@financewithsharan

“Buying a house in India is probably the worst investment decision that you can make if you are buying it in a metro city. The house prices have already peaked to such a high level that there is no room for growth. One should first accumulate liquid capital, i.e
make enough money so that your other basic necessities of life like retirement planning,
vacations, kid's education is covered first. And then once you've made significant money in your mid-forties, then buy a house.”
From getting rejected by IIM to finding himself on their stage as a guest speaker just 3 years later, Sharan has had quite a journey! The founder of the ‘1% club,’ Sharan Hegde has changed the narrative on Finance and content creation in the last few years by making financial literacy ‘fun’ and educational. While people assume that learning about finance might be a complex process, he aims to uncover financial education that is not covered by traditional schooling.
Striving to make financial literacy accessible, Sharan’s startup is currently 50 employees strong where he helps his audience get into that “1%” of population by playing their cards (cash) right!
Get ready to learn more about Sharan Hegde as he adds Fun in Finance. Who knows? Your next investment strategy might just be hidden in this episode! Tune in via the link in bio, now!
We talked about:
. The money mindset in Indian families
. His journey of becoming a content creator
. Financial Tips for Gen Z
. Taxes explained
. Personal budgeting strategy
. Buying vs Renting a house
. Emergency Funds debunked!
. SEBI’s regulations and their implications
. Busting Finance Myths
#financewithsharan #humansofbombay #podcast
Time Stamps
00:00 - Precap
00:52 - Introduction
01:15 - Welcome to HOB
01:40 - The beginning and the journey to making Finance Fun
07:15 - Growing up and the money mindset
08:35 - The leap of finance to content creation
11:15 - KZbin: Saving grace during the pandemic
12:34 - Gaining momentum: content creation & reels
14:40 - All things Finance
15:05 - Tips on managing finances in their 20s
17:10 - Taxation made simple
18:52 - Taxing strategies and tax reduction
20:55 - Budgeting and prioritizing your Finances
24:10 - Decoding the decision to buy 'Apna ghar'
28:15 - Real estate: Renting vs Buying
30:42 - How do plan an Emergency fund?
33:12 - When should one start planning for Retirement?
35:14 - SEBI's Action on bad Finance Influencers
39:35 - Negative role of media & bad PR
41:39 - Finance With Sharan style
48:46 - Busting Myths
50:31 - Taking The Entrepreneurial Route
59:00 - Takeaway financial advice from Sharan
Links:
Humans of Bombay
Instagram: / officialhumansofbombay
YT Shorts: / @humansofbombayuncovered
LinkedIn: / humans-of-bombay
Sharan Hegde
KZbin: / @financewithsharan
Instagram: financewith...
X (formerly Twitter): financewsharan?la...
LinkedIn: / sharanhegde95
Karishma Mehta
Instagram: / karimehta05
LinkedIn: / karishma-mehta-b22151174
About Humans of Bombay -
Humans of Bombay is a movement that started 9 years ago. We believe that every person has a story to tell and we want to help them tell these stories. In these years we’ve published stories across genres - stories of love, hope, faith and courage. And through our storytelling, we’ve built an engaged community of over 5M!
Our idea is simple - to strike a chord with our community and catalogue the beat of humanity, one story at a time.

[@karishmamehta3337]

Really broke it down. Definitely not investing in real estate 🎉 thanks for the time, added so much value!

