10 Clever Personal Finance Rules you should know.

[@SantiagoWyatt-]

Buying stocks might seem easy, but picking the right one without a solid plan is tough. I've been trying to grow my $100K portfolio, but the tricky part is not having clear plans for when to buy and sell. Any tips on this would really help.

[@ChristopherAnthony-9]

The strategies are tough for average people. They're usually done well by experts with lots of skills and knowledge.

[@MateoLevi-]

@@ChristopherAnthony-9 I agree. From my own experience with an investment advisor, I've got $1 million in a diverse portfolio that's growing fast. It's not just about having money for stocks; you need to know your stuff, stay determined, and be resilient.

[@Richardnnabuikediyoke]

@@MateoLevi- Mind if I ask you to recommend this particular coach you using their service?

[@MateoLevi-]

@@Richardnnabuikediyoke Victoria Carmen Santaella is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@MaverickDylan-7]

@@MateoLevi- Thank you! I entered her full name into my browser, and her website came out on top. I filled her form and i hope she gets back to me soon.

[@isomaniac7850]

After watching your, Akshat's & Rachana's videos regarding finance - Few points that learned are as follows - 1) Take calcultated risk & manage & be responsible for your own money. Don't depend on anyone, not even your family. 2) If you want to buy anything, first earn 4x of that value & then spend or buy whatever you want to buy so that u will most probably buy only those things that really matters to u or you'll buy cheapest things which are available in the market. Basically its a win win for me. 3) first diversify your portfolio a bit & then concentrate to increase the value of portfolio in long term. Audience can add more points in the thread. 😊

[@Career.Money.Growth]

I watch your and Akshat's videos only

[@ankitdhakar1611]

Rules are always there but the most important is following it with consistency 🤗😌

[@kartikeya0]

Brother You can add more detail in term insurance that every age group are not eligible for the 20× life cover of their annual income. It depends on age and its rule is 18-35 age - 25× 36-40 age - 20× 41-50 age - 15× 51-55 age - 10× 56+ - 5× Of their annual income 😊

[@sobhit_sahu]

Sir apka video dekhne ke bad mai sapno me udne lagta hun aur need khulte hi wahi hota hun jata kal soya tha.

[@parmarmilan152]

To Bhai udte raho wese bhi jami pe Kuch nahi rakha 😂

[@ericmendels]

The S&P 500, if one sticks with it, outpaces inflation by many percentage points. I personally don't care about the inflation. I just want my money to keep outgrowing the inflation rate. That is why I'm looking for companies now to put in $80k for a start. Just don't know how to proceed

[@AddilynTuffin]

The rules are simple. Chose quality stocks and follow them up. If you're not one for such complexities, hire a wealth manager to grow your money. I use the latter. Pulled in more than $46k in the last two months alone.

[@kaylawood9053]

I agree with you. This is what I do too. I'm not cut out for financial reports and industry news, so I use a wealth manager. Profits have been very consistent.

[@albacus2400BC]

Hey, I've been looking to switch, but have been kind of relaxed about it. Could you recommend your wealth manager? I'll be happy to use some help.

[@kaylawood9053]

I work with “Kaitlin Rose Sternberg”. You could look her up yourself, if you want, she’s proficient

[@albacus2400BC]

Thank you. I just checked her out. She seems really proficient. I'll follow up with an email. Thanks for the lead.

[@deepshikha8180]

@Pranjal In 50:30:20 rule, you should have included that if our salary increases, we should focus on increasing percentage of investment rather than increasing our needs and wants. 😊 For example, If salary increases by 1L, we should allocate 50% (50K) of it towards investment, 30% (30K) towards wants, 20% (20K) towards needs.

[@ashishIMpro]

Well the problem with that logic is - would you be comfortable living life standard of someone earning 50K while you're earning 2Lakh? That's not practical. Person's share of want's will increase. e.g. EMI's for flats, cars, vacation abroad etc.

[@educationandlearn5325]

You are wrong 50 in needs 30 in wants and 20 in savings

[@deepshikha8180]

@@ashishIMpro Needs do not increase in same proportion as salary as they are the basic things we need for survival. Wants continues to be 30%. Increase your investments as you will have some extra money in hand.

