From Paying EMIs to ₹ 90,000 Passive Income

Fill this form to be featured on Wint Wealth: forms.gle/iuUgM7fyGTfUUiVE9
Raman's journey has been filled with ups and downs, from his challenging childhood to his career in banking. He was in a debt trap for years but eventually found his way to financial success. Today, he has achieved a passive income of Rs. 90,000 and is very close to reaching his FIRE (Financial Independence, Retire Early) target.
Raman's LinkedIn: / ramanpushkar
Wint Wealth: www.wintwealth.com/

[@WintWealthYT]

Fill this form to be featured on Wint Wealth: forms.gle/iuUgM7fyGTfUUiVE9

[@amitr4385]

@@WintWealthYT lazy to do own research ?

[@Lifesgood-g6u]

By looking at this interview few things to summarise : 1. He made constant move in his jobs to increase his salary base from 9k to 30k , and then 60k to 1 lac etc.( might be specific skill sets he learnt or had right network) 2. Parked investments under parents, spouse and children, plus HUF to reduce tax liability 3. He further purchased plot instead of taking housing loan and built independent house in early stages of 2013 4. He purchased a flat with maximum full payment to get best bargain and leveraged partial loan for additional tax benefits 5. He invested heavily ~40% of his portfolio into FD / CFD / Debentures with monthly interest payout basically one crore fetching 85-90k INR 6. He mentioned that he follows frugal life with expenses hovering ~50k , so leftover of 40k he is putting back in MF s and other instruments Overall gist is he has property, monthly returns and plus he does side hustle !

[@superfitcs4005]

You came back again , 2 With a newly created profile to back up your self ? This is the 4 th one let me list out a few : 1. @user-yl5in7wy2i 2. @PavithS-hr3hv 3. @Investguru123 4. @@Lifesgood-gou - that too joined one day ago with only 1 comment . Pls do a better job of damage control Raman.

[@superfitcs4005]

Bro why you coming with fake id , your previous old fake id and this has many thing in common all same number of likes , created few days ago , same verbal pattern . Raman’ damage control fake ids : 1. @user-y5in7wy2i 2. @PavithS-hr3hy. 3. @lnvestguru123 4. @Lifesgood-gou

[@kamalakaryahoo395]

point 5, which Bank FD in India gives almost 10.8% return. Public Sec Bank? Post tax, there will be atleast 30% deduction. This earning appears incorrect.

[@Bhuv-]

This is the type of a guy I want to see. He is an everyday guy and seems similar to me. Thanks Wint for not getting some arm-chair fin-fluencer/Economist/VC. Also people 55+ are also a big no-no.

[@hims_world]

First almost realistic video of a salaried individual. Thank you Wint.

[@mahadeoaurange7857]

Nice one

[@ayushvarma9657]

He seems to have learnt a lot throughout all of the situation, Raman definitely is super realistic and a wise person!

[@kishorejohn861]

Hello Team, an observation and a request. the participants are always common in all of your videos, they are always either vice president, or ceo of a company or a founder of a company. Please come down to normal guys who earns 25-30L and how they enhanced their financial life.

[@rohan_pradhan]

Normal guys are 3-5 L not 25-30 L

[@amitr4385]

@@kishorejohn861 ur name can't be real just like ur comment of normal guys earning 25 to 30 lacs

[@kishorejohn861]

@@amitr4385😂 the point is, requesting the channel to interview people from all levels. I still wonder why are u so much interested in the authenticity of my name

[@universalinformation572]

​@@kishorejohn8611.8L in hand is around 30LPA only. Don't get fooled by roles like VP. In banks these are very common

[@abrahammathew8658]

I agree with @kishorejohn . Please make videos sharing experience of an average guy

[@sebastiantm4898]

Great man... He explained everything frankly and honestly.. So supportive for FIRE beginners ... Greetings to Mr. Raman and Wint ...Great job interviewing him

[@eriol_h]

Hey wint wealth, wonderful episode and kudos to this guy for handling loans and emerging out as a millionaire. Can you do a detailed episode on HUF?