[@humansofbombay2801]

So much to learn from this episode! 🙏🏻❤️

[@parth3337]

Really Kari indeed ❤

[@radhajadhav7303]

Barishma Behta is trying to gain publicity, empathy and sympathy and then play the victim (as Bujrathis purposely do) by raking up controversy over the name of Mumbai and then do plagiarization and propoganda to claim that Bujrathis made Mumbai. Mumbai is Maha Amba Bai. The same Amba Bai for whom Bujrathis do garba to invoke the goddess during navratri but don't feel a speck of shame while calling Amba Bai as they do and their masters the genocidal Bnglish did. How can the Bujrathis feel ashamed because garba is a romantic party for them not a devotional sacred sanskriti. Instead of invoking mother Amba Bai to take an avataar amidst them, Bujrathi girls do garba and become garbawati themselves. The abortion centres run full swing during navratri garba in Bujrath as well as Mumbai,Maharashtra. Bujrathi fathers have to hire detectives to spy on their girls to track their activities. Mumbai has been officially named Mumbai since 1995 (28 years). Barishma Behta Mumbai has been called Mumbai even by the Bortuguese and Brench as recorded in the 16th, 17th and 18th century. Bujrathis came to Mumbai from Bathiawad to make money because Mumbai was the commercial and trading capital and the Bujrathi micro and small businessmen were slaves of the Binglish. Jagannath Shankersheth (a Maharashtrian) was the first president of the Mumbai Association (apex organisation of all businessmen of Mumbai). Not only that but also Jagannath Shankersheth donated his entire wada (many acres) in Mumbai to build the factory for manufacturing trains. Jagannath Shankersheth innaugurated the first train in 1853 in Mumbai 4 four years before the Binglish forced their kingdom on Sindhusthan. The Binglish East Sindhia company came to Sindhusthan in 1605 but were not allowed to trade in the Maratha kingdom's territory (including Mumbai) until 1664. The Bortuguese used to pay taxes to Chhatrapathi Shivaji Maharaj. Only after the marital alliance between the Bortuguese and the Binglish was the island of Mumbai (surrounded by the islands of Colaba, Mazgaon, Worli) subleased (not given as dowry) to the Bnglish. Once the Bnglish East Sindhia Company tried to force trade (smuggle) with the Siddis of Jhangira at the Mumbai port. The Marathas routed both of them simultaneously and put the top 2 leaders of the Bnglish East Sindhia Company in jail. Chhatrapathi Shivaji Maharaj's not only rajyabhishek but also Indrabhishek (done to bhagwan Vishnu) was done in the year 1674 by the chief brahmin priest Gaga Bhat from Kashi in the presence of brahmin priests gathered from all over Sindhusthan. By 1646 itself Chhatrapathi Shivaji Maharaj built a business in his territory and did foreign trade with the Bortuguese that earned him a revenue of 2.5 lakh hons (gold coins) in 1646 itself. During the reign of any of the Chhatrapathis (until the Peshwas took over the reign of and disintegrated the Maratha kingdom into a confederacy ) neither the Bnglish nor the Bortuguese, neither the Brench nor the Biddis, neither the Bughal Turks nor the Adil Bhahis, neither the Butub Bhahis nor the Butch, could do business, commerce or trade without being under the rule of the Maharathas. Chhatrapathis Shivaji Maharaj stopped slavery, human trafficking, pillage and established a stock ( grain stock, food stock, salt amongst other things) exchange in Mumbai. That's why Sindhusthan was the richest nation in the world in the 17th and the 18th century. Before and after the Chhatrapathis and the Maharathas there wasn't any stock exchange or trade or commerce. Before and after the Chhatrapathis and the Maharathas there was one way loot and loot only by the Harab Bedinis, Bentral Asian Turks, Biddis, Bortuguese, Butch, Brench, Bnglish, Bpanish. Bujrathis like to say that Chhatrapathi Shivaji Maharaj looted Surat. Chhatrapathi raided Surat, battled, killed 3 khans and brought back Pune's wealth looted (from the local populace of Pune) over a period of 3 years by Shaista Khan (subedar then of the present-day Bujrath region and also Burungzeb's mama) incessantly. Bujrathis like to say that Raja Bhimdev was the Bujrathi king of Mumbai. Actually Raja Bhimdev was a refugee in Mumbai. Raja Bhimdev then had escaped and fled from Allahuddin Bhilji after Bhilji attacked and captured what is now Bujrath region. Raja Bhimdev was a Marathi king whose kingdom was all the way upto the present-day Bujrath region. Raja Bhimdev and his 50 people were given refuge by Raja Bhaum (of Pune) of what is now Maharashtra region at a place near Mumbai called Kalva at Thane. Later Raja Bhimdev moved to Mahim for business and trade. Later Raja Bhimdev's 2 sons moved to Marol at Andheri for business and trade. Now Bujrath has the Bhmedabad Stock Exchange and the Surat Stock Exchange. But Modi gov has taken the Mumbai Stock Exchange and the National Stock Exchange (Mumbai) to Bhmedabad. Many other institutions and organisations of Mumbai, Maharashtra (including 2 offices of RBI) have been taken to Bujrath. That is restrictive trade practice and monopolization and is illegal by law. People of Maharashtra must go to court and also do an andolan against Modi gov for that and bring Maharashtra's institutions and organisations back to Mumbai.

