Millionaire CFA Staying On Rent In Delhi Ft.

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Embark on a journey of financial independence with Sanjay Kathuria, an accomplished figure in option trading and finance consultancy industry. In this episode of Konversation with Kushal, Sanjay shares insights drawn from his own financial success, boasting a portfolio of 6 Cr in investments and a thriving passive income stream.
Simplifying the path to financial freedom, Sanjay advocates for three straightforward rules: the 1/3rd rule for budgeting, dividing income into expenses, investments, and taxes; the Passive Income Rule, emphasizing the importance of generating passive income to cover expenses; and the No BNPL Rule, cautioning against the dangers of Buy Now, Pay Later schemes without secure passive income.
Whether you're a GenZ or anyone eager to fortify their financial future, this podcast offers actionable strategies and real-life examples to guide you towards financial empowerment. Tune in to this episode of Konversation with Kushal and take your first step towards achieving your financial goals.
Time Stamps:
00:00 - Introduction
01:40 - How Sanjay achieved a mini retirement at 40?
04:38 - A breakdown of Sanjay's income & expenses
06:55 - Sanjay's investment strategy & asset allocation
09:42 - How much is Sanjay's investment portfolio?
10:49 - Sanjay on Option Trading
12:09 - Advise to generate passive income
15:52 - How much should a 21-year-old invest in SIP's?
16:57 - Sanjay's biggest splurge
17:47 - Credit card vs Buy Now Pay Later (BNPL)
20:49 - Sanjay's Money Mistakes & Closing Thoughts
Follow our guest, Sanjay Kathuria on Social Media:
📝 LinkedIn: / sanjaykathuria
📷 Instagram: / financebysanjay
🎥 KZbin: / @profitsfirstsanjay
Follow Kushal Lodha on Social Media:
📝 LinkedIn: / kushallodha548
📷 Instagram: / kushallodha548
📱 Twitter: / kushallodha548
Follow KAGR Club on Social Media:
📝 LinkedIn: / kagr-club
📷 Instagram: / kagrclub
🎥 KZbin: / @kagr
#kushallodha #personalfinance #millionaire

[@ProfitsFirstSanjay]

Had a wonderful time with you Kushal. Looking forward to many such interactions

[@Mohit-us7ew]

Best podcast Ever seen ❤

[@sibasishpadhy0445]

Great to see you I've watched your videos on bada business

[@yogeshgoyal1559]

​@@sibasishpadhy0445⁰⁰⁰

[@logicsandtrolls3616]

bro you are the first person i liked on any finance influencer show. Very rooted and grounded discussion. I have a nw of around 15cr. Out of which 8.5 cr is investable. most of it is sitting in US tech stocks. any advice?

[@logicsandtrolls3616]

i liked the passive income thing you said. what should i do to generate some passive income.

[@Drrakeshkathuria3714]

Very encouraging discussion for ambitious youngsters to learn finance.Keep it Up Sanjay.God bless you

[@harshilgandhi2278]

Never give loan to a friend Celebrating what you achieve writing what I want and what I achieve is just a very smart way. Thanks sir

[@manishraychura5932]

Very transparent, honest personal disclosure. You hardly find such guy. Excellent

[@user-jd5rt2iz9j]

Excellent advices ❤❤ Enjoyed the video..

[@Gamer-monk.]

Good amount of wisdom! Thanks for this!

[@suyashbandhiwal7380]

thanks you kushal and sanjay sir for giving advices ❤enjoyed a lot

[@sghsjsrxz2481]

You know why he's not invested in real estate...because he made his wealth selling wrong real estate to normal public

[@shubhamkhanwani7641]

Hey Kushal, this video is helpful and good ❤❤

[@vishalmast]

Great open video for youngsters. Great 👍

[@riteshghadi9085]

Excellent candid conversation and great insights

[@deepanshuparwani8169]

COMPOUNDING A GREAT WONDER

[@sadhna1gaurav]

Amazing video!!

[@sridharbasavaraju9097]

Nice conversation ❤❤❤🎉

[@akshayaajgaonkar1992]

Amazing !!!

[@user-hw3vf6pu9q]

My age is 36 and my networth is 15.5 cr .When I was in job in 2015 my salary was Rs 30000 and I am financially independent

[@vthakar77]

How

[@user-hw3vf6pu9q]

@@vthakar77Quit job and running the same Business .

