Middle Class Must Stop Wasting Money on These 4 Things| Avoid Bankruptcy after Retirement

[@charulatabondre540]

खरच आहे 👌 👌 👌 practical असले पाहिजे

[@Valueaddition-Harshwardhan]

Dhanyawad atya

[@shahjishinde160]

Very good information everyone should implement, very good thought

[@Valueaddition-Harshwardhan]

Thank you for watching the video. Kindly subscribe and hit the bell icon if you liked the video.Do share the video with your friends and family. Have you ever thought that after your death how will your family know where have you invested all your hard earned money. Have you ever shared all the financial details with your spouse? Your family must know what insurances you have bought, how much money you have invested in shares and FDs. And the best way to share this information with your family is through DEATH FOLDER. In the video link given below, Harshwardhan explains how you can create your own DEATH FOLDER to make your family aware of all your wealth after your death. Hope you will appreciate the idea. Video link here : kzbin.info/www/bejne/bmfSnaatntRnjNE

[@ManoranjanJaiswal-w8n]

बहुत खूब सर जी,🫡🫡🫡🫡🫡👌👌👌👌👌👍👍👍 👍👍🙇🙇🙇🙇🙇🙏🏻🙏🏻🙏🏻🙏🏻🙏🏻

[@Valueaddition-Harshwardhan]

Dhnaywad sir

[@HealthyandWealthywithHemendraK]

Sir,all thoughts in this video are 100% accurate. This video will help us in future. We are waiting for new informational videos. Regards.

[@Valueaddition-Harshwardhan]

Thank you for watching the video. Kindly subscribe and hit the bell icon if you liked the video.Do share the video with your friends and family. Do you wish to generate regular income after retirement. Then I can tell you 4 ways to generate regular income. The video link below explains in details how you cansafely generate regular Income and also explains how to beat the inflation post retirement. Video link here: kzbin.info/www/bejne/i6eThqZniaamnK8 Hope you like the video.

[@chendhilkr5560]

Mr. Harshwardhan Ji, Your video is excellent, clearly highlighting four common financial mistakes of the Indian middle class: 1. Overspending on children's education. 2. Extravagant spending on marriages. 3. Investing heavily in properties beyond one’s needs. 4. Impulse purchases of branded items, often with loans. As someone nearing 58, I can relate to these points. Your insights on balancing education, marriage expenses, and prudent investments are invaluable. Avoiding unnecessary brand-based expenses is a lesson every family should adopt. Thank you for your practical, sincere suggestions-they add real value to life. Keep up the great work!

[@Valueaddition-Harshwardhan]

Thank you so much sir for the kind words. It was a really helpful feedback and it would definitely boost me to make more such videos. Do share with your friends and family if you found value in it.

[@Valueaddition-Harshwardhan]

Do you know that with respect to profit and loss in life, there can be 5 scenarios: 1) Big Profit 2) Small Profit 3) No loss no profit 4) Small Loss 5) Big Profit And all these scenarios have equal probability of 20% of happening in your life. So, the ultimate secret of become wealthy is to avoid Big Loss in life. Question is how to avoid Big Loss in life. The video link given below can help you avoid Big Loss in life. Hope you like the concept and implement in your life to get ultimate wealthy. Video link here: kzbin.info/www/bejne/g3WumaaAmb6dotE Thank you for watching the video.

[@Valueaddition-Harshwardhan]

Have you ever thought that after your death how will your family know where have you invested all your hard earned money. Have you ever shared all the financial details with your spouse? Your family must know what insurances you have bought, how much money you have invested in shares and FDs. And the best way to share this information with your family is through DEATH FOLDER. In the video link given below, Harshwardhan explains how you can create your own DEATH FOLDER to make your family aware of all your wealth after your death. Hope you will appreciate the idea. Video link here : kzbin.info/www/bejne/bmfSnaatntRnjNE

[@SourajitMajumdar]

Each of the words discussed here makes 100% sense...no disconnect❤...and also in economics there is a law stating law of diminishing return...after certain pt it doesn't add any value irrespective of how much money you are putting in..