[@shalabhpareek]

Not up to the standards of wint wealth . 1. So much missing information. 2. Things don’t not add up . Looks like he inherited parental money from 2020 to 2024 and forgot to mention that or may be the down payment of house was done by parents . 3. Even the expense sheet shown is incorrect. No car insurance, Netflix monthly expenses is 200 , frequency is 12 still yearly expenses are 200 .

[@rohanb2711]

Bro don't forget that insurance crap!

[@PetronasBoyy]

The expense sheet was hypothetical. Not his ig

[@logeshkumar8333]

dude, isnt it getting the gist of his perspective the goal? why do you need to know his balance sheet?

[@WintWealthYT]

Feedback noted, we will definitely keep this in mind. To add on a couple of points you mentioned: - Since 2011-2012 he was saving and investing along with paying off his loans. So when it cam to paying the downpayment he already had some money saved. - The expense sheet shown in the video is not his own, it's just a mock up. Please consider the aspects which he mentions in the video and not the sheet. Hope this clarifies some things.

[@Rajnarayan5555]

Great going Raman, having see you from college days this is quite a phenomenal journey ! Best wishes mate .

[@shilpamurthy8105]

Interesting talk and very realistic & humble journey. He managed to save a huge corpus while managing debt and its a lesson for most of us middle class on how to not panic when stuck in loans and with a single minded focus to close loans 😅 I agree with his outlook to lead a simple life, it does not cost much and also a possibility that he might settle down in Hubli which is a Tier 2 city in KA. Only thing I disagree is having a good health insurance for family. Very impt esp after Covid as medi-care has sky rocketed like every other thing! Kudos to him and Wint wealth for brining a very realistic story and easily achievable target.

[@PratikAsher]

Good to see your growth Raman 😊

[@Nectar1-w1b]

One of the insightful session, quite valid point on Insurance. I have faced similar issue on insurance and rather started directly investing on MF to leverage for future

[@SD_003]

11:00 - I am going midway. Have done a medical insurance which is not very expensive(care+) but I have a separate SIP as well running for exactly the scenario the guest mentioned 🙂 Pretty down-to-earth person. I agree with him just because we are in tier-1 city doesn’t mean we need million $$. 3-5cr is good amount for someone having a frugal lifestyle(70-80k monthly expenses today) & a loan-free home

[@millennialmind9507]

70K expense is too much in a non metro buddy

[@SD_003]

@@millennialmind9507 talking of tier-1 cities here(Mumbai/Bangalore kinds)

[@nnmondal1991]

Great man.last 2 minutes where I impressed…

[@nageshh6013]

I liked this PC he is very frank about his starting salary Many ppl in financial freedom talks starting salary from 10 lacs But here its very clear

[@pkannan168]

Good information Well explained

[@dr.akashsatapathy9422]

Real Estate debt and others were paid off by 2020. There on he was not in debt. But by that time he had a good chunk of his corpus into real estate . May also have inherited parental property. Lucky and Smart either way!!

[@GuruRaghavendragowda]

Raman, I just watched the video, the perseverance, hard work and sacrifice is what personifies and to be what you are today. It’s not easy to make a decision to move away from the comfort of being with your family back in hubli and to travel all the way to Bangalore, where you had no friends and family and to be able to put through everything to achieve what you have accomplished today. Happy to see you grow.

[@Sandhya_k.v]

This FEELS SO REAL 😊😊😊

[@Bookboy-ud2gp]

Excellent 👌 Honest Story. Reasonable and True. Post something like this 🎉

[@AbhishekJain1992]

WHy don't you educate people around clubbing of income? He just said he is booking FD unders his children and wife's name to save taxes!

