Money Mistakes I made in my 20s you should avoid (save money using these personal finance tips)

[@KajolPhadnis]

Just wanted to share my regrets so you don't ❤ Please share any other mistakes you've experienced so the fam can learn too 💯

[@sanketjadhav3174]

LOVE THIS! Thank you so much Kajol! Super self-less of you to do this. Takes guts to talk about mistakes and lessons. we appreciate it SO MUCH!!!

[@KajolPhadnis]

Anytime - any more lessons you want hahahhaa actually feel like Aunty K

[@michaelmcguinness1462]

“Just to poop it out” 💩 😂 - I feel personally attacked that at mistake Kajol! I nearly ordered a lease car a while ago, but instead bought a second hand car. 1 month later, I was sent to work from home. I’m so thankful that I’m not stuck with a 3 year contracted lease car!

[@KajolPhadnis]

Me too Michael hahaha. Also thank god about the car! Never bought lease, always bought pre-owned but still, never used to think about resale value of a hybrid engine vs diesel 5 years ago...hybrid holds more of its value!

[@kamelelabouti2764]

I recently started my career out of university at a big4 company, and I've learned so much from your videos. There's so much value in them. I feel grateful that somebody somewhere in the world shares he's mistakes so that I can learn from them and take strategic decisions. I'd be happy to see more ! Thanks Kajol ;)

[@KajolPhadnis]

No thank you for watching!!

[@JWisdom]

Glad I got to watch this now before it was too late ⏰ great video 👌🏼

[@KajolPhadnis]

Speaking from the legend himself! Thanks so much xx

[@KiranKumarYT]

I recently joined Deloitte USI as an Analyst and waiting for my first paycheck. Planning on investing and saving up starting from my first salary. This video helped me a lot, thanks, Kajol. Ps: Need more personal finance videos!!

[@navedmaruf2565]

I absolutely loved this video. Would love to see a video on investing into stocks and shares for just general investing.

[@KajolPhadnis]

Defo will be doing one 👌 So many topics I just love speaking about haha

[@shafkatjawad]

@@KajolPhadnis Waiting for it :(

[@dangermouse2837]

Great vid Kajol, will take on these tips for the future!

[@SabbirKhan-vy6gp]

Hi Kajol! I just saw your post on LinkedIn and I can say that I have benefited so much from your videos, I managed to secure a grad scheme with Deloitte this year and that's largely due to you! So please keep up the videos, you are helping individuals like me and I am sure there are many more. Keep it up!

[@KajolPhadnis]

so happy it helped :)

[@TheShyam31]

Great point on social media influencing purchasing habits espc going beyond ones means!

[@KajolPhadnis]

thanks Shyam as always 😇 some bad habits haha

[@PatriciaSonia]

This is an excellent video and so needed for everyone. The earlier you start saving the more grateful you will be. Compound interest is your best friend. Please know though, that billionaires get to that stage by exploiting people. So don’t use them as a standard unless you want to add exploiting and profiting off other people’s labor to your goals. No judgement here, just establishing clarity. Know what lifestyle makes you happy, then you will know when you have enough money. If not, you will be constantly hustling for more and more.

[@KajolPhadnis]

The question I keep asking myself is when am I gonna be happy 😄 but yeah compound interest for the win!

[@user-eq6vf4tu7v]

Love this! Would love you to make some investing videos - especially etfs!

[@KajolPhadnis]

Coming soon! Thanks for watching :)

[@kelvinchuttur1127]

Great video! Interested to hear on your growth since and your investment strategies 👍

[@KajolPhadnis]

Will do 🥳

[@TheFalconSmash]

Thanks for being so open about your experience. I'm definitely going to put the information to use.

[@KajolPhadnis]

That's all I ask :)

[@notasdemy]

Great video! I would love to see one where you explain in detail how you got out of lifestyle creep!

[@KajolPhadnis]

defo will do this :) Thanks so much for watching x

[@chibuezefavour9738]

This is a great video it has a lot of value I appreciate you taking the time to make it

[@benedettaspadaro5741]

Thank you for sharing all your experiences! Would love to watch more videos about savings and investing!

[@KajolPhadnis]

defo coming soon :)

[@bal8914]

Great!! Video

[@shobhnanayak]

Oh god this is soo helpful! Thanks Kajol! ♥️

[@KajolPhadnis]

My pleasure 😊

[@vibhusharaval]

Love this video! Great content Kajol :)

[@KajolPhadnis]

Thank you so much Vibhusha!

[@phantomticker]

Great video, thanks Kajol.

[@KajolPhadnis]

anytime 😊 thanks for always watching my videos 💙

[@santosh3221]

Great video 👍🏾

[@citykeys3495]

Thanks for the tips . Am currently looking for a personal consultant

[@simranjeetkmann]

learnt a lot from this video, thanks Kajol!

