Surviving in 30,000 After 12 Years of Work-Ex in Bangalore | Fix Your Finance Ep 39

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Hello guys, Welcome to another episode of Fix your Finance. In today's episode, we meet Kiran, an assistant consultant with a home loan that takes up 50% of his salary. We talk about his income, expenses, loans and investments. I'll also discuss how to manage impulse purchasing and the importance of upskilling.
Enjoy :)
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🕹️Tripod: bit.ly/DigiTek...
MY TOP 5 FAV BOOKS 📚
Ride of a Lifetime: bit.ly/rideofa...
The Millionaire Fastlane: bit.ly/TheMill...
Zurich Axioms: bit.ly/ZurichA...
Masters of Scale: bit.ly/mastero...
Just Keep Buying: bit.ly/justkee...
#fixyourfinance #personalfinance #moneymanagement
Disclaimer: Neither the guest nor I am a SEBI registered investment advisor. Information shared is only for educational purposes and not investment advice.
Music licensed by Epidemic Music

[@apoorvkumarbhardwaj]

Please don't judge the guy for his spending and income. He has called Anshuman to help him fix his finance not to get trolled.

[@upskilllearn7596]

Lol😂😂yes

[@moin6077]

😂😂😂 I wasn't even thinking of trolling him. But now after reading your comment I feel the urge to do so.

[@upskilllearn7596]

@@moin6077 same here🤣🤣🤣🤣

[@Shri_Hegde]

I am not judging on his spending but I am judgiing based on his thinking. He said swithcing is not his thing.... The company where he is working is not his company, everyone wants to make money, I think he should change his thinking.. i dont support every 2 years you should change company But in 12 years he coud have switch 3 comapnies... Atleast he should see his daughter's future and he should switch to another company... Bro you cant or should not get 65k/month for 12 year experiance(he said he is upskilling himself).... If you consider pre-pendamic trend aswell this is low...

[@AbhishekKumar1]

still he is class A grade chutiya.

[@zaved5]

It takes a lot of guts to come out in the open and speak about all this in a public forum. More power to you Kiran 😊

[@dsinghr]

This guy does not take any stress, that’s good. I have 16 years of work ex in IT and settled abroad in good position, and life is so stressful. Already have Bp and cholesterol at 38 age. Life should be easy not complex

[@javedakthar4133]

What advice you have for a 15 year old

[@anuragsingh2820]

Why you have a BP and cholesterol if you are working in IT industry? Currently CSE student last year. Soon to join the IT. Industry. Any suggestions? Thankyou

[@sankadines]

​@@anuragsingh2820I also have bp and cholesterol. I am not from IT background. The reason for these health issues at young age is due to higher stress and alteration in eating and sleeping pattern. Some people eat more under stress. Definitely job issues create extreme stress.

[@Thomas78-j6r]

​@@sankadinesyou are right I'm working in IT for a year and already feel the same but I'm making changes slowly by exercising more, spending time outside etc. It releases a lot of stress and helps out health too

[@anirbanchattoraj6870]

Still most people would do anything to live your life.

[@SRIVENKATASubramaniyan]

Kiran is the face of every middle class Indian. It is not easy to survive in the IT industry and earn decent salary. Not everyone earns 50L package. Their combined family income is 1 lakh and only Kiran stays in Blore. He has tried his best to reduce the expenses: No car, No luxury trips, public transport. Every man has his vices. He is just finding some reason to push hard in life through the impulsive purchases. That does not make him any less in terms of finance. I think its better to have "vice" budget and keep it under control.

[@lucifer8163]

This is the best finance episode for a normal earning person. Big lesson also for people who don't switch in decent duration.

[@stephenwilson4931]

30k is not normal its low earning in metro cities 😢

[@abhishekshetty5245]

TCS BUOY !! 😂😅. But on a serious note hats off to kiran !. It takes balls to admit & make course correction !! Many just lie to themselves until it’s too late .. Kudos !

[@sakshambajpai6780]

I really appreciate him for coming out for help becoz people generally don't do that All the Best Kiran!!!!

[@divitkarekar5803]

Really happy he came to Anshuman for help,hope he changes those impulsive habits and becomes finacially healthy in the future

[@poonamkhatri3914]

It's take guts to accept your shortcomings, that too in public and who wishes to improve. Salute to this guy.....my best wishes for his future....

