COMPLETE FINANCIAL PLANNING for Rs. 25,000 SALARY! | Money Matters Ep. 10 | Ankur Warikoo Hindi

[@warikoo]

If you wish to be part of the Money Matters series, please fill up this form: forms.gle/Tmbo2nUTnhn9vjpG7 Money Matters is a series where I have conversations with normal people such as you and I, on your personal finance issues. It is important to note that I am NOT a financial expert, I am NOT SEBI registered, and I am NOT qualified to give financial advice. Everything that I say in these videos is purely through my own experiences. - So these videos do not offer any stock tips, or specific mutual fund recommendations or get-rich-quick schemes. - I am not selling any product or service through these videos. - None of the brands that I mention in these videos have paid me to mention them, unless I explicitly say so (and I will say if the video is sponsored). This also means that my advice may not always be the right advice. So incase I make a mistake, the best way to correct me will be to share your point of view in the comments, so that everyone can benefit from it. I am not perfect, nor claiming to be either and would love to learn and grow. The idea is simply to help people with their finance journey and through their story try to help others who may have a similar story. If you wish to be part of this series, please fill up this form forms.gle/uj9JPUBp8Wo9nZQi7 My Money Apps: Indian Stock Investing (Zerodha): bit.ly/3iYKROh Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): bit.ly/3iYKROh US Stock Investing + Investment Tracking (INDMoney): bit.ly/3tT5moR Portfolio Investing (Smallcase): bit.ly/3u0is0I Corporate Bonds (Wint Wealth): bit.ly/3sbUI8c How to pick the right insurance (Ditto): bit.ly/3xFh7OU The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions. My bestselling books: 'Make EPIC Money' here: amzn.to/3WHJ43F ‘Get EPIC Shit Done’: amzn.to/4fK1IR5 ‘Do Epic Shit’: amzn.to/4fK9uuv My gear for shooting this video: 🎥 Sony a7III camera: bit.ly/3M42wAV 🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0 🎙 Shure SM7B Microphone: bit.ly/3O1NAVA 🔆 Fill Light 60W: bit.ly/37aJolP 💡 Key Light 150W: bit.ly/3O9nyjs 📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1 The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L.

[@rahul.arora.ra2]

Sir I have a question. Why do u always ignore the inflation and future circumstances waiting. For example his marriage expense, after marriage couple expense, after than their 2-3 children expense( their hospital bills, education bills, nutrition, skin care etc.) , Home utilities, lumsum expenses waiting and can occur anytime ( When anyof these will be defective - new phone, new tv, bike/car/scooter, AC/Cooler etc etc) , Also health policy is valid only when they're hospitalized, So there is also health expenses if anyone gets ill but not admitted which is very normal + medicine expense+ doctor visit charges, also dentist expense I can keep the list going but I leave it over here. Moral of the Story - Sir thinks he will survive on 5k for the next 30 years ( Also, reality is he will not get 10% rise in salary every year or even if he does by luck then as per recommendation he will be doing steup up SIP = He ends with 5k again)

[@ErtugrulVideo7]

আপকা ঘর কিধার হে

[@ErtugrulVideo7]

Aapka Ghar kidhar hai

[@ErtugrulVideo7]

Please bataiye kyunki mere sath aap Jo video banaa rahe hain na mere samajh mein nahin a raha hai isliye main aapke sath Milana chahta hun

[@shivam_ji99]

Sir make one video on about how to avoid distractions please sir because all of telling theorital things not practical

[@sauravchandra10]

His total investment is 20K per month, even people with 50K - 100K income are not able to do so. Benefits of living with family.

[@shehzaadful]

He presummed that mom is saving all his money not sure about it

[@htxgaming4946]

reslly I live with my family my dad , he is not earning.. sabki life alag hai gyaan kam de or compare mt kr apni life sudhar le

[@justprakash2653]

@@htxgaming4946 🤣🤣🤣🤣🤣🤣 very great reply

[@clever8138]

​@@htxgaming4946bhai vo kehna chahta h ki family ke sath rehne ke alag fayde hote h, you don't have to pay rent, aap khana vagerah bhi gharka khapaate ho. It's much better compared to living alone, when you pay rent, spend on food etc. Obviously family wise differ krta h, maybe you live with family but still pay rent, maybe your father is not earning etc. he just mentioned a specific case and should have been more clear definitely. But I don't think he meant anything wrong.