[@AshokKumar-2113]

Well done please teach new jonarasion

[@pujakapil1610]

Jadha Radhav😂😂😂apun thak gaya tera rant sunkar😢😂​@@radhajadhav7303

[@haritbharadwaj]

Billionaires don’t buy a house because their income grows at a rate higher than the inflation and especially increase in house prices. 2nd they can buy any house any time because they are billionaires. For a person with a corpus of 20Lakh in 20 years they cannot increase it to a substantial amount that it crosses the inflation rates. I would highly recommend this generation to buy a small or whatever house and then play with your money the way you want.

[@user-sh8]

Very well said sir 100% agree

[@rishu0532]

Agreed

[@suman3316]

Well said

[@Pradify_ai]

I agree

[@akhilseth9079]

Having a house also sometimes makes u not want to change job in view of better opertunity. Say in another state or country. Also property is highly non-liquid asset. Even if u think of selling it and moving away. You can’t do it immidiately or from a remote location.

[@abhishekshrivastav7941]

Rent vs EMI is a decision where leveraging works in your favor. EMI will look smaller after 10 years as money will loose its value nd Rent will keep increasing for the same reason money loosing its value.

[@bibhagaurav9406]

Oh my, that was an hour discussion video and first time I watched any such long video on KZbin. This guy really knows to keep audience glued. We need such content

[@Ad-wy4xt]

Humans of Bombay, you have made my 1 hour worth watching and listening to your podcast.

[@sujatasoparkar2853]

Very insightful conversation.... Thank you channel for bringing this up

[@rahoolmukherjee]

"Buying a house" for living purposes is completely different to "investing" in a property portfolio. Property portfolios definitely add values in terms of diversification and it still balances and optimizes returns in the long term.

[@vikashbkj]

Awesome and healthy discussion ❤❤❤❤❤❤

[@mariacolaco6218]

A podcast with a Soul...simple, selfless... Thanks

[@tanvijain7249]

This person has given so much good and pure knowledge!

[@saravanamj6537]

Thank you so much for the financial insights

[@anjuvijayan3372]

Thank you Karishma for bringing him...🙏

[@souravnath3086]

Truly Loved it ❤.... Great insight to some of my own questions...

[@AnshhBag]

The best financial podcast....Thank u❤

[@MEB_KunalArya]

Thank you for bringing this podcast a pretty insightful podcast for us about money, investment and everything related to it. You guys are doing a pretty good jib please keep doing it. Love you 3000 HOB...

[@humansofbombay2801]

Thank you so much! ❤️❤️

[@Aartipakar-uo3pj]

Thank you so much for this- this is going to be so helpful to me Karishma and sharan! Humans of Bombay ❤

[@karishmamehta3337]

You are most welcome ❤

[@humansofbombay2801]

❤️❤️❤️

[@Chandrashekhar-eo8jg]

I don't agree that banks own the house. If you have the authority to sell then you own the house and not the banks. The appreciation you get on the house compensates for the interest you are paying on that. You can always sell the house. Real estate if you are getting good deal will always give you great return . You just need to ensure that the EMI is manageable that's it .