[@deepshikha8180]

@@educationandlearn5325 Yes that is initial phase. Once you have extra money, your needs won’t jump by 50%. So split the extra income other way round- 50% savings, 30% still in wants and 20% in needs.

[@educationandlearn5325]

@@deepshikha8180 mem theoretically it's easy but in practical life it's much hard to invest or save this kind of percentage in today's inflation era

[@nitin_maxxx]

Sir I have to admit that the whole video is so insightful and useful but the last part of the video where you were saying that "these are just thumb rules and dont understand your situation and you've to consider your situation and act accordingly" this one...is very important and needed sir. This is the best part of the video.

[@triggerisonline]

For personal finance, most important is to keep a tab on the expenditures and know the difference between needs and wants. Most youngsters make such mistakes and miss out on the early years for the power of compounding.

[@RakeshSawant-nq8rl]

Gpp

[@DeepakKumar-fd9zk]

Good point, today I was thinking the same

[@GharWalaNonVeg]

Market me aapse bahut ache ache influencer hai jo free me educate karte hain. However, aapse ek dil ka connection ho gaya hain aur aapke har ek videos mujhe meri "mujhe sab kuch aa gaya ab" wali gamand ko tod deti hain aur jindagi me aage bahut kuch sikhne ko motivate karti hain.❤❤

[@TejasTharu]

For all the youngsters out there, customise your 50:30:20 as follows: 50% --> Investments 30% --> Needs 20% --> Wants It may sound impossible at the beginning, but trust me, after some time, you will be glad that you have opted this.

[@pravinjadhav8055]

why do you think you find it useful? My home loan EMI and Car EMI goes beyond 50% :)

[@Srkatariya93]

I think 70 percent in needs & wants and 30 % investment is good for yougsters

[@aniketbhagat2425]

@@Srkatariya93 Which youngster needs and wants 70% ?!

[@aniketbhagat2425]

Exactly, I have been following this for quite a while now.

[@ayanokoji42069]

@@aniketbhagat2425 depend karega uske work location and income pe, if his income jyada h toh obv 50-60% k aaspas m uske dono nikal jaayega

[@rahulpatidar5285]

The best thing you mentioned is... Sbka situation alg alg ho skta he, so decide as per your need.

[@sarthak_7]

Important point: Enjoy the life. There's no point in having immense wealth after 30-40 years by compromising your life and wants. In one of video Pranjal Sir explained it how some influencers keep talking that you should have invested in Royal Enfield rather than buying their motorcycle 25-30 years ago, without understanding that purchasing a bike back then made your life easier, which resulted in overall better work life balance.

[@aniketbhagat2425]

No one's telling anyone to compromise on their needs and wants before investing. As a person who started earning a meagre salary and yet was able to invest and roam across the country, party and buy things he liked, it's all about making financially smart decisions and understanding what's important. If by enjoying, you mean partying day and night and spending beyond your budget, and then saying I just have 20% to invest is IMO foolish. However, everyone is free to make their own choices.

[@sarthak_7]

@@aniketbhagat2425 nah nah there are many so called influencers on social media, who always keep this hype on. That is invest invest invest, create wealth, you did something wrong by not buying this 10 years ago etc. etc.

[@aniketbhagat2425]

@@sarthak_7 I don't know the context on what they are saying but if you invest today, invest what you can and not over you capabilities, plan your finances smartly, 10 years down the line, you wouldn't have to think, 'Oh I wish I had also invested 10 years ago'. Like I said, it's about making smart decisions. In the long run, everyone who invests in the index wins. What separates the big winners from the usual winners is who invested smartly and made slightly better decisions. It does not take away or look down upon people who are making small investements. Its about making the right investements with the fund you can afford to invest.

[@gracefullylivinglife]

​@aniketbhagat2425 heyyy can u please guide me on investment...where and how can I do it ...moreover what's your experience till now?

[@MariaGarcia-gv8hj]

Now I have more knowledge about personal finance, thanks to your channel, I just subscribed.Big ups to everyone working effortlessly trying to earn a living while building wealth in this recession. I’m 45 and my husband is 51, we are both retired, no debts. We are currently living a frugal and financially savvy lifestyle and generating passive income even during this recessionary period. Our commitment to saving and investing in the financial market has enabled us to maintain this lifestyle and continue earning monthly passively through investment.Traveling is now on our horizon, thanks to our financial choices.

