Middle Class to Rich! | STRATEGIES to help you MAKE MONEY while you SLEEP! | Ankur Warikoo Hindi

[@warikoo]

Find the excel sheet, here: bit.ly/484Q3c2 My Money Apps: Indian Stock Investing (Zerodha): bit.ly/3iYKROh Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): bit.ly/3iYKROh US Stock Investing + Investment Tracking (INDMoney): bit.ly/3tT5moR Portfolio Investing (Smallcase): bit.ly/3u0is0I Corporate Bonds (Wint Wealth): bit.ly/3sbUI8c How to pick the right insurance (Ditto): bit.ly/3xFh7OU The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions. My bestselling books: 'Make EPIC Money' here: amzn.to/3WHJ43F ‘Get EPIC Shit Done’: amzn.to/4fK1IR5 ‘Do Epic Shit’: amzn.to/4fK9uuv My gear for shooting this video: 🎥 Sony a7III camera: bit.ly/3M42wAV 🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0 🎙 Shure SM7B Microphone: bit.ly/3O1NAVA 🔆 Fill Light 60W: bit.ly/37aJolP 💡 Key Light 150W: bit.ly/3O9nyjs 📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1 The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L.

[@atulambolkar2790]

Sir, not able to edit excel

[@Cellcrew73]

I am

[@prashantporwal9524]

excel sheet not able to ediit

[@jigarjoshi2754]

​@@atulambolkar2790If it opens in chrome than turn on desktop mode than click on file than make a copy it will open in Google sheet

[@aju32a]

not able to edit

[@Hemant_Pant]

Hi Ankur sir, I'm truly humbled by your mention of our podcast with Shubham. It means a lot to get recognition from someone as influential as you. Thank you for the boost and for supporting.

[@karthiksuresh5654]

Would appreciate if the video link is pinned down below. Though I managed to find it , acknowledging the original content is important.

[@NishantKumar-ep4hw]

Kha tha na phle chodkar aap hi jayege tu chale gaye bhai aap🙏

[@NishantKumar-ep4hw]

Majbori haa tabhi ye kar rha hu Varna............??????

[@ShawnArmstrong273]

Thank goodness you brought this up! Truly, investing has changed my perspective on how one can succeed in life; working multiple jobs isn't the optimal way to attain financial freedom and unfortunately, we discover this later in life. Currently earn as much as 10 grand weekly and this has improved my financial life. Great piece!..

[@adijkhady2840]

Wow, congratulations on your impressive investment success! Your discipline and focus on delayed gratification is truly inspiring. I'm curious, what are some of the key factors that you consider when making investment decisions? Do you have any tips for those of us who are just starting to dip our toes into the world of investing? Thanks for sharing your story!

[@Luna_Lockhardt]

Do you mind sharing info on the adviser who to assisted you? I'm 39 now and would love grow my portfolio and plan my retirement

[@Derrickdustin]

SARAH JENNIE DAVIS

[@Derrickdustin]

That’s my advisor.

[@RyanCole295]

Thanks, I just googled her I'm really impressed with her credentials. I reached out to her since I need all the assistance I can.

[@reshmak3800]

It's fascinating to see how the concept of financial independence varies from culture to culture. I've managed to achieve financial independence after spending a decade overseas before returning to India, but I find that societal norms here often frown upon stepping away from a conventional job, even if you're financially secure. The concept of taking breaks, semi-retirement, or complete retirement before a certain age is still seen as unusual or even irresponsible. It's an interesting cultural barrier that challenges the universal applicability of the FIRE (Financial Independence, Retire Early) movement.

[@Emily-le2op]

The idea of investing a significant sum of money may be both thrilling and intimidating. There is potential for considerable wealth increase with the correct strategy. How can one take advantage of compound interest and potentially grow your retirement savings/net-worth to about $750M over time?

[@kirtiverma4542]

30 ki age tak pahochne wali hu aur....income source decide tak ni hua...people r discussing about retirement at 30 😢😢😢😢

[@brarsaab83]

Did u decide yet?

[@kirtiverma4542]

@@brarsaab83 nah

[@SatsangMarag]

Not need😅

[@adityajain2300]

Krle bhai decide, kya confusion hai?

[@Mountaingirl-qi9om]

Same here

[@devrajbakshi8386]

I appreciate recently ur making very practical videos considering middle class challenges but showing practicality

[@fit.anik27]

Thank you Warikoo. In Sha Allah by using this method i don't have to work for money for my entire life . As I got a really superb Idea in my my mind.

[@AstaKristjan]

Investing in alternative income streams that are independent of the government should be the top priority for everyone right now. especially given the global economic crisis we are currently experiencing. Stocks, gold, silver, and virtual currencies are still attractive investments at the moment.

