29 Year Old Addicted To Personal Loans Buried In Debt

[@singh_kshitij]

He is a dear friend of mine. The guy is going through rough patch. Trust me guys he is gem of a person ans has charming personality!! It takes a lot of courage to speak publicly about you shortcomings , appreciate his honesty.

[@youtubecommentor3972]

Pass on my message. A friend from Delhi. He seems like a really great guy like you mentioned. He is extremely brave to admit his physical and financial condition. Salute him for his bravery. Ask him to get on a diet plan with a qualified nutritionist. Maybe you guys can gift him this plan. He has a friend in Delhi and he can stay with me if he ever visits.

[@OrganicPandora]

Hey Buddy, really appreciate your friend’s courage to come open like this. And I have full confidence on him that he will be back with a bang!! Give him a tight hug from me when you meet him next!!

[@pi2019]

Seems a like Gem of person!

[@Anupkumar-hk1zr]

Kis baat ka gem bhai? Moorkh hai tumhara friend. Bewakoofi aur honesty me fark hota hai. Sab kuch jaante huye bhi duniya bhar ki galti karo. Baad me sab admit kar lo. Aur kaho ki hum gem hai. waah bhai.... kya moorkta hai ye.

[@ishanchawla8290]

@@Anupkumar-hk1zr Sahi kaha. Itni lagi hui hai phir bhi ghar change kar raha hai

[@goodgoing4615]

Please ignore all the hate comments. Thank you for presenting yourself and sharing your situation.We are learning a lot from it.

[@chaaaaaaaaaaaad]

Totally agree. However I can't believe a guy having such a 'fat' package can be in such a 'huge' financial mess. It's a 'humongous' mess. It will take a 'large' effort on his part to fix this issue. Again a 'big' thanks to Anshuman for helping this guy.

[@Idoknowall]

​@@chaaaaaaaaaaaad 'Heavy' Humor 😂

[@Anuragmahanta08]

Some people are making fun on his weight. Common, atleast try to be lil respectful to one's personal journey, as he has the guts to come publicly with his finance issues. This is a great episode. Thsnk you Anshuman .

[@themboys304]

True one must not make fun of someone. But as a suggestion I would like to recommend him to start working on his eating habits which will help him physically, emotionally and financially.

[@subramanyamshankar1767]

All he needs to join a gym, eat before sunset. Else, he will not have money for the illness that is bound to come.

[@shameekd9192]

No one is born fat. If you are fat, it is because you are lazy and cannot control your desire. Why should others be respectful for your stupidity? If you don't like to be made fun of, work on yourself. Being fit is the easiest thing - eat good and exercise for 30 mins.

[@italiandiary]

Honestly, I cried a lot after watching your video. I struggled with personal loans totaling around 10 lakhs and other mortgage loans amounting to about 5 lakhs. Over the past five to six years, I focused on cutting all unnecessary expenses and managed to close all my loans. Now, I am loan free. Don’t worry, brother; you can overcome all these loans and problems. Stay positive, and you can definitely get through this situation. Thanks to Anushman for posting this video 😢😢😢 Pray 🙏 for you utkarash brother

[@akashsharma1134]

Are you financially free or loan free? Both are very different things

[@italiandiary]

@@akashsharma1134 loan free

[@Lifesaversigma88]

❌️✅️

[@DilDar-ok1zj]

Can u help me with some advice, sir?

[@sapindersingh5526]

This guys hv given true account of his expenditure... I see people say they spend only 4-5 on grocery..how this possible...even milk can cost this much...

[@rohitsoni9325]

~7k is fairly ok for a middle class family of 3. And bhai kitna milk chaiye tuje, 1L milk everyday costs just 1700 a month

[@gamebred1253]

10k for groceries is more than enough but depends on the number of people in the family. 25k for 3 people is insane.

[@ishanchawla8290]

@@gamebred1253 15 iska hi hoga

[@anikets4699]

@@rohitsoni9325chai bechta hoga ye!