[@prasannakannan9426]

People in comment section are over the limit in judging kiran. He looks calm and happy. I doubt people in comment section with lot of gyan are happy or not. Same people will crib on video where a guy is earning 50L.

[@jakoick1298]

I bet majority of them are 10-12th or 1st yollege kids who think they understand finance and economics to the T and are deluded enough to think they will easily crack a 1cr job right out of their college. There's no point in arguing with these idiots, they are laughing at Kiran but sooner or later end up in worse situation

[@Rn45634]

Its people like Kiran who should be coming to the show since they are the ones who deserve advice. I get a feeling like some people come to the show only to show off their income which is of no use to the viewers. Anshuman please filter the requests and bring the ones who genuinely deserve financial guidance

[@akashsharma1134]

Some people don’t take off in their career until they leave their comfort zone. This guy’s salary grew 3X in 12 years - so he’s an ASSET for the company

[@prakazhkumar7441]

😂

[@a.kavinsharvesh8801]

Ideally how much jump u should expect in around 10 yrs?

[@akashsharma1134]

@@a.kavinsharvesh8801 Atleast 6X or 7X. For hustlers it could be 10X.

[@madhavprasad3824]

Started with 1.7 lpa CTC per year now 10 years it experience 17lpa CTC. Compared to myself doing ok when compared to friends working in other technologies and product base company doing less

[@madhavprasad3824]

@@akashsharma1134 Hi can you tell us your career journey. Trying to hustle like you but got stuck with regular job and family issues

[@hacksgeek]

big company + not planing to switch + ctc from 3.15 to 10 .... lets call it TCS ....

[@AnirudhGarg1123]

No need to even guess. His first watch can give you the answer.

[@upskilllearn7596]

😂😂

[@upskilllearn7596]

@@heyshreyans depends on person to person…I started my career 5 years back with a service based MNC and have switched twice in 5 years. My 3rd company is also a service MNC an IT giant and I earn far more than this person with 12 yrs exp

[@hacksgeek]

@@heyshreyans short answer - TCS behave like a govt company, in terms of attitude and job stability both

[@krishnaleela1]

Or IBM

[@sumukhadn5060]

12 years working in same company and talking about i am working on upskilling , makes no sense

[@mr.jacker3951]

Bhai software developer nahi hai wo

[@abhishekjadhav3669]

Scrum master is part of development process

[@mr.jacker3951]

@@abhishekjadhav3669 yes it is just but he don't know how to build a robust and scalable system

[@bond-hh1vn]

Do you know how many years Sundar Pichai Still working in Google?? Its almost 20 years. Don't make a Bullshit statement if someone stays in a same company for long time. Myself i am working in a company for almost 6years and i am happy with that, ask why??? Because they give me work and life balance. No one is in the Rat Race of Salary, i also enjoy my life, i took 3 tours every year, without having any fear of Boss. I have made parallel freelancing jobs. Everyone have their own story. Don't be judgemental by reading your own books.

[@selvasiva7822]

V can't judge anyone

[@eaglecrypto9412]

I think he is bold he opened up with his situation aap log sirf comment karon😢

[@maheshmahapatra1]

This is the story of existing employees in TCS. promotions stopped an hike is just like 1 to 5 percent.

[@bhawanishankar1990]

Why do people still work there if the pay is so low ?

[@LONExHUNTER]

job security@@bhawanishankar1990

[@prajju8114]

​@@bhawanishankar1990 not many people have skillsets to join other companies which is why they work in TCS and other service based.

[@jessica49arrow]

I've heard tcs offers good benefits. Like if u want to shift to a city where ur spouse is staying tcs gives easy transfer. Then flexibility in working hours like say u can work half day at office and then go home and work the rest. Also gives lots of benefits to new working mothers etc. So people don't leave tcs and therefore promotion is slow​@@bhawanishankar1990

[@georgethomas1705]

Kiran sounds like a genuine and well mannered person. You have madr all the right investments for now. Hope you get your finances right soon, get onsite opportunity and increase your slary as well. Good Luck.

[@saurabh94]

Giving your 12 yrs to a company and still at this low CTC, its either his attitude was very laid back or he's scared of going out of the comfort zone. With the current scenarios the general expenses are going to increase exponentially as his daughter grows, so the only way for him to fix his life get out of his comfort zone and to switch into another company . Also the cheapest watch in his collection is under 2k😅, Either he was bluffing or the prices were falsified for video purposes.

