10 Points To Focus To Create Financial Success - Age Group 35 To 45

#nri #nrimoneyclinic #financialplanning
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[@bobbysuzu5382]

1) Review the Last 10 Years of life 2) No excuse for savings and it is a must now 3) Hire a financial planner 4) Human Life Value (HLV) Term Insurance 5) Regularly visit Emergency Funds situation 6) Build the Retirement Corpus 7) Increase your earnings 8) Second Income earnings 9) Children's Education corpus 10) Buy a Home instead of renting

[@balakrishnan-ih5vd]

Thank u

[@bhanuchandrakarisetty9718]

Is the 10th one correct?

[@arvindahuja1996]

2bhk home costs nothing less than 1.8 to 2 crore in good suburbs of Mumbai ....buying a house is a big challenge for a middle class family

[@KPLBhambhu]

Thanks

[@bharathkumarr1378]

@@arvindahuja1996 Same in bengaluru, its costs not less than a crore. Its a biggest challenge for middle class.

[@tonysilke]

One lesson I've learnt from billionaires is to always put your money to work, and diversifying your investments. I'm planning to invest about $200k of my savings in stocks this year, and I hope I make profits.

[@Nernst96]

You are right. The best approach I feel is to diversify investments- by spreading investments across different asset classes like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.

[@PatrickLloyd-]

That makes sense. I’ve been using a financial market expert for two years now and I own a six-figure diversified portfolio from investing in stocks. I want to diversify more this year, though.

[@PhilipDunk]

I really want to get in with a financial advisor this year, especially as all markets are hitting highs. I don't want to be too optimistic and end up losing everything.

[@PatrickLloyd-]

'Amber Dawn Brummit' is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment.

[@PhilipDunk]

Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.

[@SureshotSuccessMantra]

You made understood as an elder brother of family who think good of his younger brother thank you sir❤

[@Ravishyam_Kumar_Ponnaganti]

🕉️🙏 Gurujii; aapke charnon ko kooti kooti pranaam.

[@rushikesh6432]

Thanks for valuable suggestions that definitely grow up our life..

[@travelfree5592]

I really appreciate sir for sharing valuable information. definitely ill be following steps to get better with my finances.

[@v.veeramuthu2846]

Incredible Inputs on all points

[@veereshdandavati7110]

Thanks a lot Dr Bhat sir.....🙏

[@Julian_1990]

Love from sri lanka🇱🇰. Great Advice. I got more ❤

[@ramakrishna-bf4ur]

Thank you sir giving such important message 🙏

[@Smithka_adda_]

For a common person. This looks very interesting but focus must be on priority

[@manishsinha84]

Great suggestions. Couple of things to add : i) Health Insurance - This is really important, as a health emergency can really dent into your savings. Don't rely on corporate health insurance (only) - get a personal health insurance for yourself and family (including parents if possible) ii) Prepare a will - Just to make sure your dependents do not have to run around and get hassled in case of your untimely demise. In case of conflicts within the family, that is even more important.

[@ankiindi2886]

Great points. Both of those.

[@Brajgamer]

Health insurance is a very big gamble in India. You may end up paying lakhs of rupees just to find out that insurer isn't ready to pay at the time of crisis.

[@dhairyasheel2601]

Very Nice personal Finance video. One more very important point, focus on paying off debts as early as possible. I am 36, and became debt free last month only

[@menatmars]

Fantastic, very much helpful points covered. I wish I could have got these points long back. On the path to implement some of these. Thank you very much Sir🙏😇

[@nideta1789]

Thanks a lot Dr Bhat for this wonderful message.

[@prashant720]

Insightful session

[@ayaanhaider666]

Thanks a lot Sir

[@kumarkanchanmunian6858]

Very very practical and reality guidance. Thanks Sir for helping us

[@vamsiharati3206]

What an honest advice .. not trying to sell “stuff” ..

[@DinaolTane]

Thank you for education/Advice!

[@supperawsomefamily3905]

This is a very elaborated way of planning. Thank you so much sir.

[@manojthakur-nn7hy]

thanks a lot sir 🙏 😊

[@dipikanitin5830]

What a clear and concise video with no beating around the bush. Every facet of a guy in early 30s covered. Kudos Sir.

[@NARESHKumar-qr4vb]

Reviewing the past which leads to success in next 10 years.

[@Palash_Mitra]

Thank you

[@RameshGBhat]

Crisp and clear! Very very informative Mr. Bhat sir!

[@dm5665]

Don't be deceived by a retirement age of 60 years. In the private sector it is 50 years or less. IT employees should think about retirement by 45. Beyond 45 years bonus. Plan accordingly.

[@Chaitanyarana446]

Well said

[@Dheeraj-hv7vi]

Right

[@Sld585]

💯 agree.. inflation and high taxes add to the challenge

[@sunmoon144]

By 45 we wont have enough ctc bro. How can we retire so early?

