a daily payment, because I and my family have been fasting for a long time, no matter what the work is, I will do it no matter how hard, please let me know if there is a job.
Really sad to hear this... if it ever gets so desperate... selling momos is a good option
5:58 you are living in 1950's, why the husband should built assets on wife's name?
Tomorrow wife will file several cases like domestic violence, dowry demand, 498A againt husband and ask for exorbitant money for settlement, assets built on her name will be her's only and then after she would claim husband property as a settlement deal; so I am disagree with your opinion.
Do you live your life thinking to marry and then get divorced? Why do you think your wife will definitely ask for divorce without no reason? If she is asking for divorce that means there is incompatibility issue or abuse. If she is asking for divorce without any reason just to grab your assets, that means you did not have the ability to judge the person you are marrying before marriage. She is a scammer. If you have so much trust issue, then you should not marry that person. Do you just stay inside the house and not go outside because there are so many criminals roaming, accidents happening?
@julies5085 look at the recent incident of Atul Subhash a banglore techie, what's happened to him; just rummages through court cases (hearing) available on social media where few months of marriages are leading to wife filing fake cases and demanding huge amount for settlement.
@@kavishwarmokal124 I know, Atul was not able to judge the woman and her family before marriage. In many such cases, even in Atul's case they met via matrimonial website and did not spend sufficient time knowing each other. Our law is broken and evil police, lawyers and judges taken advantage of victims. But if you do not want to ensure safety and security of you wife and children in a patriarchial society with harmful people, that is upto you. Our society's evil people in various aspects tortures a woman without a father and husband. There are many cases of domestic abuse, most of which are not even registered. Police does not even register cases of molestation that happen on daily basis with women. It does not mean every man and his family treats their wife and daughter in law the same way. Monika ji is not encouraging in any way wives to take advantage of their husbands. She is speaking logically about how a man and woman as a family together should manage their finances so that arguments and conflicts can be minimised, lifestyle can be maintained and family's risk can be minimised.
This video is about a married couple's finance management together as a couple. Monika ji has not asked any woman to take advantage of their husband. Atul's case is a tragedy. But does not mean every woman does this extortion with her husband by filing false cases of violence and every. Just like that every husband does not abuse his wife and every woman's in laws are cruel to her and treat her like a slave. I don't understand why you have to bring extreme cases example. If you are so scared, then do not marry. Do you mean to say that all women are waiting for marriage and file false cases on their husbands after marriage? You need to have understanding what kind of person you are choosing to live your life with. Even I watched Atul's video. It appears he was not able to judge the woman and her family - he being a matured man thought a less talkative woman means sushil sanskaari. That's the result of poor judgement. We should all take our time to know and trust another person - be it friend, family, to-be partner, relative or stranger. If you are a married man and does not recognise the contribution of your wife to your family, then I feel pity on you. You want to keep all assets in your name? What is the security for the woman then? She will have to be dependent on you like your slave with no respect even after contributing to your household and to your relationship. And if you someday decide to torture her and bribe the police and judge, then she will be left to the streets vulnerable without roof over her head. I saw a news video where a pregnant lady in Delhi was subjected to harassment by in laws. They paid money to the lawyers, to police - nobody was helping her and she had to stand on the road asking for her.
@@kavishwarmokal124 for every Atul Subhash there r many women burnt in name of dowry lmao u forgot about that
In india keep everything in paper correctly as wills etc. but nothing in wife name. Indian law is against men. Men should save itself from wife and in laws.
Absolutely true .. 👍👍
Lol that’s not true. It’s wmn who have to become more careful.
Yeah law is against men when Nirbhaya rapists got 8 yrs of living without death sentence
XAI73L होने वाला है बहुत बड़ा, भाई। लोग इस पर सो रहे हैं 😤
First comment🎉
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3
What is the share of husband in wife’s father’s property? If that’s not given, then only children should have right.
Maybe research the law before asking ignorant questions. For a married woman who dies integrated (without a will) her property, even inherited property, goes to her husband, children and in-laws, according to the Hindu Succession Act.
The reverse is not true. A daughter-in-law has no legal claims on her in-laws' assets even if she lives with them and has spent decades caring for them.
Honestly, Indian men should not get married. You will do everyone a huge favour 🎉
Yes Indians dev6alue wmn so much.
Bro 2 things i wanna say, correct them -
1. In the title you have written SEBI Chairperson while she is just a writer.
2. Please do a priper haircut men, your side hair style is looking weird
Whaat yaa, naak ka baal, kaan ke baal, ye baal wo baal, content pe bhi dyan dijiyega.
Everything right and informative but what about culture and profound science which says by adorning women with cloths and jewellery's you bring luck and grace from almighty. Why we following western mentality in marriage? what you do with savings if you cant adorn your partner? if your money is yours then where is love ? Everything should be joint the spendings the savings . It should not be discussion point like what if one partner spends more who going to wear bangles and necklaces and long earrings and handwork lehengas ? so are you going to compare spendings of girl child and boy child? Lets create nation where its said to worship nari in every form.
0% patni ke naam pe
@@hjain1011 seems ur dad did that with ur mom
harsh fact: with the advancement of AI, jobs will decrease. and then their will be a policy, first in west and then all over the world "One family One job". then it's upto hubby and wifey to choose who will stay and who will work. and for me, if hubby chooses to stay and sends wife to work, it's such a shame. but at the end it will be a personal choice of both.
Sasta nasha 😂😂 we live in a fantasy and social media world
3rd comment
4 th comment
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