[@IrenaDolinsek]

Big moving stochastics are not the secret to high returns. It involves controlling risk in relation to reward. Putting on the proper size and spinning your edge as many times as required to achieve your objective. That is valid for both day trading and long-term investments.....

[@Erinmills98]

@@IrenaDolinsek I've been able to scale from $50K to $189k in this red season because my Financial Advisor figured out Defensive strategies which help portfolios be less vulnerable to market downturns.

[@simonbad]

@@Erinmills98 Who is your financial coach, do you mind hooking me up?

[@Erinmills98]

@@simonbad I happen to know Michelle Christine Parker, She has been my fin coach since 2018, no major losses has been recorded. Totally recommend her too.

[@simonbad]

@@Erinmills98 Thank you for this! Really appreciate.

[@nidhis9974]

Happy Teacher’s Day Ankur, thank you for all the teachings till date for all of us ❤

[@warikoo]

Thank you so much ☺️

[@muzammilashfaq830]

Very well explained. I am also working on passive income for my retirement before my 40s. Thank you

[@TrevorBastille]

In order to stay afloat in this current market. It is only smart to have a plan for your finances. I invest with a portfolio manager in the USA. The fixed income portion of your portfolio won’t simply serve as a buffer to the volatility of the equity portion but will generate legitimate income.

[@GlennMcBride1]

A lot of people downplay planners role, until burnt by their mistakes. I remember just after my layoff 3 years ago amidst covid outbreak. I had to stay afloat, hence researched for licensed fiduciary advisors. Thankfully, I came across someone of practical knowledge and decades of experience. My stagnant reserve fund of $225k has yielded nearly $1m after subsequent investments so far.

[@GlennMcBride1]

*After my extensive research, I settled with Finance guru Mr. Chris Ryan Stewart.*

[@GlennMcBride1]

His strategy is recession proof, more specifically profit-oriented and most likely you’ll find his basic information on the net. He is a very well know fund manager.

[@PetShmidt]

I’m very well inclined with Chris’s Platform. I have turned over more than half a million working with him on a very wide array of options and finally sticking to a few that have been favorable in the past 2 years.

[@StellaAlmiron]

Who is this investor you speak of? Does he have a contact?

[@lawrenceHart-ys2ct]

Putting well-earned money into the stock market can be over emphasized for first-time investors, unlike a bank where interest is sure thing! Well, basically times are uncertain, the market is out of control, and banks are gradually failing. I am working on a ballpark estimate of $5M for retirement, and I have a good 6-figure loaded up for this, could there be any opportunity for a boomer like me? I'm nearly 60.

[@merlinfitz]

Sincerely it's best to seek an advisor right now, unless you're canny yourself. As a business owner in both the service industry and eBay reseller of all product categories, I can tell you we’re in a deep recession and everyone is running out of money.

[@ChristopherHoward-kf7yk]

Very true, people downplay advisors role, until burnt by their mistakes. I remember just after my layoff early 2020 amidst covid outbreak, I needed to stay afloat, hence researched for license advisors. Thankfully, I came across someone of practical knowledge, and decades of experience, my stagnant reserve of $325K has yielded

[@lawrenceHart-ys2ct]

@@ChristopherHoward-kf7yk How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?

[@ChristopherHoward-kf7yk]

There are a lot of independent advisors you might look into. But i work with “Christine Ann Podgorny” and I have been working together for nearly four years, and she is excellent. You could proceed with her if she satisfies your discretion. I endorse her👍

[@lawrenceHart-ys2ct]

I curiously looked up Christine Ann Podgorny online and researched her accreditation. She seem very proficient, I wrote her detailing my Fin-market goals.

[@LightYagami-jq1yc]

It only works on paper, I think one should focus on increasing their income instead of early retirement, also keeping 50% of your NW unparked doesn't make sense. There would be huge one time expenses, education, healthcare etc. 12% return may be normal now, but later based on macroeconomic factors may get difficult to get. Inflation also needs to be factored in...

[@sarvveshh]

agree

[@damanpreetsinghpunjabi]

agreed. lot of miscalculation in video. inflation is not factored in. Major mistake is 1.5 cr after 12 years is not going to be sufficient as monthly expenses will not remain 50000. so multiply it with 25 will not give you 1.25.