[@ShobhitTechVideo]

Actually i was at same package at same experience.. but got frustrated and switched 6 months ago for 2.5x hike.. well it's not that easy as interviews are hard and to prepare for interview it took around 6 months of studying and then to get selected to multiple companies it took around 2-3 months.. and i first 15-20 interviews normally you get rejected everytime and you loose the confidence of moving ahead so you settle where you are.. i see many of my friends not going for interviews after failing in around 10 of them.. as it takes the confidence and energy out of you. In IT industry good thing is that you can get 100 interviews in around 3 months.. so you have to fail and get going.. and try another time.. then after 2 months and 20 interviews half of the questions are repeated and you prepare for them and get selected.. it's hard process so people are afraid of switching and getting insulted in interviews,..

[@saurabh94]

@@pralayaryan i was mentioning the price based on the picture they showed of his watch collection, the Casio vintage series watch retails for 1.7k

[@pralayaryan]

​@@saurabh94maybe that watch collection is just a stock image

[@tejasshirsath485]

Wahi toh , his least expensive watch is 22k and highest is of 77 that makes it 1lakh ,and he has 11-12 watches , where's the math

[@genericstospecifics1856]

​@@pralayaryannope, if you examine the box carefully you will notice there are 12 watches like he said and one of them is the sieko watch which he showed to anshuman. He is just either lying or himself does not know about the actual cost he incurred because as OP rightfully said, one of the casio watch is under 2k.

[@rg1440]

This man is really enjoying life... Baki sab bas bhaag rahe hain with more and more greed. Sone ki kabra me koi nhi jaa rha... Laalach ki koi seema nhi... aur sabka nazariya ek jaisa nhi hota. Great going, have fun.

[@lokhandwalamariyam]

Yes agree bang on

[@iPhenomenal27]

He himself said that he's in a really bad financial health and has to sell the plot which he bought and you're saying he's enjoying life? What kind of enjoyment is it in which you've to ask a finance youtuber to come fix your stuff?

[@gowthamreddy421]

His vehicle maintenance is 7 k per month……but the amount he gives for his family is 3k…….

[@manjunathams8865]

Really it takes guts to come on camera, share the truth, and consult someone for help! usually, we shy away from seeking help because of being judged.. Really a great video.. such content should be discussed openly so that we can learn from his mistakes. I wish him all the best.. seek good opportunities.. grow

[@monaleeghosh9679]

Kudos to Kiran..it takes guts to come openly about one's financial conditions..Namaskara🙏

[@ashenics]

Though he is having impulsive buying issue, his financial behavior so frugal in my opinion. He is also enjoying life by going cycling that's good. We should not sacrifice too much in the name of saving for the future. He is stressful now because he is in mid level career and transitioning to upskilling journey even many of us share the same boat...all the best for your financial future hope you will do better

[@modellocomotiveworks2215]

Please consult a psychologist 😂😂 He has outstanding debts, emi and you are calling it a frugal lifestyle Please don't live such a frugal life or your future generations will definitely enjoy life riding a cycle 😂😂 What is the point in cycling after spending lavishly and running out of money

[@rajatthedronzer]

Kiran, I hope you read this man. I could sense a lot of nervous disposition in you. The way you were constantly rubbing your palms and had restlessness in your body is indicative of the mental stress you are currently facing. I really wish you implement Anshuman's guidance and improve steadily. Wish you all the very best! :)

[@anishgandla822]

I guess he is working in TCS that’s the reason he was working in same company for 12 years

[@sumithhh9379]

I started my journey from TCS with same CTC of 3.16. with multiple hops, stocks, real estate purchases my net worth is over 2cr. He is digging his own graveyard. Once TCS fires him, he will be nowhere.

[@hahaheee7906]

Sir your age please? And congratulations

[@sumithhh9379]

@@hahaheee7906 34.

[@argh_a]

But the thing is TCS mei job stable h

[@sumithhh9379]

@@argh_a safe zone is the most danger zone. You lose out opportunities to take risk and you become stagnant. There is no point of being stable and living a fragile life.

