How did he achieve Financial Freedom in just 10 Years?

  Рет қаралды 38,231

Per Annum Money

Per Annum Money

Күн бұрын

Пікірлер: 83
@bhavinsomani8118
@bhavinsomani8118 2 ай бұрын
Truly a Marwari... Sticking to reducing expenses. Making regular investments. Staying in limits till you have made it. Amazed and really happy to hear this journey.
@ananyasharda
@ananyasharda 3 ай бұрын
Key takeaways- to discuss savings with your trustable people and be content.
@sashadrack
@sashadrack Күн бұрын
He has excellent llent clarity and very practical.....
@mdisha835
@mdisha835 3 ай бұрын
Great interview, no fake,no fabricated discussion. Very genuine.
@thelifeboat3785
@thelifeboat3785 3 ай бұрын
He is one of the few where realistic numbers are quoted otherwise no one talks below 10-15cr…..and we have few genius influences who are now talking about 100cr, with salary income with 10 yrs realistic number is 3-5cr
@GrowLikeAProYT
@GrowLikeAProYT 3 ай бұрын
After reading every comments, I would say.. FI number depends on your lifestyle of the family. People earning 25K per month can save 10K but someone earning 50K may not save a penny. The lifestyle of the person is simple so ~4Cr. might be more than enough for them. Also they moved to their hometown so expanses will be even less. Also don't forget wife is still earning which will keep increasing the corpus. Also EPF will also be part after 60s. So understand first before telling the amount is too less and its not good enough. The only thing he has to consider is Health Insurance, if his family have that then I think he is good.
@natraj6120
@natraj6120 3 ай бұрын
His words demonstrate great maturity. He is a good mindset person. only thing i suggest is hav some job for fun and to keep yourself active
@Persimmonslove
@Persimmonslove 3 ай бұрын
17:11 WELL SAID AND THATS A TRUTH ( SHARING FROM MY OWN EXPERIENCE ) overall great interview nice gentleman 😊
@sajukumarc11
@sajukumarc11 Ай бұрын
Awesome content!!
@ankurmmec
@ankurmmec 3 ай бұрын
WELL SAID AND DONE ADITYA , 👍
@akshayjagtap9338
@akshayjagtap9338 Ай бұрын
Thanks for sharing It was very helpful to plan mine❤
@Bakarkhabar
@Bakarkhabar 2 ай бұрын
Finally a relatable FIRE journey
@nooruddinraotiwala353
@nooruddinraotiwala353 3 ай бұрын
bro won in life!!!
@roshanpednekar202
@roshanpednekar202 3 ай бұрын
7.2 lpa starting salary is not low , 2.7 lpa can still be considered low😂
@GanneshByalle
@GanneshByalle 3 ай бұрын
Bhai you should ask questions like from where his passive income coming from ? And how he selected MFs and if someone is retired means he has to get montly expenses from somewhere right then where is it coming from ?
@PerAnnummoney
@PerAnnummoney 3 ай бұрын
It comes from creating an SWP out of your existing corpus. Not because of passive income.
@manojmishra867
@manojmishra867 16 күн бұрын
Every individual has his FIRE Target. So lets not ridicule him. I appreciate he has the guts to quit a private job .
@Cutebabycoin
@Cutebabycoin 8 күн бұрын
My job is 16 hr per day. Jsw energy jharsuguda is sucking my whole energy.
@Cutebabycoin
@Cutebabycoin 8 күн бұрын
Control expenses, enjoy what u are doing for active income. Invest surplus in index fund and enjoy money
@richamaheshwari5081
@richamaheshwari5081 3 ай бұрын
Good insights on how to plan on start saving and investment, no matter where you start. Planning basis your expense and lifestyle is key.
@atulgupta9202
@atulgupta9202 3 ай бұрын
Honest talks
@stockmarketkapunchnama6164
@stockmarketkapunchnama6164 3 ай бұрын
how much is his monthly expense ? I am sure he is living in tier 2 city
