Living in 1.5 Crores house with 90% Salary Locked in Expenses | Salary Secrets Ep 3

Welcome to the new episode of salary secrets with Swaroop.
Swaroop is living in a luxurious 3 BHK apartment of 1.5 Cr. But the only problem is his 90% of income is into monthly EMIs and Expenses. How can Swaroop build a good corpus from his remaining 10% income.
0:00 Introduction
2:21 Home Loan
4:10 Importance of Health insurance. Family medical emergency
5:40 Swaroop family Income
6:20 Expenses
8:29 Insurances
10:25 Real Estate
11:50 SSY Investment
12:50 Swaroop monthly budget overview and feedback
13:13 Finance Gyan
14:14 Salary spending
15:05 Starting investment journey
18:25 FUN Round
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[@kovvuriGopalKrishnaReddy]

I do invest 90% of my monthly income to various investment types & created a corpus of 1.5 Cr + constructed own house in my hometown in 8 years of my work experience. I started with 6k per month stipend in bangalore

[@PersonalFinancebyChandu]

Very good. Make sure you are investing in proper good investments

[@muddusathyanarayanagangapu3114]

Can you please share your investment strategies this would help others . Thanks

[@FirstNameLastName-lo6dg]

Pls share the strategies

[@universalinformation572]

@@kovvuriGopalKrishnaReddy not possible unless you are making 50LPA +. Very unrelastic numbers.

[@kovvuriGopalKrishnaReddy]

@@universalinformation572 when you have discipline & respect towards money it is possible else it is not possible even with 1cr package

[@sharankumar4759]

Home loan is a trap... Unfortunately every corporate employee is getting into it... Daridram aenty ante, willu chala confident ga, chala proud ga feel awthunnaru...

[@Ram2952]

software employee dabbulu anni Realestate deggara untayi

[@MrSatyan123]

Excellent video. With best quality. Respect.

[@PersonalFinancebyChandu]

Thank you

[@gokavarapusriharsha8719]

Very informative video!!!

[@PersonalFinancebyChandu]

Glad you liked it

[@VayOfBwNHI]

Nice work chandu... Your show looks similar to finance with sharan shows/interviews... But anways, your show is in our mother tongue telugu... Great... Good going and all the best

[@PersonalFinancebyChandu]

Thank you so much 🙂

[@simhadrimallikarjun1635]

First school fees ki save చేసుకోమను. లేకపోతే ఆస్తులు అమ్ముకోవాలి..

[@swamygoud6616]

Nice video anna elanaina financial knowledge spread avutadi good work 🎉❤

[@PersonalFinancebyChandu]

Thank you brother.

[@Sivakumar-zp1ho]

puttatam, peragatam, education and job and buying someting etc.. and saving ..mean while age is >60 yrs .. the main purpose of life lauging from the carner .. it includes with me as well

[@anushathokala]

Don't trap in own house emotion, and don't get lifetime debt

[@NeerajRaghavendra]

Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..

[@bhushaiahvuppathala5279]

What can we do ...his financial analysis.......🤔

[@tintin_teaches]

Really appreciate your efforts and participant courage. Please give a specific plan by breaking down in the meeting itself (not generic advices) not separately, so we will also be aware of your quotient. Take reference of finance with sharan, wint wealth, 1℅ club interviews.

[@PersonalFinancebyChandu]

Sure. Will do. Thank you for your inputs

[@durgaprasadbade476]

Watch ankur warikoo videos He give Excel sheet with clear details .​@@PersonalFinancebyChandu

[@saidulubootharaj750]

Need this type of personal finance videos bro

[@PersonalFinancebyChandu]

Definitely . Thank you

[@universalinformation572]

Stuck for another 32 years. Job pote bank illu auction pedutundi. Worst planning ever. No peace of mind

[@PersonalFinancebyChandu]

He made few real estate investments. He is going to repay 40-50 Lakhs in 2 years as Lumpsum and close the entire home loan in 12-15 years. Hope everything he planned works out well and have a peaceful life.

[@universalinformation572]

​​​@@PersonalFinancebyChandunot easy we say brother. Real estate is iliquid. Taxes and what not on capital gains. What is your personal opinion? Do you think paying a house loan EMI of almost 70% is better or going for rent?