[@laura2255]

Congratulations on your early retirement, Interesting indeed! Currently, I am in dire need of investment advice or tips. Earlier this year, I hesitated and failed to take any action until now. However, I am determined to try something new, as I am very receptive to various investment ideas. I want to be retired in my forties or fifties, I really wish I can achieve what you and your partner have achieved. I believe it will surely happen.

[@moonrise6276]

After watching your this video one thought came into my mind, which I would like to share, this kind of knowledge regarding our personal finance management must be taught in our school curriculum because I believe through this kind of knowledge our next generation can achieve their financial goals more profoundly and will also learn the value of hard earned money of their parents. To create a healthy economically strong society proper knowledge is very important. Thanks for sharing your knowledge.

[@mehulpandya6715]

The 50-30-20 rule is very useful. There are lots of tools for investment, like stocks, mutual funds etc., some have high liquidity, and some have low. Can you please make a video on how we can diversify our investment which is 20% of our salary, so that we can have enough liquid to help us out in tough times and enough debt, which can give high returns to secure a long-term future?

[@legendaryfoodie8243]

We love your advice started investing in medicaid family 👪 plan, wife's 10yrs regular income plan.. I will go for term plan

[@nileshsingla1058]

Great video to have a summary of finance! But one thing you must consider while telling about autoswep feature is, that they can end up making less interest than saving account also, if they withdraw and add big amount again and again. Rest was wonderful

[@gayatricasey6618]

Can u elaborate on this please

[@Soumyadeep_Pramanik]

apse last kuch months se bohot kuch sikh raha hu. mujhe ek line yad aa raha hai arijit sir ka pehle keuna mile hum kash ap school me hi mil jate Thank you sir

[@watsonhoward618]

Success seems to be connected with action. Successful people keep moving. They make Mistake but they don’t quit... As the economic crisis keep rising, we literally need to have different streams of income. The crypto and stock market has plenty opportunities to earn a decent Payouts with the right skills and proper Understanding of how the market works.

[@danielbrookes3797]

Yeah you're absolutely right..... Lots of people are still making massive profits from the stock and crypto market, all you really need is some relevant information and some professional advice. It is totally inappropriate for investors to stand by as they take dips during significant market diclinism

[@natashamirian1974]

@@danielbrookes3797 A good investment requires experience and knowledge to carry out a successful operation. Professionally, it is recommended to trade with experienced brokers, who can help you increase your profits while helping you learn the trade

[@danielbrookes3797]

Well I invest with a top trader Investor Ashton Edwards you might have heard of him.. I can correctly say he's the best top trader in the world, an investment advisor as his diversification skills are great, I say this because i see that in his results as my portfolio grows by averages of 25% to 35% on a weekly basis, unlike i can say for my IRA which has just been trudging along. my portfolio just mirrors what he place and not just on some particular industries of my choosing. He gave me that financial freedom I needed

[@filippeabreu4984]

@@danielbrookes3797 Honestly I really need help with learning how to trade. Seeing my portfolio low makes me very sad. Please do you mind sharing any means of reaching out to him easily?

[@danielbrookes3797]

@@filippeabreu4984 Investor Ashton Edwards. He's well researched. Just look him up on the internet, you'll find his personal website

[@ARUNKUMAR-ww4hd]

Sir sabse pahle to term insurance leni h ,then health insurance then emergency fund banana h ..jab ye sab ho jaye to fir income ko allocate karke investment start karni h ..maine esa hi kiya h aur maine dheere dheere sab kar liya h .. thanks sir

[@nikhiltiger]

Hi Pranjal...Great Video with good insights for beginners and experts...woh fintech influencers wali line "Paida hone ke pehle hi retire kar dein" was epic....Also I believe 25 x is a great guide line for making a retirement but one's individual situation like if you are married or married with kid , married with kids...etc & the kind of lifestyle you live will determine if 25x is good enough or will require more fine tuning... All in all a great video...Thank you

[@rushabhshah8297]

Debt Liquid fund is the answer to many financial problems and an underrated instrument for savings and anything liquid + good returns + Hedged + SIP and SWP.. Transactional costs are the only hindrance.