[@ameygupta7175]

​@@sumithhh9379 apna lagta sahi sa upskill nahi kiya

[@ravimewada1278]

loan is like a Nuclear reactor for banks it never stops to produce wealth for banks in form of interest

[@amit2221993]

Randi chodo, gyaan nahi

[@vinodvij82]

True. Also floating interest rates are the bane of loan takers.

[@techislife2843]

He got a good rate of interest + the plot is on loan so selling it becomes easier and if property market in that city is doing well than he will make a good return , the problem with his finances is buying expensive stuff which don't add much value to his NetWorth plot plus his wife his earning very less 30k and his salary hasnt increased much on which he is woking on the advice I would give hi ki buy house where he plans to live Wife is at one place husband is at another both are paying rent both stay away that doesn't make any sense

[@tausifhussain5459]

​@@amit2221993tere ammi ko 😋

[@ishanchowdhury5676]

Hey Anushuman, This was a gem of a conversation, Cheers!

[@sidaaashu]

Just switch 2-3 times in next 2 years and your salary will be 2-3 times…. All the best

[@anakingaming3687]

Real people real stories. I can relate.

[@mohanplays]

Lesson for everyone to not stay in same company

[@sourajitdeb4871]

Man has a great taste in watches. Well balanced collection. Love the fact that he has a Seiko GMT in his collection.

[@techislife2843]

He got a good rate of interest + the plot is on loan so selling it becomes easier and if property market in that city is doing well than he will make a good return , the problem with his finances is buying expensive stuff which don't add much value to his NetWorth plot plus his wife his earning very less 30k and his salary hasnt increased much on which he is woking on the advice I would give hi ki buy house where he plans to live Wife is at one place husband is at another both are paying rent both stay away that doesn't make any sense

[@prasenjitmaity8891]

No shame in asking for help, acknowledging the problem is the first step to facing the issue. Here on, it will improve, just focus on getting rid of the debts. It wont happen overnight, but please remember every step in the right direction is a step forward. Good luck.

[@ajinkya820]

First mistake that guy made is he dint switched the company .. at 12 Years of experience he must need to be at least of 24 lpa .. he is in comfort zone, second is he is doing impulsive buying

[@Time-waster-master]

If 22k is the least, and 77k is the most expensive. The total expense of all his 12 watch should ideally be more than 2lacs as his most and least expensive is 99k.

[@anshulsoni6335]

Just the comment I was looking for. Now let's wait and see if someone can justify.

[@thunderclapyt9999]

Some may be a gift.

[@PzZulqar]

In the collection they showed only the last 4 watches cost more than 20k. Others range from about 0k - 12k. It is a nice collection, especially the last 4 watches are beautiful. That said, I think he needs to add the Tissot PRX to his collection 😋

[@NamanSharma-hh6en]

@@PzZulqar Tissot PRX is hands down one of the best watches under 1 Lac. Gives you a royal oak feel in less price : )

[@KiranKumarkg007]

Casio A168 - Vintage - 2.7K YOUTH W-217HM-7BVDF - I114 Silver - 1.7K Casio W-217H 5AVDF - I113 Rose Gold - 1.7K Casio Edifice - EF-130D-1A2V - 8.5k Casio G-Shok GA-2100-2ADR - G1156 - 9.2k Casio G-Shok G872 - 9.4k Esprit 102541 - 8k Invicta 8926 - 13k SEIKO 5 SPORTS FIELD COLLECTION - SRPG27K1 - 25k Seiko Blueberry SSK003K1 - 40k Seiko Propex SRPE33K1 - 55k Seiko Sharp Edge SPB167J1 - 77k Total - 2.51 Lakhs

[@darshanlaljoshi4005]

DEAR ANSHUL WHY DONT U MAKE A VIDEO AND SHARE US UR FINANCIAL PLANNING AND OVERVIEW OF HOW YOU MANAGE UR EXPENSES

[@sarathchandrarepaka9595]

Sensible video and I love Anshuman for taking so relatable topics and people who are struggling with impulsive purchases

[@ayuship2022]

I like how anshuman brings diversity in bringing different earning groups and very nice advices given by him

[@ABHINAV6562752]

Wow aap sango ki video pr bhi bhut comment krte ho

[@DeepakM5898]

His watch collection is Seiko/Japanese heavy, i would recommend a Swiss piece to balance it out. Maybe sell a Seiko or two to get one Swiss piece. Don't buy too many watches, you won't get the wrist time to justify all these purchases.

