How Much Money Do You REALLY Need?

[@Zero1byZerodha]

At 6:54 - The amount is Rs 24L & Rs. 45.5L. The numbers shown in the graphic are not matching with the statement. This was a miss from our end. Happy learning! 🙌

[@DonaldMark-ne7se]

Am 58 retiring next year but the thought of retirement gives me weakness. My apologies to everyone who have retired and filing social security during this time after putting in all those years of work just to lose everything to a problem you never imagined to happen. It’s so difficult for people who are retired and have no savings or loved ones to fall back on.

[@kevinmarten]

True, It has never been easier to understand how to build your money after retirement than it is right now with the inflation, when you may study and experience a completely variegated market passively by employing a successful portfolio-advisor. The impacts of the U.S. dollar's gain or fall on investments, in my opinion, are complex.

[@Jamessmith-12]

Having an investment adviser is the best way to go about the stock market right now, especially for near retirees, I've been in touch with a coach for awhile now mostly and I made over $800K within a short time

[@JacquelinePerrira]

Please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with them?

[@Jamessmith-12]

'Carol Vivian Constable, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.

[@JacquelinePerrira]

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

[@ranjanmallick962]

Focus on earning more and then only it is possible

[@ramyasri6093]

Well said

[@unknowns221]

yes it is my aim to earn more in my bachelor period and try verity lines to see where I my interest lies so that that work will be easily added in my hobbies...

[@subhankarbanerjee3022]

Exactly bro

[@parthodave123]

Exactly bro.

[@PluetoeInc.]

don't save ! Earn more ✅ this is what real man does

[@rajeevnayanm]

Most legitimate channel for financials tips and solutions.

[@rajatraut1952]

I absolutely love your channel because you always share practical insights about life and personal finance. You make things easy to understand and I always feel like I'm learning something new whenever I watch your videos! ❤

[@Zero1byZerodha]

Thanks a ton! Let us know what else would you like us to cover!

[@siddharthjain6629]

This video is fire. You guys are doing a great job. Keep it up 😄😄😄

[@Zero1byZerodha]

Thankyou! Your comment made us melt :)

[@AbhishekSharma-yw8vv]

This channel will grow massively, this stuff is amazing

[@ayushdebbarma7585]

First of all, incredible spripting and editing, hats off to the team, Im glad to find this at 17 but people like me have difficulty starting like investing and opening an SIP. Could you guys make a video covering the basics?

[@Zero1byZerodha]

Thanks for your love 🙌 We'll cover more basics in our upcoming videos!

[@MridulSharma21]

Focus on learning new and emerging skills which will pay good money in the future. The key is self improvement and always keen to learn something new.

[@Zero1byZerodha]

Agreed! Self improvement is key!

[@venky1973]

I am a regular watcher of your videos

[@ayushchiddarwar8559]

Ps - No Ankur Warikoo was harmed/injured during shooting of this video

[@harikrrishnanb]

and No Srivastava as well..😂😂

[@shilpisoni4093]

😂😂😂😂

[@darthpotato14]

🤣🤣🤣

[@a_a_r_c_h_a]

😂😂

[@Bulldozz1-1]

The craze to get rich quick is fuelled by a desire to retire early. I don’t know how this caught on but it pushes people to cut corners. I don’t understand the aversion to continue working until retirement!

[@megjenb]

Stressful jobs and toxic bosses, office politics etc.

[@ppsaha1994]

I don't understand the aversion to NOT WORKING. How many people do you think actually like their job? The vast majority in the world doesn't.

[@aayushishukla3309]

The way you guys explain is truly remarkable keep Rocking ✨

[@Zero1byZerodha]

Thank you so much 😀

[@srihari_views]

So good to see that you turned my comment to a video. (I asked for a video on FIRE and you did it!) My thoughts: I would also prefer FI but with the current dynamics, especially in IT sector, you never know when you are out of job. Further, if you are above 40, you become a high risk candidate. So its always better to grow your kitty if not FAT FIRE!

