The SECRET Of Creating Wealth ft. UNICORN Startup Cred's Founder Kunal Shah - FO 1 | Raj Shamani

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In today’s episode of Figuring Out, Raj Shamani is in conversation with Kunal Shah. Kunal Shah is an angel investor, founder of CRED and previously founded FreeCharge. CRED is a members-only credit card bill payment rewards platform that incentives and rewards members for clearing their bills on time.
He has served as a part-time partner at Y Combinator and an advisor at Sequoia Capital.
Kunal dropped out of college to pursue his entrepreneurial journey. In this podcast we discussed why he dropped out of college, why female participation in the workspace is important for India, we also discuss the secret to creating wealth and how to get rich. Watch the podcast till the end to know complete details.
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🎧 Listen to Figuring Out Episode with Kunal Shah On Spotify: open.spotify.com/episode/3IVw...
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• Figuring Out With Raj ...
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Timestamps:
00:00 Introduction
03:38 Dropping out of college?
06:10 The curse of fame
09:00 The unlimited ways to create wealth
14:20 Spending time and money
18:45 Inspiration for your Businesses
23:30 Can India create billionaires?
26:00 Changing female participation in the workspace
28:00 Learning
29:40 Kunal's take on content creation
35:10 Kunal's reason to get into finance/making money?
38:50 Are Credit Cards bad?
41:15 Rapid fire with Kunal
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About Raj Shamani
Raj Shamani is an Entrepreneur at heart that explains his expertise in Business Content Creation & Public Speaking. He has delivered 200+ speeches in 26+ countries. Besides that, Raj is also an Angel Investor interested in crazy minds who are creating a sensation in the Fintech, FMCG, & passion economy space.
To Know More,
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#Podcast #FiguringOut #RajShamani
About Figuring Out
Figuring Out Podcast is a Candid Conversations University where Raj Shamani brings raw conversations with the Top 1% in India.

[@rajshamani]

Subscribe To Our Other KZbin Channels:- www.youtube.com/@rajshamaniclips www.youtube.com/@RajShamani.Shorts

[@SandeshPawar-ut4fp]

Jj

[@SandeshPawar-ut4fp]

Jkh ujh

[@SandeshPawar-ut4fp]

J

[@SandeshPawar-ut4fp]

In jj 😊

[@alikhakar22]

"People don't want to be rich. They want to become famous. They are interested in the goods you get by getting rich to show off. They are not interested in creating wealth! And the secret to getting wealthy is understanding human behaviour!" Gald to come across these two great gentlemen.

[@kunalkumar3591]

you are wrong

[@rajshamani]

🙌🙌Glad you liked it. Stay tuned for more such videos!!

[@kevinuc1514]

@@kunalkumar3591 +1

[@kishankave8213]

@@rajshamani Bhai ek advice hai editing mai na dono audio ko balance ker do yaar kunal shah ka aawaz jyada aa rha tha toh tumhara ek dum dhema tha, aawaz ek dum farate se honi chahiye viewers ko apna volume ghadi ghadi set karna pade would be annoying. Loved your work 🙌

[@denk5746]

@@kunalkumar3591 he is actually correct. People want to become rich so that they can afford those Loud Supercars, Flashy branded clothes, Foreign trips, Lavish appartments etc. They don't want to create wealth. They want to flaunt.

[@AbhishekKar]

Need second part.. btw Raj ne billionaire ko bhi employee wali feel dila di by interviewing😂Great job 👍

[@yathanshkothari5026]

Please you also come in this podcast @abhishek kar

[@prasadpatel6508]

Gyaan he waha , Kar sir Jaha (Sir our subscription list is same )

[@prathamagarwal8189]

yes one more with Kunal Shah

[@_let_me_check_338]

😂I thought he will say 'ok you're hired' 😬🤭

[@themandalorian4456]

Kunal is not yet a billionaire.

[@nalinmundeja4957]

"All of us are the same people in different levels of our journey" - This is just pure wisdom.

[@dr.manojpatil8289]

We need to adopt imbibe in society we are same as mankind so why we distinguished unnecessarily

[@yog7847]

When Mr. Kunal shared How to research.. I remembered, the same way I started in 2012 & my whole learning journey always remained like this only.. Its fun to learn like this.. Always empowering & also a space for Solitude. No compulsive process but a Conscious One.

[@Pushpendervirat002]

Best podcast ever.... First time raj shamani ke pass kuch nh tha bolne ko..... Aur kunal shah sir hats off Itna contenr week lagega digest krne me....