[@dm5665]

@@sunmoon144 you can't retire if you think after 40 years. Someone need to plan ahead and execute it. It requires dedication and effort and planning. When someone between 30-35 years can plan. Learn upskill(Own domain and finance domain ) and improve your income, buy insurance, gold, invest in MF, Stocks and buy land. Spend 30-40% your income. Keep expenditure in check. There is no free lunch which phase of life you want to enjoy and priorities there is no free lunch.

[@kirtisagarbaral3167]

10 point finacial advices: 1. see my video link in the description 2. See my another video 3. See my another video ... 10. See my another video😂😂😂 Anyway, thanks for all the good advices and the video links👍️

[@ramalingamsadasivan2835]

You are correct, i am learning financial planning myself and starting only flat fee financial planning next year. I am myself very secure so its only purpose is be a financial coach No selling of mfs.thats conflict of interest.

[@ramkrishnapatil6188]

Great to listen you sir we will use this 10 ka dam

[@kanagarajhse3412]

My self kanagaraj Chellasamy from tamilnadu working in Qatar. You are made great points for earning as well as savings

[@sahilfriendz2312]

Buy or rent a house is debatable & complicated subject as one important aspect is if u buy apart from rent ur property rates also increases

[@swapnamekkalki8068]

Excellent video Sir...Thank you so much

[@meghalchokshi5612]

Very helpful and practical framework.

[@venkaiahbayana189]

Your financial advises are very practical, useful. Thanks

[@hirensolanki1852]

Thank you for the video, I really appreciate your advice and will try to implement possible aspects.

[@urd3494]

Sir is it good to close home loan if we have the same amount invested ?

[@prashanthbelur169]

Equity is the only way to create the exponential wealth....... These financial planners never make anyone rich 😊

[@bhupenderpunia662]

Very inspiring video for us... thanks for sharing such valuable information without charges.

[@Be_your_self_bro]

NRI money clinic got me 😅😅😅

[@rizwanahilton]

😊 😊

[@adityakothari2350]

Great content indeed. Thanx for sharing and putting it so beautifully

[@ramkumarch1]

Sir, this is good video, I am in confusion and trouble, my age is 39 and need your desperate help on how to plan next years.

[@tneema]

Same expecting

[@kanagarajhse3412]

I am keep watching your videos since 15 months

[@gunnamadhuri312]

❤

[@nibubabu]

Very Informative !! Thanks Sir!!

[@Veronica.A.]

Im 47 and still working. It depends on individual circumstances too. But yes, for me it was between 30-40. After 40, it becomes challenging due to midlife.

[@prasannapoormavilla8187]

Thank you so much sir for the wonderful insights! Very very helpful sir ! 👍

[@sufyanallinone8046]

Và A

[@prosenmukherjee7797]

Sir,please create a Hindi show.

[@trp.Prashaanth]

Loved the cricket analogy sir, a set batsman and not to throw the wicket with silly mistakes:)

[@daljitsingh6498]

Appreciate your advice... thanks

[@RajagopalSankaranarayanan]

Great advice.. thank you so very much sir

[@vikramchougule4931]

Quality content video, Thank you sir

[@kriday6218]

Video starts from 01:50

[@ravitejacreations6573]

1 Review of Last 10Yeare of life. 2 Savings is a must now. 3 Appoint a financial planner 4 Insurence. 5 Emergency Funds 6 Retirement Corpus. 7 Increase your income. 8 Second Income 9 Children Education planning. 10 Home buying.

[@amolkakade7]

Thank you!

[@koustubhpatil8082]

Add time stamps for each point

[@gdasari8874]

Thank you ❤

[@basil800basil]

I think the number one topic should be "your health". Rest of the points should be followed after that.

[@tiscachip]

That's for losers

[@Rajtruevoice]

Great points. Thanks a lot sir

[@pranitbhaskarwar3186]

Will it be better to close the home loan early by depositing additional money in home loan account or invest this extra money in any other options such as MF, NPS, EPF etc?

[@NRIMoneyClinic]

Invest in mf

[@cutetwinzninit1484]

Beautiful message thanks sir

[@naveenchachra8204]

Now we are in age bracket of 45 to 55 with some saving plans...will need video for next 20 years . Though few points in this video are relevant and very useful👍

[@NRIMoneyClinic]

There is an exclusive video for age group 45 to 55 on this channel. Please watch and be guided

[@ashsri866]

But sir wat if the person struggled all the way and got married at 34 Due to COVID and other challenges if the person has lost job Struggled all the way from the debt How these kind of people can plan Most of the people who are earning low salary , lost job, married at 35 and no future opportunities

[@py3126]

Sir nicely earning at the age of 38 getting 25k MNC wife getting 12k in private school A police constable is 50k salary govt teacher getting 48k in our rajasthan what is nicely

[@juson4267]

Rule No.1 keep your money near you even if the return is low. Do NOT invest in real estate India. Very difficult to manage.

[@sibinair1333]

Hi am an NRI working in dubai. I have mutual fund sips and currently am sending the money from my dxb account to india for these sips. Am planning to divert my fd interests in nre account to meet my monthly sip payments instead of converting monthly aed to inr. I need your genuine opinion pls.