[@Zero1byZerodha]

100% thank you for your suggestion Srihari! I’m glad you found this useful :₹

[@paragsancheti8359]

​@@Zero1byZerodha... hamari mange puri karo , video editor ki salary badao 😂😂😂, superb editing

[@gameglimpses8861]

Plan: get a government job and actually save and invest. Work till 60, enjoy your life till then and retire with a huge wealth

[@koustavchakrabartty8515]

The salary of most Government jobs can help you to cover the expenses of family like EMI, Home Loan, Kids Education fees, Car Laon, etc however you will not be able to make wealth from it until you are committed to malpractice and corruption. And it's really a disgrace that even in 2024 young people are aiming to create wealth by bribe & not by salary, bonuses or ESOPs.

[@meanoz9243]

Wishing you good luck for your job preparation. I got employed under West Bengal Government 2 years ago now I am 25. While in government job you need not to worry about any type of insurance or after retirement plans.

[@kunalchoudhary3457]

Only 1% people can get government jobs.

[@ajaydora794]

i am working in a government office in odisha, i want to retire from my job, though the work is ok for the money i get, but I don't like the work culture. I wish i had 3crs then i would have retired right now.

[@uloveme247]

In love with this channel.

[@basics10001]

You guys are doing great job with beautiful examples 🎉🎉🎉

[@4335sanjay]

Personal finance is different for everyone well said but I'm still in a dilemma 😅.. Thank you zero1 team

[@Zero1byZerodha]

Don't worry, video by video we'll try to make it easier for all of you :)

[@Zero1byZerodha]

Do you believe in the concept of FIRE?

[@MayurCreativeStudio]

50 - 50 Only.

[@bladesmith422]

@@MayurCreativeStudio #BoycottZerodha

[@APrashanth]

Personally, I believe in the FI part of it. Having that peace of mind in a very unpredictable job market is what I'm aiming for. I like my work and would like to continue as much as possible but I would like for it to be for my enjoyment and not necessity.

[@bladesmith422]

#BoycottZerodha

[@gopiwork4370]

Calculator link missing it seems

[@nikhilladna526]

Keep up the honesty.😄

[@gnes04]

11:50 a 15% CAGR is very realistic over long term imo. Just look at the small and mid cap mutual funds. They have given over 30% CAGR

[@udayjordan3454]

This guys are good. Why did KZbin take so kuch time to suggest these videos

[@raj1838]

Channel is gonna blow up

[@Zero1byZerodha]

:)

[@velumaniprakash1819]

Started loving abilesh for his innocence.. good work guys..

[@Zero1byZerodha]

Abhishek says thankyouu! :)

[@shivajikakad5098]

Very informative video, thanks sir. Keep it up ❤

[@dramitshakya3626]

At the end, there will be more investment in step up sip than in the regular sip....... difference between investment amount and total amount is less in step up sip than in regular sip.

[@MINTU361]

You both guys are fire of finance

[@Zero1byZerodha]

Wah wah 😬

[@a.j.l.____8165]

These guys are amazing😍♥

[@vnc59]

The problem I felt is step up. Consider starting sip as 10000. Annual step up as 10%. In 10 years sip becomes 26000 and in 15 years 42000. This may not be sustainable for an average Indian. So I would suggest people to study the salary market and incorporate the growth in salaries in their industry as well in step up. Again this is something I felt and I might be wrong.

[@Zero1byZerodha]

Hey! Your point is totally valid. We've used the calculations to explain the concept & its impact, but realistically it might not be possible to invest this way every time. The idea is to understand the power of compounding & take things at your own pace Hope this helps!

[@nikhilgadge7196]

Please make a video on how to invest in index fund because a lot of people want to but not sure from where to start.

[@Zero1byZerodha]

Noted. We'll pass it on to our team

[@dipayanmukhopadhyay3256]

Have become a fan of you guys. You are doing a Great job.

[@Zero1byZerodha]

Thank you so much 😀

[@sayanbiswas_sports]

Really a much needed video. And obviously I will do FI.

[@Zero1byZerodha]

Share it with a friend who will keep you accountable!

[@sarthaksharma3168]

Thanks for the heart in the previous video.

[@Zero1byZerodha]

We read all your comments, keep em coming :)

[@Manaswats]

Wonderful video team! Can you cover pension schemes and plans in India? Thanks!

[@Zero1byZerodha]

Hey! Glad you liked it! We will surely forward your suggestion to our content team. Cheers!