[@CANILESHKUCHERIYA]

Honest inputs & possible solutions. Power to both & tumko bhi those reading these comments on not being judgemental but learning from others experiences.

[@nikhil23911]

Hats off to guy and taking a bold step of reaching out to Anshuman.

[@shantanuak]

Please consider onsite opportunity to get in better financial shape. All the best

[@upskilllearn7596]

I don’t think he will get it. He seems to be dumb and lazy

[@nutandevjoshi]

Moral of the story, spend based on your salary. And get out the comfort zone. Get into better company.

[@prajju8114]

Not only that, he made a mistake by staying in that company for 12 years, had he upskilled within 4 years of his experience he would have been in a great place

[@AkhilWalavalkar]

Sad reality of IT industry. IT Companies need to understand that softwares n laptops (which they call assets) are not the real assets that they have. Employees make a company n it's culture. No value for employees will equally affect the company sooner then they think. There is absolutely no value for long term associates. The same company will be more than happy paying double for a new person with 1/10th the knowledge. With what i see in the industry, this attitude is going to affect these Indian IT companies very very soon. Management is just not realising it in time. Times before lockdowns n now is completely different.

[@upskilllearn7596]

How come you are saying a lateral joiner has 1/10th knowledge? Lateral hires bring varied experiences to the company and team and in turn help them grow

[@AkhilWalavalkar]

@@upskilllearn7596 I say it based on first hand experience. We take around 20 to 30 interviews every month. Also I am not saying all experienced joinies have 1/10th the knowledge. There definitely are great candidates however their ask will also be very very high compared to a guy who is in a scenario of that in the video, so no point in comparing them with him. I am comparing the actual industry practice for someone in his position. Also please note most of the hirings today are because there is a desperate need of a person at that role and not because the company wants to add high skills to a project which is already running smoothly. This is an era of high attrition driven recruitment.

[@ZZZZZZ-eu7ui]

@@AkhilWalavalkar well compaies are idiots asthey wont give good increments to existig peoplw but will hire people at 2x 3x . same at our company we have 2 years exp while new hire trainnes earn 2.5x

[@vaniv187]

Hey Anshuman.. He said he was interested in investing in stocks etc.. you should have asked him about his other investments or monthly savings. Also you forgot to mention about the insurance part ( life, medical or term insurance).

[@sargarpramod]

He sounds very sorted. Not at all panicked that he needs to earn x amount per month, doing things that he likes . Sooner or later we realise nothing is enough you need to be able to do things that you like. Apart from work, there are other aspects to the life.

[@nitesh200017]

This Video is Pure Gold Story of an every working and married Guy ,Thanks for the Great Suggestion

[@ishanchawla8290]

If he resignes he will get gratuity

[@prits4433]

Why does he need a bike, a car and a 1.5 lakh bicycle when he walks to work daily?

[@upskilllearn7596]

😂😂

[@shikhargupta7552]

Indulgence budget is the only suggestion I am taking from this video 😅

[@chhavikantsingh]

This guy did not switch for last 12 years hatts off ... and he is still with 12 Odd CTC that's the poor old corporate culture if someone stays for such long period he should be paid well and if companies do the same then hardly you will find anyone staying in the same company for entire life.

[@Pradeep_0907]

One of the most undervalued channel in terms of PE - Profit for every minute invested in the video.

[@abhilashnair4675]

It’s good to see people are not judging him.from each video in this channel i learned something new. As a scrum master he removes his team impediments. May god remove all impediment from his life soon.

[@kshitizagarwal8389]

least expensive watch is 22,000/- and 12 watches as shown in the picture. Even if I assume the price of all the watch to be 22k only (I know he has one worth 77000/- also but just hypothetically speaking), 12x22000= 2,64,000. Don’t know what did he lie about. Ah

[@nighthawk4028]

Which one is 77000?

[@MilkyWay-ti4jd]

@@nighthawk4028 Seiko Sharp Edge, the last one

[@shahkushal1495]

Fact: Watchlovers are watchlovers. I am just trying to check the 77k watch physically. I know I would buy it if I see it physically. Its perfectly carved piece of art. Seikos are the best.

