Can He Become Financially Independent With ₹3 Lakhs Expenses?

[@ratnagirimanikandan3720]

The 5 lakh per month guy is the one who asks on quora if "earning 60-70lpa is less in Bangalore???" 😏😏😏🤣🤣

[@beyondsaqi9134]

Bro 😅i remember 🤣

[@ratnagirimanikandan3720]

@@beyondsaqi9134 😂😂🤣🤣

[@Joe-zj7ux]

Yess initially when they heard he wanted to retire soon without having kids they were laughing.. later they were like mf why you even here😂

[@ratnagirimanikandan3720]

@@Joe-zj7ux Frrrrr!!!💯😂

[@noorjahaanbegum6411]

😂😂😂

[@MatthiasKlaasen-u8d]

Honestly, it feels like we’re just getting started! Bitcoin is leading the charge! Bitcoin often leads the market in a bull run, and once it stabilizes and reaches new highs, we’ll start to see altcoins catching up. It’s all about timing-once the mainstream attention shifts to altcoins, we could see some serious pumps. I’ve made $119k just by buying and holding Bitcoin and waiting for the pump..

[@Petrovic790]

It is post elections and the market has started being bullish based on evidence. I just sold some property and I have some cash to re-invest, thinking of diversifying my investment on NVIDIA,TSLA,META. Am in so long its tech.

[@StalinUndav]

Some individuals minimize the importance of counsel until they make regrettable mistakes. A few summers ago after I sold my property, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from crypto worth $75k to $350k despite inflation this year.

[@JanetBrendan]

How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?

[@StalinUndav]

Elisse Laparche Ewing has always been on the top of my list..She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you need an excellent collaboration.

[@EdnaKristovv]

I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.

[@dorothyweller7736]

Nice video with trading, technical analysis skills alone are not enough; discipline and emotional maturity are also crucial for success. The saying "time in the market vs. timing the market" is a good mindset to have during market fluctuations. Thanks to Shea Ardolf’s insights, daily trade signals, and my dedication to learning, I've been increasing my daily earnings. Keep it up!

[@dorothyweller7736]

Shea Ardolf program is widely available online..

[@lucaspaciello866]

Wow, her track record looks really good from what I found online. I'll take a chance and see how it goes. Thanks for the info

[@chesteradams9764]

Thanks for putting this out, just found the official site of Shea Ardolf after inputting her full name on my browser, she is valid

[@normandholland8374]

After a series of trading setbacks, I was on the brink of giving up until I encountered Shea 's program. With her guidance, I've not only recouped past losses but am now charting a trajectory of consistent growth.

[@alfredjones3984]

Trading systems allow you to limit the factor of emotional influence on decision-making, as well as to give the trade a certain degree of systemic character.

[@manishkumar-0311]

Awesome Sharan. I am seeing you as a top financial mentors of India. We need people like you to make India a Developed country.

[@Ilayarajfan]

God save you. Hope you become rich atleast in your next life 😂😂😂

[@krisvin7761]

lol if you need him to make financial decisions good luck

[@MiquelMorterero]

I believe investors should focus on under-the-radar stocks, especially given the present rollercoaster nature of the stock market. 35% of my $270,000 portfolio consists of collapsing stocks that were previously respected, and I don't know where to go from here.

[@JuanCarlos_J]

It's true that many people underestimate the importance of advisers until their own feelings burn them out. A few summers ago, following an ongoing divorce, I needed a significant push to keep my company afloat. I looked for licensed advisors and found someone with outstanding qualifications. She has contributed to my reserve increasing from $275k to $850k regardless of inflation.

[@JuanCarlos_J]

@_LauraRowley Rebecca Charlotte Craig is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

[@sagekaleke]

Rebecca is a fraud and this thread is a manufactured conversation with malicious intent.