[@rdx-ep9md]

​@@damanpreetsinghpunjabibro I have 10 lac what I do fd 7% or this nifty 50 which is better risky hota he kya ye nifty 50

[@cavishaljain7458]

Capital gain he forgot

[@damanpreetsinghpunjabi]

@@rdx-ep9md fd is not recommended bro due to taxes. Nifty 50 safe hai aur 12% historical returns hain

[@dibyanshusingh351]

It's very important video for those who intrested in how to achieve financial goal

[@maheshrao6433]

Middle class ko sabse jyada barabad karne me education system ka bahut bada haath he 😂😂

[@shipraporwal3856]

Exactly

[@Arjunsinh8055]

Right

[@TradeSphere-is3vo]

💯

[@stayconnectwithca3724]

It depends on degree that you have taken.

[@salauddinsaifi1763]

Right. 20 saal tak padhayi karo baap ke paise se. Phir 5 saal tak dhang ki naukri dekho aur baap ke tane suno. Phir shadi karke pariwaar ki zimmedari.

[@Upcoming_millionaire]

Sir, I’m following u since 1 year. I like ur videos. Baki sab thik hai lekin ye thoda jada ho gyaa. 20s ki age me 75% logon ko salary hi 30k hoti h… ground level pe bataya karo sir. Thanks.

[@obaidfarooqui55]

Very well -explained and that too in a medium which everyone understands. Ankur is a bonafide teacher!

[@coolm1977]

Many thanks for the video, inflation should also be considered cause 1 CR in 8 years will be much less in value. Average inflation, every year is 6% on average, so 12% return on index funds will be net 6%. To keep year return of 12%, one needs to get return of 18% to negate inflation.

[@saptorshimukherjee4304]

Interesting. I have taken your excel sheet , put in the same formulas, keeping my monthly expenditure 1 lakh /month and in next 5 years will built a corpus of 3.19 cr. And did the same calculations . It looked very promising like 1.66 lacs/month (2028-2035), 2.05 lacs/month (2036-2043) ,2.54 lacs/month (2052-2059),3.9 lacs/month (2060-2067) , 4.83 lacs/month (2068-2075) then i die at 94 years. But the i used couple of data with compounding inflation (7%-12%) for every 20 years period . And it was shocking. First data is if i use historical data. I have taken a family with single spouse and 2 children( children would be replaced by dependent parents after a period . So in 1940 ,₹10 /month . In 1960, ₹100/month. In 1980, ₹ 1000/month . In ₹ 2000, ₹ 10,000/month. In 2020, ₹ 1,00,000/month. So if anyone of you have read till this , here comes the scary part first we get the figures from historical data and if you check the inflation is calculated at 12.2% p.a through out the perio. So in 2040 , at the same rate we will need ₹10,00,000( 10 lacs)/ month ….and by 2060 , its ₹1,00,00,000( 1 Cr)/month. Yes it looks so stupid but think about it you are living 1940 needing only ₹ 100/ month , can you imagine that at 2020 you would require ₹1,00,000/month… no right. But that’s the fact…. For the skeptics inflation is not only the CPI or WPI that the government is showing , its also that with time we have stated buying lots of things , like mobile, laptops, iPads, buying more than one car, bikes, foreign trips, getting a pet, changing TVs every 2-3 years , impulsive online shopping.. All these add up to actual inflation… I hope these findings will give a new dimension to discussion

[@saptorshimukherjee4304]

I also welcome others adding to the discussion too. Together we might just find a workable solution

[@saptorshimukherjee4304]

One of the solutions could be to invest on a high return (15-18%) index fund. I will work with the various index fund and create various excel sheets for all you you to consider

[@praneethnaidu9620]

@@saptorshimukherjee4304 You''re right, I was wondering about what'll happen if we factor in Inflation. 12% seems high tbh but if we consider other factors like healthcare, transport etc, it seems correct.

[@saptorshimukherjee4304]

Also don’t just watch financial videos and forget it. Work out few excel sheets , do deeper research , use you own situations and analyse the working. I think the entire objective of Mr. Warikoo’s videos is not just entertainment of knowledge but to find your own Epic Shit.

[@chandrashekar013]

Yes the inflation would eat away most of the corpus.. but comparing today's rates with 1940,1970 might not hold good for future.. kindly check the FD rates before 1990 .. and check the same now.. the inflation will slow down as the economy matures..Doesn't mean it will just go in the downward there might few spikes here and there but overall trend will be inflation will be less than what it is today provided we mature as an economy

[@CRUNCHYTRAVELERS]

This is actually brilliant.. I calculated 20k monthly investment for 15 months. It will become 1 crore. Out of that 50 lakh divided by 8 years is approx 52k per month available spare and remaining 50 lakh invested furthed. Criteria is not just to invest 50k if not available. Lower amount as well could help get more later on .

[@sanstormunited]

Best line "Apne Akalmandi, soch and judgment ke saath ye decision le lijye!" 😁😁Thank you for this wonderful video

[@thevineetmishra226]

I am also on my Fire journey from few years and I follow mr money mustache who is the god father of FIRE concept.