[@gopinath_ravi]

Yup..the interviewer dint intervened when he told abt this great idea! Bad one from wint wealth. Standard is going down :(

[@akshitagupta3721]

Real life, real challenges and real solutions. Thank you for an amazing episode

[@duraipandi264]

real time journey many say 10cr and 20 Cr , not sure whether they tell truth or just blabbering , this one is very good and real time experience 👍

[@fortuneltd3591]

If a person is living and working in the top metro cities especially Mumbai, Bangalore, 10cr isn't a lot as it's already the richest cities and then you pick interviews with financially responsible smart people so it all adds up

[@duraipandi264]

@@fortuneltd3591 agree . exception are always there , not all people living and working in top metro cities earn in crore . considering expense in richest cities saving 10Cr or 20 Cr is still lot. this one looks like real time experience to me.

[@padmakumar3803]

The key point is, even though he is having debt, he was investing well, that become fruitful on the future

[@Manjunathrao-p5k]

Hey Raman, good to see your interview, really felt nice to see our friend and advise on such important things, really nice to hear your story on how you went from rags to riches, we all have the same kind of story but it’s you who really made there, proud of you, hope to see more of such interviews 👍👍 16:38

[@kirstenferrao]

Amazing journey

[@paulj625]

Someone i can relate myself to... A common man in his early life

[@sundarvennimalai1104]

Good one..i can clearly see the passion and genuinely he answerd all the questions..

[@Samidhachauhan]

1:56 I attended Sirs session at IIT-M, I can relate his journey and quite valuable inputs 17:01 ❤

[@UmeshPariyar-t7m]

*Great video! I really do have a question. For someone with less than $10,000 to invest, how would you recommend we enter the crypto market? I am looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What’s your take on this approach?*

[@KuranaiInoichi]

To be honest, investing correctly today can save you a whole lot of stress in the near future

[@HenryHart-d4x]

The first step in every successful investment is to establish your goals and risk tolerance, a task best undertaken with the assistance of financial advisor.

[@Grandmother-o3b]

I remain eternally grateful to Judy Arianna for her efforts that got me to this point, finally payed off my mortage and all my debts, what more could I"ve asked for. She changed my life

[@ClaudineM.Shirley]

I'm new at this, please how can I reach her?"

[@GreatMaga]

Judy Arianna. understanding of market indicators is impressive. She knows exactly when to enter and exit trades for maximum profit. her siignals are top notch

[@charanreddy730]

Great sir helpfull information ❤

[@SudharsanVaradarajan]

Nice episode 👍🏻

[@kishanbsh]

Glad to see people openly discussing their financial status to educate others.. keep up the good work 😊

[@parthi15]

Some of this thought process are right especially health insurance. Only Cash saves during health emergency. No insurance can match that.

[@devalsavla4966]

Great video

[@arpitbatri1419]

Wint Wealth: Make the video short! Under 20 Mins. Editor: Yes!

[@prolongtrader7874]

8:33 do simple math he probably had 1cr in fds if he get at least 7-8% interest that's around 60-65k passive income , and another 20-30k from egold and mutual fund maybe , best part of the whole video is here 16:29

[@shrinidhig3672]

U ended it on a good note. Loved it ❤ Two points I do not agree with you on 1> Not having a life and health insurance 2> A corpus of just 3Cr to life the retirement life that too in a metro city. I guess it should be somewhere around 7-10 Cr

[@user-yl5in7wy2i]

Health insurance is a just enabler to make yourself feel safe that you have support mechanisms in case of any chronic diseases. If someone follows a healthy lifestyle from early stages and also has back up created through different instruments should suffice. End of the day even insurance companies going to invest back in the market instruments and if you cumulate the premiums paid for whole life will almost match the investments you could also have made and plus ROI. If you compare the metro cities, still Chennai cost of living is lower and plus he is on Barista FIRE, where he will make money. Most critical point is living with minimalism I suppose once his kids reach certain age, he should be in good books with 2 properties under his kitty.

[@deve1212]

Goos one. First is health.

[@tejeshkumar9703]

Great point - Peaceful 2 or 3 meals per day must be there.

[@dhrumitkumarpatel8855]

Nice

[@DrKallalPramanik]

Truly inspiring and magical journey. One point I could have missed: is the mentioned real estate for consumption only or can it have rental income? Also, Raman mentioned debentures as a source of passive income, but I don't see that component in the net worth split.