[@user-hw3vf6pu9q]

At the age of 28 I paid 29 lac income tax to Indian government and my overall income before tax 1 cr

[@user-hw3vf6pu9q]

@@vthakar77 At the age of 40 i will achieve 50 crore cash in bank.Every time I am searching for cheap assets like real estate ,Crypto and share market .Generally I am waiting for long time to invest cheap assets for multibagger returns with full of confidence

[@sarpanchbabu1561]

Keise???

[@nandkishorsonawane2511]

Nice conversation. Learned lots..

[@boundless07]

Good video, point to point 👍🏼👍🏼

[@PakodiM]

Dear Sanjay your advice is a very good investment in Mutual SIPs and not to lend money to friends I have a bitter experience and never ever lend money to friends only help the extent possible and write off 🙏🏿

[@noahark3984]

Very inspiring 🌟

[@ushajha5746]

Hey kushal, thnks for this valueable knowledge... Looking morr forward... God bless u... Ua ging grt job

[@prabin-3189]

Best podcast ever

[@sahilapte7031]

Best advice ever 😊 thanks

[@frankonaik]

16:35 Dil par lagi baat 😢

[@0nlypets_world]

The problem this are the ppl who werr earning good at that time and they knew where to invest while 70% of our country on our survival bias

[@b.r.8528]

That's so true and very understated. Sometimes family background and your network also matters a ton. How many of us know about investing when we graduate or even start working?

[@anuragdave6125]

It would be nice if you made a video addressing the issue regarding new SPOM announcement by Institute. Like the site is crashing everytime.... Nov 24 exam is close and they want students to spend 80hr. on their site watching lecture.

[@vivekshivdasani9521]

I did my schooling from La Martiniere School and my school fee were Rs35/- p.m. I did my graduation from SRCC and my college fees were Rs65/ per semester. Both were outstanding institutions. I feel so lucky and fortunate when I see youngsters getting enrolled in these fancy institutions like Lovely University and Amity University etc etc.

[@arithmetic.499]

Which school?? govt funded?? Lucknow???

[@arithmetic.499]

Bro SRCC 3 years fees is around 1 lakh

[@vivekshivdasani9521]

@@arithmetic.499 I studied in SRCC from 1983 to 1986. That was the fees structure then.

[@ArpitSingh-uj7ke]

​@@arithmetic.499maybe he did it in 1990 or around that time period

[@arjundevbhatia6397]

Very nice learning and true

[@DineshKumar-ei2dw]

Great & lovely man

[@vinayakrungta1733]

As mentioned , BNPL has also a financial limit. It’s not unlimited.

[@VinodKharvi111]

Sanjay Kathuria a very knowledgeable finance.! But he is hiding bada business work experience.

[@88varund]

IMHO His definition of passive income is completely wrong. Passive income is something like interest, rent, dividend which you earn by doing nothing. Whereas he is comparing it with consulting where he himself said he had to give a great chunk of his daily time.

[@nikhilvengaladas]

I could relate to his last mistakes in the video. Finding reasons to get your money back is the worst thing that can happen with friends.

[@souravmondol8085]

My cement dealer uncle has a net worth 20cr+ at the age of 50...

[@0nlypets_world]

Commodity market is stable no dead stock and best business if u know how to do it

[@user-li2eg4ng1d]

Bhaiya Please DR. CA RC SHARMA ka bhi Interview lijiye na please

[@PakodiM]

Compounding Eight Wonder of the World 🎉

[@ManojSharma-zb9ck]

Very nice talking

[@millind5171]

"itni toh mahri ek jameen ki aadhi laagat hai le mahra lele intervoo" - a random uncle in any semi-urban town of u.p & haryana

[@SavageMunde]

Do a podcast with sharan...

[@viktrancestudio6398]

I am 40 yr old and net worth is 400 CR

[@sanjaykale6235]

Kushalbhai..mera bhi same haalat he..job gya gulf me..kya kre

[@tapk1995]

Indian market is trillion $ 3.5 economy. Population 1.45 billion (No 1 on earth), Approx 300 million Indians above 22 yrs yrs. Suppose one tenth or 30 million or 3 crore achieve financial independence earning @ ₹8crore from NSE/BSE Satta bazar, the amount would $ 30 Trillion equivalent to US MARKET going bust. But this u tube would get good hit . Cheers but do t day dream

[@komalbasantani]

9:05 "Papa bolenge ek chamaat marunga aise quotes meko suna rhe" this was epic.😂😂

[@KushalLodha548]

Hahahaha

[@harshdixit9367]

Isme kya epic h

[@AB-ck2ov]

@@harshdixit9367😂😂

[@chandankn]

showoff..he is not wealthy, he is just rich…school fees 5L is not required

[@shahzykhan7592]

Well if he can afford, why not send his son to a good school.