[@htxgaming4946]

@@clever8138 I know buddy but still its not same for everyone

[@ayushpandey7746]

This guy radiates positivity.

[@navysonsingh4010]

I believe most of the people understand less about the life insurance, health insurance, (insurance stuffs). Would you please educate us more in that regard? because your way of expressing/elaborating things makes it easier to us. Those who agree on this topic please give a like, so that he notices.

[@learninspire308]

Yeah please make videos on different insurances @warikoo

[@gamingwithshashaichi]

Yup we need it

[@easytricks711]

Yess..most needed!

[@RambabuYadav-ku2ix]

Money Matters Video को देखकर एक बात तो समझ में आ रहा है की अपने पैसे को कैसे मैनेज करे Thanku sir jee❤❤❤

[@daily-dose3669]

aman is a great well brought up kid .. he knows the value of money and contribution of his parents towards him

[@SukhdevSingh-fb7ww]

You are spreading financial literacy.great job.Thanks ankur

[@NicholasBall130]

It is advisable to save at least 15% of your income in a 401(k). Online calculators can help you estimate the appropriate savings amount based on your age and income. By saving at least 15% of your income in a 401(k), you can work towards a comfortable retirement. This strategy allows you to benefit from compound interest, potentially growing your retirement savings significantly over time.

[@StocksWolf752]

I'll suggest you create a diversification strategy because building a good financial-portfolio has been more complex since covid. Recently my colleague advised me to hire an advisor, surprisingly I have accrued over $120K under the guidance of my coach during this crash. She figured out Defensive strategies to protect my portfolio and make profit from this roller coaster market.

[@StacieBMui]

Accurate asset allocation is crucial. Some use hedging or defensive assets in their portfolio for market downturns. Seeking financial advice is vital. This approach has kept me financially secure for over five years, with a return on investment of nearly $1 million.

[@cowell621]

Mind if I ask you to recommend this particular coach you using their service?

[@StacieBMui]

Sonya lee Mitchell 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.

[@crystalcassandra5597]

I looked her up, and I have sent her an email. I hope she gets back to me soon. Thank you

[@MenAriseYT]

This guy reminded me of me and my family 3 years ago where our combined family monthly income was around 40000 and how i was eager to learn about investments to grow my income.

[@bristidas3198]

I just received my 1st month salary. And coincidentally came across this video. Gonna make exact same investment. Thank you so much 😊 very helpful very informative

[@tahiriqbal-tn2fl]

Eat some pizza 🍕 and enjoy

[@vlsruthwik]

Google's tracking your statement? 😅

[@yuvarajkar9837]

This is literally the best podcast I came across in the last few days. It has all the information that an entry-level middle class employee needs to hear about this.

[@SameerKumar-kl3iv]

"Its just about consistency" Alone this sentence shows maturity in his mindset.

[@abhimanyubhardwaj8860]

I am 27 and i have learned from you in the past 1 year than anywhere

[@MahiRathod-q6w]

What

[@theredbaron28]

Sir, please keep doing this work, irrespective of the numbers you get. It is helping a lot like me who are in 40s and still trying to come out of the struggle loop 😊

[@merajali938]

Great explanation, much needed sir

[@polashtube7107]

I'm 24 and earning 46thousand per month,, I'm sending 30thousand to my family and spending 15 thousand on me,,but at the end of the month I feel like a beggar 😅😂

[@Took_D_photo]

Bro i earn 1.2 L and its the sane for me😭

[@ultranoobpromaxInfinity]

What's your job and position bro?

[@PrinceSharma-eh1if]

What do you do for a living bro?

[@PrinceSharma-eh1if]

​@@ultranoobpromaxInfinitybro what you do for a living?

[@venkateshb4464]

Broo 😂😂

[@jeetendrap9996]

Nice to see this change happening.. And fab Aman, very genuinely shared with Ankur for his guidance and inputs! 👍👍

[@awaneeshupadhyay1970]

All the best brother for your future. You will do great.