[@PersonalFinancebyChandu]

@@universalinformation572 In terms of financial planning, theoretically, going for a rented house and investing remaining amount in mutual funds is the best. But buying a house is an emotional decision. But we need to keep in mind the budget for buying a house. But as you said, real estate had big liquidity issues

[@NeerajRaghavendra]

Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..

[@FirstNameLastName-lo6dg]

​@@universalinformation572true investment in realestate is only for black money hoarders and ppl who don't plan properly

[@mtubejobs]

Nice😊 Guru

[@PersonalFinancebyChandu]

Thank you

[@raghavendrasuru6545]

19:19 please explain this bro..

[@insurance973]

Edanna karchulu kavalante ela ee budget lo? Jeevithamantha pani chesthe aakariki aa bedroom thappa emi miguluthundi? Try to do Business also

[@NeerajRaghavendra]

Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..

[@karthiksistla1067]

1) he have to close his high interest loans first and every year increase his emi by atleast 5% or prepay 1 month emi (he can use his bonus amount for that) this will reduce total repayment drastically. 2) health insurance of 8-10 lakhs for a family is pretty less one corona can wipe of everything as it will also have co-pay. He definitely need to get super top up on it for atleast 50lakhs which come for 3-4k. 3) aa mutual funds enti bro al chepaav goal based investing anedi cheyaali thana daughter education goal 15 years so daaniki entha percentage pettaali retirement ki ppf elago undi kaabatti seperate ga entha pettaali vere fund lo child marriage ki seperate fund lo entha pettaaali chaala time undi kaabatti thakkuva pettachu. And emergency fund corpus ledu bayya ki so atleast 3 months expenses daaachaali kindano meedano padi. Lekapothe enni plans vesina waste oka month uncertainty vasthe all gone. So he has bring down his emis drastically and quickly in his prime years only. Anyways it was nice one bro.

[@PersonalFinancebyChandu]

Agreed. Thank you. We can have goal based investments. But are we really going to use the same funds for the same purpose. First and foremost, we need to invest good amount in SIPs so that wealth will be created. Once you have good corpus, you can use it for any purpose. Also he has plans to repay 40-50 lakhs of home loan in next 2 years with the real estate returns he is going to get.

[@karthiksistla1067]

Ante anna na aalochana enti ante without goal manam invest chesinapudu manaki chinna kastam vacchina aa money vaipe velthay eyes ade manam fixed goal ki link chesthe manaki oka bayam and responsibility untadi adi muttukovaddu aa amount ni ani...

[@PersonalFinancebyChandu]

@@karthiksistla1067 I agree with you completely.

[@sureshbolagani9041]

Never expose your financial things on KZbin..

[@NeerajRaghavendra]

Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..

[@sureshbolagani9041]

@@NeerajRaghavendra you are correct bro

[@PersonalFinancebyChandu]

​@@NeerajRaghavendrahis wife is not working. She used to work before marriage and she is currently house wife.

[@sai.boyina]

Wrong guidance. He should first focus on closing personal loan and other loans to reduce monthly payment. Then he can focus on investment.

[@PersonalFinancebyChandu]

Personal loan will be closed in few months. I think 1-2 months. Please watch the complete video sir.

[@NeerajRaghavendra]

Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..

[@yogauchiha6298]

​@@NeerajRaghavendravalla wife kuda working bro

[@thirupathiragamshetti7403]

Consider his real estate investment and total net assets also for financial planning

[@PersonalFinancebyChandu]

Sure. Thank you. We did discuss his real-estate details which he is going to repay as part of the home loan. Thank you for your inputs

[@gun-jagan0016]

Maavurilo one acare cost adi

[@NeerajRaghavendra]

Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..

[@laspakeer]

Can you share sip lists

[@PersonalFinancebyChandu]

please reach me in instagram message. Profile link in description

[@dineshkomakula3001]

Invest in ETFS

[@abcvlog1668]

@personalfinancebychandu why don’t you calculate kids school fee and other medical expenditure in that how can he step his income SIP

[@PersonalFinancebyChandu]

As he is medical insurance is secured, he need to concentrate on corpus building. Kids school fees comes in 5 years for Swaroop and meanwhile he can build corpus. As he is nearer to school age, he need to reassess his budget to accommodate the school fees. If he starts his SIP sooner, he is going to have compounding effect in his retirement fund. Hence start investment as soon as possible.

