5-Year PLAN for House, Marriage and Travel! | Money Matters Ep. 42 | Ankur Warikoo Hindi

[@warikoo]

If you wish to be part of the Money Matters series, please fill up this form: forms.gle/Tmbo2nUTnhn9vjpG7 Money Matters is a series where I have conversations with normal people such as you and I, on your personal finance issues. It is important to note that I am NOT a financial expert, I am NOT SEBI registered, and I am NOT qualified to give financial advice. Everything that I say in these videos is purely through my own experiences. So these videos do not offer any stock tips, or specific mutual fund recommendations or get-rich-quick schemes. I am not selling any product or service through these videos. None of the brands that I mention in these videos have paid me to mention them, unless I explicitly say so (and I will say if the video is sponsored). This also means that my advice may not always be the right advice. So incase I make a mistake, the best way to correct me will be to share your point of view in the comments, so that everyone can benefit from it. I am not perfect, nor claiming to be either and would love to learn and grow. The idea is simply to help people with their finance journey and through their story try to help others who may have a similar story. My Money Apps: Indian Stock Investing (Zerodha): bit.ly/3iYKROh Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): bit.ly/3iYKROh US Stock Investing + Investment Tracking (INDMoney): bit.ly/3tT5moR Portfolio Investing (Smallcase): bit.ly/3u0is0I Corporate Bonds (Wint Wealth): bit.ly/3sbUI8c How to pick the right insurance (Ditto): bit.ly/3xFh7OU The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions. My bestselling books: 'Make EPIC Money' here: amzn.to/3WHJ43F ‘Get EPIC Shit Done’: amzn.to/4fK1IR5 ‘Do Epic Shit’: amzn.to/4fK9uuv My gear for shooting this video: 🎥 Sony a7III camera: bit.ly/3M42wAV 🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0 🎙 Shure SM7B Microphone: bit.ly/3O1NAVA 🔆 Fill Light 60W: bit.ly/37aJolP 💡 Key Light 150W: bit.ly/3O9nyjs 📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1 The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L.

[@VinayakJaiswal-i4j]

😁😃😊

[@PiyushSharma-dn4rt]

Have already applied ! please consider

[@rajnimehta2497]

Sir I want to come on Money matter. mujhe bhi apni monthly investment, savings, apse discuss krni hai .how can I arrange & manage my portfolio. I m desperate to do that, I want to share u my story , how I Started my SIP , investment I made since I was in my post-graduation,2018 but it was stopped. I m govt employee, i want to discuss and manage my portfolio

[@vandanajain4772]

Sir ap ka portfolio Kitna ho gaya abh

[@surajshital]

Namaste Sir Mai college student hu mujhe koi 1 2 aisa stock aap bta do jisse mai 300 ya 500 daily earning kar Saku Intraday se

[@hbt253]

Apka aisa episode best raheta hai. Kuchh na kuchh related nikalta hai kisi na kisi ko. Bina call kiye advise mil jati hai.

[@shrikantmaurya6514]

I love that he shares his story so that we can understand his objective better

[@turbo_gearx3782]

Please make a video for government employees and how can they plan for their goals considering the inflation and their annual and DA increments

[@sureshpoojari2914]

Yes hoping they make one

[@pramitghosh3910]

Yess plsss @warikoo

[@fxnoob7486]

Yes please @warikoo

[@changelife2922]

Yes

[@kabiroo71]

Just fill the form may be you will get and we get interview

[@issaognigga786]

29:58 dil ke lafz zubaan par aa gaye 😅

[@NeelChourasia]

Hmesha ki tarah apna samjhkr ap logo ko ekdm dil se salah dete hain ankurji 🎉❤

[@suvodipmondal1858]

I am from a tier-3 city, independent houses are over 60 lakhs now, forget it after 5 years

[@vikaskyatannawar8417]

How big of a house is it?

[@dilxodonaconnectingheartby7891]

Thanks for guiding the community 🤝

[@DrKallalPramanik]

Great to see that many Bengalis are coming forward for the money matters videos, indicating increased awareness around personal finance. I'm wondering how expensive the two-wheeler is when the EMI is around ₹6.5k. Back calculations gave me a figure of ₹3 lakh+.

[@lkj686]

Money Matters is a unique and wonderful piece of content in the KZbin era that I have ever seen. It really makes people's financial decisions easier. Thank you, Ankur Sir.

[@Englishexpresstalks357]

Million dollar smile warikoo sir❤😊

[@pushkarkulkarni1937]

Good work Ankur. Really appreciate your help and support. Please keep spreading financial knowledge..