[@vdhanasekaran9387]

Really final advice is very nice

[@pankajkk02]

Great insights. I alwasy wonder if 25 times of annual expense is sufficent for very early retirement. What's the fire multiple to target for someone who wishes to retire at 40 assuming 85 life expectancy.

[@pb25193]

Jinka lightbulb slow hai unke liye ek message: Yes he had debt until 2020 but he did have other savings while he was holding the debt. Zero pe nahi baitha tha. He bought a couple of houses in some village during this period. So when his debt was paid off, he was already sitting on 1cr ish. Uske baad 4 years mein 1.4 add hua - some of this is his savings (maybe 2 lac monthly) - rest of it is capital growth

[@keyurpatel1982]

It is not a question of light bulb slow. His debt was a miniscule percent of his total assets. He is trying to project as though he went from 35 lakh debt to 2.4 crores which means he paid off the debt, started from zero and went to 2.4 crores. Which is not the case. If he has been investing for 14 years then 2.4 crores is not a big amount and the debt is irrelevant.

[@pb25193]

@@keyurpatel1982 actually it is a good example of success by investing while carrying debt. I know some people already know everything but for some people it may be new information

[@dazaaqua09]

i like the 10:28 !

[@diazwelling]

Too many missing information in this interview. How did he earn 2.4 Cr in 4 years. You should be able to save 5 Lakhs per month to do it. How can he get passive income from F.D?

[@WintWealthYT]

He has been investing since 2011-12 alongside paying his EMIs. This has been shown in the split of his expenses. :)

[@Suryansh252]

@@WintWealthYT Ahh so he didn't follow the classical advice of clearing out all your loans first, different strokes for different folks I guess

[@diazwelling]

@@WintWealthYT then what about real estate property he bought in 2020 for 60L with his savings (70-80% is still 45L) He said he is debt free only in 2020. I'm surprised he could save 45L on the same year of debt free.

[@Soundar-15234]

You are jumping on half baked things ,you didn't see he said from 2013 he started saving money and post 2020 he became debt free. His salary was 1.6 Lacs in 2015 what that would be in 2024 after changing 1-2 jobs.

[@maheshg7890]

​​​​@@diazwelling@WintWealthYT exact same question I want to know

[@AnamikaMitra205]

Amazing Journey 👏👏 Really liked the podcast 🎉 Genuine Person

[@WintWealthYT]

Glad you enjoyed it!

[@oldsmokediaries4871]

Realistic content matching many.

[@alishop7389]

This is now what most of us can relate to.

[@MungfaliK]

This is one of the nice interview, thanks for your advice Raman.

[@mksanth87]

Mistry's story until 2020 involved dealing with debt and earning a 1.3 lakh salary after marriage in a metro city. Given these circumstances, it seems highly challenging to save 2.5 crores in six years, generate a passive income of 1 lakh, and also purchase a 50 lakh property with a 10 lakh downpayment.

[@abhiksark]

His story doesn't look coherent, so from 2020 to 2024 he made 2.4Cr

[@arunsadanandabhat8518]

exactly all these people are retiring on mutual funds and real estate rents and this guy claims boldly he has "passive income" from FD's 🤣

[@WintWealthYT]

He has been investing since 2011-12 alongside paying his EMIs. This has been shown in the split of his expenses. Hope this clears it. :)

[@PavithS-hr3hv]

@@arunsadanandabhat8518 if you can't do it doesn't mean others can't do it 😂 burnol

[@amitsuju]

@@WintWealthYThe went debt free in 2020 so definitely means he did not have too much money around that time, probably 10-15 lac more in savings so from there to 2 cr even in 4 years. Either he did something in between which was not disclosed or was not legal enough to disclose.

[@AmitKumar-or5ob]

Exactly, Being Debt Free to 2.5 Cr. This story doesn't fits well.