[@abcvlog1668]

Compounding depends on market inflation. Let say he started with 10k as SIP for 3 years may be it will be max 5 lakhs. May be his kids starts after 2 years from that reduce some 1 lakh. In this basis how can he sustain and also some point he wants to change his car due to unforeseen reasons what is his backup. Literally sometimes formulas works without any bottlenecks.

[@pavankukalakuntla6744]

Bro fix your finance ni copy laga cheyaku knchm telugu flavour and humour add chey

[@sureshbabu8290]

Hello sir 30000 income vachevalla kosam ideas chepandi sir

[@PersonalFinancebyChandu]

Sure Sir. I will plan a video on same.

[@sainath4277]

With 90% of expenses and managing with little bit savings with his coolness is getting doubt, did he have any emergency funds? Did he or his family have asserts? Did he getting any other sources of income?

[@PersonalFinancebyChandu]

He invested in real estate and he has good support from his family members. First happy point is, he has health insurance for his family and for his parents. Now he started his investments in stock market.

[@sainath4277]

Understand he is not fully in danger zone

[@NeerajRaghavendra]

Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..

[@sainath4277]

@@NeerajRaghavendra might be he took home loan first next the other loans? The bank will check that 40% of the salary can be go for emi, as per the banking person updates. But still how he got two house loans is my doubt

[@sureshbabu8290]

Midilclass valla kosam ideas chepandi sir

[@PersonalFinancebyChandu]

My only suggestion. Plan your salary, start investing. As little as possible. Even 500 rs tho investment start chesina long term lo wealth create avutundi

[@FirstNameLastName-lo6dg]

Don't invest in realestate. Realestate in India is a bubble going to brust anytime.

[@dorajuluri]

House ki jeetham jeevitham ankitham cheseyyalemo 75% of earnings are going there only.

[@NeerajRaghavendra]

Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..

[@napoleanbonaparte9225]

Bro high risk , but congrats & hatsoff to ur guts.

[@m.ravikiran2243]

You are in the middle class trap. I don't see any better option than selling a 1.5cr house. Repay the complete loan amount and stay in luxury apartment for rent(you can show this in IT) . Rental yield is very less in andhra/telangana. Try to invest 80k sip in index mutual funds.

[@PSKR36]

Ataniki migiledi 8k unte next month nundi 15k ela invest chestadandi..

[@PersonalFinancebyChandu]

Next month tho , his personal loan will be completed. 10-12 thousand EMI free avutundi.

[@PSKR36]

@@PersonalFinancebyChandu makes sense

[@NeerajRaghavendra]

Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..

[@rararavi2020]

Is his wife’s income doesn’t play any role in planning finances.?

[@PersonalFinancebyChandu]

She is not working as of now. Hence there is no income.

[@NeerajRaghavendra]

Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..

[@sainathreddy1]

First bring his debts to controllable limits and then recommend future investments.

[@PersonalFinancebyChandu]

He did mention he is going to repay 40-50 lakhs of home loan from his real estate returns. He have a plan in mind.

[@pavansingh6316]

flat kondam anadhe waste flat tesukovadam rent nundi thapinchukovadam.

[@PersonalFinancebyChandu]

Buying a house is not only logical decision. We also need to consider emotions as well. But we always need to plan the EMI and monthly budgeting. Let's educate everyone on financial awareness.

[@bhushaiahvuppathala5279]

Invest in share market brooo....u can easily get money huge....

[@PersonalFinancebyChandu]

He started investing in mutual funds. I have set his SIPs and he invested some amount in stocks as well. Thanks Stay invested

[@SairamV17]

Sir sir please repky sir please please 🙏 help …. Actually 2weeks nundi online and youtube motham dandayatra chesanu because i have 5L money and i have 2 children’s … 2.5y and 5months old boys … vala future kosam 20y ki invest cheyali so please miru e video chepina MF names chepadi sir nen 1L each lumpsum chesta for now … future lo i will increase it but please sir athaniki chepina ah 5 stocks chepandi sir nen invest chesukunta ma kids kosam please

[@PersonalFinancebyChandu]

Give me some time. Will give you plan

[@SairamV17]

@@PersonalFinancebyChandu sure sir 👏🏻

[@PersonalFinancebyChandu]