[@VirendraSingh-eq6nw]

Auto sweep krwane gya tha bank me SBI valo ne bola "lunch ke baad aana" 😢😂

[@dineshmohokar7443]

Lunch ke bad jana fhir 😂

[@PFdailyupdates]

​​@@dineshmohokar7443un logon ka lunch kabhi nahi khatam honge 😂😂😂

[@adityadehradun7985]

Auto sweep Bakwas hai😂

[@bablumali5113]

Same to Me

[@narendraram514]

😂😂😂😂

[@tdmgaming5618]

Sir aap bahot acha ho sab log video me 1sec ka disclaimer dete hai magar aap acha se pura explain karte hai ki kabhi kisi ka paise na Dube. Thanks 😊

[@akhilagarwal9062]

Informative Video Sir ! My suggestion is Emergency Fund should be increased . I think instead of keeping 6 X Expenses in energency Fund , it should be{6 X Salary} or {12 X Expenses (per month)} because any how emergency fund is also earning intrest (approx 6% auto sweep) and this will keep enough money for some medical emergency or to handle any unavoidable circumstance to be on a safer side.

[@parimalkumarshriwal2886]

Main 56 yrs kaa huin. Aajkal mai financial freedom ke baare main padh raha huin tatha ise apne jeevan mai apply bhi kar raha huin. Aapke dwara bataye gaye sabhi rules ki ek video maine Ujjwal Patani ki bhi suni hai. Aur mai use follow bhi kar raha huin. Aapney jo extra cover kiya jaise 3.3.3 rule, investment in nps, sovereign gold bond are really impressive. I will analyse my investment and try to adopt 3.3.3.rule. Thanks for giving such valuable information.

[@vasusahu1663]

Hey ! Mostly teenage students watch your videos and we don't have enough money in bank account and you said to opt for auto sweep but you have not told the disadvantages of autosweep that is Auto sweep accounts charge penalties for premature withdrawal of funds.we Teenage people suffers with this penalty 😔 you should tell disadvantage also about auto sweep

[@marketchlao24]

on karne se phele puch lena chayhe thaa bhai

[@Banzybanz]

Bola tha na, withdraw karne time FD break hogi and penalty lagegi. Teenagers don't even need any interest. Saving money is the important part. Ek basic se savings account me invest karo, with low or no minimum balance.

[@nikhilraj9524]

Yes.. we need a disadvantages video of sweep in FD. A lot of video is available but is not very much clear.

[@NdombasiMakanda]

It’s the best time to learn how to manage your finances no matter how much money in your bank account. Educate yourself about finances so you can manage your money wisely once you’re start earning…

[@RayMound-d4g]

Sbse phle maine ye rules warikoo sir ke channel pr dekha tha aaj pranjal sir ne revision kra diya

[@buntysdulani9685]

Hey Pranjal, The rules were awesome. But in the part of retirement there are types of FD which can be booked for a period of 10 years which offers guaranteed return of certain percentage more than savings balance and their interest payout can also be pre-decided for quarter or annually. So and yes the risk can also be diverted if a person opens FD to multiple Indian banks or more as depends with corpus. By this if any bank defaults too in that long duration investor will not loose his entire money as government provides maximum security of 5 Lakhs (As of now) . So by this, investors will earn more and also risk will also be minimised.

[@neerajnegi1265]

Pranjal sir . Lots of love ..in retirement plan you said in10lakh per month expense and then next few seconds your are saying 10lakh per year.. may be it was by mistake. But . I love your honest and genuine opinion one of the best financial educator

[@suphaldas7852]

Aap sahi ho sir ❤️ you are very honest 🙂 Every influencers only show up but you always tell us the Reality.. Salute to you sir 🙏

[@debjani0222]

One of my favourite videos of yours. The interest rate could be 4% , but is there a way to earn a little more interest post retirement yet keeping money safe

[@luis-gabriel1]

The stock market is and has always been the best place to make substantial income i still find myself pumping more funds into the stock market and trading aggressively. Away from all the distractions around, I still make huge profits from my investments.

[@-Pamela]

Agreed!! I’m a penny stock trader and I leverage on the volatility of the market for significant returns rather than holding and loosing value to the volatility of the market.

[@-Pamela]

@@Hoffmanluiz. The market is volatile at this time, hence I will suggest you get yourself a financial advisor that can provide you with entry and exist points on the shares, coins & ETF you focus on.