[@debaprasad9379]

I want this kind of life . Decent salary . Won't marry or have child . Just old parents and me 😁 . Easy and comfortable life 😃

[@divitkarekar5803]

first of all the life you described is in complete contradiction with the video,also you may feel lonely later in life and want a partner,aap khud budhe honge tab ka kya?let's be real parents aren't going to be alive in your entire existence

[@debaprasad9379]

@@divitkarekar5803 Mene iss baare mein bhi socha hai . Mein ek bache ko adopt karunga . Jab MERI decent salary hogi aur usse padha paunga tab adopt karunga . Bache paida Karne SEI better hai jinhe MERI zaroorat hai unko palun . Uski Zindagi mein ek Papa Hoga aur MERI Zindagi mein ek partner 😁

[@lastminuteprogrammer8511]

@@debaprasad9379 It is not easy for single men to adopt a kid in India. Authorities suspect pedophillia and what not.

[@neetu11p]

​@@debaprasad9379 single men cannot adopt in India. Please don't have such negativity for marriage. Once your parents are very old, it will sadden them to see you grow old alone. Parents with a positive and healthy attitude wish to see their kids build their family.

[@debaprasad9379]

@@neetu11p Bhai Shaadi SEI problem Nahi hai . Actually Mera reason sunke apko hasi aane lage 😅 . Par mein ek businessman banna Chahta hun . Aur Uske liye mujhe bohot saving Karni padegi job SEI aur tabhi jaake mein millionaire ban paunga . Aur iss bich mein Nahi Chahta ki MERI family ko MERI Tarah financial struggle Karna pade isliye mein Kisi aur ladki ko Apne problems mein Nahi daalna Chahta 😞🙏

[@masti437]

Some recomendations: 🙂 (1) His PG rent is more -> Move to PG of 5K (2) For his salary IPhone is expensive -> Use phone of 10K (3) He seems lazy to upskill -> Buy some Udemy courses instead of watches (4) Taking amount from PF is very very very very very very very bad Idea --> Invest in NPS scheme (5) Expensive watches - > use your phone to see time bro (6) Expensive bycycle -> whats the point in staying near office if you buy this much expensive cycle, Use BMTC bus travel.

[@pralayaryan]

its clear that u have no knowledge of market rates of the country, in PG of 5K he will get only 1 small room to stay with not even an attached bathroom and in case u forgot he has a wife and a 3 years old child,

[@masti437]

@@pralayaryan ... (1) Bro his wife and kid are not in his PG ... they live separately (2) I live in 5K PG in Bangalore from past 8 years in sarjapur road its good and its not like a box .... . So yeah I have idea of market rates ... thanks ...

[@AdityaRaj-ju6dl]

@@masti437 Do you have to share the room with someone? Also do you get amenities like a washing machine, fridge and wifi?

[@masti437]

@@AdityaRaj-ju6dl ... Its 1 bhk with a kitchen and bathroom. 2 people sharing. Free Wifi, 2 times food, no electricity, free cleaning, security at front gate, washing machine is there(I don't use it) . U need to search extensively u can find good place

[@divitkarekar5803]

​@@AdityaRaj-ju6dl exactly,guy doesn't know pg prices depend heavily on the location and amenities already present in house,which viewers don't have any idea of Just bcoz he lives in a 5k pg,he'll recommend everyone Grow up pal

[@13jhelum]

My current manager worked in Infosys for 12 years then switched to Capgemini

[@psg5519]

He is in TCS.. i have worked with him 2 years back

[@pralayaryan]

i hope he is not ur friend bcz he sounds like a pathetic and disgusting human being.

[@anshumanfinance]

Come one Aditya, lets be kind with one another yeah? He is finally upskilling and will soon get a good job!

[@AdityaRaj-ju6dl]

@@anshumanfinance sorry anshuman bhai, i will remove that comment now

[@psg5519]

guys please don’t demotivate him as far as i know him he is very calm and generous guy.. There are 2 reasons why he is not able to move.. one is his confort zone and second is since last 3-4 years company is constantly promised for onsite opportunities..that maybe a reason.. Let’s not deprive him and wish him all the best yrr

[@AdityaRaj-ju6dl]

@@pralayaryan Still bhai aisa bhi mat likho, abhi wo aayega idhar aur ye sab dekhega to accha thode na lagega....Atleast thora encouragement to de hi sakte hain

[@vigneshwaranr3608]

All the best Kiran. I believe you will come out of this very soon

[@riteshparmanik]

This guy is either in Infosys or TCS, just relaxing all day doing nothing and not upgrading or switching.