Hello​ @SairamV17 , If it is me , I don't invest bulk amount in stocks and mutual funds. Put the 5 Lakhs amount in a FD where you can make flexi withdraws without any extra charges (Small finance banks usually provide higher returns up to 8%). Invest every month 20-30-40 thousand(your choice) and distribute it into (one Nifty 50,one Nifty next 50, one flexi cap, 2 small cap funds and two 2 mid cap funds). Also if you can find any good long term stock, you can invest in them as well. And as you mentioned it is for you kids, you can create a zerodha / Demat account for minors (I did it for my daughter) and I am transferring shares, ETFs and Mutual funds to my daughter account every month / Once in a while. please reach out to [e-mail] for any other detailed information.

[@SairamV17]

@@PersonalFinancebyChandu thank you sir for the suggestion 😀👏🏻

[@cvragrochemicals]

mundhu nenu high lo vundali rents ki antha pettamakandi farming land buy cheyandi for future thokkalo flats kis 1.5 crorw sudha waste

[@KiranKumar-ko2dq]

Manchi farm lands details bro

[@cvragrochemicals]

@@KiranKumar-ko2dq baya mi area lo oka 1/2 acre konukondi ipudu vijayawada amaravthi orr plan already vundhi orr lopala ekadaina konukondi future kosam manchi high lo vuntaru itu vuyyru ivathala kankipadu paina atu guntur jilla kaza tolgate deggara na idea

[@Lur232]

Invest in apartments in Bangalore

[@FirstNameLastName-lo6dg]

What a waste of money

[@alapatik]

6.4 interest rate eppudu undi?

[@PersonalFinancebyChandu]

Home loans are close to 6.6% in year 2021 December .

[@kprlandtechnologies5641]

Chandu why you are taking people from scratch in investments Take the people who are in middle of investments or take the people who are in fully investments Waste of time you educate the scratch content Moral --you giving same moral for every video for every different stories Thanks Bk

[@PersonalFinancebyChandu]

Sure . In the first three episodes, people started their investment journey. It will add value to their family in long term. But going forward, will include mix of people. If you are interested, please fill the form to participate in salary secrets.

[@kprlandtechnologies5641]

Sorry Chandu I live outside of India , am in advance level of investment

[@Nani12121]

Broo needi nadi okey kadha a)age :33 b) father police tried SI because of bifurcation joined in it C) salary also same D) 2 years baby E) kani nenu home buy cheyaledu brooo because 1.5 cr (50l apartment ki ekkuva ani na feeling,may be i'm wrong)

[@nreddyr9313]

True

[@PersonalFinancebyChandu]

Hope you have started investment journey(Mutual funds). Please subscribe for more information.

[@universalinformation572]

Made a good decision andi. Don't fall into EMI trap. IT jobs are not so dependent. Definitely not for 20-30 years. Invest and stay happy

[@FirstNameLastName-lo6dg]

Bro 30-40lakhs eh akkva bro. Considering average salary 3lpa.

[@sagark5032]

Onsite try chestunadu bro anduke anta cool ga unadu

[@kartheek200]

how do you know bro?

[@sagark5032]

@@kartheek200 bhayya salary lo 75% emi ke potunayi middle class vadu evarina risk chestada and house it self 1.5 anta think bro..

[@NeerajRaghavendra]

Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..

[@udaykrishna365]

Anna Nannu interview cheyandi

[@PersonalFinancebyChandu]

Please fill the form Uday for participating in Salary Secrets. We will reach out to you forms.gle/CnwHcWPRfBhLBqvH7

[@udaykrishna365]

Done👍 ​@@PersonalFinancebyChandu

[@manojreddy5901]

Sir please contact Canara Bank nearest branch you will get at 8.4 percent .you can save apprx 80000 per year

[@PersonalFinancebyChandu]

He mentioned he is reaching out to his bank for the loan interest reduction. But I will convey the Canara bank info to Swaroop

[@harishkd1]

Seems like his wife is also working he didn’t reveal ? ?

[@PersonalFinancebyChandu]

No. She used to work before marriage and she is not working now. I have met her and spoke for sometime. Swaroop is making his best efforts to control the expenses and he need a way forward in the financial markets.

[@NeerajRaghavendra]

Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..