@stockstrend9072
@stockstrend9072 3 ай бұрын
Tier doesn't matter...u living in tier 1 with pollution which may leads to bronchitis
@ralex1138
@ralex1138 23 күн бұрын
the corpus was built using both his and wife's income . Total family income should be discussed otherwise Not adding up
@cadarsh80
@cadarsh80 3 ай бұрын
I wish both husband and wife on the podcast could be better.
@narendrarawat4937
@narendrarawat4937 3 ай бұрын
This video is bullshit. Not detailed enough to know how he grew his money.
@PerAnnummoney
@PerAnnummoney 3 ай бұрын
The video clearly mentions Aditya's savings rate which is 50% and he has shared his portfolio allocation as well. On his portfolio he has has earned a historical XIRR of 20-21% and wife's portfolio has had the XIRR of 25%. His money was managed by a mutual fund distributor.
@Family-un3rf
@Family-un3rf 3 ай бұрын
​@@PerAnnummoneyyou dont need to explain to people dont have "attention to detail" these people will look for other people's opinion.
@BestOfThePodcast
@BestOfThePodcast 3 ай бұрын
There is no way he could have got that corpous with that salary , i am non mba same year btech and make 3X of his last salary and i have stock and mutual funds for long still 1.5 cr as fire .
@PerAnnummoney
@PerAnnummoney 3 ай бұрын
The corpus also includes her wife's investments as well.
@muntazirimam2638
@muntazirimam2638 3 ай бұрын
One thing I don’t like about if a person can speak English they are showing a lot he can speak Hindi as well so the person who can’t speak English he can get your point as well
@trekkergal460
@trekkergal460 3 ай бұрын
Is this corpus enough is the real question?
@stockstrend9072
@stockstrend9072 3 ай бұрын
Enhance your skills 1cr enough
@vishalairy3293
@vishalairy3293 3 ай бұрын
Ye genuine lgra h
@templogical3095
@templogical3095 3 ай бұрын
2.5 cr is not at all FI number
@PerAnnummoney
@PerAnnummoney 3 ай бұрын
Like he said he updated his FI number during COVID
@PravinAtigre
@PravinAtigre 3 ай бұрын
​@@PerAnnummoney Can you share his updated FI number?
@prasany
@prasany 3 ай бұрын
@@PravinAtigre Should be around 4.5 CR, he did not disclose, however, he seemed content with 60-70k monthly expense, given he adjusted his Fi number during covid, let's assume 120k monthly expense inclusive of vacation budgets, pegs FI number at about 4.7 CR at 33X
@gurpreetkakkar
@gurpreetkakkar 3 ай бұрын
Number tum jaise utube comment pe likho wo real life mein execute kr rha, 2 cr chod 20 lakh h account mein?
@deekshaseth459
@deekshaseth459 3 ай бұрын
​@@PerAnnummoney Why Lendbox/ per annum is not giving withdrawal option for flexi XTRA investors on MobiKwik? Is MobiKwik bipin preet Singh upasana taku fraud or ekmmeet singh is fraud?
@vikrampatil8373
@vikrampatil8373 3 ай бұрын
Bhai ye mera story he. Kam enjoy nahi kr rahabhun .
@rounak308
@rounak308 3 ай бұрын
3.5cr is not a good number...
@thebadengineer810
@thebadengineer810 3 ай бұрын
This is not at all FIRE Too many loopholes
@PerAnnummoney
@PerAnnummoney 3 ай бұрын
Please suggest the loopholes. It might be just wrong interpretation. We will try to clear it out.
@paramshah7383
@paramshah7383 3 ай бұрын
My guess on his corpus - 3.5cr
@Sujith_Pappan
@Sujith_Pappan 3 ай бұрын
Looks like he got huge dowry 😂..
@rahuldeovatsa
@rahuldeovatsa 3 ай бұрын
hahaha...sahii bola
@muntazirimam2638
@muntazirimam2638 3 ай бұрын
And bad thing is you didn’t even get dowry 🤣
@kumarmohit-m3k
@kumarmohit-m3k 3 ай бұрын
Aditya bhai orignal I'd se awo​@@muntazirimam2638
@sunmoon4520
@sunmoon4520 3 ай бұрын
Nopes it's possible with dink and mindset
@Ashwin-zx1nj