[@AMZ119]

Fake

[@msdaw]

Bot comments alert 🚨

[@CameronFussner]

These are very valuable rules for anybody who wants to get rich. Unfortunately, most people who will watch this video will not really be able to apply the principles. We may not want to admit, but as Warren Buffett once said, investing is like any other profession-- it requires a certain level of expertise. No surprise that some people are losing a lot of money in the bear market, while others are making hundreds of thousands in profit. I just don't know how they do it. I have about $189k now to put in the market.

[@LucasBenjamin-hv7sk]

Although stocks are now rather volatile, you should be okay if you perform the proper calculations. There have been stories of people making over $70,000 in a matter of weeks or months, according to Bloomberg and other finance media, so if you know where to look, I believe there are many wealth transfers during this recession.

[@hasede-lg9hj]

The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that’s the most effective way to enter the business at the moment.

[@hasede-lg9hj]

I won't pretend to know everything, though. Her name is Sharon Ann Meny but I won't say anything more. Most likely, you can find her basic information online; you are welcome to do further study.

[@fadhshf]

Thanks for clearing that up, I curiously searched for Amber Angelyn O'malley on the internet and thankfully, I came across her my goal is to retire in 5years time.

[@khushbuAgrawal22]

Please make some series for people where normal people can save some money and plan their future.This series is like playing with emotions of people who are watching this in order to learn some financial management.

[@kartiknighania8588]

Please make it as authentic and helpful as Dave Ramsey. We were listening to him even though we didnt care about his roth IRA, 401k, student debt kind of explainations which weren't related to us.. may this also be seen outside India pretty soon. All the best ❤

[@aditiseshadri6560]

Useful information Sharan. Please make this a weekly occurrence 🎉

[@NatiaMaisuradze-ey5iq]

I've noticed how patterns in financial markets tend to repeat themselves over time. Artur Grandi's book offers valuable insights into keeping investments steady and explores potential investment opportunities, including the crypto market.

[@yashdhand]

Poor want to retire and rich want to work till 80 !

[@manditbanthia7057]

Facxxx❤❤

[@aceaem08]

It is known as “enjoy the work, not the money”

[@LimitlessGamers]

​@be-notifiedtop3143 that's an excuse try doing a business a business person works 24 hours stay with someone closer to you in business you will know 😂😂

[@anjalidaddikar9226]

😂😂😂

[@AjayPatil-j7t]

Rich work as per their choice.. the poor are forced to work. So most of the poor hate their work.

[@mydreams8092]

Shallow analysis. Financial analysis is much complez. Kids education, House cost, Kids marriage, This will affect your savings at a certain age. Unless one saves 2 to 3 times of monthly expenses, it is difficult to achieve early retirement

[@anujthapa2346]

Right cus you def know more than a proper financial analyst right. Who also happens to have a MBA degree

[@cherylhills3227]

As we witness the current economic landscape, it's becoming increasingly clear that we're entering a recession. These times can pose significant financial challenges.

[@RobertDamanii]

Indeed, Recessions have a way of affecting people's financial stability and investment portfolios in profound ways.

[@RoseBalerus]

Speaking of financial stability, l've had the privilege of working closely with Eric Paul Elmer, a highly experienced financial advisor. His expertise has been pivotal in helping me navigate the complexities of economic downturns.

[@JasonAmir-qo4uo]

That's intriguing, l've been on the lookout for a financial advisor who can provide sound guidance during these uncertain times. Could you elaborate on how Eric Paul Elmer has assisted you?

[@RoseBalerus]

Certainly, Eric Paul Elmer provided me with tailored financial strategies that not only protected my investments but also helped optimize them during periods of economic turbulence. His insights were truly invaluable.