[@Sigma-Male1986]

Hello there. I went through your video. Infact many of these points lucky I have implied in life with the help of family. The biggest challenge what I am facing here is, that I am a drop out from pre-college, did a few jobs for about 10 yrs. From last 3 n half years I am into stock market investment , a little bit of trading , Gold investments and a pinch into crypto(because of lack of clarity) amd some property rental incomes. Being uneducated is such a huge barrier for me. 😢. Its not something I regret. But yeah making that second income(one of the points which you mentioned) looks entirely blank to me. Hope u can give some sort of advice on this issue.

[@NRIMoneyClinic]

There are videos to guide you on this channel. We will soon release one another video on fixed income . Thank you for suggesting

[@Sigma-Male1986]

@@NRIMoneyClinic Alright. Will look forward to it. Ty.

[@apoorvabahuguna]

Nothing glamourous but truth and facts stated very well. Start investing when you are in your early 30s , even if it is 5k per month . Invest in VPF even if it is 2-3 k more as you cannot withdraw it and later the power of compounding will increase your fund multifold

[@supriyakrsahu]

Thank you sir .

[@sujanpurja8911]

love the tips from nepal.

[@sethperker]

Can you please provide the link on your emergency fund build video ? I could not find.

[@uttamrai2869]

Very informative video thank you so much sir 🙏🙏

[@queenofpossibility325]

❤❤❤ Thanks very much

[@manojsahoo8051]

What is tha % on amount 18:31 ? That we need to invest /saving of My incomes amount.? Awating your advices pls.

[@panbalagan5554]

You are absolutely correct .. All the points are very relevant ..!!

[@mysterym2m]

Can NRIs have retirement plan in India? They work abroad.

[@pranavjagtap4339]

very well guidance sir, regards.

[@vvsprsad]

Great help 🙏

[@RoyalRajwadaPhotography]

thank you sir

[@devarajusampathirao6344]

Dear Sir, Your presentation was excellent. Thank you very much. I am in confuse whether I have to buy a plot or not. My doubt was cleared.

[@Ravicgsce]

Thank you sir. Every point is spot on. Banni Sirsi ge ondu awareness session madona.

[@NRIMoneyClinic]

Always welcome

[@NightMare-x72]

One word if a person have common-sense then he will do fine in life and career.

[@2021ak]

Please make detail video on dividend income stocks portfolio of 10 lakhs rupees investment.

[@ramakrishna1008]

I'm planning to take help from financial advisors but many of my friends are saying that most FPs will suggest investment options to earn more commissions & mislead, I'm confused 🤔, someone pls suggest a reliable FP.

[@jyotirmoybiswas1378]

You should try Mr Bhaben ,The art of wealth building.

[@goals4867]

Very useful video sir,thanks a lot

[@subbarao03]

Great suggestions sir.

[@Jacob-yn7dh]

how much money u are making in a year and what are your investments

[@NRIMoneyClinic]

What is the purpose of asking this question ? How does it impact you ?

[@Jacob-yn7dh]

@@NRIMoneyClinic just a curiosity and your advising people so how much you have investment...

[@abandoned2710]

This is only for mega cities like mumbai and chennai and banglore ...rest of the people can buy home instead of renting

[@janaksingh4953]

Sir new ho 2000 sip kiss fund m karu 10 saal k leye risk kam ho

[@rajakoley7727]

Very Useful Sir 🙏

[@natarajanravi6973]

Pease present for age band of 50-60 years. The previous video calls for a revision

[@NRIMoneyClinic]

Your suggestion is accepted. I will definitely do a video on this age band

[@c.v.venkatesancoimbatore4851]

Kindly place a video for age band of 60 and beyond also. Thanks

[@rakeshnair200]

Very helpful sir Am 35 and am going to plan accordingly

[@Sld585]

Great video 🎉🎉… very well structured content

[@yellenaresh5542]

Really useful infornation. Wonderful

[@jyshetty1]

Can you please make a video covering Tax on foreign income when NRI returning to India. 1. Many NRI’s have investment in US stocks and are not clear about tax implications on US capital gain after retuning to India. 2. Once we go back do we need to pay tax for every gain in US market? Or only when we remit the gain to India?

[@rashedulkhan774]

Nicely elaborated

[@tashanwelgama9455]

valuable advices

[@sharadjadhav8575]

Very Very Important Information... Thank you...

[@amgsrilanka]

Really interested to know.

[@monishthomasp]

Very good video sir.❤

[@JoseRODRIGUES-zb8qw]

You really have a great content. But, when I approached your team through whatapp I do not think they are helpful. Straight away they mentioned about investing of 50 k monthly SIP Or lump sum , without understanding your current circumstances.

[@NRIMoneyClinic]

They work with certain threshold to make things viable .. they will take views based on your best interest

[@letslearnsomethingnew4988]

Sir VERY NICE VIDEO...BUT HINDI ME EK VIDEO BANAO