Earning 30 Lakhs in Delhi with ZERO Savings | Fix Your Finance Ep. 75

[@swapnilchoudhari9878]

The person suddenly thinking, how is this mike promotion related to fix my finance , may be anshu is fixing his own finance😂

[@swarnendumittra3513]

THIS!

[@anikethdeshpande8336]

Exactly 😂

[@theloserboy7260]

Nothing happens in free dude

[@cbazxy2697]

Why should it be? Irrelevancy is the best part. It's okay if it's not relevant to you. IMO with such sponsors, KZbin's can be more unbiased in their videos . Tim dissaint, a fashion KZbinr once got sponsored by a car ! !

[@Corporate_Way_Official]

😂

[@digvijaykatoch5909]

This guy is under a lot of pressure due to his loans. Looking at his home vehicle etc the lifestyle doesn’t even reflect half of his salary. Loans kill growth. Thanks to Anshuman for saving this man.

[@Niyet22]

Why is he screaming the sponsor details at the guest?😂

[@quadxtech7263]

😂

[@vidhiagarwal154]

Guest bechara darr gya 😂

[@ExplorerSoul]

😂😂

[@YouTubeWatcher89]

😂😂😂

[@rudroroy1054]

I don't understand this Indian obsession of having lavish weddings that too by taking loan. This needs to change for our own good.

[@msdadsfsx]

and everyone complains of food

[@rasingh6893]

Vo ladka jo saal ka 25 lakh kama raha hai... Vo 20 lakh to minimum gift lega he...

[@shreyas229]

​@rasingh6893, what?! 🤣 Are you married yet?

[@anweshamandal6058]

​@@rasingh6893 what gift? Are you talking about dahej?

[@BarkaDog]

@@anweshamandal6058 yes

[@KRISHNAKUMAR-pg6hl]

Youngsters, if possible, buy a home early late 30s is good. Post 40 EMI will be painful given the hectic work or if you want to start your own business

[@abhiography]

Completely wrong suggestion. Buy a book called “Gain financial freedom by Deepak mullick” and read chapter 5 “roti kapda and 2bhk” page 80 you’ll understand real game. Don’t get trapped on long term emis you’ll regret it till your last breath.

[@kunalkhatate4898]

I have done that , I am proud of buying the house but sad that I have got tied up for 25 yrs with the bank coz of emi 😢

[@stevedinesh887]

Same salary totaly spent on this 😢

[@Nageshmokashe]

3:13 If the house is on EMI, even if you are living in it. It is actually not your house. The house is the property of the bank.

[@robby1992]

then adanis business is also not his own , debt lia h usne

[@cloud_Engineer]

@@robby1992asset to debt bhi samaj le pahle 😂😂

[@Nageshmokashe]

@@robby1992 If Adani does not pay his debt, what will happen ? If common man does not pay his debt, then what will happen ?

[@shauryarana5360]

​@@cloud_EngineerToh Ghar bhi toh asset hai

[@onkar1192]

@@robby1992what a Logic 🤡 ( pahle Individual Loan & Corporate Loan may farak samjh ) Company is separate legal entity. Kal agar adani ne loan default kiye tho uske personal assets ko koi chu nahi sakta. Par agar kal 1 individual ne loan default kiya to tere personal asset ke saath tuze bhi chukar jayenge 😂.

[@MrDantheman69]

The obsession of buying houses is impacting a lot on the net-worth. Just buy one house and live in it.

[@BarkaDog]

Yeah no. Real estate is and always will be the best asset to invest in.

[@amitchawla5124]

@@BarkaDog No its not

[@shermanjackson8519]

Sadly there are audio issues, there is an almost constant ring happening.

[@sanketnegi1]

Thats background music i guess

[@SB-cz3ww]

Beep like sound... Headphone me to bohot jyada pata chal Raha hai.. 🫥

[@pb25193]

Maybe it's the Shure mic

[@vikram0607]

Background music

[@shermanjackson8519]

It's a noise not background music.

[@sw9038]

Please consider inflation rate also while calculating the return

[@Daydreamer-763]

He looks very depressed . Pain in eyes

[@mohitranka9840]

5 hour per day travel + no money left at the end of the month. Koi bhi pain mein hoga.

[@jaypalnitkar4400]

Yes .. really looks unwell.