[@sd51847]

@@rohitsoni9325 7k is fairly ok for a middle class family of 3? I think you are talking about lower class. Definition of middle class is very different now a days and its no where as large proportionally it used to be.

[@sumitsharma-yt3sd]

Pls dont give hate comments. Sometimes obesity is in genes also. Also at 29 his package is 18 lpa in surat. So his top line is very good and lot of scope.

[@technofete]

Exactly y he should take care of his health rather than taking loans

[@fuzzyrant]

I absolutely cannot comment about his personality, but saying that obesity is in genes is utter pseudo science to make people feel good about their lack of discipline and reckless lifestyle.

[@sumitsharma-yt3sd]

@@fuzzyrant who is saying he should feel good about lack of discipline and reckless lifestyle?

[@fuzzyrant]

@@sumitsharma-yt3sd Everyone who provides such confirmation biases to others and their own selves, "obesity is in genetics". What's next? "I have consumed just 800 calories per day for the past 1 month and yet I have gained 20 kgs"?

[@sumitsharma-yt3sd]

@@fuzzyrant that means if somebody is saying that may be a poor person is poor because of his inheritance, he is implying that poor person should being feel good about it. Thanks for the "ASSUMPTIONS".

[@akashswaminathan4019]

Utkarsh really seems like a gem of a person. Im sure he will come out of financial crisis and live healthier than ever. My best wishes to you brother.

[@shichitatsu3751]

Biggest Asset in life is your Health

[@karnasinghyadav]

Salute to the guy itne tension mai bhi smile kar raha hai. And the only solution given by you is actually the only option. Thank you so much brother

[@sumukhhrr7403]

The content is really great, but please reduce a bit of drama in the form of unnecessary bgms and expressions.

[@tanmaydeshpande4460]

😂😂😂 agree!! clash of clans music laga rakha hai bhai ne 😂

[@ramakrishna1008]

Anshuman almost had a heart attack towards end of the video, and he seems genuinely concerned about Utkarsh

[@RahulJain-cd3cn]

Some recommendation. 1. Keep a track of all the medicine, there are many generic medicines available that can reduce the cost of medication significantly. Not sure about Gujarat, but in Rajasthan, there are many excellent hospitals run by govt. which actually provide free of cost medicines. 2. You already mentioned, move to cheaper accommodation 3. Reconsolidating the loan is a good idea, but if the have house which they can mortgage to bank, the interest would be much lower. 4. Look for opportunities to switch to some stable job. 30% increment can change his finance dynamics. 5. Eating out and weekend spend should be completely avoided. 6. He can take his family’s health in control by setting an example himself, in case he learns about nutrition, exercise, sleep and cooking. This all can be done by initiating baby steps. Investment in a good weighing scale do help some people.

[@Ren-nk9pq]

I disagree with no5. Sometimes we need break from this hectic life, by hanging out with friends and having fun, ofcs with moderation

[@dhruvit.shah7]

Buddy this guy needs to get hold of himself. He’ll use the 30% increment too to buy games🤦🤦

[@Mrmaert]

@@Ren-nk9pq that's you not others

[@namanjain5763]

Will say i am actually worried about a big mishaps that can happen 1) Working in IT sector has a good amount of pressure. 2) Loans and it’s worry to pay and manage. 3) Health issues are their. Have seen very similar thing in family having heart attack below age of 40 because of all this pressure of money,job and health all come together. Will advice everyone who work in IT,consulting,banking,sales one of the most high pressure environment though all pay good due to that so use that money to reduce pressure in other areas like health,money and family like have seen so many below 40 or even 30 suffering from heart, diabetes and other problem like this make me realise even i am not 100% fit so working on it by cooking,sports,walks and gym very very small steps like reducing seating time like skip tv with books and walk, going to office by walk, going to gym on a constant basis and instead of having car ride or cafe with friends be replaced with treks and sport activities like badminton and other , instead of eating out start to enjoy cooking as a fun activity and not a chore. Small small steps like i started with atleast have 6k steps a day and now 9 month in this year and having 10k average step count.