[@Valueaddition-Harshwardhan]

Yes you right. Thank you for watching the video. Kindly subscribe and hit the bell icon if you liked the video.Do share the video with your friends and family. Do you wish to generate regular income after retirement. Then I can tell you 4 ways to generate regular income. The video link below explains in details how you cansafely generate regular Income and also explains how to beat the inflation post retirement. Video link here: kzbin.info/www/bejne/i6eThqZniaamnK8

[@sandeepkeche1225]

👌👌

[@Valueaddition-Harshwardhan]

Dhanyawad dada

[@abdulrahamankhan6536]

Mr.Harshawardhan you are great and your ideology on the 4 mistakes of middle class family very very great. You are too young to me because I am 67 yrs old. With peace of mind I have viewed and listened to your analysis, which is 200% correct. I wonder how you can analyze all these things in your age. I hope you are in 40s but your thinking and nalogy is in 70s. As far as I am concerned so far I haven't seen and heard the analogy and truth you revealed. This is a worthwhile vedio and I like it so much. I have been the viewer of your vlogs for the last 2 years pursuant to the Supreme Court Judgement regarding sanction higher pension to the retirees of PSUs. I haven't missed any of your vlog on higher pension. But this vlog is much interesting and educative and also interesting compared to them. With this I could understand that you are a good mannered person hailed from ritual family with noble thoughts. Please keep it up. God bless you. I am retiree of a PSU.

[@Valueaddition-Harshwardhan]

Thank you so much sir for the kind words. It was a really helpful feedback and it would definitely boost me to make more such videos. Do share with your friends and family if you found value in it.

[@Valueaddition-Harshwardhan]

Do you know that with respect to profit and loss in life, there can be 5 scenarios: 1) Big Profit 2) Small Profit 3) No loss no profit 4) Small Loss 5) Big Profit And all these scenarios have equal probability of 20% of happening in your life. So, the ultimate secret of become wealthy is to avoid Big Loss in life. Question is how to avoid Big Loss in life. The video link given below can help you avoid Big Loss in life. Hope you like the concept and implement in your life to get ultimate wealthy. Video link here: kzbin.info/www/bejne/g3WumaaAmb6dotE

[@gururajrao1867]

Higest loss making PSU , BSNL after retirement junior engineer getting pension of DA linked more than 65000 rs + 1000 rs monthly opd allowance that too four days before month end. Where as other prestigious profit making PSU employees after retirement pension Zero. Budgetary support of 13000 cr rs to BSNL with our EPFO money they are jealous & enjoying this is India🇮🇳

[@Valueaddition-Harshwardhan]

Thank you for watching the video. Kindly subscribe and hit the bell icon if liked the video.Do share the video with your friends and family. Do you know we are writing a petition to President of India to direct EPFO to start higher pension at the earliest. You can also join us in this initiative by filling this Google form. Harshwardhan explains why it's important to write to the President of India about higher pension and slow working of EPFO in the below given link. kzbin.info/www/bejne/bHSrlWWBp8hooNE Link for the google form is here. Kindly fill the form: forms.gle/UEmACS764FnbEjq26

[@abdulrahamankhan6536]

Dear Harshawardhanji, I am AR KHAN a retiree asking you one favor. Recently I got a lumpsum amount of Rs.20.00 L from out of the disposal of my property in my native place. I intend to put this money in mutual funds. Please suggest me few MFs in which I can invest my money for 2-3 yrs to get moderate returns compared to FDs. Please do suggest me ASAP.

[@Valueaddition-Harshwardhan]

Dear sir, I m not supposed to recommend any MF,but I would like to share the MFs where I have invested my money. You may take ur decision using ur own discretion. As u r a retired, plz invest max In large cap and only about 20% or so in midcap n small cap.as capital protection is very important Market may not give a good run up for next one year but over a 3-5 ur horizon one can expect a return in MF that beats the growth of nifty itself. Here are the MF where I m invested in. 1. Quant large and midcap fund 2. Kotak india contra EQ FUND 3. ICICI prudential blue chip fund 4. Jm financial flexicap fund 5. HDFC large and midcap 6.Nippon India large cap fun Currently market is in a dip and it's a good time to invest. This dip may continue for next 4-5 month.

[@Valueaddition-Harshwardhan]

Thank you for watching the video. Kindly subscribe and hit the bell icon if you liked the video.Do share the video with your friends and family. Have you ever thought that after your death how will your family know where have you invested all your hard earned money. Have you ever shared all the financial details with your spouse? Your family must know what insurances you have bought, how much money you have invested in shares and FDs. And the best way to share this information with your family is through DEATH FOLDER. In the video link given below, Harshwardhan explains how you can create your own DEATH FOLDER to make your family aware of all your wealth after your death. Hope you will appreciate the idea. Video link here : kzbin.info/www/bejne/bmfSnaatntRnjNE