[@williamsdavis.]

Very true, I started investing before the pandemic and that same year I pulled a good profits of about 300k with no prior investing knowledge, basically all i did was seek guidance from an investment manager by name "Courtney Heath Williams". You can be passively involved with the aid of a professional.

[@williamsdavis.]

His available on telegam using the username information below..

[@williamsdavis.]

WHCOURTNEY.

[@ajayaarya._]

Sir aap bahut hi genuine person hal

[@jujuhuyu619]

Great video and very straightforward. I don't see any other perfect time for one to invest in crypto and trade than now. I don’t think that buy and hold is a valid investment strategy anymore but trading is worth it and you make more money when you trade correctly. You can start TODAY regardless of your age INVEST and change your future. When investing try to Engage in a more professional system of investment/trading with signal, which is a lot more profitable than other means anyone might use. Recently had family members ask me where to begin learning how to get started and Francine Duguay my investment advisor is perfect. Definitely recommend and her trade strategy works in every region. Very helpful for beginners. Using her method to trade has seen my portfolio grow drastically from 3.9BTC to now 13BTC, thanks, Francine.

[@jujuhuyu619]

@FRANCINEDUGUAY

[@jujuhuyu619]

She IS ON TELEGRAM.S...

[@jujuhuyu619]

she's active on TELEGRAMS with the name above

[@susanfulagrace]

Wow! I'm currently on my fourth peddle with Francine Duguay also. She's the best! the expertise of a crypto proficient who work in a registered crypto platform is what you need for making profits.

[@tesslee5555]

This is very impressive , meeting Francine Duguay has been a blessing , I never thought I would make so much profits in such a considerably brief period of time.

[@tumbaparamanik9557]

You are a real guru for finance, but please koi ek video k liye example hamesa koi ek fixed salary k hisab se hi kariye, thank you❤

[@himangdesai65]

Thumb rule for investment in my opinion - "IT SHOULDN'T AFFECT YOUR SLEEP AND MENTAL HEALTH."

[@prakashcreationphotography5325]

Thanks for this informative rules. Before this video i know only one rule of investment (50 - 30 - 20), but now i know bunch of rules about investment ❤

[@adeshkumar4640]

Hi Pranjal, for retirement - why should we keep it in savings account or FD, why not plan a SWP in mutual fund which is far better option (can expect atleast 10-12 returns).

[@AnimeshDas11]

My question too

[@somendrasarkar1653]

It's better to allocate in 30-50-20 in equity debt and gold. If you have 100% in equity, and corona virus like situation happens, market dips 40% and unlike this time it stays there for 3/4 month, each swp will hurt like hell, and if market doesn't rebounds quickly which may or may not happen, you will exhaust your money. So it's wise to keep your amount in debt, gold and equity and keep rebalancing. You can have swp arranged accordingly.

[@daigondnidoni1489]

Aap hamare liye Financial knowledge Guru ban gaye,Namaskaragalu..

[@rupaliverma1]

For retirement fund interest rate can be increased to 6-7% with auto sweep feature of saving account . So saving amount can be less

[@shashikant2873]

Gajab itna aacha content personal video ka ek jagah mil gaya nahi to ise Jan ne ke liye alag alag video dekhna padta tha

[@MrAmitakshay]

Sir AUTO SWIPE ke tax k baare me aapne nahi bataya ki iska tax aap jis tax slab me aate hai hu hisab se lagega jab ki saving account me 10000 ka interest deduction milta hai ❤ plz ise clear kare

[@AkshayNaik404]

Correct bro

[@RameshChandra-wh6ry]

Learn, Earn, Invest, Reinvest them Expenses. This best rule from my side.🙏

[@NoviceIndian]

Shankar Nath has covered most of these rules earlier. His is also a very good personal finance channel in KZbin. He has great insights regarding finance and investments.