[@cryptoguy7314]

"You want to be rich and anonymous, not poor and famous." NAVAL

[@HarmonicaShala]

This podcast is worth watching multiple times over. Every time you listen to it, you will get a new insight. Every word spoken takes a lot of time to sink in. But worth the time spent if we can implement even a few pointers which Kunal gave. ❤️

[@MandhanAcademy]

43:18 😄 Most Imp Question

[@realclear6474]

Ty bro

[@deathgodgaming4788]

thx

[@VikasLodh]

😂

[@parabsarveshsanjaysneha9657]

Kunal is so genius, if podcast is of 2hrs then also I can't get bored❤

[@shravanhegde741]

Same here

[@rajshamani]

True!! He is an amazing person. You get to learn so much from him!

[@anandmashatte1397]

Just amazing man, after a long time I watched a video on normal speed, That to 40+ minutes😍

[@surmohonabd7497]

্

[@surmohonabd7497]

ুট

[@AbhidevVaishnav]

I love how smoothly Kunal Shah talks about the simple mindset shift that we all need!

[@rajshamani]

💯💯

[@shivinunitholi2493]

Here comes the emerging KZbinr in freelancing! My boy - Abhidev

[@AbhidevVaishnav]

@@shivinunitholi2493 Hey Shivin!! Thanks :)

[@evergreen7781]

Why it is so addictive to listen to him everytime ??? After watching so many of his interviews also, the mind blowing perspectives he brings to the table is unbelievable ❤️

[@shivinunitholi2493]

Its addictive coz he throws truth bombs in every single talk of his. The man doesnt mince his words at all.

[@evergreen7781]

@@shivinunitholi2493 Exactly 💯

[@divyaprayasswain]

Kunal Ji has different level of observance. Did anyone notice how frequently he gives examples & stories when he's describing about some concept; by doing this he's definitely cartering a large mass as they would get the concepts instantly rather than googling stuffs. This is just lit execution bruhh ✨ "Biggest thing to be cool is to really understand stuffs"- Kunal Shah 🙌

[@hiteshdua3746]

It's just flowed so well. 45 mins looked only like 5 mins. Would love to hear up to 2-3 hours at least. Kunal has so much depth and insights.

[@rajshamani]

💯💯 He is amazing. Glad you liked it!

[@tanmaym344]

The intro was Perfect. Great sound design - Told what is the purpose of starting this - why you should watch this = Hook and the important thing which is the meaning or the intention which connects to the user And the Best thing which is the Tag line “FIGURING OUT”

[@pawangadgil61]

Out of most of the Podcasts of Mr. Raj, I found this one where I can feel he's finding difficult to find words. But I'm thankful for it. You didn't disturb the flow of Kunal, he let him say what he wanted to say without any interruption. This is a great video.! ♥️

[@lonestoryteller5430]

This is one of the few podcasts that I have seen entirely. Kunal has always been my favorite among all founders because of his philosophical approach towards people and business. He said 'you can't be rich without understanding human behavior.' This is so true and applies on every single aspect of life to do good. Whether it's wealth Creation or relationships. This is universal as far as it is concerned with humans.

[@reubenvarghese1228]

spotify pe pehle hi sun liya❤ bring him once again man the guy is 💯

[@Pratiksawant1964]

Bhai free me suna kya

[@reubenvarghese1228]

@@Pratiksawant1964 haan bhai podcast toh shaayad free hi hote hain saare

[@divyanshidarshana3352]

Seriouslyyy broo....🔥🔥

[@rohitashwapratapsingh142]

@@divyanshidarshana3352 yeahh😌

[@omeshwar2025]

I love Kunal's way of handling with different situations & his thinking and try to watch most of his video.

[@syedsuhail4736]

Be thankful that this content is free because it's value is of crores.... Thank you kunal shah... ❤❤

[@raghavlaad9831]

Raj shaking his body every time Kunal came up with killer answers shows that he experienced fascination and excitement running through his veins like all of us. Make a list of 1000 smartest people in India, Kunal will definitely be there.

[@omchaitanyahaval1149]

One of the greatest podcast and learn some things from Kunal Shah his journey has also been inspiration and his way of speaking is very humble and calm.

[@rajshamani]

Glad you liked it!

[@ProSunnySharma]

Hey, thanks for this Podcast. It's lovely! Wonderful learnings from Kunal: - because we do not know something it turns into fear and hatred. - Loans are not a bad thing. wealth is created mostly by taking loans. Big companies do take loans. - We should talk about money to create the connect. We talk less about it around and hence do not know much how it flows. - Solutions to people problems are the Key to create weath. - Two types of investments we make everyday - Money and Time. Time is the most precious. Thanks, Kunal. I learn from all of your interviews. Thanks for sharing so much of practical lessons from life. #Respect.