[@sriramjay2010]

acha gyan agar practicality is different

[@bigwealthIndia]

Sanjay ji plz invest in AIF with tax free income and amazing returns

[@OmL1t4g4]

That’s too little amount to retire

[@AJS02K]

CONVERSATION ki spelling galat nhi hai

[@anarghya1000]

I want to retire at the age of 50

[@SingaporeBuilds]

Boss call and put is not investment.

[@b.r.8528]

Yup, that's pure trading/punting on the market's/ a stocks's direction.

[@aashishkumar9658]

Sir toh ashneer grover lg rhe❤

[@gopinath_ravi]

He said six crores as his corpus right..with no real estate. Somehow I feel that his corpus is too low, considering his salary in 2007-08, 2012-13 etc. 😮

[@sranil]

True. I am a software engineer in India who started around the same time and my net worth is much more than this guy. My investments are 70% real estate with 1L passive income from rents and remaining in my current company RSUs.

[@shrijitfinance147]

Tax 😢

[@b.r.8528]

​@@sranilI think you're a minority. Not everyone has the luxury of getting ESOPs. Good on you that you got em and I'm happy for you, but ESOPs in a good company really increase the velocity of wealth generation. By the way, what's your NW if you don't mind my asking? Thanks.

[@chanduchandana4378]

Request u to give up eng subtitles

[@dinojames5093]

Mere school ki ek sal ki fees 45 k hai konse school m hai ush ka bacha😮

[@pradeeps28]

Kushal no doubt u are lucky hope u understand . But on the other side I did not like facing audience with keeping one leg resting on other

[@GauravSharma-jt3kt]

Full financial video. Great

[@gopalnayak6102]

How passive income 95 in mutual fund

[@madhureddymokkala8347]

Interview fully language English tel me bro..

[@lizaparmar896]

Bhaiya had to ask did you used to go for coachings for ca cfa acca?or self study....can one clear it by self studying pls reply🙏🏻🙏🏻

[@Cxl-25]

SIP for middle class...💀✅

[@samsne88]

Great video 💯🎉

[@ashu-bu8he]

hmm. joker ki new series aa ri hai, i think cover that instead...

[@tusharagarwal7864]

😂😂

[@prashantranjan4859]

Thanks

[@adityasatishkulkarni8213]

Pls don't violate ethics Don't say I am a CFA as per our Code of Standards and Ethics we as a CFA candidate or members cannot say or use CFA designation as a noun. We can use it behind our names as here in an example Mr.Rahul, CFA. But not as Mr.ABC here is a CFA. It violates ethics. Please don't do so. Respect the profession and respect the designation. Thank you for reading.

[@SingaporeBuilds]

Interviewer needs to work on his tone. Sounds so tired and bored.

[@adityasheokand1275]

Bahaut dino baad ak bahaut aacha interview Dekha

[@prasadpatil734]

His 13 lac of big loss is half of our Stop loss. 😂

[@sumanta3151]

2 lakh expense per month😢

[@RobinNMarak-x5p]

He looks like Reid Hoffman haha

[@vikaassharma740]

Sanjay bhai ji baat pe vishwas nhi ho rha hae !!!

[@user-vz5wt1ss2l]

From which college he did his MBA

[@akshayaajgaonkar1992]

He mentioned welingkar

[@KA-4013]

Welingkar college, Mumbai Matunga

[@Rajsinghbk9zq]

Please someone guide me . I am in class 12 commerce ( without maths) . And now I feel demotivate that my future is in danger . My all friends take science they ALL want to become mercent navy, doctor, etc . I feel I left alone. 😢 I don't know my interest is In Which field or job . My you tube alway recommend iit video NEET video . But I tell you one thing that I am want to do something I am not that kind of person you know Haa hamko kuch nahi karna I just want to chill. So please 🙏 suggest me something and please take it seriously and sorry for spelling mistake. And grammatical mistake. 😢

[@SecureFuture-pq1rd]

Hey bro keep calm and do CA ❤

[@love__pandey805]

CA Kro bro

[@Rajsinghbk9zq]

I understand that but kya ca mein future hai salary etc and which state is best for ca .

[@taru66]

​@@Rajsinghbk9zq wo baad mai sochna but kya tere mai himmat h ca krne ki? Kya tere mai patience h? Kya tu 12 hr lecture dekh payega?