[@ShikharNigam23]

His face depicts the pain he is going through.

[@janvins4843]

Few things dont fit right - He said he invested in stocks and got lumpsum but still the most safe bet of PF he withdrew, which I think with his package, cannot be more than 6L till date, now PF cannot be withdrawn more than 50%, thats 3L. Then his most expensive watch is of 77k, least is 22k, out of 12 of his collection 99k is for the two, he says 1.5l in total, remaining 51k/10= 5100 per watch. He should be saving per month as indulge investing than for indulge buying.

[@pran10000]

You should have explored why he's planning to sell the plot in just 1.5 years. Good chance he'll sell equity at a loss too if the market dumps.

[@stillness64]

Very good interview.. great time spent. Thanks

[@JithendharS]

More power to you bro. Hope thinks get better for this guy. Anushman you doing great job man.Its awareness knowledge on how to manage/not manage your finance.Appreciate all people who came to this show.

[@anuragkhosla]

Great episode, he is managing his expenses well and will get better with time. However, speaking of the watch collection, which is amazing, a lot of the watches are under Rs.22k :D -> The Casio range :)

[@devesh1697]

This video is a must watch for anyone has just started making money. What not to do! I feel frustrated and sorry for this person Inki mehngi ghadio ki wajah se hi inka samay khraab hai!

[@bangalorebikerlawrence]

Dont understand how the least expensive watch is 22k and most expensive is 70k but overall collection is around 2lacs 🧐.. doesn’t quite add up

[@wagyubeef925]

As a watch enthusiast, i respect him.. he hasn't gone overboard just 2 months of his income.

[@ankitsrivastava6197]

In the first row of his watch collection, none of them cost more than 10k. Why is he lying?

[@my_j.a.r.v.i.s.]

I also have a huge collection of 11 watches that cost around ₹2300. All thanks to Chandini Chowk market.

[@friendshiprocks8673]

😂😂😂😂great 👍👏

[@srivaishnavkoyi9387]

Kiran bro you need to switch company, you are an asset to your company but your same company definitely would have hired your peers from market atleast at double your current ctc. Your company should have normalized your ctc but looks it will never happen bcoz it didn't happen till now. You need to make sure you are at right place at right point in time, have you ever thought whether your ctc is according to market inflation or not. If you did not think in such a point of view then this is your mistake. Good that you reached Anshuman. All the best for your future endeavours

[@Guiding100]

I think this guy is doing good . Chill bro you already owned a plot which is also a good investment... I understand you want to see money... The only issue is impulsive buying...

[@nickelvikky9707]

If a company is not correcting your salary as per market even after 12 years of working then it is high time to look outside … He is very much underpaid not even 1lakh per year of experience while market avg is around 2.5lakhs per year of experience

[@jelouche]

TCS

[@parekhayan]

Rather than selling your plot... Think about generating extra income thru doing small business to cover the EMI.

[@aritraghosh7678]

Krlega bro, chill ho jayega, switch krne ka try kr . Contact friends collegues for referrals

[@Hemantsav]

Instead of Financial Advisor he needs some career counseling....

[@alokyadav659]

Ye toh TCS wala lag raha hai

[@bottomfragger]

Funnily enough, I recognise the paint and the curtains on the window & I know almost exactly where this was shot

[@parthrajpal3574]

Great video learning alot thought fix you your finances episode

[@nileshpitroda234]

One of the way to avoid impulsive buying or on things that we don't really need is "To buy SIP. Because when we feel like I have more money, we start spending on useless things. By doing an SIP we are actually buying asset. We don't feel like I have "more money".

[@cute_anusha]

I would suggest to being such cases only who really need help in life. One thing i ddnt like was he was more focused on daugheters marriage than her education... I mean common kis century me ji rahe ho

[@amit2221993]

Liar. That casio ga2100 is worth 7-8k

[@sumukhadn5060]

he says his least expensive watch is 22k and costliest is 78k adding 2 adds up to 1lack and rest 10 watch avg lets consider 25k its 2.5lack total watch according to his theory is 3.5lack min he say 1.5-2lack , also watch dont look any good except gshock 🙃🙃

[@lol000333]

no bro thats not casio its "seiko field watches" its approx 25k

[@jigsaw2561]