[@tanmaymishra8919]

He also doesn’t look to be in his 30s. He looks to be in his 40s at least😅

[@tanmaymishra8919]

He doesn’t look to be in his 30s. He looks to be at least in his 40s 😢

[@asishkumarmishra5053]

Who ever comes here just to see the salary 😅

[@aipanart]

Me

[@siddhantkumarsingh8591]

Kbhi kbhi lgta sala ,IT alag hi duniya higyi

[@Sandeeppandek21]

😂

[@SD_003]

This is why one shouldn’t buy house in 20s. I did the same mistake and now spending 1hr+ in commute each way 😢

[@madhun6432]

I feel this guy is too stressed about his finance, just chill enjoy the moment and keep saving and investing, don't stress yourself too much.

[@adveta.jewels]

anshuman pls tell me best investment for my daughter.. Kya mjh sukanya samridhi yojna m invest krna chaiye?

[@subhasharyavlogs]

Yess 💯💯

[@Itzmegourab]

Anshuman, please take this feedback very seriously. At times you learn from your critics: 1. You are deviating from the core subject. This wasn’t even near to Fix your Finance stuff you did in past. 2. This looked like a sheer promotion of the mic you were talking ( sorry screaming 😢) & have nothing to do with the other person. 3. Earn the credibility. Learn a little from Ankur Warikoo. See the way he is trying to fix the finance for folks in his show. Explain them - how can they reduce their spends, expenditures, lower their tax and many more. There are many things which you can do through this show. I hope you will seriously consider my points and will implement these strategies for your upcoming sessions. There is no harm in learning it from your followers. Cheers 4. Connect the dots. Most People even 2 years ago weren’t aware of financia markets & instruments.

[@fatboyrecordsinc.7773]

Kitna bekar baitha hai bhai tu 😂😂😂

[@ankitpare4563]

😂😂

[@CountingStars333]

😂 ankur warkikoo 😂

[@rashid4490]

Mistake 1. Invest in property without loan Only house is enough Invest in different things not in one

[@bharatgyamlani754]

Salary LinkedIn pe nai Fix Your FInance ke episodes se dekhta hun.

[@Dharmikshah2010]

Anshuman is just focusing on his content and not helping in fixing anything. A person earning 30 Lacs pa can get atleast in hand 2.25 L pm post tax benefits. Either Anshumam doesn't know this or he is not willing to help people and just focus on his content and sponsorship

[@rohank2825]

Yes. One obvious thing here was that he should sold his old second house instead of taking personal loan for his sisters wedding. He still can close that loan.

[@Dharmikshah2010]

@@rohank2825 agree...that's messed up...Anshuman did not help in anything to this chap, instead his aim is to solely push Mutual funds and Insurance. Understand its important, but the basic fundamental issue and fixing needed was in saving tax and educate ppl in similar tax bracket to save tax first....The money saved can easily be reinvested and help him clear the loan..... What a disappointment....

[@shanthgaitonde]

Crap audio quality

[@guruh5433]

Why dont you consider interest paid on home loan while calculating ROI

[@ankushnikam8140]

In this case it becomes very difficult to take decision to buy home only.. I will suggest go for home when you are around 30.. it is best case

[@pratikmourya]

we are hearing a bzz throughout the video!

[@singhisking1986]

Ruko mujhe mic 🎤 promote kar lene do ... Apne finance fix kar lun aur tere baad me dekhunga

[@Nageshmokashe]

2:31 Marriage 20-25 lacs... Why... 😢

[@Gyaan_paapi]

Seriously bro, 25 lacs for marriage, damn 💀💀

[@Mrmaert]

looks like you are not yet married or parants managed entire cost

[@Nageshmokashe]

@@Mrmaert married in 2020. Financed 90% of the marriage expenses on my own.

[@raghavtandon2479]

25 - 30 lacs spending in marriage is a minimum these days

[@rasingh6893]

20-25 lakh to kam se kam hai... 40-50 lag jaega agar ladka well settled hai

[@Nobody-tr6pc]

We can now Double tap to like the comments 🙌

[@arjunps6776]

Personal loan, home loan, LIC.. classic Indian middle class financial planning.🤦🏽

[@soomjeetsahoo8710]

Anshuman sir, youve used DJI mostly. If I remember you never used Shure before on other podcasts 😅

[@anshumanfinance]

I have been using Shure MV7 since years for all the home shoots - kzbin.info/www/bejne/qXfYn4Swh9Z0j8Usi=RV6xLxECOEZd96wm

[@manjubhargava647]

Please add English subtitles

[@suneeshkachroo]

It seems like he has got property in illegal colonies as those are very cheap to buy but has very low appreciation. Obsession of Property and lavish wedding sucks the blood out of him .