[@pkumar0610]

Bhayya.. Last lo police ani cheppav chudu.. Adi mundu cheppuntey.. Inka bagaundedi

[@user1994gms]

You’re suggesting 5 sips with 15k pm which is wrong approach He needs to save as emergency expenses Nifty lo invest ani evadaina cheptadu which is wrong Worst suggestions istunaru meru Generic cases will not applicable for everyone

[@user1994gms]

School fee undi ani kuda u r asking to invest 80% of his remaining savings i.e, 15k Wrong approach First he need to work on increasing the income That’s the only way

[@PersonalFinancebyChandu]

Hello . Thank you for your inputs. I did suggest a variety of mutual funds to Swaroop (Nifty, Nifty Next 50, Flexi cap, Two small cap funds and two mid cap funds) along with fund names after thorough analysis . He is going to start his investment journey soon. Btw, His emergency fund is set in his Wife's account (Couldn't include it in video due to Audio/Video issues). Also on 15k investment(80%), He still have 5 years before his daughter joins any school. Always invest first and then spend the rest. When he invests 15k in a month, he is going to cutdown some expenses in Eating out, Shopping and others. I am really happy to see financial awareness.

[@monangipavan]

SS kanna mutual funds lo veyyadam chala melu

[@PersonalFinancebyChandu]

Return percentage lo mutual fund better. But Sukanya Samruddi lo money veseste , money maturity varaku withdraw cheyyalem. But MF lo easy ga tiseyachhu

[@ssk6494]

Brother.. mutual funds lo 12 percent per annum ​ ante per month 1 percent growth kadaa it's small bro ..i have invested in sbi small cap gave me return more than near about 40 percent in 1 year @@PersonalFinancebyChandu

[@ssk6494]

​@@PersonalFinancebyChandubut anni Mutual funds alaa ivvavu kadaa 12 percent

[@PersonalFinancebyChandu]

@@ssk6494 Minimum we can expect 12% if you invest in good mutual fund. Do proper analysis before taking a mutual fund

[@msg-qj4bs]

సాఫ్ట్వేర్. ఎవ్వడినా ఎంజాయ్ ఎంజాయ్ sat, sunday, girls tho extraas, pub, foreign tours,.. మీకేంద్రా anthaa kinda meeda, బలిసింవాళ్ళు

[@PersonalFinancebyChandu]

Please dont make degrading comments.

[@sainath4277]

Why don't you join and enjoy? Then you know how much enjoyment and struggle is there in any fields

[@PersonalFinancebyChandu]

It is not as easy as it looks. There will be 12-15 hours of work every day with lot of deadlines and targets. There will be lot of mental pressure for a software people.

[@hemanthkumarallam3894]

Pure Copay of Fix your Finace with Anshuman hindi channel....but not up to that mark. still needs more technicalities in finance. Try to watch fix your finance with Anshuma.... then you will know how to advice.

[@bmbharathh]

That anshuman guy copied from English show,doesn't matter as long as it's informative!!

[@PersonalFinancebyChandu]

Anushman ,Sharan and Warriko are the leading influencers and I agree I took inspiration from them. I want it to reach more telugu people. I also concentrate on personal finance , Stock market and Mutual fund analysis concepts as well.

[@Madmax1337x]

Chala mandiki guide chese valu leka career begining lo mistake chestunaru

[@PersonalFinancebyChandu]

Yes. I agree. I want everyone to take term insurance, health insurance in the beginning of career. Also starting investment is very important

[@rameshs8811]

30years tenure....nuvvu goppodivara bujji

[@PersonalFinancebyChandu]

He can reduce his tenure from 30 years to 15 years by repaying from real-estate returns. Taking 30 years is a strategy he took because he can generate 20-25% returns from real estate and his home loan interest is 9% only.

[@girishgold9226]

​@@PersonalFinancebyChandu which bank did he take home loan?

[@NeerajRaghavendra]

Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..

[@PersonalFinancebyChandu]

He might have other source of passive income but I saw their house. I spoke with his wife. I even saw his payslips. As I have mentioned in previous comments, he has very good family support.

[@NeerajRaghavendra]

If he has passive income from his other investments , that should not be ethical to hide such info to your audiences sir.

[@lakkireddyvijayabhaskarred9740]

How can I contact you chandu

[@PersonalFinancebyChandu]

Please send email at [e-mail] or DM me in instagram at instagram.com/personalfinancebychandu