[@RoseBalerus]

Do a Google search and you will get his details and more information on the protocols

[@shreyajaini2439]

Very informative Sharan! Thank you so much for this video. Continue doing your great work. Kudos to you and your team 🎉🙌🏻

[@siddhantsawarkar7590]

Hey sharan great work, Appreciated. ☺️ If possible make up a video on explaining how to calculate all this numbers including coast fire. That would be really helpful. Keep posting.😇

[@AnuBlossom]

Just found your channel. It's great! 👌🏽

[@NeevAgrawal]

Fantastic, that's what we needed,

[@justbe3708]

Wow your English is good. Even i am working in Singapore, talking English in office since there is no my native speakers. But i cant talk like you. You are very professional in English and calculations. Thanks for your great service

[@nikhilkhandagale819]

Super Session Abhishek sir 🔥👏💯

[@ayushpradhan8839]

Getting the Dave Ramsey Vibes

[@hanil-johndesouza8549]

I literally came to the comments to find this! Dave Ramsey with hair

[@financewithsharan]

I’m honoured

[@tayalmanan28]

So True😂

[@hardmorabia9654]

Pay off your debt now!

[@ayushpradhan8839]

@@hardmorabia9654 😂😂😂😂

[@vigneshraj3360]

10:10 he has rightly mentioned, maximum possible cover. No matter how many policies I take for how much coverage i subscribe to in each policy, at the time of settlement, i will only receive the maximum possible coverage proportionately from all the policies consolidated right?

[@samarthsrivastava2416]

this is what we needed!

[@financewithsharan]

More to come

[@nainashrivastava5908]

Finally someone did it, thanks Sharan. Hoping to watch more of these examples!!

[@vishnuteja9823]

Trust me sharan this unfiltered conversation series is an “Extraordinary Initiative” ❤

[@abhishekfarande9672]

It's not an initiative , it's copied , initiative must be unique

[@vishnuteja9823]

@@abhishekfarande9672 from where

[@reeeyan5926]

A=P(1+r/n)^t is the solution for every question

[@DeepakGhule]

Dave Ramsey from Mesho 😅 (PS. love this content, please make more of these videos as these are more relevant to India and our culture)

[@vishaldubey1228]

Please tell something for the people who have savings of around 3-4 lakhs till today and earns around 2 lakhs per month combined 😂😂 1 cr itself is a high number.😅

[@kinggenji4249]

No hack just keep working till you die

[@anirbanchattoraj6870]

Looks like the story of many households with both the couple working in their 30s. Responsibilities and loans are the reasons they can’t get ahead.

[@vishaldubey1228]

@@anirbanchattoraj6870 true but for me the case is bit different… I don’t pay emi till now but still not able to plan for a house in bangalore or pune looking at the cost.

[@RIZWANShaikh-hn1eu]

Kon investment kar k profit mila batau

[@moneymitraofficial]

Really eye opener sharan. I love the kind of reality people should know.

[@pulkitnarula2205]

Age 22 Monthly investment 55,000 in mutual funds Stocks per month 10,000 Expenses 10,000 Have multiple lics policies Term insurance 2 cr Please tell me I'm on right track or not

[@HeliY-w9k]

What do you do iitian?

[@pulkitnarula2205]

Business

[@_Pankaj_kaushik_]

Kya business krte ho bhai ?

[@pulkitnarula2205]

@@_Pankaj_kaushik_ hanji sir

[@_Pankaj_kaushik_]

@@pulkitnarula2205 business kya karte ho bro ?

[@ashwinchakravarthy4384]

Love this! This was fun! 🔥❤️

[@TechTiNic]

Retiring early should not be a goal , being financially independent should be the goal

[@Midhun0906]

Good info. Only thing is Tiago's analysis should have been a bit deeper. His income won't stay the same y-o-y His expenses increase with marriage/ kids of he plans to have Both key factors were not considered. But I love this show for the amazing way I can connect to my personal goals and plan ahead.