[@genericstospecifics1856]

+1

[@anoopg95]

+1

[@PvR23451]

Thank God, following all rules. But Retirement wale corpus ka intzaam krna h abhi 😊

[@thepunisher3287]

you should have mentioned some rule for the tax saving too. that's the biggest problem almost all middle class are facing, biggest chunk on income first goes in income tax and then in education of our children. thankyou

[@shashikant5148]

Bhai in coming time, CG is going to abolish OLD TAX REGIME

[@asurakengan7173]

Tax is only going to increase, our country and the world has taken quiet some debt and printed a lot of money, and India can't distribute it's debt to other countries since no one trades in Rupee as of now. So basically taxes are going to increase a lot and since majority of the population in India is unemployed or falls in non-taxable category then again taxes are going to increase exponentially only on certain group of people - 20-30% slab groups. The only way to escape this is by changing your job to either freelancing or operating a business. Since government is promoting startups/businesses in today's time they are giving lots of ways to save(not evade) taxes. Otherwise you can always reinvest all your profits and give 0 taxes. You can also explore agriculture as it's still 0% taxable.

[@jojijohn233]

Very Good Financial Thumb Rules for common people .

[@Dubey7]

Some of these rules is in "Financial planning for middle income group" Book by SEBI

[@ankitdharsandiya8775]

Great mentor for financial planning for me. And I also feel protect from other fake people and plans.

[@jdeka01]

Sir, for retirement plan, you suggested keeping the money in a savings account only (which is generally 25 times of the annual expenses). But, I think we should consider *both savings accounts and FDs.* In case of FDs, the tenure should be 5 years, and in a ratio of 1:1. Let's discuss an example: A person who retires in his 60s and has annual expenses of 10 lakhs should divide their 2.5 crores as follows: 1.25 crores in a savings account. 1.25 crores in an FD. However, for the FD, he should invest 5 years earlier i.e., at the age of 55 and again he have to invest the principal amount of 1.25 crores after the completion of the tenure in another FD with better returns (security of his money is also important). If a person adopts this model, they will get better returns and be better equipped to beat inflation, as long as there are no major economic crises in the country.

[@adeshkumar4640]

Middle class cannot reach so easily to have 2.5 cr. in their savings account, And why should we keep it in savings account or FD, why not plan a SWP in mutual fund which is far better option (can expect atleast 10-12 returns)

[@jdeka01]

@@adeshkumar4640 you should care more about "risks" than "returns" in your 60s. And that's why FD and bonds are better option in that case.

[@AmirKhan-t5r6s]

Thank you for the video I found out personal finance information is very important in long term investments how to put the money step by step

[@Dubey7]

Financial planning process 1. Determine current financial situation 2. Develop your financial goals 3. Identify alternative course of action 4. Evaluate alternatives 5. Create and implement your financial action plan 6. Review and revise the financial plan

[@improvelivingandlearning]

Aik point zror add krna ap plz invest karo kahin b pr apnay legal heirs yani waris jin k liay ap kr rhay ho un ko b bta do kuch k yeh sb in case of any incident un ko kaise mil skta hai kai bar ghar k bray investment tu bohat krtay hain koi plot insurance etc but na documents miltay hain ghar walon ko ya koi benefits hope u understand my point

[@mrandydashing]

For the 50/30/20 rule You need to understand that the first two are maximum and the last one is minimum You need to spend maximum 50% and 30% on your needs and wants but you need to invest a minimum of 20%

[@aniketbhagat2425]

Living in your 20s should be as frugal as possible. I mostly follow the 30:20:50 rule of needs-wants-investements.

[@Kth-e9c]

​@@aniketbhagat2425 I am also trying to follow that sort of lifestyle brother😅 but it's very hard

[@aniketbhagat2425]

@@Kth-e9c I can understand, but if you cook your own food, spend money and use credit cards wisely and smartly, you can invest enough.

[@sukeshgiri5276]

I am preparing for all this things, you just revised my plan... Thank you..

[@AmanKumarSinhaOfficial]

*"Paida hone se pahale retire kar do"* was op😂😂😂

[@usersanjeevkumar]

🔥🔥😂😂

[@AdityaPrakashSinha]

🙃🙃

[@TheWebMathsOfficial]

Sahi baat hai.... 🌡️

[@amrishambep4247]

It is very difficult to find your mistake, but confidently we can say you are the best

[@ArjunPatel-cx4zm]

I want to say a one liner ... " Stock Markets are like a Weather, you may not like it but you have to bear it. " Saving a considerable amount from salary and investing it in good instruments can help you to become financially free as early as possible. Be humble and be patient, markets will reward you when the time will came. Thank you Pranjal Bhai and whole Finology team, you all are doing great efforts, Love you all 🤩♥️