[@beditz1591]

Nice comment I am telling you mine Current I am working as QA intern and I am getting 3K per month and I am very happy with that Daily I am going to gym home cooking food, 12hr fasting, 3L water basically I am balancing my life not very good not very bad 🙂 And currently side by side seeking new opportunity

[@thetimelineland6276]

Great Episode, Anshuman. Really appreciate this guy. It takes lot of guts to come publicly and discuss your finances.

[@hnsrules2509]

Baapre, mere ko dhak dhak ho raha hein iske loans ki list dekh ke, Anshuman literally lost his temper and said, 'You need to go back' at 22:56. That's actually accurate. If impulsive purchase had a synonym, it would be 'Utkarsh' Come on, buddy, you can get out of this trap. Just stick to Anshuman's words! Wishing you good luck!.!!

[@shivayogihiremath368]

I feel this guy isn't at all interested in change. He is simply listening.he doesn't show any signs of enthusiasm to understand basic finance. He is listening from one ear n letting it go.. God bless him.

[@sk72254]

He and his family seem to be living for today, not worried about the rising debt and a bleak future..

[@tomar8888]

Remove the background music its not a movie

[@LincyRony-gm1sz]

All his videos have negative captions for views , but they are all good people going through tough times

[@ashishprasad1963]

He's a pookie. May he get strength to go through this. Also, Anshuman is doing God's work. Glad coming across this channel.

[@shirishshrivastava2350]

Understanding & accepting mistakes are the first step towards recovery, First time I m seeing Anshuman lost his temper and frustrated, But this guy is very good, having Gud package in Surat kind of city, go slow & steady everything will be sort out

[@sauravsingh_9]

I mean c'mon, anybody would get anger and frustrated by hearing this! That bro is in deep deep problem and he himself did that knowingly, not to mention his health which is a time bomb if not solved early!

[@dranoopkr2010]

I know this guy He is very nice So good We need more good people like him

[@skincarewithgarima]

Pehle Ankur Warikoo ne aapka format copy kia, ab aapne Ankur Warikoo ka format copy kr lia 😅

[@mkk94]

Yes😂😂

[@hpsingh5816]

You are very clever 😅

[@fatboyrecordsinc.7773]

Vice versa 😂😂😂😂

[@kakashisenpai99]

🤣🤣 but face to face was good to the eyes

[@skincarewithgarima]

Yes exactly ​@@kakashisenpai99

[@opentech1252]

Things he need to take care 1. Reduce rent, and grocery costs . 2. Close up all loans as fast as possible. 3. Try to cut any additional / misc costs ,along with electricity as much as possible.

[@Gyaan_paapi]

* His health & weight

[@deovrat1000]

He seems like a genuine person! Thanks for the episode.

[@DineshKumar-se6es]

@anshuman you did not look into the calculation properly 8:23 . He is paying 2200 for 18 month for 50000 but 18*2200 =39,600. All the emi mentioned seems to be incorrect

[@fantasyxpress7966]

Thanks for sharing this utkarsh you are really brave and strong to come out and talk about all these senstive issues in public domain... More power to you brother 💪

[@daminiso]

Great episode. I love the empathy with which you tackle communication. Please make more such episodes with more focus on helping people forge a budget & debt repayment plan.

[@abhijitbiswajit178]

Salute to this guy Utkarsh for daring to come up front and speaking the truth. I believe he will soon be back and out of the rough patch with a bang! ❤

[@gamebred1253]

Entertaining and somehow gives me reality check whenever I watch such videos. Thanks.

[@Akneerude]

I'm no arnold schwarzenegger to be advocating on health, but health should be this man's number one priority. In the worst case, it'll impact the finances negatively. Start working out brother, even your spending patterns will change.

[@Gyaan_paapi]

Correct, I do SIP, but always I think these all efforts and savings will be useless if I don't care about my health, I reduced my weight from 98.5 to 91kg just by walking 1hr 3-4 days/week.

[@sumit6190p]

Try adding strength training to your regime. If cannot go to gym try using resistance bands​@@Gyaan_paapi

[@biswajitpanda156]

25k for medicines is way too much brother. You can always go for a pradhanmantri janausadhi Kendra where you can get at least 50% discount. And, those aren’t bad medicines as you would be thinking.