[@Abhishek-bo8ed]

rent plus tax rebate should cover the emi . then I think it's sensible to buy

[@vigneshmani2636]

watched complete video.. very good info

[@PawanTheSeekr]

Quite insightful podcast! Sharan is like super friendly intelligent adviser!

[@dhruvinshah119]

One of best podcast ever seen on financial planning! ❤

[@user-bb1tj7hd5w]

Just simply a wow education video. Kudos to Sharan and Karishma.

[@excelskillforall]

True

[@Pradify_ai]

Buying a house anytime. May be not big but whatever you can afford. Moving across places, instability, rent hikes when you don’t have enough funds or future proof income!!

[@RakshaRS]

Such an insightful episode!

[@humansofbombay2801]

Thank you! 🙏🏻❤️

[@Pradify_ai]

Beauty with brains! I love this girl 😍

[@parth3337]

Really broke it down. Definitely not investing in real estate🎉thanks for the time , added so much value!

[@humansofbombay2801]

🙏🏻🙏🏻❤️❤️

[@margiejs]

I had gotten his course last month ... I like him . U r so beautiful Kari... Love u both 🎉

[@shabbirbagawan7013]

Thank You Ma'am

[@shubhajitadhikary1960]

Great job 👏🏻 🔥

[@swarooppratap]

Good knowledge

[@shrutinair5186]

Prices will increase exponentially but don't buy a house, really? Everyone in their 20s should invest in themselves first before planning for retirement on Day 1 of earning. Your income growth over the next 10 years will compensate for the lack of retirement planning from day 1 of your job

[@buntym5167]

Amongst the best episodes of HOB... Better bringing finfluencers than bollywood actors on a Podcast :) Next Tanmay Bhatt please ??

[@zainabchechatwala8924]

Really insightful tips on Financial Investments and Strategy

[@humansofbombay2801]

Thank you for watching! ❤️

[@karishmamehta3337]

Agreed

[@parth3337]

Agreed

[@himmatsingrathod4271]

500 se 1200 sirf 15 se 20 minute mai banayen hai. Thank you for your knowledge 🙏🙏

[@akshaydamle95]

Nice video, just one correction regarding NPS: tax exemption on individual contribution can be max 50k and this comes under section 80CCD(1) however the limit on tax exempt amount through employer contribution is not 50k, it's 10% of (basic+DA) and this comes under section 80CCD(2). So the total tax exempt amount over and above the 1.5 lakh 80C limit is not limited to just 1 lakh. It's actually limited to 50k + (10% of basic+DA).

[@alliswell-rh5lv]

Karishma, Your lough has the most amazing sound!

[@maidishahoon]

Thisssss man has my heart :)!! from now likee this video is a BIG MYHT BUSTING from me !!

[@ArunRampure]

Grrat video! I want to mention about finding a financial advisor for the rest of the life. Looking for financial advisors who are good with UK and India tax system.

[@ayushbarot]

When you see the GDP per capita of India ($4k - $5k) and compare the prices of the houses in megacities right now, it’s ridiculous. I completely agree with him

[@debankanmukherjee9927]

Insightful!!!

[@humansofbombay2801]

Thank you! ❤️

[@jumperkartik]

In the renting vs buying session, he says people don't realise that they dont own the house. Even in rented house you dont own the house. The difference is after the loan term you own the house, whereas even after renting the house for the same tenure you dont own the house. Another point is the emi stay almost the same throughout the tenure. Rents have increased drastically in the past post covid and even otherwise.

[@humansofbombay2801]

Thank you for sharing your point of view! 🙏🏻❤️

[@entanglednerves]

How is "owning" the house making you any better in terms of your overall assets. Sharan is noway implying that you shouldn't buy a house. He's talking about building assets and good liquid money and then think of going for buying a house.