[@darsheetvora]

Wonderful guy

[@syedqurban1729]

I would say he allocated 56% in FD

[@tanushadithiya7136]

Salary is also chakravyuh only was ignored like a champ 😂

[@BharatSecurityWatch]

He said a corpus of ₹2.5CR of which 30-40% is in RE. Assuming the original investment value (1L+50L+60L=1.11CR), this is excess of 40%! Assuming (per his own valuation) current market prices (20L+50L+90L=1.6CR), thats close to ~65% of 2.5CR. Just doesn't add up!

[@WintWealthYT]

He hasn't included one of the properties in his networth because that is his primary residence

[@LifeVenture011]

That actual a real journey which take time and investment plan,Wint Wealth also come up with that' 👍👍

[@duderocks6483]

He has that Virat Kohli look and vibe

[@PapaSierraGolf]

Hubli people by default have a nice salt pepper look.

[@foodiography]

wint wealth one suggestion why you travel around tier 2 and tier 3 cities and interview normal people or local buisness or anyone having normal job or normal position in companies check their views about FIRE it. would be interesting obviously if you interview high profile personal it will be easy for them but fascinating will be if a person living and still living in tier 2 and 3 cities and become FIRE

[@cbazxy2697]

They don't find guests, guests find them and ask to be interviewed. To find guests the guests needs to have social presence about his wealth or achievements. Where do you find this is tier 2 or 3 cities

[@foodiography]

@@cbazxy2697 that is the thing they are wealth management company they have all data and nowadays it's easy to find or incase they can travel to those cities like I am from Jamshedpur here people are living like standard the people living in Bangalore or say pune I know there are people who had achieved FIRE leaving and working here even in Bhubaneswar alos

[@naveennaravala1707]

Yeah, wint wealth pls do.. coming to tier2 or tier3 cities you know mostly people bet on Real estate which will grow multi folds..I have my uncle with close 5 CR in real estate only and does 15k job in a home town temple.

[@foodiography]

@@naveennaravala1707 even I know a person had made a good mutual fund portfolio by working in a BPO in tier 2 city

[@thelayman6189]

Truth is all supermarkets in my metropolis sell at much cheaper prices, which my local sabzi mandi cannot match.

[@eriol_h]

Where do you live ? Timbaktoo??

[@thelayman6189]

@@eriol_h in a country of retail giants !! Timbaktoo may not have supermarkets ...

[@sanrock21]

I want to ask one question if you are investing in FD and the returns are taxed so how will you manage this you have so many FD which keep on maturing, is there a way to avoid tax.😃 I know its not there, but like if you sell property and you have to pay tax for selling. but if you but a land/house/build house from that amount then you need not pay tax on that selling amount.. so something like this there for FD's

[@user-vw6ts1bk4z]

how can he count FD as passive income?? it is sitting in bank unless you cash it out.

[@Being-critical]

Me second....btw wint podcast are good

[@devalsavla4966]

i am second

[@vn6pj]

The comments on such videos of *WINT* are more interesting though..

[@AbdulHalimSiddique]

There is concept called clubbing of Income in Income Tax ...U cannot reduce tax by make investment in relative name or trf fund to them to make investment in their own name...In case u do it, the Income generated from that transferred Amount / Assets will be clubbed/added in Donor / Transferror Income...Tax planning is not that easy anymore...revisit ur CA friend who has suggest this mechanism

[@ApulicaOfficial]

whatta guy

[@KUNDANSABLE1]

good to get first comment

[@devalsavla4966]

Congrats!

[@thelayman6189]

Good interview. But 1.6 CR out of his total corpus 2.5 cr is already 64% of his corpus in real estate - But he said 30-40% in real estate ... Somehow things always don't match well in these videos.

[@WintWealthYT]

He excluded one of the properties mentioned from his networth because that is his primary residence at the moment.

[@thelayman6189]

@@WintWealthYT Thanks for the clarity.. incidentally that is his biggest chunk he has in Real Estate . And the interview was about Networth , Networth would include everything including his primary residence .. There is a reason for raising this question. As you can see once the Rent OR Emi is not a worry, then 2.5 Cr is infact a substantial corpus - If not, His calculations will be Haywire ... This case itself is a classic example ... After your clarification, the Passive income of 90,000/- pm is actually very achievable with safe FDs itself , which he has done , remarkably well .. Thanks !!