@Ashwin-zx1nj 3 ай бұрын
He is sitting and blabbering all this stupid stuff at the age of 35 just because his wife is working and having active income. Kudos to her. 3.5 crores is not at all a good number at the age of 35-36 considering the inflation and other unexpected expenses that may come in future. Also 3.5 cr is not a great number that he should be in the video as itna to kisi 600 sq ft wale kirane wale uncle ka 1 saal ka turnover ho jata hai . This podcast people have started misleading others by bringing such people onboard and misleading the concept of fire to millenials.
@PerAnnummoney
@PerAnnummoney 3 ай бұрын
People have achieved FIRE even with 2 Cr. FIRE is subjective.
@pallathgeorge
@pallathgeorge 3 ай бұрын
@@PerAnnummoneyso true.
@awesomekj5812
@awesomekj5812 3 ай бұрын
3.6 crore kirane wala ka turnover ...bhai tere account mein kitne hai ?
@sohilparikh32
@sohilparikh32 3 ай бұрын
kaha se itna negativity laate ho bhai. Koi baat nahi kirane wale ko bhi bula lenge. Aur 3 cr ka turnover hona aur networth hona alag alag baatein hai.
@Ashwin-zx1nj
@Ashwin-zx1nj 3 ай бұрын
@@sohilparikh32 baat negativity ka nahi hai bro...this kind of podcast misleads thousands of people without even considering the lifestyle inflation numbers. Even if he compounds his corpus by 12 %yoy , in the next 20 -25 years, assuming he would buy home, kids education etc., it won't be sustainable . he is his 30s now. 4% rule ne already logo ko mislead karke rakha hai .
@MysterDheeru
@MysterDheeru 3 ай бұрын
Inflation will make him run back to work again.
@PerAnnummoney
@PerAnnummoney 3 ай бұрын
Not if you ensure your investment corpus keeps growing at an inflation beating growth rate.
@pankajbisht2587
@pankajbisht2587 3 ай бұрын
Tough thing at age of 35. 3 Cr hain aur Arram kar raha hoon . Dukan wala 80 saal ke Lala fit hain kyonki galle main daily hisab kitab yaad rakhte hain . People sitting idle at home with FIRE concept. Surprising. FIRE 50 main samaj atta hain as person may become redundant but 35 seems too early.
@awesomekj5812
@awesomekj5812 3 ай бұрын
FIRING at 35 does not mean sitting at home idle ...I am sure in few years or months , he will start something on his own time.
@beingsimple5533
@beingsimple5533 3 ай бұрын
There are other aspects of life, we didnt get human birth to earn money and work, on can pursue his/her passion, one can give time to their spiritual journey
@shoryabeohar1816
@shoryabeohar1816 3 ай бұрын
Fire at 35 , means now you can work as per your time, you have got all your time, as per your wish you can work , which is most imp
@abhiyou0tube
@abhiyou0tube 20 күн бұрын
Today's truth of life is mental health, which everyone ignores, especially mental health of children as they are exposed to whole lot of things through phones, social media etc. Its good for one parent to retire early and be with the kids for their emotional and mental wellbeing. Your point that 35 is too early is also right, but since his wife is working he is taking care of his child, so that is ok.
@Abhishekchaudhary23
@Abhishekchaudhary23 3 ай бұрын
Dahej khaya h bhaiya ne pkka😂
@venugopal7391
@venugopal7391 3 ай бұрын
Video is filled with wrong information...
@PerAnnummoney
@PerAnnummoney 3 ай бұрын
Please elaborate
@hamzajafri7764
@hamzajafri7764 3 ай бұрын
Bakwas
@logicsandtrolls3616
@logicsandtrolls3616 3 ай бұрын
ye bhai thora pet kam kar le to better hai. warna kahin sugar aur heart problem ho gaye to 2.5 ho ya 3.5.kuch na hona lol
@Jyyo
@Jyyo 3 ай бұрын
Rajasthani hai bhai, this is normal 😊
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