[@Busy_099]

True gentleman with golden heart ❤

[@Vaishnavi_agarwalll]

No matter how much money we earn, we always live in scarcity thinking of house responsibilities. 😅 These videos of you sir , really a game changer to better manage our finances

[@MFAHEEM915]

It was a great learning session for me...first tym in my life I have watched such type of video on financial planning....thanx to WARIKOO SIr🙏

[@nomadickunal]

Love it sir. Good initiative Series. Looking forward many more Episodes 😊

[@Ubrahma]

Thank You Ankur Sir Love You God Bless You

[@tanish_dadarkar]

Hi Ankur sir, I am 17 years old and when you mentioned that you have met a lot of 23 year olds saying that their life is over it it hit me that even I am like that, I know that I have a longggg life to live but I can’t help but feel like my 12th will get over then I’ll graduate then I’ll get a masters degree then boom I’m married I’ll have kids and I’ll get old so fast when will I ever buy the luxury cars I dream of, I also have this one Goal to gift my dad a bmw and retire my dad as soon possible. And it’s not even like I come from a financially struggling background , I live a very very comfortable life in a 2bhk house 2 cars a bike a scooter etc etc,it’s just painful to see my dad work so hard and I can’t even get good academic results , the urge to show them success is so so high/strong/whatever you wanna call it, what advice do you have for me

[@HustleWithShubham01]

You are doing really great work by improving finances of other hats off to you by heart ❤

[@warikoo]

Thank you so much 😀

[@swapnanilkapoor1319]

This is a great selfless service to humanity. Whatever is told otherwise, I believe this is something every Indian would love to know apart from fd, gold & real estate investment. Great service Mr. Warikoo!! Would love to help in this people's movement whenever required. ❤

[@ankitsharma1072]

This guy is a green flag. I loved his positive and learning attitude. Love the dude. Keep growing!

[@Meghaukani]

This is the first episode I watched of 'money matters' and the way you helping people with this is epic ❤ Love, cheers and all my good wishes 🙏

[@BeastEater-bt8fz]

this series is game changer for this youtube channel and I wish ankur sir to continue this series and I expect other financial channels to start releasing podcast series like this

[@sagargunwani5515]

I used to hate Ankur sir due to his ads , but his content is so amazing , I actually follow his advice and its really worked for me , thank you so much sir , love your spirit and attitude ! ❤😊

[@dabhipiyush53]

I'm 19 now and working in refinary since 1 year 2 months. My family is financially very poor, Only one hut type room in which 5 members lives ; no car , no gas connection for cooking, empty bank account with zero investment and debt of 5 lakh for making new home and younger brother's studies. I just completed diploma and started doing job, At age of 17 i get job of 25 and now 35 k/month . I gives every sellery to my parents due to high expenses of studies. I invested 50 k in market and got 35 % returns but i sell my portfolio to give at home. I hve SIP of 2k and want to increase How should i Start investing? I can't invest for 3 to 4 years to pay debt and other expenses.

[@amitx26]

Bro is optimistic...good thing

[@humptydumptyvlogs5575]

Very positive guy ! All the best wishes to him 🍀

[@tejassalankar5746]

Best video for anybody who want to start investment. Thank you sir. Ur great teacher

[@Manebolte]

Commendable Job Sir, You made me BUY insurance for parents

[@ManifestoMind]

This video is what that every Normal job worker need to bcz in India there is a lot of people earn somewhere between 20k-25k per month and this plan should give him a future ❤

[@dominicg9167]

Omg what an explanation what an experience of knowing this knowledge in bits and pieces of financial management and family planning in smart investment. At this point of time me lying down n watching this video along with my wife who is WFH, even she felt awestruck hw to invest smarty while listening this, her comments to this " how nicely his saying and explaining" just brilliant both of doubts got cleared now for sure but there is always to learn more. 40:09 at this point I also have very less doubts just got excited to the amount lol but on serious note this is what I have just felt . Thank you so so much, Masterpiece! ❤️ Thank you sir, n thank you champ all best to you for your future endeavours n upcoming goals. And sir nothing to say much ur a genius ❤ Regards.😊