[@chaitanyasundar]

@Zero1 Thanks guys you are doing a great job with this series i have been following all the videos of the series, its a great initiative which is taken up by Zerodha to make young generation realize and learn facts. Not just the younger generation but people in their late 30's and early 40's can learn a great deal of knowledge and relate to the mistakes they did when they are young. Really looking forward for more videos in the series. Thanks again and really appreciate the efforts put forth..

[@Zero1byZerodha]

Thankyou for acknowledging our efforts :) We will continue to bring you more good stuff so stay tuned!

[@devennandapurkar7786]

really fun to watch

[@udayjordan3454]

I have subscribed to the channel. I hope I've giving you a boost, a step further into FI(financial independence)😅

[@karandua6564]

Hi Team! Awesome work! I've got a video idea - let's break down how compounding works in Equity mutual funds. It can be confusing when influencers talk about it, and opinions differ because some think compounding only happens with fixed interest. What do you think of this idea for an upcoming video?

[@Zero1byZerodha]

Great suggestion! Will pass it on to our content team

[@virendxr]

5:35 what about the inflation? Its not that we will have that amazing buying power for our whole retirement right? Even after compounding etc. On top of inflation we also need to keep track of the 10% tax on LTCG !!

[@speedster4459]

Invest in yourself. By this, I mean investment in one's self health and skills. Then, start living life and saving. Then, use that saving for investment. Don't sacrifice your life by living frugally to generate more income in future.

[@Zero1byZerodha]

You are the best investment you’ll ever make.

[@sandyv4623]

bc i am 40 and no fucking such video was available to educate me back then.

[@kushalyadav4787]

The calculator link isn't working

[@aurkom]

This video is FIRE!

[@Zero1byZerodha]

The love you guys give us is FIRE!

[@avishekm1985]

Minimalism is different from deprivation. According to me Minimalism is not buying stuff, you dont need. Deprivation is depriving of something you need. Like a minimalist will go for a vacation, which enriches your life, experience etc. but a person on deprivation will not. This is personally my opinion. Thanks

[@sagarsuragihalli1120]

Aag laga di FIRE ne

[@hiteshsolanki282]

00:03 Retiring early for a fulfilling life 01:47 Achieving financial independence and early retirement is a trending concept. 03:24 Retiring early is achievable with proper planning and starting small investments 05:00 Utilize retirement tracker for early retirement planning 06:40 Investment step-up can greatly increase your savings 08:17 Liking your job is essential for financial success 09:54 Early retirement strategies include investing, saving, and minimalism. 11:30 Internet may give false hopes about quick money, be cautious. Crafted by Merlin AI.

[@karmeshsharma2064]

Can you also make video on retail investment in corporate bonds buying via NCD ipo and secondary market and their nitty gitties. I invest in them and find them fantastic but very few retail investors are aware of their risks and rewards.

[@Zero1byZerodha]

Interesting! We'll send this to our content team!

[@rozerksh1532]

i love this series....so can i start SIP as a late teenager(bout to end teenage stage)..i dont have any source of income but i think i can with some allowance....need some guidance..thank you..

[@Atharvsrivast]

real gem

[@parthasarathyvenkatadri]

can you also include a WTP option in the spreadsheet

[@Kush.46]

Hi, Do you'll suggest getting an Accidental rider along with a life insurance? If yes then it should be equivalent to what percentage of my sum assured?

[@Zero1byZerodha]

Unfortunately can’t help you here, maybe you’d rather speak to your advisor who can answer with context to your life, goals, income etc.. :) Thank you

[@nithinkumar9232]

Yes I do

[@NITISHBHATT008]

FI and RE are 2 different things. One can be Fi and still working as per his liking.

[@Rajeshsinghkumar]

Great videos, very nice

[@VSR03]

Why no.of ETFs are less? and that too debt ETFs are very less in number?

[@KIRANKUMAR-ch5jc]

Best part is Internet lies n true way to happiness is lower expectations 🔥

[@Zero1byZerodha]

Words of wisdom indeed

[@jaymoradiya2132]

No finance with sharan harm in video

[@MeetBarot]

Can I use this video and make a short video and posting in Instagram and KZbin for others learning and also my Earnings 🎉😊

[@nishitpatel5357]

Honestly skydiving, scuba diving or sitting on the beach for 30 years would be pretty boring no?