[@seaoftranquility123]

I hope this video reached out to all the Utkarshes out there...money management is utmost important these days...i hv seen bachelors with 2.5 lac pm struggle to manage ... really thanks for the video

[@Tuniyatv]

Utkarsh bhai money matter nhi krta , par health bhut karti hai. Aap weight loss kar lo please. Aap rishabh pant ke jaise cute ho.

[@eshankhot]

😭😭

[@bvishwas99]

Hey, it's tough to talk about money problems, but he's doing it with a smile. I can relate, and I'm still working through some stuff myself. Keep your head up!

[@punitbhardwaj3578]

He is having CTC 18LPA. I feel its on the higher side when compared to others on average. But the amount dedication he needs to put to earn, nobody will understand that he might have to sit for long due to which as well his health is deteriorating. I feel he needs to be little wise on spending pattern. Also he should talk to his parents on his finances. Most of old Indians are very good with there finance. And his parents knows there household very good. They definitely will come up with some solution. Hopefully he comes out of debt trap.

[@shantanugangele2827]

OK, let's be honest you can't physically gain that much weight by just sitting.

[@kamalsinghal830]

Thanks for sharing your story utkarsh. It will help a lot of people

[@amandeepsingh-zm4ct]

Utkarsh... Just take one step towards your health at a time and gradually build on the habit....My wife was once 97 Kg and she was suffering from PCOS and now she is 57kg with her sheer determination and consistency and I am so proud of her....Now she is herself a Fitness & lifestyle coach, her transformation journey/story was covered by Femina magazine....wish you nothing but good and sound health... I am not sure if you will read this comment but feel free to revert if you are determined to change your fortune ( Health ). Take care dear.

[@msdadsfsx]

What's her height

[@amandeepsingh-zm4ct]

@@msdadsfsx 5'4

[@beditz1591]

Herbalife ka banda dik raha hai ye 😊🙏

[@amandeepsingh-zm4ct]

@@beditz1591 Herballife se weight loss karne k liye 3 saal nahi lagte bro and how do you know its coz of herbal life only🤔

[@amandeepsingh-zm4ct]

@@beditz1591 How do you know bro?

[@RajeshAllem8256]

This video will be a wake up call for all those who were not taught about finances and difference between Needs and Wants. They too can get into such massive debt trap.

[@indroschannel2384]

Anshuman this is the best content of your s so far and you have chosen the right person for the show who really needs advice to fix his finances. You must choose such similar people for the show who really needs to fix their finances. In many cases you choose wrong people who are already on track and are well off. The mike quality for this video is again a concern becoz i found the volume too low

[@krdeepak_7]

He bought expensive things but not unnecessary things. Major issue is health expenses that cannot be avoided.

[@phillbrooks2593]

C’mon bro, gaming laptop and games are unnecessary

[@Tuniyatv]

Hum log kab phas jate hai iss trap me humko pta bhi nhi chalta.😢 Maine to khud ko restrict Krna start kr diya hai faltu cheejo se

[@indranilbhattacharjee5486]

I thank Anshuman for being so patient with him...Seriously the guy Utkarsh is in troubles and he doesnt seem to be aware of that

[@Madeinromania12]

A reality check here. Health is the biggest asset. Cut down on sugar eat sweets only in moderation. Excercise daily . Invest in equity from first pay check. Buy things only which you can afford with your savings.

[@ankitaagarwal6737]

You can try buying the meds from Jan ashaudi if they are available, or even if generic brand medicines are available . Don't waste a single single grain of food, food expenses will come down...preplan the meals

[@siddhantjain243]

noti moti cost to km ni kr pa ra ye.. ye itna krna iske bas ki ni

[@ankitaagarwal6737]

@@siddhantjain243 why are you judging him, it must have taken a lot of courage to come here and take advice. Itna bhi karna bht hai

[@siddhantjain243]

@@ankitaagarwal6737 uske liye to kuch bole hi ni

[@ronalddsouza6534]

This guy needs to seriously stop taking loans and become debt free soon

[@let.tanishqcook]

Prayers for bhai 🙏🏽

[@ashu78622]

God bless this guy..hope he gets out of this debt

[@rahullbwn]

Don't be sympathetic, he needs to accept the reality & be cruel with his expenses. He is earning good & can easily overcome

[@ayushimalviya4842]

Great one.