[@smitpatel9173]

This is batter than podcast

[@fantasyxpress7966]

Brilliant video and very bright energetic guy loved his energy

[@SwarnavaMajumder-o8l]

Such a good attitude, he is really here to learn. If he was a stock i'd invest in him cuz this guy is going somewhere, mark my word

[@pragati600]

40k salary hokar bhi khud ke liye 5 thousand spend nhi kar sakte😢😢😢 just lower middle class kids thing😅

[@ankitnayal9850]

But in the end ye acha hi hai agar aap apni wants ko Kam hi rakho to mere opinion me😅

[@shoaibsheikh7741]

For Whatever cause u spending ur rest 35k on ur family is also an investment which will give unmatched return better than stock market..paise badme kama loge abhi rishte kama lo, and remember upar wale ne tumko choose kiya h for a reason keep the fight going..

[@MohitSingh-fw1fo]

70k p bhi nhi kr pate😂😂😂

[@SinghGaming501]

Eder koi job hi nhi hai kya kare logo ko litna shuru kare yar chori daka mare 😢

[@sourabhkumarsingh7633]

Bhai mein 50k + Accomodation ke sath nhi kr paaa raha hunn.....

[@binathouman3164]

Thank you Ankur sir after watching your vedio. I started SIP. I learned a lot from your vedio. You r a great teacher and a motivation.

[@SanjeevSharma-vi3sv]

very nice to hear the conversation with common people, love it

[@Omeromer-ly5lg]

one of the greatest series i have ever seen

[@SarcasticAssertive]

Good series. Keep motivating GenZ

[@prachichauhan4768]

Aise episode ache lg re h ❤ Sikhne ko mil ra h km salery m saving or investment ❤

[@kartikraval2349]

True

[@AMANSingh-gg4nz]

Really a great financial session with great explanation.. Looking more content related to this in future, Thanks for sharing 😊

[@asifiqbal5877]

Dear Ankur , thank you for giving very much information in a very less time in Financial Planning.

[@sunilkumar-iq2oq]

Looking at him I can see the positive vibe

[@tanmayagrawal8046]

Loved the way you explained however, teaching about inflation while investing or inflation on the invested amount after 20 40 years was missing.

[@OnstreamGaming]

your talking style and encouraging people for their wellness is what i admire alot aabout you ankur sir

[@videoshuffleproduction]

Ankur Ji, first of all thank you for guiding the youth of our country for better financial growth. I need some advice and guidance from you. It will be so helpful for me to get assistance from a mentor like you. A 35+ years married guy. Earning nearly 50k+ per month. What should be the best way to use this amount for investing and to make ends meet ?!?

[@nishantchavan7849]

i didnt knew about this episod of rohit sharma with ankur sir and he was data analyst before cricket happened.

[@sameerahkhn]

He's so genuine and helpful with this.

[@arjun_vinod]

This was the video I was looking for. I appreciate how you broke down each step and it really made a huge difference for someone like me who's just starting out.

[@vijaygmaster]

Very positive and determined boy...

[@AnilKumar-sl4wl]

Very nice explanation, thank you sir

[@Foodician]

I loved his attutude. That smile. All the best

[@Studio-eh6xo]

Everyone becomes happy how their 10000 savings becomes crores 10-20years with 10% stepup rate. Please let everyone know how much they have to invest to get these amounts. monthly savings = 10000 After 1st year monthly savings = 11000 After 2nd year monthly savings = 12100 … … Every year increasing by 10% as said by him. … … And for 20th year one has to save 67275 per month to get your said amount. Everyone think it’s easy to make crores by doing your calculations.

[@subhajitdalai8991]

Salary will also grow to more than 2 lakh . Don't you know that ?