[@vivekjoshi3769]

Hey! Could someone tell me which software used in this video to create those animations that pop up on screen?

[@Zero1byZerodha]

10 years of hard work and some after effects + photoshop.

[@vivekjoshi3769]

@@Zero1byZerodha Thanks a bunch for responding. Pretty amazing!! 😀

[@saji2609]

Ambani didn't retire from his role.. He can live more than 7 janam with those money.. But he still has that FIRE to earn and grow more.. So agree genz is in la la land.

[@HoshiarMVP]

calculator link please

[@Zero1byZerodha]

Here you go: bit.ly/retirement-tracker

[@keshabmittal7261]

They always rock

[@Zero1byZerodha]

Thankyou!

[@sandiy007]

3:54 Indirectly, you're paying a very low salary to your employees

[@rahulr9539]

could be because of their high expense lifestyle

[@gopiwork4370]

Calculator link missing it seems

[@Zero1byZerodha]

Here you go: bit.ly/retirement-tracker

[@gopiwork4370]

@@Zero1byZerodha 👍

[@shubamsharma3341]

Sir govt job h yeh 9% increment not possible

[@chauhannishith]

6:58 The tables have all wrong values. They are in millions and not lakhs. 5 year sip is not going to give 7 or 8 million in any way

[@balramsinghsolanki2919]

what a content....

[@prasantkumardash5039]

Dude, if you don’t buy things then how the companies share will go up and your sip value as well. Everybody keep on saying minimise the expenses and start with SIP. Increase income rather. Savings make sense in bank as it’s not directly impacted by consumption rate but sip and stocks are very relative.

[@manadaily]

I got cold by watching FIRE video

[@parthasarathyvenkatadri]

Lol he just hijacked the let me tell you 😂

[@bhaskarmirjankarfoodtest8418]

Iam understanding a English but hindi me suneme majaatahai make a video in hindi language

[@sujaydhulekar]

Where is the link for this calculator? I don't find it

[@Zero1byZerodha]

Here you go: bit.ly/retirement-tracker

[@silent7152]

Video production quality is to notch

[@Zero1byZerodha]

Thank you :)

[@narendragillalu5760]

Why people want to retire early?

[@narasimhamare7504]

Calculator link is missing?

[@Zero1byZerodha]

Here you go: bit.ly/retirement-tracker

[@narasimhamare7504]

@@Zero1byZerodha Thanks 👍

[@Prakash-gj1gv]

@@Zero1byZerodha looks like the link has expired can you please check. Not able to open the URL

[@karthikprabhu]

I think this is over simplified and not very nuanced in discussion. They should stick to more stock market topics which they do well.

[@Zero1byZerodha]

Hey! Let us know what can we do better here! :)

[@tobinmohan8958]

👍

[@umeshkumar-nv7ee]

Salary increment of 9-10% is honestly a joke

[@Bhanushalihiren_official]

Plz reduce the bassss it's just irritating!!!😅

[@johnnyfrank8450]

Why would you put a smiley face after saying that something is irritating.

[@tagore161]

Retiring at 40 is not feasible. 50 is a more realistic figure.

[@msdadsfsx]

If u have 100 crores at 40 it's possible i think

[@naveenrawat4903]

​@@msdadsfsxPeoples are at their peak in their 40-50's. Only fools will take retirement at that age. Wise people will think of physical and mental health and enjoy saved wealth in the 60's. Also if somebody has 100 crores he'll not be thinking of retirement in his life.

[@msdadsfsx]

@@naveenrawat4903 fools reach peak in 40s n 50, intelligent people reach peak in 30s

[@woodsofchaos]

3:30 holy crap, pay your employees ffs

[@Luckyily]

Look at the video around 6:54 and the guy has 2crore 38 lakhs shown on the screen and says 24 lakhs. And I'm expected to trust these guys with financial advice😮😢😂

[@Luckyily]

Similarly with 4.5 crore+ he reads it as 45 lakhs... What a joke

[@Luckyily]

The mistake was probably because they used comma separators of the Indian system for the numbers to the left and top but continue with the international system for the return amounts of 5, 10 and 15 years.