[@vishal.choudhury]

Nobody should buy flat as investment, unless you have andha paisa and you have no idea where to park those money.

[@shashankmahajan95]

Sorry buss issi baar noise aayi 😅

[@Nageshmokashe]

10:14 7.5K on milk.... How is it possible... It's like consuming 4-5 litre daily..

[@sumithpmathew2358]

Its for formula milk

[@rasingh6893]

Bhai tu kaun si duniya se hai...kitne comment kiya hai confused se😂😂... Baby milk kabhi khareedna pata chalega

[@raufkazi1505]

But Anshuman didn't clarify how he got this much jump in his salary like from 12k in 2017 to 1.68 lakhs in 2024

[@nishraychand7211]

The guy thinking is this fix my finance or fix my mic???😂

[@pawan.agrawal]

He didn’t fixed his finances only promotions

[@souravmahato6091]

I watching your episodes I learn that personal finance is how much important many well educated and we'll earning people fucked up in debt trap it's really important as much as possible when you have dont that much burden create emergency funds skill up your self no debt even need make proper decision for I really need debt don't buy thing unnecessary things in emi ....

[@ma-ck6sc]

first comment.. always interested to watch this series

[@SumitKumar2601]

promotion pitch was so cring. he was confused what happened lol!

[@nikhiljain3917]

Selling property on loss is not super straightforward, requires a few legal steps and has tax implications.

[@sridharkumbhala3998]

By paying the loans he is owning the assets

[@chetanpen]

Jab Tak free nahi mil gaye, bhai ne achhe mic use nahi kiye.

[@robinbhandari1401]

Bro I think person making 50 thousand per month no loan is living better than you

[@VikasSharmaaa]

7 years me 5500 ki SIP isko 15-20 lakh tak de deta

[@SAHIL12376]

"Sorry to be harsh : where is equality BC , husband earning wife enjoying "😢

[@Highachiever19]

U are correct..being a women I agree

[@stevedinesh887]

Tats India 😅

[@arundhanavath6294]

u have to think she takes care of the home although he is earning around 30L still no maid now a days even a person earning 50k also have a maid taking care of the kid cooking and everything she is easily contributing not less than 30k-40k ....

[@SaintofPower-ft3ur]

Bullshit, she just giiveesss semx and enjoys​@@arundhanavath6294

[@rasingh6893]

Who told you equality exists in real life😅😅.. It only exists on paper.. And sometimes not even on paper like Indian laws

[@Itsokay12349]

People who have their own house by birth are very lucky

[@KRISHNAKUMAR-pg6hl]

Something is wrong in this episode.. having a home is definitely a positive. Worst case, you have a roof over family

[@CassyZee]

Agree. You can get home with bank's money. You can only invest with own money.

[@Nageshmokashe]

It's on home loan, worst case, bank will take it back !!!!

[@gnes04]

He seems very stressed and worn down by life. He's just stuck in a corner with no options, if he loses the job he's screwed. I really think they should not have spent that much on the marriage.

[@Highachiever19]

If his wife also start earning atleast 50k bechare ko tasalli hogi thodi..

[@naveenavadhani]

What did he fix here nothing ?

[@prabhakar3725]

Bahut din ke baad call karne ka try kiye , pata nahi jab call kar te hain to lagta hain kuch galat kar rahe hain . pata nahi chalta hain ki kya bole , beech me hi atak jate hain . Achha hain tumne call me message leave ka option rakha hain , kabhi kabhi bahut awkward lagta hain.pata nahi kyun?

[@architbhargava8035]

There is an audio problem. There us some white noise in the background

[@NITISHBHATT008]

Fixing kahan hai bhai ?

[@quadxtech7263]

Ghatiya audio hai. Noise is there in mic.

[@rohanrocker]

He is 32 ? What the duck... 😢😢😢

[@abhisen3801]

I understand the point of mathematically not supporting LIC investments, but if you look at an outside case, don't you think its a really secured form of insurance/investment? just keeping 7k per month doesn't hurt, but the money saved definitely helps you feel secured for your child.