[@parassharma3960]

Thank you Raj Shamani, for making available intellect/perspective of these gem of people. We could not have get chance to see these people in life time...

[@noobrohitoo7]

WoW never watched a podcast like this. I just gained a lot of knowledge, which were never taught in our schools, it was like a rainfall of knowledge... Loved it !! ♥️♥️

[@pratikjoshi9836]

Kunal Shah Sir and his conversations are Turu Love ❤️ His Podcasts are just like Dopamine to me

[@rajshamani]

💯💯

[@samsen7434]

Finally!! I was waiting for this Podcast.🙌 Had listened this on Spotify ✨✨. Thank u Raj for bringing one of the most intellectual person on the Podcast. Hope u will bring more people in spotlight ❤️

[@rajshamani]

Glad you liked it! Coming up with more such content. Stay tuned🔥

[@OmSingh-bl6wl]

@@rajshamani Bring him again its been 8 months

[@amitranjan7111]

One line to define a part about Kunal . He's a great observer. Just loving your podcast Raj. Very very insightful.

[@manasasb536]

I have my final round at CRED tomorrow for internship. if the interviewer asks why do you want to work at CRED? me:(copy paste kunal shah sir's answer) Because i want to work with people who are better than me , i believe that CRED is a place where i can meet smart people and improve myself.

[@sachinbhati3477]

Hey are you there?!

[@abhishekarya5646]

Yes she is here

[@ashishkchoudhary7810]

Ohhh my god, it was so damn good. I have watched almost all the videos of Kunal on yt but never saw him laughing. I loved it

[@nimishamodi04]

Such a wise man! 🙂 This was so insightful 🔥

[@cfm3086]

kzbin.info/www/bejne/rWetq6yqi9mjiM0

[@dheerajmishra4946]

Just because of this episode I subscribed you man, I love watching kunal and his thought provoking ideas , discussions and clear thinking.

[@oms8513]

everyone has summed up the goodness of the podcast, i just feedback about the set up. Raj, you should just speak a bit close to the mic

[@premsaivittal2030]

Thanks, a lot #RajShamani sir for asking questions that I am curious about, on my behalf! Really I learned some great things from your podcast!

[@AksBoutique]

4:14 People who aren’t watching this are missing on a lot of things. You learn something new every time you hear Kunal Shah. Thank you Mr Raj for this. Great podcast!

[@ShivamChhuneja]

Great conversation guys! Kunal's philosophical way of thinking shines through every single time

[@mudrapatel3535]

Raj this seems day 1 and figuring out will be a podcast in history. Thanks for this treat of accessing the mind of Kunal shah

[@djdecence]

The way Kunal sir was giving examples, I was like: boom , it's just changed my whole mindset about , human needs, how social media control human brains ,etc.etc. I think it's the first time I'm commenting on someone's KZbin video , love your content , Raj sir ♡

[@arpadatta]

Such transparent and osmotic understanding about his life and zillion experiences he put him through. Thanks Raj for this conversation!!👍

[@ronitdoshi4093]

Woww what a podcast definitely one of the best I have ever seen . Kunal Shah Sir is such an inspiration really looking forward to execute these traits at the earliest

[@shubhambansal8794]

Caution - This Podcast is filled with a huge amount of Gyaan, and has the power to change your mindset. Watch it at your own risk.

[@rajshamani]

🙌 🙌 🙌 Thanks man!

[@yog7847]

No bro.. This video dont have a power to Set the Mind. But has a power to Open-mind. ❤ my one of the currency - Time is used well here. Thank u Raj shamani for this podcast.

[@shuvosarkhel]

This is called hige quality content Wow keep inspiring us Raj 😍😍😍

[@muhammadchoudhry3192]

kunal is full of dept knowledge and he is understand indian people mindset ... really goood contant 👍

[@ishanraj1022]

Kya gazab bande hain yaar ye dono, inn dono ki pappi le lo yaar. He creates good podcasts but this one is literally so seamless and power packed! :*

[@nishitajain8925]

Let me say, this was one of the most insightful session I saw till the date.Thanks alot Raj for having Kunal Shah. 🔥

[@cfm3086]

kzbin.info/www/bejne/rWetq6yqi9mjiM0

[@subhadippal7889]

Such a great podcast.. Kunal Shah always give something new whenever he talks.

[@jaydeepsinhdodiya3134]

Where there is Kunal Shah, there is constant flow of Knowledge (Gyan).. Thanks for this.