[@YajurBawa]

A slight iteration to this- Once you do 50-50, barring some emergency fund, reinvest the expense bucket as well (in a safer index) and create an SWP plan for it. That ways, your money grows in both the buckets

[@SandeepNayak25]

I second this

[@religionofpeace782]

Better would be, don't do an swp. Instead redeem money for the total month whenever the market is at a high during the month. Setting a fixed swp date may withdraw money at a lower market level during the month.

[@amanchaturvedi6365]

I am doing SIPs but what is SWP?

[@jayantachakraborty4915]

@@amanchaturvedi6365 Systematic Withdrawal Plan

[@chetansamarth9035]

Systematic Withdrawal Plan@@amanchaturvedi6365

[@maheshdube1765]

सर आपने तो संदुक ही खोल दिया बहोत जबरदस्त

[@rexmagar544]

1 hour video into 13 min. ❤ Thank you sir. I can't invest such an amount but I'll start right away. Something is better than doing nothing. ❤

[@farhanm1886]

Hi Ankur, Thanks for this amazing video again. I am sure many people will get inspired by showing such facts for at least start saving and investing. I just want to request or may be want to ask you to please also consider the Income Tax always while giving such amazing tricks of savings and investments. I am sure the Income tax takes out a major chunk from our investment gains, so please consider the taxes in these calculations always so as to arrive at the net figures. Thank you!

[@byushaan]

Sir, also tell me about taxation on this income. This will give a better way to judge, nd also thanks for this wonderful information. 😊

[@4xtrading555]

Mene 22 se 38 tak time loss Kiya lekin abhi 39 se 49 tak me free. Thank you big brother

[@lakshnaramesh9733]

6:12 A retirement corpus of 1.60 Crores after 12 years will only worth 70L in todays term, considering medical expenses; "yearly once" travelling with friends or family if we calculate then this corpus we worth less than 45L is todays purchasing power, which i think is pretty less to even think of financially retiring after 12 years. If we start investing as Warikoo said @23 years y.o, which is a early phase, after 26-27 y.o we have to spend money on wedding; at the age 28-29 we have to spent a ton of money for our child (assuming 1 child conservatively), so there are still a lottt to add on before making any financial planning, not just income, expenses, savings, investment & annual expenses × 25 formula So forks, be a realistic person, avoid being soo optimistic everytime

[@prasadsheth]

And also house purchase. Assuming 75 L house with 20% Down-payment is 15L straight demand. To fill this void will take time to refill

[@pranavkalra3397]

Why is no one considering these points and conditions? It is absolutely crazy to see people blindly believing anyone today. Everyone, @lakshnaramesh9733 has described quite well here, try and be more aware and learn from reliable sources and people who know their subjects.

[@MrDumdon]

What he says is after having that money , you no longer work for money. You can do a job which you enjoy, rather than working in a job you hate and working only for money. If you are working in a job which you are enjoying and getting money also then no need to think about FIRE.

[@jaijagannath]

Inflation never going to touch more than 10% unless any war happens if your inflation go High index fund move faster than any salaried employees government or private Inflation is going High means ur spending in some company products that is going to rise company business and also return Another is kids marriage it's upto you how ur doing marriage if u want do marriage like Ambani kids then earn like Ambani Ok Once you reach 1.5cr 12 years at age 35-40 this is the very young age All star celebrity business u r following Ambani adani making money working more than u taking more dicision and managing whole nation They are thinking we have whole world money in their pockets even after their death Virat Kohli Ronaldo they have more money than you why they are not sleeping at home So why ur hesititang for doing work Work upon urself First investment is in ur self Highest returns u will not get from any stock market even u become Ambani having industry Make first investment upon your self that u should not complaint to work love your work . Work upon ur pschychology Thought process Diet . Do exercise Learn from book Do yoga

[@lakshnaramesh9733]

@@jaijagannath Man i just mentioned marriage expenses,just coz i mentioned that it doesn't mean we r speaking abt the celebraties type marriage expenses, we are taking a decent conservative marriage expense of 15,00,000, please say this is big one, you would agree with this if u r married & lives in metropolitan cities, if not agreeing i can confirm u live in outskirts or high dense forest like area, where marriage expenses can be covered under what i mentioned, and one more expense is child's education expenses which atleast cost somewhere b/w 1.5 lakh to 2 lakhs for 12th grade, which is growing at the avg rate of 15% per annum speed, & sudden medical expenses which can break ur entire corpus of 1.5 crs, even if you say insurance i won't agree with that, coz Warikoo didn't even mention insurance cover expenses of 15K × 3= 45,000 (Husband; wife & 1 child) and parent's insurance cover is extremely high which would cost around 30,000× 2 = 60,000 bare min (Father & mother) Taking abt inflation the inflation which the govt claim now is just like part of actual real inflation which would be min of 12-14% : Medical expenses: 14% CAGR in past 5 years; education expenses: 16% CAGR in past 5 years (Metropolitan cities), so inflation of 5.5-6% which govt is declaring now is NOT the real inflation, i don't think u r from finance background, i am from finance & economics background so i am familiar with all these terms, it's u who blindly believe in the inflation which is declared by govt without considering the actual expenses of what really undertaken in ground level.