Seiko watches cost 10+ but yes there are Casios which should cost around 5 - 8k

[@sandipchavan9881]

First row of watches.. all costs below 10k

[@pralayaryan]

​​@@sandipchavan9881rey thats a STOCK IMAGE not his real watch collection

[@devshelke1545]

His least expensive watch is casio a168/a158 around 2200 not 22,000 . No idea why he said its 22k anyways great collection i hope he adds a rolex , AP to it once he fixes his finance and can really afford one of the luxury watches out there

[@nextgaming4666]

Ap😂😂😂😂 That would 3 times his annual income

[@logan4441]

Chutiya ho kaya bhai ?? Kuch grail watch brand ka naam Jaan ke kuch vi bak rahe ho🤣🤣🤣 one single AP cost is his 3-4 year CTC Agar koi avarage insaan kharidega bhi to uska life hell ho jaiga uss ekk wrist watch ke chakkar mein, fir bhi log bolenge ke 1st copy watch hai, q ki wo sab grail watch only billionaire/ millionaire comfortably afford kar sakte hai

[@satvikkhare1844]

To be honest, he is being exploited by the company. Freshers would have roughly the same CTC in his company.

[@vermillionvideos]

His math doesn't add up : He has a collection of 12 watches & if the least expensive is 22K & most expensive is 77K - The total collection must be way above 1.5-2L. (PS : I spotted a couple of Casio Gshocks in his collection whose price range will be between 11-17K, so his least expensive watch is definitely not 22k :P)

[@devangkhalkar6099]

His least expensive watch is probably the one which has TCS written on it followed by casio a158 which costs about 1600 rupees

[@officialzahidakhtar]

Show off ka 14 ha ye 😊

[@pratikphadatare7422]

Just for people's information, one of his watch is Casio G-SHOCK GA-2100 and it costs around 10k Max and some months ago you could buy it for 7k.

[@pratikphadatare7422]

Few*

[@quiteintresting1916]

Lecturer making 30k... Man this is sad

[@jaypalnitkar4400]

Sad reality of India

[@debaprasad9379]

Maybe she is temporary . Permanent lecturers who cracked GATE will get more

[@jakoick1298]

She is probably an assistant prof. in a normal college. Once she gets permanent it will easily cross 60-70k

[@debaprasad9379]

@@jakoick1298 yup

[@sraynitjsr]

@Anshuman Sharma, you're doing awesome job man, thanks a lot man....

[@sujansays]

Good video. This is the situation of most of the ppl in IT or non IT. We have to balance the expenses and income. Basically, one can stay minimalistic and stay focused on spendings what is needed.

[@ankittripathy2001]

Total 12 watches ka collection h hain(according to pic) Now if least expensive is 22K, then also total amount 2.64 Lakhs hoga.How he's saying it's less than 2 lakhs?🤔

[@zipitar9018]

Man you will die as satisfying, most kf fianancial planner realise that they have planned financially but missed out extravagance life has to offer

[@warriorx86]

On surface he looked a sensible family person but it takes courage to come out in public and accept his hidden faults.

[@slim53k]

LTCG is 20% on the plot. Above it he's paying average 7.5-9% interest on the home loan. This amount is on the principal amount of loan. So.... So... He's losing out supposedly 40 plus percent on the total profit earned when he exits the plot of land and uses the amount to buy equity.

[@TheGamer720x]

One best way to stop impulsive buying is to stop using cards and upi. Always go to a bank / atm for cash withdrawal. That gives you an actual sense of how much cash you're spending on the purchase. The action of physical cash leaving your pocket is much more impactful on your spending.

[@ajityadav25]

total watch 12 least expensive watch 22k most expensive watch 77k total watch collection -1.5 to 2 lakhs kaise bhai😅 bhai sabse kam expensive se bhi multiply kiya to bhi 250000 ke upar chala jaata he😂😂

[@chandrasekharravenur8047]

but that Casio watch is a168wa is 2400-2600rs only, the other with black lcd is like 1400-1800rs only how he can say that his least expensive is 22k

[@MrAshu58]

In TCS he should try to get onsite if not willing to switch

[@upskilllearn7596]

😂Will any company on earth send such people onsite?

[@MrAshu58]

@@upskilllearn7596 Oo trust me I know so many.. Sheer luck!!

[@lokhandwalamariyam]

Yes he should try for on-site by upskill