[@Kumar-hw4ws]

Thanks Pranjal Jii...Aap Sandeep Maheswari ke show mein nahi aate toh aap ko jaan hi nhi pata Aaur sach mein bahot hi ache Videos banate ho...Real hai grounded level ke hai Aisa nhi ke hawa hawa kuch aise hi bak rahe ho. Aap Kosish karte ho ke Sach hi bolne kii...Yahi baat aap mein sabse acha haii Aaur ekk request hai Please make a video on Investment in Term Life Insurance only, who seems to be more reliable and who's not. And Thank You bhaiya ❤❤...Hope You'll read this and make a video

[@AmanKumarSinhaOfficial]

Pk bola.... *knowledge ka pitara khola....*

[@usersanjeevkumar]

OP 🔥🔥💯💯💯

[@AdityaPrakashSinha]

🙏🙏🙏

[@TheWebMathsOfficial]

💯💯💯🙏🙏🙏

[@priyanshujain7494]

The idea of giveaway is great. You learn through our comments and we learn through your book. Pranjal always thinks a win - win one ❤

[@dipyamanghosh927]

Main Rule: Personal Finance is very personal. So only follow those thumb rules that suits your conditions 😊

[@musicabcd4558]

Oho , Mujhe to pata hi nahi tha 😮😮🤭🤭🫢🫢🙀🙀

[@PRATHVIRAJMEENA-kz2hx]

Aap Dil say guide kartay pranjal bhai , aap k video se bahut sikha h , thanks bhai 💚

[@Giftkiel-ow8gj]

I always look up to you when it comes to financial lesson and advices. You are such a blessing to this community. Anyone who is not investing now is missing a tremendous opportunity. Imagine investing $1000 and receiving $4,200 in 5day. Analia Harlod is the best🇺🇸🇺🇸

[@kadiscout]

The truth with this recent economy, everyone needs more than their salary to be financially stable. The best thing to do with your money is to Invest it rightly.

[@Yesminjames]

Even with the economy recession and downtown, I'm so happy. I've been earning $9,500 return from my investment on short time, trading digital assets with Analia Harlod

[@jerrybright299]

I'm really interested in reaching her, my parents are suffering alot, can you refer me to her please???

[@annlouis9218]

​@@Yesminjameshow do I connect with her please?

[@Yesminjames]

Ms_Analia

[@manojkumarsahoo1163]

Hi bro Hope u r doing well Kuch logon ke multiple bank accounts, demat accounts, mutual funds, ulip plans(goal orientated), etc rakhe rehte hai Finance ko complex nahi, simple rakhna hai Logon ke jane ke baad unke family members ko bahut problem hota bcz unhe koi information hi nahi rehta

[@rmgokhale6081]

This is one of the best video of personal finance I have seen ever..Great job. If you could have considered "Tax Impact" also in this then it would have been nothing like it. Well done 👏 great job.

[@shivnarayankanwar5928]

Thank you sir You are like my elder brother giving me financial strategies..

[@himanshuvaishnav5895]

Sir es type ki videos ka pdf bhi de diya kro , pdf se in sabhi rules ko topic wise study kr skte hai Please es par ek baar sochna jarur ❤ and Thank you for giving us valueable content ❤

[@MrShivpal6]

Thankyou sir. You consistently do so many things for making our life better to best, but unfortunately we cannot do anything for you.

[@rashmisingh1278]

Hi Pranjal! I have been watching your videos and appreciate the effort and the spirit behind them. Thank you.

[@pulkitjain2539]

Hi Pranjal, You talked about life insurance 20X rule but you should also give your recommendation by showing some thumb rule formula for medical insurance also in the same video. This is what i think that you should include this but not present in this video.

[@saayakdas9316]

My humble opinion - you correctly mentioned what kind of corpus is needed for retirement planning, for instance say 2.5 crores. However that is what is required at PRESENT. So if I retire say after 20 years this 2.5 crores might actually be say 9 crores accounting for inflation. I feel you could also have emphasised this point with an example, in your otherwise wonderfully presented video. This would help someone to understand the actual corpus need when they are retiring and they can plan accordingly.