[@Rahulkumar-oi9dq]

Sir, great respect for you!! Your video are always mindblowing!! Thanks for the great content as always

[@Bollywoodwater]

Excel sheets are best to understand the concept but sir u should make video on poverty trap and those who are struggling getting out of poverty 💰💰

[@sanjibchakrabortymotivation]

Thank you dear sir

[@mohdtabrezalamify]

This is good about you , you are honest n genuine

[@jollyllb6119]

Superb guidance Sir.. 🫡..

[@akshatsharma2064]

Real life does not work (cannot be calculated) on Excel sheets which follow petty arithmetic formulas, its very unpredictable and dynamic. I hope YT Finfluencers realise this some day.

[@xenon522]

True

[@darshankm1897]

Correct

[@TheCuriousCurator-Hindi]

He is making money making videos and he understands.

[@modellocomotiveworks2215]

He too understand this. Why don't think in alike manner while buying a smartphone, or anything which is out of one's means. Actually these are just excuses to avoid financial planning.

[@nitinborkar7319]

He has made a mention of that at the beginning of the video....what works for you might not suit me & like wise

[@MsJugunu]

I wish I had known this earlier. In my last 7 years of job, I have not saved or invested as much as I should😢. Going to change now

[@SuperRakeshsolanki]

Excel dekh kar lag rha hai me to marne ke bad bhi retired nahi ho skta 😂😂😂

[@madhulatagupta4318]

Very practical you said.

[@vipinvishwakarma-dl8jo]

7 janmo me bhi नही😂

[@rameshdalavi2060]

😂😂😂😂😂😅

[@sl.no-45.hons.aniketsantra25]

😂😂😂😂😂

[@shubh_ocean]

50k monthly SIP🫡 abey 50k salary nhi hoti middle class ki 😂😂🤣

[@pardaisilife3130]

Thank you so much I was really looking for this vedio

[@sandipankhan1994]

I am working for money but I am also enjoying this journey. I don't want this to stop. I don't want financial freedom too. I love more time for me which I get through my job presently. I save and also invest some part too. I am loving it. ❤

[@fightstressdepressionwithm3934]

You will feel a lot differently after few years. Time change people change opinion changes

[@rohit_rds]

Exactly nice reply

[@sandipankhan1994]

@@fightstressdepressionwithm3934 It is my opinion, if you love your job and workplace but don't care about what people will say or what will happen to me in future, you do what you love, then money is not a problem. That becomes secondary. Happiness comes from within and Financial Freedom cannot give you happiness. If that would have been so, there will be crores of people in our country happy because they already have that much amount of money to live a satisfactory life.

[@helloUser12373]

@@rohit_rds Please explain bro.

[@saurabhkant_official5226]

Kon sa aisa kaam kar Raha Bhai Jo Etna khush hai 😂😂😂

[@imanjohn9228]

Seek jesus christ 👑,the truth shall set everybody free

[@Godenru]

😂

[@vivekpmc1992]

And give all your savings to us , for you Jesus is there!!

[@neerajsaxena]

The influencer who preaches not to get influenced easily. Excellent video, everyone should follow the steps.

[@japsinphilip4608]

Hi Ankur.. what are the items in "expense"? Are these pure expenses like food, consumables, Maid payments, Children school and other expenses excluding the below? 1. Loan EMI 2. SIP 3. Tax saving investments 4. Rent

[@raj6818]

Same question

[@aizazahmad01]

Thank you for sharing this valuable information to all. Hope everyone will get benefitted from it. The only thing is I am thinking why to withdraw 50% money at once for the expenditure of 8 years. Instead, we can withdraw the money required for 1 year so that the remaining money keeps on growing.. next year again we can withdraw the money required for 1 year.... I think this way, money will multiply more and will generate greater number. Please put your thought @Ankur Warikoo sir.