[@lostsoul4317]

5 lakhs a year on school fees? The kid better become a rocket scientist 😂

[@Lynnadamspearson]

*Hallelujah!!!! The daily jesus devotional has been a huge part of my transformation, God is good 🙌🏻🙌🏻🙌🏻🙌🏻🙌🏻was owning a loan of $47,000 to the bank for my son's brain surgery (David), Now I'm no longer in debt after I invested $12,000 and got my payout of m $270,500 every months,God bless Chloe Linda Henderson🇺🇸🇺🇸🇺🇸..*

[@Karaventer-r3n]

Hello how do you make such monthly ?? I'm a born Christian and sometimes I feel so down 🤦 of myself because of low finance but I still believe in God.

[@Lynnadamspearson]

Thanks to my co-worker (Alex) who suggested Ms Chloe Linda Henderson.

[@LukeRyann]

She's a licensed broker in the states 🇺🇸

[@LukeRyann]

After I raised up to 325k trading with her I bought a new House and a car here in the states 🇺🇸🇺🇸 also paid for my son's surgery (Oscar). Glory to God.shalom.

[@davisethan561]

Wow that's nice She makes you that much!! please is there a way to reach her services, I work 3 jobs and trying to pay off my debts for a while now!! Please help me.

[@vishwanath-ts]

03:01 Even Sharan got surprised when he said 3 lakhs is the expenses excluding loans🤣🤣🤣🤣🤣🤣

[@financewithsharan]

😅

[@gamezy4674]

They must be throwing home party in the weekend inviting friends which easily contributes to atleast additional 25k expense and also must have enrolled into expensive clubs in which you need to keep paying maintenance fees.. Also must be buying expensive gadgets and branded bags and stuff.. But surprising is they don't even have kids yet . Once they have the kid I don't know how much the expenses is going to shoot up

[@vishwanath-ts]

@@gamezy4674 Truly reckless spendings.

[@baburajan9363]

​@@financewithsharanWhich investment gives 12% return without losing actual amount 1cr?

[@Dracarys_123]

​@baburajan9363 ....

[@soumyadip1000]

Good Initiative

[@kkoolpatz]

Few suggestions for the hosts: 1. 12% per year for life are not easily achievable. If you think the inflation is 7% it’s hard to make 12% per year in the long term. 2. If you celebrate the fact that car loan will be over and increase the total amount of money available to be saved, are you assuming he will never buy another car in his life? 3. It wasn’t clear to me why the coat fire age needs to be reached 10 years before retirement?

[@ANTICARB]

Even this guy with out any financial math earns upto 3l per month and here I am stuck at 40k per month.

[@AnshAgrawalag09]

Bro if you’re 40k right now, don’t do financial planning lol. You need to invest in yourself right now, learn more, travel more, explore more so that you’re able to become capable enough to actually start planning your finances. Ye 5-10k bachake koi bhala nahi hoga

[@masterdebiprasad4927]

Relatable. Quick answer - that guy is not wasting time on KZbin like you and me. Lesson of the day.😂

[@reen1802]

Eagerly looking forward to more episodes. Also, how do we post our queries to the show?

[@Cricketvilla31]

Great content Sharan... Expecting more content like these....

[@lakshnaramesh9733]

"The Ramsay Show Highlights" Exactly the similar talks

[@niteshbagla]

If smoking related issue are not covered under insurance then why we pay more premium for disclosing it

[@jagadeeshdhavala1357]

Brother made very useful video, and touched point is disclosed or Not, health insurance will not be covered, with this people can save some bugs by hiding it. Loved It, Keep Help Us.. 😊

[@dhruvbatra2478]

Pretty fun to watch. Kudos to both of you.

[@financewithsharan]

Thank you so much 😊

[@karanranaofficial]

Love these live real-life cases. Keep'em coming...

[@-PiyushJi]

In my opinion LLA’s team has done great work in educating people about insurance and related field.

[@muhazahmed5836]

Me watching his counting with 2k bank balance 🙂👍

[@Mr_mrs_hodophile]

Shran when you suggested Tiago that he’ll save up around 60k per month But you forgot he has a daughter and her education cost will add up, now how do you suggest ??