[@arijitsadhu0624]

I agree with this … maturity amount of LIC could be used for Child’s Education.

[@CassyZee]

@@arijitsadhu0624 child will be 30+ years old.

[@abhisen3801]

@@arijitsadhu0624 if someone's starts an lic plan at 25 years for just a 25 year long plan, so exactly by the time your child will be looking for higher education, you will have a good amount to begin with, even if you don't need that instantly, put a big chunk of it stocks, and you will definitely have huge returns by the time the child starts college or you can still have an option to make your child pursue masters maybe even in foreign countries.

[@Nageshmokashe]

Using LIC as an investment vehicle will never beat inflation.

[@PriyankaBanerjeee]

@@anikethdeshpande8336 Err LIC agents get high % commission for selling the insurance as well.

[@amanrajput_12]

Term insurance is very unreliable it is very easy to say ki 15-16k m 1cr ka term insurance is better than LIC but not for everyone there are many such cases in which insurance companies gives useless excuses to not give money to the family i am not saying that they are no such cases in LIC, but its still reliable than private insurance companies .

[@sarathchandrarepaka9595]

Audio quality is pathetic

[@iamrohitbarik]

I hope LIC agents are also watching...

[@AkashAnuragi]

12:47 1crore ban to jayega but 35 saal me nhi bas 28 saal me bas 28 saal bas 28 saal 😂 inflation ko adjust karke 27.5 lakh ka intrest milega 18.5lakh ki investment me 😢😢

[@nakul88]

Nice work

[@souravgosain6344]

Yes there is something wrong with the episode.From 2020 to 2024 everywhere prices of real estate has increased.

[@anshumanfinance]

Real estate is not a homogenous market. Every locality has a different trajectory

[@hemantsharma5756]

Abhi kaha rehtey ho, May be I can buy

[@Funny7videos2]

At 3:15 the person shocked 😨😅😂😂😂😂😂

[@animetv1552]

Poor mic quality, there is constant noise.

[@prithwishdey3947]

How the hell does groceries come to be 30k even with a baby?

[@mytravelogue404]

He may be purchasing from malls

[@adityamodi8922]

Its very normal. People grossly underestimate grocery expense.plus he said it includes eating out also.

[@abhayrohit]

bhaiya hata ye mic kan suj gaye ringing se 😂😂

[@mukulmandal2416]

Still he doesn't know how to manage his finances.. He should consult an advisor.. Because his mindset is not correct..

[@Anshuman_sharma767]

Kya banda hai ye? Itni salary ke baad bhi Delhi ki one of the worst location me rehta hai. Or itna confused hai... Isko pehle to ek advisor chahiye

[@VikasSharmaaa]

6.9 lakh me kaunsa ghar mil jata hau

[@Basic_Tech_]

25 se 12k??? 07:18

[@dhawaljain3837]

abey guest ko kyu ad me dal rahe hi kuch bhi uska kya lena dena khud bolo na sir

[@chiranjeev4804]

This Finfluencer literally influenced this guy to sell his homes.. Stop his LIC.. And invest everything in Nifty 50 and SIPs. 😂 What pattern I have seen in Finfluencers is dat, na aap ghar mein invest Karo, na LIC lo, na FD Karo. Sirf SIPs and stocks mein paise daalo, rent pe raho, jyada risk lo! And this is how u become financially free! I don't agree to all this.. Yeh video mein he says 35 age ke baad loan lo.. Yaha IT mein logon ka mid 40s mein retirement ho raha hain.. 30s mein logon ko mid life crisis ho raha hain.. And they advice ki aap zindagi ko daav pe laga ke.. 35 saal tak corporate ghulami Karo aur sirf rent pe raho. Aaj Kal 24 saal ke ladke bhi 50,000 salary kama rahe hain.. 40 tak toh unka loan khatam ho jayega agar woh 20s mein loan le.. But then yeh theory Finfluencers ko achi nhi Lagti.. Kyun ki agar young ladka EMI bharega 20s mein toh inke sponsored videos ke partners like grow, zerodha,m stocks, etc.. Mein paisa kaun dalega? Be wise guys and don't follow these Finfluencers blindly!