[@jumperkartik]

@@entanglednerves and I am not implying that he said never buy a house. The only point I’m making is that if he says paying emi to the bank doesn’t mean you own the house then renting the house also doesn’t make you the owner. Infact he also says it doesn’t mean never buy a house which is indeed a valid point. To answer your question if you own a house it can give you rental yield or resale value. Also to add, this doesn’t mean renting is bad. People should make their decision based on the situation they are in.

[@Aaditya10021]

@@jumperkartik At last someone is making a sense 😊

[@gowthambesetty4014]

Just enjoyed a Quality 1hr show... Thank you Team for interviewing this Gem(i follow my man #financewithsharan❤❤️❤️

[@nomiefilms2532]

as always…leart something 👍👍👍…Thanks HOB..

[@humansofbombay2801]

Thank you! ❤️

[@StutiJhunjhunwala-gp4sz]

such an interesting episode!

[@humansofbombay2801]

❤️❤️❤️

[@user-cw3lx9cl4y]

Very informative ❤❤

[@humansofbombay2801]

Thank you! ❤️

[@powerfuladvertisement4179]

tips are really useful

[@humansofbombay2801]

Glad you found the episode helpful! ❤️

[@imayurtambe]

Very informative ❤️

[@humansofbombay2801]

🙏🏻❤️

[@ashwanikumar415]

very informative !!! sometimes in life you just need such clues like this video

[@humansofbombay2801]

Thank you for watching! ❤️

[@riyazshaikh5353]

Don't buy home,don't buy car..don't buy watch... basically don't buy..eat less.and don't eat outside food,outside food are not good for health..work like animal .save hard..give them all money to invest in different fund. Make them Billionaires..as simple

[@ashoksenthivel1145]

Work seventy hours a week also

[@baru899]

Very good advise

[@user-zo7fn6pd6m]

Many fortune companies are hiring only from IIM. That's right Sharan.

[@radhika8733]

Why picture of nikhil kamath is there when it's finance with sharan on thumbnail..can't send screenshot..wd have sent

[@NoName-bb2pu]

I'm an interior contractor, I know Nikhil Kamat has a home he owns (Kingfisher Towers), and I made a tidy sum designing his walls as well. This lying scumbag Sharan is a market promoter, one of many, that is how Reliance, Tata, Infy etc raise funds free of risk or interest by having the puppets of Sharan and others fund it for pittance returns after 20+ odd years

[@user-zy5mx5wd6q]

Please add english subtitles

[@saptadeepdas1188]

Karishma holds a degree in business and economics from a top University .

[@drvishal2010]

❤❤❤❤ From India... What an awesome travel video with such a lovely msg at the end... Wow🤩😇👍🏼

[@Shivam-ms9ws]

33:08 good one.

[@ratrace786]

Need your advice on rent vs buy topic. I agree that if a person buys the house on loan do not owns the house for next 20 years(or till he pays every penny to bank) ending up paying almost double the money with intrest for 20 years (which still can be reduced with fore closure). But still after his retirement he is gonna be needing the home when he won't be having any active income (unless his retirement planning was perfect with his investment) wouldn't that be the point of worry?. For example if any ABC property in today's date is costing 85 lakhs, and after 20 years this number may goes triple or may be more ending up paying me rent for next 20 years which itself is raising every year at around 8-10%.

[@sapsdcoaching456]

both looks good as top as corporate pair

[@artbysneha_07]

I recently started following Sharan Very helpful content 🙌

[@humansofbombay2801]

He’s incredible! 🙏🏻❤️

[@artbysneha_07]

@@humansofbombay2801 💯🙌

[@krishnagoel10]

Sharan ka content i am watching from beginning but got to about karishma from raj’s podcast, since then i am attracted to her🥰 she is very cute 😂😂😂

[@nikhilbhatia2706]

Emergency funds: 50% of it should be kept in small finance savings account, really? Yes, RBI insures upto 5L but what happens when bank is in trouble and at the same time you require your emergency funds? The legal procedure could take 2-3 months easily and ultimately you're not getting money when you needed the most! Don't look for returns in case of emergency funds - Accessibility > Anything in this case!