[@livenotlive]

Isnt taking out money from HuF is pain?

[@sunitag9284]

Missing year stamps... Very vague journey.. Please do improve it

[@AnitaDevi-ry6qf]

FD made passive income? Then i also make 4 lakh per month passive income

[@AnitaDevi-ry6qf]

@@user-fg1bz4di2c Haha. I am not that dumb to put it in FD. I was talking about stocks and Real estate investment. I don't feel return from FD can be counted as passive. Its not even beating the inflation. If u keep counting FD income as passive income then good luck as 20 years down the line there will be nothing left in FD corpus. Maybe you can have a kid birthday party with that at that time

[@user-po6wf3ip6b]

Every financial freedom people i know, they actually got their salary growth very very high rate, which is like next to impossible sometimes which is very unreal. And its quiet fishy at the same time that all those rely on mutual fund eventually, so its like virtual money, so its always subject to market rates, what if the Market shaters after taking retirement. Think once please

[@prabhakar3725]

Something is not correct with data that showing here

[@southern-sunshine]

The way the interviewer has sat and shaking his leg, his demeanor is very inappropriate for the guest

[@firstperspective9131]

Feel bad for peeps who don't have passive income 2x of their expenses.

[@sushanbhasin]

One major issue with his accounting for future expenses is that he has not factored in health expenses and emergency expenses (which unsurprisingly will pop up every now and then), given the fact that he does not trust health insurance a lot. Inflation with health industry is much higher than the CPI figures. Also FIRE takes into account a SWR of 3.33 to 4% for a corpus to last for 30 years. I understand that he has made this money with a lot of hard work, and he hence he has a conservative attitude towards money, but a large portion of that in FDs, would rot away his corpus at a much quicker rate than he realises. That being said, good to hear from a person who struggled through these years to reach where he is today.

[@user-yl5in7wy2i]

You missed his point about left over passive income post expenses to be reinvested in MF’s and others. His expense is around 40-50k and 90k is passive, so what’s wrong in 40k back into other products. Health expenses as he mentioned he is investing in MF / Debentures, what do most insurance companies do the same investments what an individual does. And moreover if someone early ages follows healthy lifestyle why one need to worry so much about insurances, given he / she has back up for it.

[@sushanbhasin]

@@user-yl5in7wy2i what I mean to say is that his asset allocation is too conservative in my opinion. 40% of 2.5cr is in FDs, which by themselves barely beat inflation. SWPing out of the FDs especially can lead to a rapid depletion of his corpus. Second, is that 40% is in real estate, details of which (whether he has rented it out or not) he has not mentioned, hence that is illiquid and accounts for 40% of his portfolio. Third, he has not taken into consideration some other phantom costs like child's college education, child's marriage etc. Last, about the health part, just living a healthy life does not give you immunity from health emergencies. Hospitalization bills due to things like major accidents, cardiac surgeries etc.. can run into lakhs. Hence depending upon just your corpus for that is not advisable, unless the size of the corpus is much more substantial.

[@drjitendravs]

Opaque interviews mat karo, crowd wants to know and understand the different processes.. Waise, Last ka music mast tha😊 Bhai hum kab jaa payenge wint ki video mein.. 😔🤭 Banate raho👍

[@Amitnehra813]

Looking at comments feels like some of them are not looking at purpose and objective of what the interview was meant for and how they can leverage rather than that they are picking 5 rupees tea, 500 rupees uncles loan, excel spear sheet of Netflix doesn’t add up, etc. These people are picking granular pieces. Either they have not achieved what this guy has achieved or they are too envious on someone’s growth .

[@superfitcs4005]

lol. I like how this comment which was meant to support this video actually ended up highlighting what’s exactly wrong here . Thanks again for typing the things that don’t add up😊

[@Recoverycounselling_1]

Editing aise kro ki confuse hi ho jye sab... 😂 Wint wealth pls call someone who is a fat fire. TY!