[@mahipalsinhrajput-r8n]

Bahut Acha sirji...... Youth inspiration ho ap aur idea bhi Utne hi ache late ho ❤

[@sabirahamed4100]

Sir app ka video sa bhohat kuch sikha na ko milta ha .you are jenius

[@ArunKumar-wt2sp]

Good video Pranjal. I have been reading lots of books on financial matters and reading wisdom of old financial wizards like Warren Buffet, Charlie munger, Peter lynch and Philip fisher . They talked about the same points. You have consolidated the points and presented in one video with good explanations. Keep it up.

[@kavitadjoshi]

I think 50- 30- 20 rule should be as 50 % expenses, 30 % long term investment and 20% goal based investment. This works well till person doesn't have too many responsibilities. Once responsibilities increase that time one may resort to 20 % long term investment , if necessary. But otherwise all other explanation was excellent. Thanks a lot !

[@prashantmehta3517]

I missed your show in kota rajasthan. But I always watch your video and informational content regarding Finance. You make best content, jo Modiji kabhi bhi aake nahi bolenge media ke saamne. Your content seriously will help millions of people in their life and also during crisis.

[@UnikkSharma]

These kinds of financial education must be taught in our academic years.

[@adeshkamble5197]

Thank you for your knowledge sir😊

[@sumanlal7504]

I watch ur videos.... it's really very good inspirational videos......we like it very much........

[@omcomputersalesservice3474]

bahot accha information hai,thanks.

[@pranaykanugo7297]

Good video but, what every influencer focuses on is they tell you save and save and invest. They never tell you you should work on earning more and more! I personally think Pranjal should had added a small sentence such as "Before all of this prioritise in Invest in your growth by learning new skills or invest in your business so that your annual income grows first to all who have just started till they have 5-6 years of work ex atleast" Pranjal himself have invested the most of his money on his own business growth.

[@SaniyaSachinm]

Thanks I got New KZbin Channel from this video to learn more knowledge and finance.

[@supersid1043]

50-30-20 rule is very useful. Other rules may not work in all type of income group. Need some more ideas for lower income groups.

[@equitygurukulbyas3766]

Sir, I hope & believe that you will give answer for my question. Sir as ye sab rule suanane mein to kafi acche lagate hai aur meine somehow ye rule apply bhi Kiya apne financial planning mein kuch had tak ye success bhi tha. But you know what as common problem CONSISTENCY is very imp for this. To sayad ye video ke sath agar ak psychology point bhi add karte to accha hota ki how to bring consistency every month for investment? So can u pls explain how to become consistency without fail? Thanks Jai hind jai bharat

[@thelalit00001]

Your videos are very helpful for understanding finance. Thanks sir very much for making such a valuable content.

[@maneeshsaklani677]

Invest first spend later ye nahi karna hai 13:35 pe aapne kaha hai this is the mistake in this video over-all amazing video and thank you sir for these rules of personal finance

[@Gopal_Ghodke]

Hi Pranjal, Your videos are very helpful for financial planning for me. Thanks for the best content. I would like to ask one question regarding the hundred minus age rule. For 100-age Rule, You said for example your age is 30 years. Then you should invest 70% in equity and 30% in other asset classes. Can you please explain which categories come under equity and which categories come under other asset classes?

[@kunalkapure2671]

Thanks sir for Giving clearty of personal finance.Aap to personal finance ke chanaky ho. 👌🙏👍

[@kcpatel10]

Wonderful video, I like all steps and I m following it. Thank You Very Much

[@nonajha7100]

Sir lower middle class family k log kaise invest kre apne future k liye....unke liye bhi kuch tips share kre

[@drvivekchhimpa871]

Life changing video❤

[@abhishekmore2978]

You should have considered one tax planning rule as it is an integral part of personal finance and me in my 20's would love to know more about it for my future planning.

[@armana6969]

Nexus ipo we want to know more about it...I really hopping you make a video on this topic... love you sir ji

[@bhekhlalmahto1673]

Thank you Sir.....

[@ashishghosh1087]

I am very happy... Your valuable videos are very good...

[@umeshvidyarthi]

Pranjal bhai aapki information he sabke liye gift hai

[@tarunbera9101]

Thank you very much Sir. Pehle pata nehi tha