[@jyotikarajput3786]

Brilliant podcast! :) Thank you dear Raj & Kunal! Loved the Q&A in the end :)

[@shivanggoyal3431]

seriously !!!! this is the best thing my eyes have ever seen my ears have ever listened !!! i cant control my emotions right now so much value provided !!! thank you so so much kunal and raj for this wonderful gift i will never forget!!!

[@rajshamani]

🙌 🙌This means a lot. Thank you for all the support.

[@abhishekviradiya258]

The best Podcast ever I have listened...Simply great..I just love this man after few thoughts of him..

[@moneymatters2956]

This is more insightful of knowing things how they work, the way Kunal is putting things with examples are wonderful. I watched this video without a pause. I was really curious to hear every word of the podcast.

[@sahilsheshank3474]

I can't count the number of times i revinded many of the points spoken by him..he is a true gem and an ocean full of knowledge and ideas .. the curiosity to know him more is getting increased exponentially ❤️

[@rakeshcharpe4478]

This is one of the best podcast I have ever seen such a mind changing thoughts in whole video at every point of time it like ya we even thought about that We have to think about such things seriously ,Thanks #RajShamani sir we wants more such podcasts

[@prajwalshingurkar3308]

I think about economics the same way Kunal does!! Since I was in 10th grade I think the financial literacy or you can say ECONOMICS as a subject is as important as MATHEMATICS and SCIENCE... Great podcast mann, hats off, I even shared it with some of my friends ❤️❤️

[@rishijoshi5808]

I think the biggest thing people need to change in India culturally is to not force things (opinions/choices) to their kids... I've seen this even in my household and that dries out children's curiosities which is THE MOST important thing if you want to gain knowledge... Without the curiosity, nobody wants to listed to a knowledgeable podcast... And Kunal rightly pointed out that people ultimately want to be rich to FLEX (Gain popularity)

[@thephodcast9179]

the way kunal sir supported raj sir......we're just same humans at diffrent places at our journey........AWESOME......!!!!! love this podcast :)

[@sanjayjakkula3885]

I hope ,for next interview u should come with really really typical questions. which puts kunal sir for some time to think in order to answer that question. Reallly njoyed waiting for nxt episode 😍

[@ignitingambition6158]

Mannn....learnt a lottt from this podcastt❤❤❤ one of the best and thought provoking videos🔥

[@nistalasuresh5837]

I felt like its a very very short video... With kunal it's always so so deep insights ..... My mind is always on work while listening to kunal so as to process it and understand.. Can't even miss a single word out of his mouth... Love it

[@abhisheksaxena6413]

Raj Shamani, please create a part two and make this video with only questions, the more questions he will answer the more knowledge and much more understanding he will disperse, such a brilliant! Kunal

[@rajaayush4421]

Thoroughly enjoyed every second of this video, can't wait to see him around with you anytime soon.

[@pranavjain7013]

One of the bestttt video's i have watched.....he's is a mentor type of person ....hope i get to meet him one day.....#nailed_it raj

[@rajshamani]

🙌🙌 Thanks man

[@srushtipol5609]

This is the first time I watched Kunal Shahs interview and I must say, I feel like doing an entire PhD thesis on his way of thinking and his approach of looking at life and money and business. Hats off..🔥🔥🔥

[@yogitaraghav6055]

Today this conversation changed my whole view of looking at life, business and people. I am sure all the learnings I got today is going to change my whole life because I got the key of success, but this success is not the success which needs people validation this success is the success which I want to achieve for me only. Thank you soo much for this value addition in my life. ❤️

[@vivekmandal1662]

Absolutely Amazing I kinda feel that before listening to this podcast, My brain was congested And now i actually am very clear and can think with better perspective. Thanks a ton to Raj U are the best bro.

[@nivedk947]

Perfect combo ❤️..Need second part Mr.KUNAL SHAH is the smartest and the besttt ❤️

[@abhishekb6379]

Very deep discussion. Learnt • How per capita income affects the country? • Relationship with money by middle class families! • How to make wealth in easy way? • Understood the importance of Time and Money while making wealth! (If people feel boring to invest either one out of two currencies, it's difficult to become wealthy) • We are becoming more on consumer side... We want to shift to producer side to create more wealth. Thank You Raj and Kunal Shah for this Podcast ✨❤️

[@hrithikapal9651]

It is so much insightful and enlightening🔥🔥. His ideas on human beliefs and need for questioning them, the concept of "Two Transactions" were way par. From start to end it was just so enriching. Please call him once again.

[@skamanali3489]

Kunal sir & his knowledge beyond our imagination....salute to this man......❤️✨....