[@wolfmangoland7972]

The video title is incorrect. According to a survey done by the Wall Street Journal in 2019 and a more recent article in Forbes magazine, the median number of homes owned by billionaires is 5 and the average number is 5.8. Most billionaires not only have primary residences but also own vacation homes, investment properties, and real estate holdings that contribute to their wealth. Their properties can be spread across different countries and are often located in exclusive areas that reflect their financial status. These properties are typically luxurious, featuring high-end amenities and substantial privacy and security measures.

[@user-wm4so2pm6l]

👍👍

[@domcity11]

28:55 This is the most important point. No other countries have such expensive houses especially apartments compared to India considering PPP. However it's not that Indians are making less hence this is the picture. Even in other countries e.g USA , a person earning normal salary like 80K to 1L USD per annum can get a spacious flat in 2-3L USD which is 3 years of salary. At some places even house on land in same amount can be purchased. In India system is designed in a such way that middle class should burst 10-15 years of salary for mere 1K square feet flat where they won't even have land ownership. This has resulted mostly because of emotional buying, parking of black money and corruption at various stages. Still many people are ready to burst their current and future earnings "assuming" this is the rate!! this is the investment!! it's going to appreciate only!! This wrong actually. In metro cities there's hardly any appreciation in last 10 years as prices are already way too inflated and new supply is significantly increased with high rise towers and complexes. Still sellers can ask any ridiculous prices as per their wish. It's only upto buyers to think whether it is worth it?

[@adithyagirla]

👍

[@nikeshsk1]

Nice conversation about youth. However there is a correction in NPS statement Saran said.... in NPS employer contribution can be 10% of Basic which is not restricted to 50k. I am an Investor and MFD agreed with his system talked-about

[@dysplasiaanaplasia4128]

Ali abdal is a doctor by 2021 not just a med student that too he topped in Cambridge. Also he left medicine.

[@nagangks7486]

Excellent interview 🎉🎉 Mr.Sarans shorts are very popular and informative.

[@kamathsonline]

A lot of "expert comments" seem to be wrong, buying a house vs renting, small finance banks for emergency. High risk doesn't mean high return, BAD advice Nikhil Kamath invests majority of his money in debt, he doesn't need to buy a house, he can afford a mansion for life. I wonder what he teaches in the masterclasses and to the 1% club 😮 Stop believing everything what influencers says, one solution doesn't fit all.

[@KARAN16DUDE]

What a podcast.... Definitely worth the time seeing ✌️

[@user-hl4ie2ld2f]

It is such an agreeable interview. Everything the guest is saying she is agreeing to it and rephrasing it. How are the interviewer challenging the speaker? Because of this the interview sounds like propaganda or the interviewer knows nothing about the topic

[@ashokmasterstutorials]

❤❤❤❤❤

[@SURAVEEMISHRA]

oh man, i loved it. good one

[@amitrewadkar7239]

If there is no ancestral property and an individual staying on rent then he/she should have a house on his/her name as it becomes difficult ones you have your own family and kids to move renting houses every now and then which impacts kids education and traveling for work, nevertheless if it's a 2nd house or investment house it's not at all required, better invest these funds in MFs and assign to goals for your future and retirement or kids future and

[@gautamsingh-bl5jq]

He hasn’t grasped from Robert even after that awesome podcast.

[@Randomcomment7699]

W r t credit card i pay monthly expenses in advance to credit card which help me plan what I am about to buy ..

[@hesh2892]

House and land price in some parts of kerala are static for 10 years 😮

[@Tphanindra]

45:22 CAs are not limited to tax planning. Tax covers about 25℅ of whole CA final syllabus.