[@sudhirkumar-dx6df]

बड़े भाई अगर आप ऐसे विडियो हिन्दी मे बना लो तो क्या जायेगा,हम हिंदी भाषी लोगों को भी फायदा होगा , हिंदी तो अपने देश की ही भाषा है। हमे अपनी भाषा पर गर्व होना चाहिए।

[@hindiisonlyalanguagenotkno913]

KZbin ke India ke side pe majority videos Hindi ya Hinglish main hai. Jo nahin hain, voh videos jyaada tak hai Telugu, Tamil, Malayalam etc. jaise bhashaao main. Jo minority English videos hain, un par aake kyun Hindi, Hindi karthe ho? Kabhi Tamil, Telugu, Bhojpuri vaale videos pe bhi jaake likhon na "kyun Hindi main nahin bana rahe ho". Aur mereko problem bhi nahin hai ki content Hindi main bhi chahiye. Lekin udhar rukte nahin hai phir aapke group ke bohot saare log. Hindi main content banane se bhi, English content exist kartha hai karke chid ho jaata hai.

[@avi130avi130]

👍🏻

[@prashantmukhi2984]

Yeh baatein sirf paper main possible hai 😂😂

[@prashantmukhi2984]

Jab tak koi kaam ko acche se na karo tab tak

[@sanoopkunnamangalathu7464]

Dear you are wrong... you can expect 12 to 15% even in an average active fund.. but still expect the least so you won't be disappointed..

[@sanketshah9104]

❤

[@info-tech2017]

Make in हिन्दी

[@hindiisonlyalanguagenotkno913]

No. Make in Hindi ALSO. That does not mean Indian people should stop making content in English.

[@AP-ko3xy]

neither AR rehman nor Shahrukh khan are best in music or acting in the world.. wrong example

[@Zero1byZerodha]

Fair :)

[@Sahilkharb01]

Crores ko Lakh bol rhe h…

[@abhishekvanenooru2869]

i cant even retire at 80

[@tejaswiprasad343]

Retirement at 40 is a joke and a recent trend. People reach peak at 40, can be valuable to making company more profitable and personally grow more. Right term should be financially independent, out of debt and saving most part of the salary. Lazy people retire at 40!

[@sha.shankz]

Yolo

[@dis8924]

Ice🤣

[@blah123kkllll6]

imagine asking ur employees why u cant FIRE 😂 because they dont pay enough?

[@VIJAY_GAIKWAD]

Hindi me video banaya kre sir

[@goolqui]

Bihari spotted 😅😅

[@sougata8332]

Bhai pehle kafi hindi content hua karta tha. Fir sare south wale ne unsubscribe ki dhamki deke english me karwaya hai. Apna jhund badao fir hindi mein bhi ho jayega shayad content

[@msdadsfsx]

Hindi speaking people have to work till death.. you can't retire early

[@hindiisonlyalanguagenotkno913]

KZbin ke India ke side pe majority videos Hindi ya Hinglish main hai. Jo nahin hain, voh videos jyaada tak hai Telugu, Tamil, Malayalam etc. jaise bhashaao main. Jo minority English videos hain, un par aake kyun Hindi, Hindi karthe ho? Kabhi Tamil, Telugu, Bhojpuri vaale videos pe bhi jaake likho na "kyun Hindi main nahin bana rahe ho". Aur Hindi content "hua kartha tha"? Kya baat kar rahe ho. Abhi bhi majority content Hindi/Hinglish main hi hai.

[@hindiisonlyalanguagenotkno913]

Aur as far as "dhamki" dena. Aap logo ke abaadiyan jab majority main rehte hai, jo English baath karthe hai unlog ke saath kitna beijjati, battameezi karte ho, aur dhamki deke une English nahin baat karne dete ho vo bhi pata hai. Chattisgarh, Odisha, Bihar, Jharkhand, UP, Haryana, West Bengal etc. ke vaale side ke log jo gaon se aathe hai south main bhi aathe hai colleges aur hostels main padhne keliye or rehne ke liye. Unlog ka behaviour kaisa hota hai ekdum accha se pata hain.

[@botany143]

Abhi army😂

[@VIJAY_GAIKWAD]

Pls hindi me video banado sir..... English nhi smz me ati vo log kya kare.....

[@jishraque]

You need to pay your employees more 😂😂.