[@kushagra_kesav]

Best podcast i ever watched. Thanks to both of you!!! Brilliant 👏

[@sureshnishtala2887]

always very very deep insights ,learnings and HOW's from Kunal.....can listen to kunal for years and still dont get bored.... thanks raj

[@nikhilprem7998]

23:56 exactly why the farm bills were passed. And look how people criticized it. (Sorry for politicizing but I am in favor of farm bills :/ )

[@anujbudha7400]

You are doing such a great job brother🔥..love from Nepal ❣️

[@akshatjainbafna]

"Nobody wants to become rich, they just want the goods they get from becoming rich."

[@aadilsuhail1562]

@raj shamani. This series figuring out with raj is among the best videos I have watched in you tube and it's full of knowledge and wisdom.

[@anamikatapadar1957]

One of the amazing podcast I have ever seen. There were so many things to learn about. I each and every part of the conversation.

[@vishaljayani8362]

Kunal is a philosopher

[@parthjoshi465]

Best thing I have watched in 24 years ❤️ ... Thanks for this

[@kanurajkapoor1606]

Thank you for this. Kunal Shah is a legend and so are you for giving us a platform to witness his psychology and the way he thinks from a not so formal perspective. Cheers!

[@thrivedesigns]

The smartest person I've ever listened to...Hats off Kunal Shah🔥

[@dikkuz]

The amount of times Kunal Shah uses "What if" shows how different this guy is from us 🙌🏼

[@shubhamsharma3366]

Amazing mannnnnnnn I loved it I am just not able express that in words.it was incredible. Thank you so much 😊❤️

[@khuwendersharma6949]

Kunal kunal kunal sir there is so much to learn from you .... Every time i watch your video i can't resist myself from seeing your video .. it's like aaj kuch naya seekhne ko milega... You are not just only mind blowing entrepreneur but you are such a good human being with a lots of knowledge and mind opener too.. lots of love from my side ...hope we will meet and share thoughts ..i have learnt so much from you ..and applying in my startup ...thank you so much for everything

[@vinaychavan4364]

Blew my mind with the amount of information shared by kunal. thanks for making this pod

[@sanmatipol3201]

Bestest podcast ever Everytime Kunal shah sir talks I am just like I need to process ..

[@YourMonkeyGuru]

Great podcast, but please improve audio, it has echo & not much clear on 2x 🙄

[@saha.gautam757]

What an interview!!! Such clarity of thought!@Raj samani ,pl doing such talks..It is insightful

[@shrutisomkuwar9384]

Wow raj ....this is one of the most insightful podcast anyone can find on KZbin...looking forward to see such more enlightened content..all the best raj for your growth 👍

[@ravitejareddy6727]

The most exciting part of this video was at the end mr.Kunal Shah answers and honestly Its is one of the best video i've ever watced on youtube

[@rajshamani]

🙌 Thanks man, glad you liked it!

[@metaboom]

I feel like Raj's mic was off, did anyone else notice?

[@vighneshpawar4285]

One of the best podcast i have came across on your channel.. there's so much to learn from this great man and his great mind.

[@AkashPal-kj1tq]

Wow! Just blown away by the sheer amount of knowledge and information I gained from a single episode!

[@pranaytandon9690]

what a guy man. one of the Most brilliant business minds in india

[@AnkitKumar-pz8xr]

I just like the the way he makes you Confertable to start... It was really so beautiful ✨

[@harmannn]

this one is my first podcast where I don't even skip a single second great podcast and filled with huge power ad knowledge. just amazing

[@rajshamani]

🙌 Thanks man. Hope it helps you grow!

[@sunilslvphsn]

Nice conversation. Two cents on Cred, I still don’t want to use Cred. I feel it’s for ignorant people who don’t value their personal financial data. If they educate themselves on credit card they won’t need such apps. Indians better value ur data before these companies decide how u shud lead ur life .. Ps: coming from professional data guy

[@thesankalpshow]

We want more of Kunal Shah to express himself on the internet in the form of videos or podcasts.

[@adityajethwa1268]

I'm still waiting for your podcast with Garyvee

[@DeveshKumar-mg7wt]

@@whatsapp4524 hlo sir

[@kunalghosh8852]

@@DeveshKumar-mg7wt that is a fake id.. beware folks

[@RajTiwari.]

Best podcast till now 😊 , i think it is the first podcast or any piece of content where Raj shamani be like" I'm learning and hearing a lot New things And a totally different perspective😍

[@ShreyaAnchliaOfficial]

That’s a very candid and nice talk. I am also trying to build my business and have started KZbin channel. Thanks for the inspiration.