[@heyareyouokayy]

That's not a big deal because salary will also grow, but 1 crore after 20 years will be worth 20 lakhs today 😂

[@trishitswarnakar4913]

Please continue this series....I am 18 now I will surely like to join this after my first income

[@AmitYadav-yv8zo]

Very very informative video hats off to you. ❤

[@adityapagare467]

Very good explanation sir, I loved it

[@dipikadas9278]

Its literally great lesson. How to be a part of money matters

[@praveen5699]

By seeing this i have a few question. If you have time, please answer on point wise. 1. Assume he continued on SIP for 5k p.m for 20+ years and he got some crores in the end. Does it attract Income tax? 2. What is the proof he has to show to get the final amount? Is it automatically get in our bank or we have to submit some docs in digital platform? 3. You call it as silly, but after 30 years we dont know what will happen and if Demat account get bankrupt and it close, then how we get our money back?

[@fightingquaker1042]

Best Health insurance to purchase right now in the market is RB health Insurance plan. Where the sum Insured starts from 2 lac rupees to 10 lac rupees. With no room rent capping and welness plan too.

[@somsubhrasarkar6182]

Kamal ka video hain Banda insurance company main Kam karke insurance ka basis nahi janta lk what is lf insurance what is term insurance.

[@sonarajput2023]

He spend there only 3 or less month so...

[@surajmondal3355]

Really very informative sir. I am student and really passionate to learn more about financial management.Thank you so much ❤

[@naman881]

Hi ankur, my investment are going on in nps - 10 k from June 2018 to 20 k till May 2024 on monthly basis. It will grow up by 5 percent on yearly basis because of growth in da and annual increment. Till now invested 11 lack and there current value is 14 lack approx. Even though it seems that at my retirement I will earn approx 3.5 cr. I think in future this will not good enough because of inflation

[@shreedharpatil4518]

What will be the value of this money after inflation adjusted sir?

[@UmeshAcharya-v5z]

Sahi bat hai bhai kaha invest kar raha hai

[@shubhamanand6092]

Hello brother, are you from CGL 16? Most probably Divisional Accountant?

[@naman881]

@@shubhamanand6092 no

[@naman881]

@@shubhamanand6092 nahi

[@Kidzology-c5u]

Ur such a wonderful person sir 😎

[@Lawgraduate07]

Its a game changer. Thank you for making this video

[@kartikraval2349]

Hey kartik on this side... I read your description and it quite interesting. 🚀

[@mark42-is-mine]

I really liked his spirit.

[@The1club111]

As Always Valueable Content 💥

[@Mrprofessor59]

Sabki ma same hi hoti hain❤️ they never spend the amount given by their child until and unless there is life threatening emergency.

[@afsaanofficial]

48k salary hai fir bhi 2000 spend krne main dar lgta hu Q Qki family ka bhoj itna hai mere upr bada beta hai na ghr ka😢😢

[@blackHatman007]

Same here brother.

[@sudhitpanchal4996]

aap ki age kitni hai sir?

[@afsaanofficial]

27 running

[@abhishekgupta7185]

Wife se bolo koi job kre 😑

[@unknown-ux5it]

​@@blackHatman007 Aisa kya monthly spending h bhai

[@raju2638]

Very good conversation sir🎉🎉

[@travelfoodie4594]

Waho bhut vadiya aap nai smjayea ☺👍

[@sv9581]

This series that you do, make me so happy. You truly are reassuring in your ways and show a ray of hope to the guys who are willing to participate in these episodes. The smile on this guys face, made me so happy. Good going and I wish more power to you for changing people’s lives and instilling a sense of positivity in them. Great work

[@amitmondal1852]

The personal investment of 10k per month with 10% step up become 27cr its look cool but the real fact is in 30th year you need to invest 158630/- per month. So as per income ratio you need to increase your income from 25k per to 4lac per month . Note - Don't take it as negative perspective its just a calculation with clear image .