[@shatakshipandey8014]

Good luck utkarsh in paying off your loans. And getting out of it.

[@Moderator.]

Never seen a cute innocent person in my life. He has the stamina to spend without thinking.

[@tusharsaha2726]

Don't make fun of him guys, he has a lot on his plate.

[@randomdude13432]

🤨

[@CS-si8kl]

Please don't make fun of him. And Utkarsh you shouldn't feel bad about this, you are a much bigger person than that.

[@ambition4195]

Surely he is eating lots of plates 😂😂😂

[@ssagere4958]

Not funny

[@chaaaaaaaaaaaad]

😂😂😂😂

[@CJhere]

If your reading my comment bro you not just have to fix your finance you have to fix your health also. start and focusing on health and reduce your loan as much as possible sold unnecessary things which are being reason to increase your debt.

[@ritesh1211]

More power to you bro...stay healthy and wealthy...❤

[@Where_are_no]

thanks for finance knowedge

[@rahulmahajan-n4x]

I love his smile...

[@rajatgoel3094]

Take care buddy, I hope you get well financially and physically ❤

[@esvishnunarayanan8539]

You will come up champ 🎉❤ overcoming all the obstacles

[@anuj4148]

Hey anshuman Can you also start series where you upload videos of people whose finances you have fixed How their lives have changed

[@robinmgupta5638]

The emi * duration amount is not matching. 18 mnths * 2200 is 39600 not 50 k. Similarly 10.5k * 25 is 2,52,000..seems that hero fincorp is charging almost 0% intrest. Nbfc charge almost 2-3% int monthly.

[@rahulrajgopal.producer]

Utkarsh will surely get out of the debt trap and make sure his health would get better. Let’s make sure to pray.

[@theshorts9416]

He bought the things which indeed helps his mother washing machine,TV,fridge,oven they are household things.God bless him loans are short termed but m more concerned for his health

[@DeepakKumar-z2m6u]

He is not alone so people who are laughing on him, please do check & compare your package. Its just he stucked in this situation coz he dont have someone to make him stopped

[@rohitaryavart9823]

God bless this Guy, Wishing him the very best.

[@sailenparashar9745]

My view number 3217.. thanks Anshuman ji..u r helping me in my journey to "debtless position".

[@annie0014]

Anshuman is genuinely concerned ❤

[@shivangverma1068]

Arrey bhai itna irritating music kyu daal dia background me? Uske bina video kaafi accha rehta!

[@yasirsiddiqui7587]

@22:28 If I would be the host of the show, I would have simply stepped away :p

[@shruti07]

This guy literally scared me. Although I don't spend much but still after watching this I need to self reflect.

[@jatinpalsingh5562]

The guy is doing the best he can - kudos to him and at least he gets happiness from buying some gadgets etc - bt still going great 👍👍

[@killerbrother6187]

I don’t think so

[@LuciferGamingYtube]

People are really mean in the comments. Let him be as he wants to be. Atleast he is open about it and trying to improve

[@arnold_john]

Good luck mate👍

[@NQ999]

thanks to Utkarsh

[@testname2635]

Except his gaming laptop, he didn't buy something very costly. Due to grocery and medications, half of his salary is gone.

[@siddharthgupta1710]

more power to you utkarsh bhai. pls follow anshuman's advice

[@ivy0912]

A lot of things done by him were grossly wrong, but I hope he will correct his ways now that he has help!

[@hussainbhagat8855]

Could you also do a video of the people you've consulted and how are they doing now?

[@idontcarei]

yes ...i wanted to ask for same ..that wd b really helpful ...