[@iamAK47]

This is a great series..getting David Ramsey vibes 😂 It Would be helpfull if you could show the calculations in an excel as people tell you the details..so that others can follow!

[@tanmaysamal8590]

Dave Ramsey style show. Nice

[@utkarsh9197]

Love this of content . May u release some more videos on this topic ❤

[@amitpaul7940]

Need more episodes like this. Very interesting.

[@thevishalln]

Sarath has never achieved financially independence himself. He was making videos for a living. He runs a company now. He shouldn't preach this.

[@RoxanaNegreanu]

I don’t live in India, but I found this video really interesting. Even though the advice can’t help me too much, I found this video enjoyable. It was easy to understand the voices even with the accents, which is very good. Even though I am not very familiar with India, the Indian economy, and the Indian currency. I was able to grasp the idea of these things. Overall I really liked the video and am going to try to watch some more soon. P.S Make sure to continue this series as it is very informative and interesting!😊

[@raghavendrasuru6545]

need more such videos please 😃

[@financewithsharan]

Yesss more to come

[@raghavendrasuru6545]

@@financewithsharan Gracious ❤

[@faisalhussain9770]

I loved it I might need your help man

[@manditbanthia7057]

Nothing will happen watching these until you get there

[@extremeesports9552]

He is just using an inflation adjusted step up sip calculator and a fire calculator

[@yeetyeet1027]

More of this please

[@focusreflect8223]

It was really an awesome video, where I got to learn a lot about finance. ❤❤

[@urchillzone]

Bro... Dude has 1 CR in his bank as cash and brings in 5 lakhs of income. *HE IS FINANCIALLY INDEPENDENT*

[@AvinashPatil94]

You should start a show like Dave Ramsey.

[@lalitabidika7248]

Liked this new way of making podcasts ! 🙂

[@DKA-ki1sx]

You all are thinking making money for ritrement .I am thinking about what is meaning in life 💞. Money needed for living but life need purpose.But my financial freedom is specific 1000cr❤😂😂

[@substationlines6829]

Ask the first caller to have kids , enjoy the life with parents

[@MayankSinghania]

You should also assume a increase of 10% in the income yearly and hence a 10% increased savings while calculating.

[@Financedude007]

Thanks

[@Gurimpo]

What kind of investment will give you 12% return interest in India?

[@Poonamkewlani]

Where we should post our questions?

[@RydiiCollection]

Bro is really impressed by smoker

[@bhavya0722]

I think that retirement Corpus, income , expenses and financial planning can be done through a financial calculator. And there are lots of videos on KZbin or on other platforms that are helping free of cost with expertise. So i think there is no sense of buying the membership of 1% club and it waste of money. By the way, nowadays content creators are making money by telling how to make or how to save, invest money of others. Like it is the business of content creators.

[@financewithsharan]

You might be an expert. For most people this is like Latin and Greek. Anyway appreciate the feedback

[@faisalhussain9770]

You are right bro I need your help can you tell me what. That banglore person do as living​@@financewithsharan

[@shabina_wani3778]

Damn! People are making so much money in India.

[@Ilayarajfan]

Finance with sharan, I didn’t watch this video, but from title what I can say is, a person spending 3 lakhs per month is living his life. Others, save so that others can live their life. 😂😂😂😂

[@vaniv187]

Hi Sharan.. Thank you for the insightful information always. I learned a lot as a homemaker. Though I used to work initially now it is a huge gap... So I take care of my home finance😊 I wanted to have clarity on a few things: 1. How are the Short term, Medium and Long term goals bifurcated? ( No. of years) 2. What are the safe instruments for investment with regard to inflation apart from FDs and PPF ? 3. How much can I estimate for my kids marriage expenses adjusted to inflation in 7-10 years span. 4. For retirement fund its not only the household expenses adjusted to inflation there maybe health issues which may go over the coverage u have today ( medical inflation ) how can we anticipate and add that also to the retirement fund. Or should we keep that separately?