[@h2hdecor876]

Sir ji es sheet me ek bahut he basic galti ki gai he.. 1st Mistake: Assumption that the expenses of 50K will remain same for next 25 Years 2nd Mistake: Assumption that the money value of 50K will remain same for next 25 years 3rd Mistake: There is no provision of any emergency fund for any XYZ emergency Agar aap enko consider karoge to at least 50K ko 10-15% ke rate se badhaoge for 25 years as you have to understand that when the time will pass, your family will also grow, you will have kids they have to go to school so 50K expenses will no longer be 50K, it can become 70,80,90K after 5 or 10 year.. forget about 25 year it can become double or triple by that time.

[@hs6910]

process pe focus karna hai mostly, hopefully the yearly hike would take care of bridging the expenses, and keeping us consistent with the amt we can and would invest. Similarly, the investment returns would also not be constant at 12% but we can always look at the spreadsheet, and keep changing the new income, new investment amount and look at the new year for our financial freedom. Ankur said ki ye spreadsheet pe work karega but not necessarily in real life, but we can keep it for an idea for what our financial freedom would look like

[@lakshnaramesh9733]

After 25 years if u consider average increase in retailers (WE) will be 14% (Currently), even if u consider 12% per annum increase in daily basis expenses. Calculating the price of a good which now worth 100rs will be approx 1980rs after 25 years assuming increase in price of goods & absolute necessaries to go up 12% per annum

[@vikasp5161]

7:36 amount available for spending per month keeps increasing in every 8 year cycle. Agree with you but it will require a video with more complicated withdrawal plan.

[@cavishaljain7458]

Capital gain tax he forgot

[@ramjigames]

The catch is to encourage saving and try to adopt a vision. If you have your own vision and know what you are doing. Maybe you would not be here.

[@priyansupanda4835]

taxations are not covered during rebalancing or selling. The calculation requires to estimate taxes for accurate investments. For example when 1.6 cr was withdrawn it will attract 10%+cess as income tax. When the 50% is kept for 8 years of expense, thus corpus is again attracts short term capital gains (on debt), which means it will be taxed at 20-30% tax rate. The rest invested on equity will also attract taxes. Its better to not sell and manage the funds by limited selling than just selling every 8 years. In this approach the funds will exhaust(by taxes or inflation) by 20 years horizon.

[@AshishGupta-fh9ne]

Hi Ankur, I have been following your videos to save and invest in India, One year back I moved to Canada and saving and investing is a little different here. I would really appreciate if you can cover few aspects of Investing in Canada or America in general. It would really help me and others like me.

[@rajpadaliya-sj4xt]

Very well explained…. However, i feel 8 years of SIP doesn’t make good money (no compound effect) Instead of splitting 50-50 after 8 years just wait for 15 years and get the best return. Of course depends on person to person (age, financial stability, life goals, ghar, children sabpe depend karta hai)

[@RyanContreras72]

I began my investment journey at the age of 33, primarily through hard work and dedication. I am to share that my passive income exceeded $100k in a single month for the first time. This success reinforces the importance of the advice mentioned earlier. It is not about achieving quick wealth, but rather ensuring long-term financial prosperity..

[@PhilSommer2]

Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields...

[@KatherineAnderson-lm8bw]

This is superb! Information, as a noob it gets quite to handle all of this and staying informed is a major cause, how do you go about this are you a pro investor?

[@RyanContreras72]

Through closely monitoring the performance of my portfolio, I have witnessed a remarkable growth of $500k in just the past two quarters. This experience has shed light on why experienced traders are able to generate substantial returns even in lesser-known markets. It is safe to say that this bold decision has been one of the most impactful choices I have made recently.

[@brittanynicolette9473]

wow that’s stirring! Do you mind connecting me to your advisor please. I desperately need one to diversified my portfolio.

[@RyanContreras72]

My advisor is *Nolan Velden Brent* , a renowned figure in his line of work. I recommend researching his credentials further. He has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

[@mitanshusharma5944]

Superb explanation, it would require lot of hard work to explain such financial aspects. Thanks a lot

[@shekhar436]

What about capital gain taxation ? there was no calculation/deduction for it in Excel ?

[@VivekShuklabiku]

Most of his content is purely focused on Optimistic approach not realistic ! Most of his content now is clikcbaity !

[@rahulsrivastava2817]

Ghuma fira k same video, kisi ko early retirement mile na mile Ankur sir ko jo chahiye wo mil gya

[@devkripabanerjee]

A huge fan of you sir. keep the good work up. One question hai what will be the tax implication and after dividing the corpus into 50: 50 the 50 % if we do an auto sweep and do an sip for 8 yrs will it be a good idea?