[@abhishekvijay902]

Hope he really takes anshumans advices seriously because he really needs to make some hard decisions or risk his present condition to worsen.

[@zion.2410]

Good luck Utkarsh brother!! This guy is a gem of a person..

[@FasterFX]

Anshuman almost had a meltdown at 20:32 😞

[@Cattyverse]

May god bless him , wish you all the very best my brother ❤

[@mr.anonymousss]

When he said Gaming Laptop. That's where he F***ked up 😢😢😢 his life.

[@doublezeta04gundam29]

No wonder he is not losing any weight with such a lifestyle.

[@aakarshitrekhi8071]

from my experience he'll not change, mindset is built it cannot be changed overnight.

[@BestOfThePodcast]

Utkarsh, as a bigger brother just an advice to spend time on ur health and I have seen people lose a crazy amount of weight. Start now and see how your life transforms.

[@shreyanmehta6999]

bro you need balls to ask someone to move back to a smaller apartment with family on face , thatr too someone you just meet half hour back. no matter how correct on paper it is. hats off bro

[@soomjeetsahoo8710]

Im not body shaming, I feel bro should go to gym not bcz of loosing weight but to be fit enough. A good body leads to a good mind.

[@idontcarei]

its not body shamming at all .. its so nice of u to be concerned

[@saumitit944]

Didn't you hear? If you're insulin resistant it's much more difficult to lose weight

[@Sahillalwani3]

​​@@saumitit944and didn't you hear utkarsh also said that he is not actively doing anything to lose weight and just being insulin resistant doesn't mean gives you a reason to sit and don't even try anything

[@CrownprinceA2Z]

I hope he gets fine soon!

[@NAMIRASHRAF786]

Whenever I even think of buying something thing impulsively I watch your episods😅😅😅 Thanks to you and Ankur I do not have any loans

[@Cri-cater]

He is not in a very bad financial situation. It's just that he has not managed to utilize well. He'll be debt free within a year if he manages well and controls his habits.

[@dhruvit.shah7]

No hate to anyone, But individuals need to understand and take money and expenses very seriously. Hes a solution architect he is on the upper end of the bell curve. STOP TAKING LOANS AND CREDIT CARDS IF YOU DONT HAVE CONTROL OVER YOUR EXPENSES.

[@akshaydurgapal4874]

His smile ❤❤❤

[@meri4339]

Looks like a talented guy. With a bit of financial discipline and increase in pay he can clear off his loans in couple of years

[@realavdhut]

20:32 anshuman be like isko konsi gali du

[@bhushandhamale]

The medicines are also a huge recurring monthly expense. He can cut that down anywhere between 20-95% by opting for generic medicines instead of the branded ones. Most common medicines are literally 10% of the branded medicines' cost. Source: I buy diabetes and heart disease generic medicines for my parents every month.

[@amanpreetsingh241]

Ignore the hate comments. You got this bro 💯🚀

[@Gyaan_paapi]

Nothing will matter, health is the real wealth.

[@idontcarei]

parents too

[@Indian-r6i]

Take care buddy get good health and eat lessand save some money. All the best.

[@sucondeeznuttz]

i would like to suggest that anshuman should visit these cases once again after a yr or so just to see if they are even down with the debt trap or having become financially sound and viable

[@MDL-777]

One get ur expenses under check n 2nd u need to loose weight..... I know how difficult it's to loose weight, it's not easy at all, I struggled a lot to get my weight from 92 to 84 ..keeping on trying don't stop.... God help u financially n keep u n ur family healthy.

[@randommemeposting]

bhai please do irl interviews these video calls don't feel authentic

[@lalithrockz]

I like it when they list out things on excel. Face to face ye karna thoda hard hoga. Aur har jagah travel karna aur bhi hard.

[@preyasjain5738]

For such kinds of interactions, video calls are easily better. Why invest unnecessarily on food/travel/setting up camera equipment etc.? In addition, you also lose out on reaching more folks. It's tiring even for Anshuman to keep traveling around. Overall, the bootstrap was good to establish a base, but commercialization requires such strategies. He can easily do irl once every 6 months or so.