[@siddhuri6511]

Start making content on YT/insta, explore all the available options and also keep yourself open to all options and the most necessary thing, never stop working hard

[@pawan.agrawal]

One KZbinr is promoting other Nothing to learn from this video

[@b.r.8528]

Well said. This video just seems like a circle jerk with two KZbinrs.

[@sghsjsrxz2481]

Self proclaimed business coach..the most overrated title

[@raahulkumar9613]

Not impressive. This isn’t a proper conversation

[@KushalLodha548]

What did you not like? Could you pls let us know?

[@srinivasanirudhbm]

You look very much tired Kushal.

[@KushalLodha548]

Hahaha no why do you think so

[@mem1001953]

Good. After 40 with lot of money you will get enough time to scratch pair of balls. Great.

[@robin02403022]

I am 39 and my current net worth is 7 crore

[@shrenikambre4004]

Buy a g wagon

[@nayeemmshaik]

​@@shrenikambre4004 You stop watching reels man !

[@ankurgoel2852]

I am 41 with 30cr

[@keshavagarwal3744]

I'm 52 with somewhat around 764 crores

[@LazyyyClasses]

I'm146 and I have 239000 crore.

[@user-dt1sj7sv2l]

why you are writing in diary when someone is talking to you. this looks very cheap

[@senturi9645]

He is sasta wala amir aadmi….😂😂😂 1 lakh ki watch he finds it expensive !!!!😂😂😂 GARIB AMIR

[@tayaladitya1]

True. Faltu ki sheki with little wealth after 40 years

[@LiveTraderPrince]

Amazing genuine content on youtube Thanks a lot for giving such wonderful video with lots of knowledge I am sure my life will improve

[@ronitraheja5848]

40,000 per month for 1 child school fees ... and he will throw away you from your home after 20 years

[@arjun_maan]

You looks more than 20 ,Have you thrown your parents of home?

[@ronitraheja5848]

​@@arjun_maan Yes I am above 20 , do you want to send your sister's marriage proposal to me ? That is why you are concerned about my age

[@devilox9401]

Bro if you well teach your children they don’t throw you also you have to be smart like be your poperty owner have good amount of money in your portfolio show dominance your child wouldn’t dare to throw also have 2 or 3 advocates contacts monitoring own children

[@RajeshYadav-vd6sw]

Bad person to have on show…… ye barbad Karen Ke like paida hua hai ye😂😂😂

[@gurpreetkakkar]

Overconfidence

[@dhananjay.8]

Still a confidence that you are lacking.

[@gurpreetkakkar]

@@dhananjay.8 😂😂😂 i have half of the guy giving interview at a lot less age, self earned but thanks for your compliment

[@mukeshsanwal1305]

Vahi toh 90 percent mutual fund mai rakh ke gyan de raha hai

[@RajendraShekhawatIndia]

This guy is blah blah blah. Nothing to learn

[@maakirey387]

Sahi pakde

[@Alifaizanmd]

Worst podcast ever

[@Arnav217]

First !

[@KushalLodha548]

Let me know how you liked the video!

[@Binod2591]

​@@KushalLodha548 Sir ek suggestion Dena tha , ap apna note taking conversation ke sath sath mat Karo , make eye contact with the other person it looks good!

[@investwalebhaiya]

Main khula mooh wala thumbnail dekh ke aaya...jibh nikli hoti toh aur mazaa aata

[@KushalLodha548]

🤣🤣🤣🤣

[@kroychoudhury]

1 million USD is barely financially independent 😂

[@b.r.8528]

Could you explain that a little more? Why isn't 8.5 Cr good enough to be financially independent?

[@iamharami8820]

40 thousand fee Dene ke bajay sip karleta to baccha bada hone tak tumne jitne paise abtak kamaye usse Kai Guna jada usse milte😂

[@AshishYadav-hx1qf]

One question to mr Sanjay Sanjay was partner with Vivek bindra his consultancy fees was 3 lakh + GST what happened about that business. Not told anything about it ?? @kushal lodha

[@RajendraShekhawatIndia]

Contact me, better story and portfolio than this one.

[@9990496609]

Bass 1 million, sanjay mlm join karo Jab diamond level ayega to bmw milega ,private island milega

[@Varunkvlogs2Msubscriber]

I left this video at 16:38 , bhai bakchodi kar raha hai...not everyone has the privilege of being not thrown out of job / closed their bussiness during corona....to bhai bade bol nahi bolne chahie sanjay ji ...just because you have it

[@harshjha6715]

Amazing!