[@TheTommumbai]

For the emergency fund, why don’t put your money in FD and open an OD against it? None suggests this

[@filmmistakes5872]

Kiti awesome hain ye ladki

[@bristisen5061]

If we are staying in a city like bangalore where rents are increasing by 20-30% every year, apart from monthly rent, there will be shifting charges, one month extra rent on the name of painting charges, house maintenance fees etc., then also we should not buy house in the city and just pay monthly rent like just putting money in river ?

[@mayurnarayan1]

Improve your salary and skills better than inflation

[@user-cw3lx9cl4y]

❤❤❤

[@humansofbombay2801]

❤️❤️❤️

[@radhika8733]

Why picture of nikhil kamath is there when it's finance with sharan on thumbnail..can't send screenshot..wd have sent

[@Sarahbird51]

Sharan appears to be creating products like Ramsey Solutions by Dave Ramsey (Financial peace university is Financial freedom university etc).

[@Leonard.J.Mills.]

After a long time I see the mic 🎤 placed below the chin. Perfect.

[@humansofbombay2801]

❤️❤️

[@rahulkharwane5010]

karishma you are so so so so good looking :)

[@cp3190]

The whole investing in real estate take is so juvenile. If people don't buy real estate the system collapses. Who are you going to rent from ? Eventual landlords who will then rent control and make it so buying will be cheaper.

[@kethaniyer5554]

Karishma ur pretty doesn't allow me to concentrate on the content😂❤

[@gopikrishna9121]

If everyone will rent who will buy for renting it

[@KrishnaKhandelwal15]

I have watched multiple videos on renting vs Buying the house my pints are 1. Buy a house when you have kids and family because you need stability for your kids. 2. must have 12 month of emergency fund with all your expenses ( EMIs, food, kids tuition fee etc.) 3. You must have 20% Down payment + 10 % other costs of the so total 30% or more pries of the house. 4. your all loan EMIs must not be more than 30-35% of your income.

[@RishabhGuptaguptarishabh]

my firend's house still costs 3 crores even after 10YEARS!! HE BOUGHT IT FOR 3 CRORES 10 YEARS AGO...

[@manalipatel8751]

Everything was awesome but atleast define SBEI Not all people know.

[@anshvirmani6113]

FACT CHECK It’s not a real estate developer, he is Ankur Warikoo :) 28:36

[@nitkashish]

Hi Sharan, I don't think employee can have 2 NPS account, 1 with employer and other one is with NPS as the tax deduction is applicable for 2 Lacs. Can you recheck and respond?

[@appakhutwad2509]

Yes, you can do it with 2 nps account, I am doing it from last 11 years

[@nitkashish]

@@appakhutwad2509 that's not correct I believe as you can see in IT form that you can do for one alone

[@TalathotiNavya]

May be tier 2 NpS

[@1993kapil]

Why does their thumbnail have nikhil kamat bigger than either person in the podcast?

[@Coaches_marketingtips]

LONG STORY SHORT BE RICH, AND BE STRESS FREE

[@mastershifu7]

I have a doubt , do you guys think real estate price will stay the same forever? Even if I invest that amount somewhere else and come back after years later to buy that house , will that price still be same?

[@sanchitsharma9891]

He said there is 7-8% cagr

[@sheikbasha7932]

When market crash & when epidemic you truth of finance...!!!!!

[@foodiography]

'Funk' mtlab kuch bhi in my childhood days my English teacher used to say speak bombastic words that time i speak only normal clear logical English and now too so unnecessarily add funky words which has no context to topic is useless if you google funk meaning is music . For money and house my perspective is very different from so called finfluencers someday if i am sad now i very happy i will make video and open a KZbin channel which blow everyone that how they never thought this way

[@bharathkumar7434]

How old is he👀🤔..?

[@ankurgupta7532]

Open a super savings account for emergency fund.

[@divankersaxena3809]

It means that if i am a billionaire then i should not buy a house , And , if i am middle class then i should

[@HarshavardhanTamil]

It's not Bangalore it's Bengaluru

[@santhoshyoganand]

Not buy house but houses, yachts, islands, private jets,...