[@naeemkhan34344]

❤Lovely -salute from Pakistan 🇵🇰

[@Fz6769-j6p]

Meri toh salary hi 20k hai 😂 shayad 200 saal mai retire hojaunga mai 😂😂😂

[@payal425]

Same bro 😢

[@bikighosh2459]

😂 same to bro

[@rajarshibhattacharya5192]

bhai to jaake apni income badhao comment section me kyun apni loser giri dikha rhe ho😌

[@hhandy6566]

Bhai tu rehne de phir 😂😂

[@asfarw2vlogs367]

😂

[@tashilhamo6381]

Your videos are amazing.......our market and opportunities are very lesss... sad i cannot follow your instructiins despite having a very string desire and determination to do it....

[@mikaelrutherford1507]

If you wanna be successful, you must take responsibility for your emotions, not place the blame on others. In addition to making you feel more guilty about your faults, pointing the finger at others will only serve to increase your sense of personal accountability. There's always a risk in every investment, yet people still invest and succeed. You must look outward if you wanna be successful in life...

[@keyhuman]

U got new subscriber for being realistic. Thanks

[@Vihaan04]

Awesome video ❤❤, thankyou so much for explaining retirement in very simple way... 😊😊😊. I also want to take retirement from my 9am-6pm job early and work for my passion. I am 38 years of age now. Sir also answer my one question: how and from which platform we can start our Nifty MF SIP? - Sunny

[@ridetodestiny]

@warikoo 50-50 split jo monthly expenses ka part h uska hum SWP kare to jada beneficial hoga, expenses k lye monthly withdrawal + Plus return.

[@aasifsayyad1867]

Why u not retired yet???😢

[@confidencial5927]

😂

[@ShivamRajputttt]

Retired ho gya to logo ko chutiya bana kr apna course kaise sell karega 😂

[@aborsai1073]

@@ShivamRajputttttereko kya problem hai

[@waqasijaz4107]

Love from Pakistan ❤❤❤ this video was really informational.

[@rajashriekatpure7034]

Instead of 50-50% of using money and investing 50%for 8 years We can take out money for just one year like 50% usable money/8years =6.25% of total 100% retirement amount and rest again into investments. This way we will get more money.

[@MilkiyatRealEstateGuide]

You really did a supporting work to guide people.

[@06_alancherian46]

01:40 Retirement means not working for money 03:20 To achieve retirement income, one needs to save 25 times their annual expenses 05:00 Invest in Nifty 50 Index Mutual Fund for a safer and higher return on your investment 06:40 You can retire at an early age if you reach a certain amount of money 08:20 Create a sustainable income and corpus for future expenses. 10:00 Investing a part of your money can provide financial security for your entire life. 11:40 Invest in index mutual funds to generate a return of 12% for retirement income. 13:18 Start working for yourself, not for money.

[@theglobaltruthseeker]

This will work... till the market crashes and India goes into a recession. The fact that India will have a major recession after it becomes a major economy is also backed by data.

[@RajeshGaddipati]

Thank you for teaching this on the internet and not in college establishments.

[@PramriDesigns]

I use to see you in ads and keep on ignoring from last 2-3 years but first time I watched your video and watched this video till the end.. very informative..

[@PramriDesigns]

@WARlKO Sure :)

[@AshutoshYadav-rf4gq]

What about: 1) inflation post 12 years and leaving job? The 83k per month that time may not suffice for someone with 50k expenses right now. 2) nifty index 12% will keep falling as country develops. US index funds barely give 3-4%

[@nonexistenty4152]

Another amazing video by Sir Ankur 🙂🙏🏻☺️

[@kishank21]

Sir , plz mention income tax calculation along with your amount calculation for clarity

[@DeepeshDeomurari]

Few precautions - Mutual fund is NOT FD, In one recession - wealth will wipe out with more than half we seen in 2008, 2022 12% return is not guaranteed. You can't compare with India when people don't have bread and butter and got 12,14% return. It is just for one possibility. Today stock market is trading at 23-24 PE instead of long term average of 18 PE. So in short it is 35% more expensive triggering higher risk. I never seen just by systematic investment one became rich - that generation is yet to come. If you want to invest - wait for 3-4 months recession coming or not will be clear after US elections. Wait and watch.

[@karan9036]

Hi ankur, I think you need to consider 1. inflation as well, as the Compounding will be huge impact as per the duration. 2. investing harvesting for saving tax.

[@ishwarlalgurjar7396]

1 lakh salary केवल 0.1% लोग प्राप्त करते हैं sir इस पैसे से बच्चों की एजुकेशन,famaily treatment,house making, बच्चों की शादी, income tax, car लेना जैसे खर्चों में ही चला जाता हैं। और आप लोगों को काल्पनिक करोड़पति बना रहे हों। धन्य हो मिडिल क्लास करोड़पति देखा है कहीं।

[@rohittuli8908]

This is a very simplistic analysis. First of all there is inflation which you are ignoring. 12 percent returns is just 5-6 percent after inflation. If you spend 50k per month now in 10 years you’ll be spending 1 lakh per month. Yes salary is also gonna increase but you need a proper calculation for this. Also assuming your total expenses is just 12x your monthly expenses is totally wrong. You dont include trips, one time purchases etc in your monthly expenses and hence come up with a wrong figure.