[@KajolPhadnis]

Thanks for watching don 🥰

[@SohaibAshraf]

Credit is the devil - im convinced Klarna was made to make me go broke

[@KajolPhadnis]

Yo I feel attacked 😅🥺 me too

[@Jubair194]

Great video, keep it up!

[@KajolPhadnis]

Thanks Jubair :)

[@sydl3317]

Hi Kajol! Are you selling the Chanel purse still? I am obsessed with the pink color. Do you know what the exact name of that handbag is? I’ve been wanting to buy one designer handbag for years

[@Owaismh54]

Awesome!!

[@adamakbar2217]

How to invest would be a great video!

[@KajolPhadnis]

Coming soon!

[@MyNameIsShazaam]

Since I deleted Instagram my consumerism has dramatically dropped.

[@KajolPhadnis]

For me it's email newsletters - unsubscribed and now I don't get triggered

[@StabDab]

Make next one on intelligent investing!

[@KajolPhadnis]

I'll add that to the list :) growth or value hehe or just generally best things to invest in?

[@StabDab]

Keep it basic! You can even make a series. Them are never boring

[@sydl3317]

Thank you SO much for making this video. I just got my first full time job at a big 4 (fresh out of college), and I have been spending a lot of money lately. This made me think about my actions. The problem is I don’t know how to invest for retirement. What exact company do you go through - exa: TD Ameritrade or Schwab?

[@KajolPhadnis]

Are you based in the UK / USA? It depends on that and will share more

[@sydl3317]

Kajol Phadnis I’m based in the US. I want to start saving for retirement ASAP, but I just don’t know what company to go through.

[@arunjacob7927]

Great video! Big 4s have restrictions on external engaments. How did you manage to get approvals?

[@KajolPhadnis]

External engagements in what sense? KZbin or investing?

[@arunjacob7927]

KZbin. When you said multiple source of income I thought you had some other business ventures :)

[@KajolPhadnis]

Equities, property etc are all other sources of income. KZbin I've already got approval for :) Any other ventures we have e.g. startups we can get approval for as well

[@Devamsha]

The crypto one hurt my SOUL 😭 😭😭

[@KajolPhadnis]

Me too b me too

[@shaylendutt8836]

I had a question because you work for a big 4 and might know this is the difference in pay between management consultants and tax accountants at the big 4 hugely different ?

[@KajolPhadnis]

Yep as they sit in different service lines

[@shaylendutt8836]

@@KajolPhadnis are we talking 5-10k difference ? Also would you recommend going for safer summer internships to get something and then riskier grad schemes in Third year?

[@KajolPhadnis]

@@shaylendutt8836 yeah we are depends which country. Would say you'd regret doing something you don't like so.make sure you apply for what you like

[@shaylendutt8836]

@@KajolPhadnis I'm interested in both which means I kinda don't know which one I want to do. Generally are your consulting projects very short or quite long like 3 months? Also what sort of careers can you go into after consulting?

[@ashishalex10]

Top tier advice

[@KajolPhadnis]

🥰

[@simran_athwal]

please could you do a video on investing in bitcoin ?

[@KajolPhadnis]

will do :)

[@isaiah53.4]

Can't believe you sold the dip 🥴

[@KajolPhadnis]

Me too 😭😭😭😭😭😭

[@gowtham5437]

Hello Kajol, the video was enriched with great content. I have mailed you regarding thumbnail designer for this great channel.

[@anil2009]

I write comics to make money

[@vizpatel5287]

Great advice 👍🏼defo feel mistake 1 and 3

[@KajolPhadnis]

Number 3 was my worst 🥺

[@yogeshkale3117]

Hey Kajol, if possible please make a proper video about how to invest in early 20s which can give good returns after about 5-10 years in London.

[@moneeshreddy9791]

First view 😀

[@KajolPhadnis]

Legend

[@shopifyguy4782]

Tenth!

[@KajolPhadnis]

💙

[@thgki]

dayum sis - you make £100k?

[@KajolPhadnis]

I wish :(

[@thgki]

@@KajolPhadnis didn't you say 4% of your pension is 4k from the employer? Not tryna catch you out or anything but #quickmafzzzz

[@KajolPhadnis]

haha no so in my first year of my job - I put 8% in and my firm put 12% of my salary. So when I said 4k 'free cash' was the the payment by my firm i.e. 12% in the first year of my job :)

[@thgki]

@@KajolPhadnis ohhhhh I get you. Well thanks for being so open!

[@ahmediszair8316]

buy bitcoin

[@KajolPhadnis]

Mistake number 2