[@dugarniraj]

Extremely poor planning. Why is he generating interest income and paying taxes when he has salary? Should definitely consult a financial planner. Massive tax leakage.

[@abhishekshrivastav7941]

I can see the insecurity in job. Shelling good tax , no need fornpassive income. This is time to grow wealth, tax leakage is very heavy. Insurance is a must, he has not understood insurance properly.

[@ManoharBhat-pt3fr]

He is not leaking much tax because he is investing via PAN Card of his HUF (Hindu undivided family). It is like a separate individual identity just for investments. And on top of this, he is doing investments in the name of his wife, father, mother etc. He worked in banks so he would be knowing at least some basic knowledge to do good investments

[@mitaniket]

@@ManoharBhat-pt3fr Have you heard of clubbing of income under section 64? Any income derived from personal assets that were transferred to the HUF without proper consideration will be subject to personal taxation.

[@tonmy21]

My man jumped from 9k to 1 lac in 5 years Then again he had a plot and 5 years it jumped jn appraisal then again his covid purchase in 5 years. . By this speed by 6o he will be prime minister also.

[@superfitcs4005]

Dw the guy who replied you is the guy in video with his fake id . This id has been defending the guy in video blindly . You are correct @tonmy21

[@aamaadmi1047]

How exactly you get monthly passive income through FD ?? Is it like booking an FD for monthly payout ? . To get a 1 lakh of passive income on a FD which is normally 6 to 7 % will require you to put an FD of approx 1.72 cr. And another thing is if you opt for monthly payout then compounding effect will not be there in FD.

[@Ritesh-gr9sd]

If you zoom into that sheet his all FDs are NBFC Shriram and all They give 10-11% He does monthly payout for it

[@kapilc7760]

Bro how a farm house in 900sqft

[@secondthread-uc9bd]

whats the obsession with FD though ? why not just MF all the way...

[@vinayak_the_paramatma254]

He doesn't believe in insurances despite of working in banking sector himself. He has parked aside money in FDs for the health emergencies. Why mix investment and insurance?

[@sghsjsrxz2481]

You can't park your salary in HuF.. that's illegal

[@saranRamsai]

i think he is parking his investments not salary

[@sghsjsrxz2481]

@@saranRamsai parking investments earned through salary is also not allowed

[@prasidmankame9191]

His passive income doesnt addup as per the bifercation given of his networth of 2.5cr.

[@user-yl5in7wy2i]

His passive incomes is generated from FD’s, Dividends, etc.

[@NRIAjay]

Wint guys! Please share Stories these are nice to learn from! But also keep on telling masses what mistakes the person has made in life. Eg he has mentioned that he has done 40% of his corpus in FD which doesn’t make sense also he hasn’t opted for Insurance where he should be opting for health insurance early in his age. This store is a perfect common mistake store. The reason I view wint because I want to leverage the people’s wisdom instead of people’s mistakes.

[@superfitcs4005]

Hey just to let you know the guy who replied you the the guy in video with a fake id , just check the fake id and all replies to the videos in comment you’d understand @NRIAjay

[@syedkamran4121]

What's his last drawn salary

[@syedkamran4121]

@@user-yl5in7wy2i coz he shared the trajectory till a point, interested in knowing what he's making now

[@akshaynanda5097]

Salary is also chakkarview😂

[@anishmathew5104]

The interviewer needs to smile a little!

[@nikithajoseph8069]

Absolutely! 🤭

[@opentech1252]

90k pm / 90k pa ?

[@WintWealthYT]

90k per month

[@kamaldewan2463]

Sir hindi me video banaye plz,

[@ankksmith9791]

Accent kaha se aa raha hai bhai

[@bonmec101]

So, he gets 70K every month as interest from FD that might be roughly 1.3Cr in FD. One should not really consider FD interest as passive income IMO, at least not the whole. If you're withdrawing the interest, the corpus is depreciating at the rate of inflation. We should consider the difference (Rate - Inflation Rate) as the real income if you really want to.

[@1nOnlySB]

liquid funds >> insurance? anyone help me understand please?!