[@LimitlessGamers]

People saying 4lakh expenses meanwhile with 20000 salary chilling😢

[@vaibhav-365]

Not sure about him but by doing this, you surely can.

[@rajagopalkannan]

Please tell me how much money would be considered financially independent at the age of 47, current expense is 60K, life expectation is 30 years more, no liabilities

[@abhishekpolicepatil2829]

Very informative and instructional video 👍

[@shamsulhoda8195]

With first caller,that vested ESOP worth 2cr currently should have been discussed in a bit detail. Like- strike price,gross profit,taxes and then net cash in hand. Would have given a clearer picture then.

[@rajatchaudhary481]

My monthly alone expenditure only 7k That's enough just for me 😂

[@abhinavravichandran1292]

Sharan sir how to invest carefully in equity and debt fund indexation

[@kartheekm6175]

Hi sharan bro. I watched all your 1 percentage podcast.. My feedback.. you are good at shorts with your content.. but when you are interviewing as a interviewer you have to upgrade the way you speak.. .. you can compare with other youtubers like beerbiceps or shamani.. or other channel who are doing podcast and check..

[@liteshgarg8490]

Great sir need more episodes ❤

[@aukash]

These days many people have started to travel and maybe this person is keeping a budget every month for a possible trip whether domestic or abroad and that ambitious goal may have made him say he needed 3 lakhs per month.

[@anudeepchowdary1961]

We want more such type of videos

[@Bullsandbearbulletin]

Good info on insuring covered..!

[@nikhilraj1390]

Awesome want more such videos for sure

[@geeta59]

12% I mean I know India is growing but assuming 12% every year at current valuations is the biggest drawback in this calculation.

[@nisargmodi00]

we want more such videos!! Full dave Ramsey vibes.

[@drameerhussain]

Not every lung cancer is caused by smoking… have seen patients who never smoked got lung cancer

[@manavgoyal6885]

If one has cancer in 2008. And after treatment he is 100% well. Nd so now in 2024, does he need to disclose the cancer disease in term insurance policy or not?

[@missdevayani]

Yes

[@mohitnegi724]

Great show.

[@sunilabraham2590]

Hi anna i am 17 i startwd seeing ur vdos frm the corona lockdown period and i get rs 2500 and i put tht full amnt in sip like i hv diversived the risk like my only dream is to have a session with u wekl my dad does not support ur vdos but yeah i learnt tht i promised tht i will retire at 42 or 45 and have a better lifestyle thn my dad anna i am frm Bangalore anna

[@vsharmishtha16]

I received some amount from my parents..i want to invest but i dont trust the mutual fund madness going on. Where do i invest?

[@selvakumarthevar518]

With age 37...Term insurance for 4.8 will not only 6k a month ...it would be much more then that

[@Prakhart4]

That was fun

[@deekshasingh4551]

More sessions like this for age group 25-30 adults pls

[@kushalchawra]

Such calculations are very hypothetical. Life is uncertain. And no one adds the complex situations one can face during the course of their life. Situations can change the expenses. Nothing is certain or constant that every month for so and so year you will be able to save X amount for investment

[@shiwaniarora9337]

These calculators are freely available online. I was expecting something good from this episode. Disappointed 😞

[@arnavsharma65]

Please more of these type of videos and also make a video on how we can calculate our own fire number like you did for the people in the video . 😃👍

[@mercurym9137]

Exactly this kind of session I was looking for. How I can ask join and ask my query ?

[@zubinsadariwala5302]

I want to know same.. how can I join

[@MutualfundsahiHainbutkaunsa]

Don't retire. Do sip for some year like 10 year and stop sip for another 20 yrs till you BCM ,60. Leave sucking jobs after 10 yrs of sip and do job which cover ur expenses. You will lead a better stress free life

[@Stallernovaa]

When he said he spends 5 lakhs on his kid's school fee o fent tht my girlfriend's father spents 5 lakhs only on her tution fees 💀