[@Gyaan_paapi]

I am not agreeing with some of your points too, so 20s ka ladka fat loan leke 40s Tak EMI dega, fir IT me after 40s job nehi rahega tab bina koi fund ke retire karega? What logic?? Emi will be so much that he/she can hardly put any money towards investment, and According to you nifty 50 me nehi lagaye? Toh jo bhi thoda bohut saving karega woh bhi inflation beat na kare, matlab 40s ke baad road pe baith jao, home rahega sirf asset ke naam pe

[@chiranjeev4804]

@@Gyaan_paapi 40s tak ghar rahega toh road pe kyun baithega. He will also have accumulated corpus by way of EPF Contribution. 40s ke baad he is free to do consulting.. He can then start putting money in SIPs and stock. Inflation beat savings nhi Karega.. Ghar ka value to appreciate karega na. SIPs karke koi 13% ka return guaranteed hain kya? Kaha likha hain? Past trends in market can't predict future of your portfolio.

[@chiranjeev4804]

@@Gyaan_paapi and one more thing I would like to add.. 24 se leke mid 40s tak he can switch jobs.. Increase his salary.. Pay EMIs fast. Jyada responsibility nhi hoti as bachelors or when u have just started a family. 45 ke baad jab job ka bharosa nhi, health ka bharosa nhi.. Tab aap Bada loan leke baitoge along wid responsibility of family and kids. Isliye toh burnout ho raha hain IT employees ka especially.! Totally wrong way of thinking.. Ki ghar mat lo 40s tak rent pe raho aur equities jaise risky asset class mein paisa daalo jismein I again repeat 13% is never guaranteed. No financial expert or Finfluencers can guarantee returns. They just predict!

[@Gyaan_paapi]

@@chiranjeev4804 so 40s ke baad fir investment chalu kare? According to you nifty 50 is the riskiest investment, so he will invest in the riskiest instrument at 40s? It is risky in short term , not in long term, that is point, if you can't trust nifty 50 that too in long term like 10yrs+ , then I am sorry friend, I don't know what to say. Road me maat niklo risk hai, accident ho jayega

[@Gyaan_paapi]

@@chiranjeev4804 ghar ka value increase hone se kya faida? That is not an investment if you are living in it, if you are consuming it then it is a service not asset. Even if it appreciates and becomes double, bech denge usko? Toh rehega kahape? 40s me rent me rahega fir? I m not saying ki after 35 loan lo, what i am saying is you should have a decent amount of investment towards retirement before taking that huge burden.

[@staypositive480]

Probably the worst audio I have seen in your videos, so probably not a good mic tbh.

[@mkk94]

Dont look at someones salry.. Becz loans are higher than assets😂😂

[@last_minute_film]

Anshuman bhai - aisa kyun lag rha hai ki aap isse kidnap karke uska finance fix kar rhe ho. Kitne depressed lag rha hai

[@JJ-ev5mp]

ye kon log hai ji shadi mai 20 lakh udate hai ? hamare yaha mumbai mai to 5lakh mai sab ho jata hai

[@kshitijmathur944]

Both are sweating in delhi

[@robinbhandari1401]

7500 milk 5 lite everyday

[@rasingh6893]

Formula milk

[@karanjotsinghminhas830]

❤

[@skmillionaire333]

He looks 40+ in 32 😢😂😂😂

[@montybagga]

Stress..due to debts🤷🏻

[@skmillionaire333]

@@montybagga i have same stress bro of debts even I started gaining weight looking more than my age but years back slowly i started clearing my loans emi etc and focussed on my health now it feels better and even I look better , still 20 kgs more to reduce by year end probably and still 5 lakh debt to pay off in next 2yrs

[@montybagga]

@@skmillionaire333 great job, keep hustling. Take care of finances, family and health. More power to you 🙌🏻

[@skmillionaire333]

@@montybagga ty bro 🙌

[@Praveen-Traveller-l4v]

I have an LIC plan (936) where I invest 30K per quarter. I've been investing for the past 5 years. After watching your videos and attending the retirement (FIRE) session, I'm considering stopping my investment. How can I stop it, and will I regain all the money I've invested?@Anshuman Sharma

[@ketanahuja8939]

You can surrender and get 70-80% back as surrender value. Talk to your lic agent and stop it

[@bipradip4770]

Don't fall into their trap.

[@bipradip4770]

Lic is much more secured.

[@MuhmmadImranMuhmmadImran-e3h]

17-6-24 Eid #391+245=636 Wnt900aftr75dys&Sty in v First Bakra Eid without F.J