[@clashhub_]

So true

[@shekhjamsherali7486]

😊 dear Ankur sir मैं आपसे सिर्फ इतना जानना चाहता हूं आपने जो जो म्युचुअल फंड की बात की क्या आप उसके नाम बता सकते हैं जैसे निफ्टी 50 तो निफ्टी 50 में कौन सा ले। IDFC UTC ICICI Tata SBI and etc. मेरा कहने का मतलब है आप बता दे मैं सीधा इन्वेस्टमेंट शुरू कर दूं क्यों कि कहीं मेरी रिसर्च में गलत ब्रोकर या म्यूचुअल फंड ना चुन लू। प्लीज रिप्लाई दीजिएगा

[@JordanSaini13]

Same here sir I relate it bcz I don't also know all process of sip or any funds 😊

[@quotespower9911]

Nicely explained insuranxe and mitual funds . Thanks ankur♥️♥️

[@morphine7824]

18:49 Step 1 20:38 Step 2 21:58 Things to consider while buying a health insurance plan 33:17 Step 3 36:38 Excel

[@ItiswhatItIsmahn]

Sweet guy, wish him all the success in life.

[@ArAnkitKumar]

Great sir, aaj tak kbi b ni suna ye sab

[@hashirimran4943]

I earn a good amount and in my 19 Analysed that i got significantly ego living having best phone and best drive best clothes on me.. this episode gonna help me alot into my upcoming chapters of life Thanks for this guidance ❤️

[@AlexX-vy3wx]

Sir you are the best i have seen in yrs... I saw most of the others..but yours is so simple

[@narayan571]

Great initiative for youngsters... How to manage your hard earn money 👍

[@mayankKumar-pg9jk]

Money management mere liye bhot jaruri hai i am FOREX trader thanku sir ❤️

[@sachirout2167]

thank you for changing lifes.

[@Highcloudd]

It is my first comment on KZbin ever and if today I m doin it so uh deserve it sir.... thanks for this video and really appreciate it 🙏

[@Krishnendu7480]

Hello 🙋‍♂️ Sir!!! I start my investment journey in 2020 ✈️ to 👀 see your videos 🎥. You really change my mindset 😊. Now I invested in stock 25%, mutual fund 35%, liquid fund 5%, Gold 10%, Scss 25%(My Dad account Int. Rs. 8%). Also I take health insurance for my family 👪 (Me, wife and son) with 10 lakhs covered. But unfortunately don't take a term insurance. Now I'm ready to take a team insurance for 60Y with 50 lakhs covered, it sufficient for me. And I have a PF account, ESI facility also. My parents are 60Y that's why I don't take health insurance. But ESI covered my parents. Now my target 🎯 to 🎯 achieve 🎯 financial 🎯 freedom🗽 in 50Y(Now I'm 33Y). Buildup a wealth in CR. I continue SIP and buy on deep also. We have a wone house 🏠. And my hobby traveling with reasonable cost. 😊😊😊😊😊

[@Ankur_Warikoo00]

+143

[@Ankur_Warikoo00]

2316

[@Ankur_Warikoo00]

0364

[@Ankur_Warikoo00]

What's app

[@digantanath5924]

Hello Sir I'm from Assam and I'm a regular viewer of your channel and you are my best financial mentor I have learnt a lot from you. Sir recently I heard about the Business idea of earning from a Life Insurance and making a Cash Value Account. I searched over KZbin but I didn't find such proper knowledge about it. Can you please make a video on it in detail? Hoping a Positive response from you Sir. Love you Sir❤

[@AzadHusain-z1l]

Sir jis din ameer ban gaya aapse jaroor milunga ❤

[@sukhpalsingh4928]

Thanks Ankur for another boost up to our coming generation stay Blessed 🙏

[@smarajitpunaykanti6463]

Mumbai jaise city me 25 se 20 bacha lete ho . Hats off to you man.

[@dhirajlokhande8]

Thank u sir 🙏 i am 22 year old and my salary is 16k

[@NaveenItagi09]

People earning between 30-50 k per month , might be good to invest 10k for overall mutual funds … since we need to build a home and we may need emergency money which can be in FD or some gold investment or property investment ..

[@familymantalks]

Learned so many new things in this video. But 18% CAGR not ideal when nifty 50 index fund is major part of portfolio, I think 10% to 12% can be ideal while calculations. Also 10% step up is not possible for everyone, 3% to 5% can be as age grows responsibilities also grows so the expenses.

[@ArjunYtseller]

it’s average of small, mid and large cap, so its logical right?

[@Surajvaish-p2s]

Helpful video❤

[@SubhamUnscripted]

Ankur, you are doing super amazing job ❤