[@NeerajSharma-ql8wh]

Kitna acha lghta hai ye sab excelsheet m realitY🥺

[@veenuv1803]

Ankur, nice simulation of finances however one important thing missing is the tax components which almost 30% to be negated..do share the calculation with taxes inbuilt

[@somnathrai8836]

These types of idea while listening sounds good but A to Disclaimer only you are reaponsible for unpredictble things.....

[@rsjmt2]

Sir aapka samjhane ka tarika bahut accha laga

[@pardeepkharb1710]

आपकी जितनी भी वीडियो आती है वह सब सैलरी वालों के लिए आती है कोई वीडियो किसानों के लिए भी बताइए जो इसकी फसल 6 महीने में आती है वह शेयर मार्केट में कितना इन्वेस्ट करें 4 या 5000 तक की एसआईपी कर सकते हैं

[@sumanari4116]

This is very simplified calculation.

[@hiteshmahawari]

Stunned.... Just stunned and amazed

[@ashokkumarmittal7251]

This only looks good on excel.

[@deception6666]

Sabse badi problem Ghr khareedna hi hoti h... It takes everything

[@IsmailKhan-eo6tz]

Sir after reaching 1.5 I heard inflation charges lagajaynge tab 50 lakhs hi ayngae

[@rahulsaxena4478]

Sir, expenses and tax will crop the return amount. Investor should aware about that before taking any decision. Well thanks for sharing your knowledge.. Kudose🎉

[@satyamktmboy9807]

Excellent & inspiring video dear....👋✌️😒👍👌💥💥💥💥

[@hometime9023]

Warikoo way to go for life👍

[@shantanugawade9121]

The catch is to make sure avoiding a significant life style upgrade. If we upgrade our life style more than our increment and inflation, that 25X or 30X amount will always increase and you'll never reach FIRE amount in the first place. I'm 29, working for 5 years and had reached 35% of FIRE amount last year but now after a year, I moved to a metro city, that 35% is reduced to 20% as expenses increased. So FIRE amount will increase as and when your expenses increase, so minimizing the expense and live life less large is the key to FIRE so that we shouldn't work for money anymore. Also, we should set FIRE goal considering the entire family than individual need. In my example, if I consider only myself, I have already reached FIRE but if I consider a family of 4, it reduces significantly.

[@MichaelScott69]

If you want to generate long term wealth and don't want to actively manage those funds. Just buy index funds and hold it. Simple, a growing economy will always go up. Good luck and don't underestimate the power of compounding.

[@kutub52]

Brilliant direction from this video

[@kishankalariya]

We have also responsibility called buying home which is around 60 lacs and car which cost 10l

[@sameersharma912]

I would suggest invest in PPF better than this. Secure and reliable. Take 3 ppf account 1.5 * 3 = 4.5 lakh per year After 15 years you would have around 1.22 Cr (min interest rate 7.1%) You will Yearly save on tax 45k in one account. Three persons 1.35 lakh saved.

[@rajdeepghosal4590]

Easy said than done Sir.. When you start from zero, you've a lot on your shoulders- house, car, marriage, kids.. savings dhire dhire kamta hi rehta hey..

[@arijeet87]

By the logic of investing continuously in index mutual fund with 12% CAGR, India will continuously grow for decades and centuries even after it is classified as a developed country. Ideally once India becomes developed, the returns will also be lower though inflation would also ideally reduce. My view was investing entire 50% of retirement corpus on index mutual fund may be supported by risk takers but for risk neutral and risk averse investors, a part of the investible amount must be mandatorily reinvested in less volatile fixed return generating assets.

[@Jayanthireddy-g9g]

Super explanation Ankur garu.I am fan of ur vedios

[@Satyamania]

Mind blowing superb awesome You are great sir …. 🙏

[@johnharbartduhlian6126]

Why don't someone buy dividend giving stocks and invest around 50 lakhs. It will give around 2.5- 3 lakhs quarterly, in a month 1 lakhs ho jaiga.

[@manojchoudhary948]

Sir please make a vedio. How much should we have Savings account and how will we manage own Bank Account with our savings and expenses.

[@altabrza8658]

Sir you have done a such amazing job by writing the book name DO EPIC SHIT. It is a amazing book for teenagers and even for middle age person. Thank you a lot 👍