[@nobodygg7314]

Good that he is giving correct Value. 16cr ka correct value 2 cr

[@BlowtheSHELLAM]

Ankur sir ....thank you so much for this I have planned it

[@vishualee]

I would love to see more anonymous interviews like these

[@robertblak5790]

Will 60L be enough for a house in the future, is my question

[@bibhasdmusic]

Depends where you decide to buy it.

[@Karankashyap45]

Not in tier 1 cities but enough for tier 2 and tier 3

[@sateeshgiri5671]

Good enough for Kolkata

[@sunnyprajapati7919]

No. In pune prices are above 1cr.

[@militarymight1947]

He clearly mentioned that after 5 years with 8% inflation it will goes up to 88-90 lakhs

[@RumanGogoi-cj3]

I'm 17 now who is here the same as me 🤔?

[@subhadipdas3815]

19

[@theshrikhand]

17 runing hu birthday bhi nhi aya hai

[@theshrikhand]

Bhai iske video deke lagta hai abhi hi 30 yr ki sip shrur kar lu 47 ke age pe Paisa hi Paisa par sip ka paisa papa se Lena padega 4-5 saal tak uske baad khud barunga kyaaa karuuuuuuuuuuu??

[@surajgaming4583]

19🤫

[@divyadn5842]

Its good to start as early as possible

[@gorav18323]

Ankur sir me gaav se hu sarkari school se padha hu aap ne meri bahut madad ki hai life me discipline rehne me or good habits apnane me me abbi bhi gaav me hi rehta hu 😢 aap mere jaise logo ke liye bhi aise hi videos banate raho 🙏🏽💯❤️🥺

[@madview617]

this format is diff and good

[@robinosniricho4765]

Please share the excel sheet of the calculations to get the idea of calculation and how each variation of investment ratios in each affects to help in choose between them.

[@magnumopus537]

I am addicted to ur videos...😊❤

[@RohitaChhetri-f2e]

Good information 👍

[@KuldeepNegichannel]

Hat's off to you Ankur Bro ❤️❤️❤️ 🙏😊👍

[@AdithyaKS-zq1fe]

This is really a great example for personal financial management. Just one doubt I got was, since you considered inflation and projected the value of the house after 5 years. The same will happen to his salary and other incomes also. Why not consider that? He won't have to take that much loan if he increase the investment by the same percentage of increase in salary during these periods.

[@rmbabariya4242]

The only problem is inflation is going to happen and based on last 10 years, income does not increase based on inflation. Salary increment is not 100% sure

[@WanderWithRohit]

In term insurance, taking limited payment term helps saving money in longer term. I do understand that you may say 10 years payment term will cost 50K annually and 48 years payment term will cost 10k annually so that you can invest 40K difference and earn interest on that investment. But in short payment term you can pay the amount in 10 years and be worry free for the rest of life. Instead of worrying how to pay 10K annually at the age of retirement (52-60)

[@harpreetkohli5715]

one mistake agriculture land will also appreciate at 8% so he can liquidate it now and invest it in nifty50 by compounding at 12% he will have 18lakh from farm land asset value helping him buy land without pay another 20% of asset value. and decreasing his net load.

[@vinaymalap2005]

It was a lovely conversation and more things to learn like mutual fund investment and how to plan an income for future and many more ...

[@sandipjuare6344]

Sir, please make videos on Parenting

[@rajatmishra9520]

Very Relatable....maza agaya!

[@dhunumai1912]

Thank you so much ❤❤

[@sammyjohn.production4783]

Thank u sir u save us eductae us for fre

[@NireekshaRai]

@warikoo, i love watching your content...i have a question..will the health insurance premium once taken remain same till end or increase with age?

[@awesomenoone8888]

I have few questions on the savings plan you have provided to him. 1st - With just 10k in savings, he must require atleast of 3 months to have budget for his and mother's health insurance and his own term plan and emergency fund corpse. So it means he need to work on your ideas after atleast of march next year. 2nd while mentioning expenses or planning 50k for next five years, you haven't focused on how he will plan for Next years health and term plan premiums, which would also cost him, 25-30k, which means , in his each month expenses he need to add 2.5k extra amount, which reduces 50k monthly investing cum budgeting plan to 46-48k. If any feedbacks or checks on my question, anyone can loop in.

[@priyanshupriyadarshi0016]

Considering what he is earning now. 25-30+ k to year on year salary increment ho hi jaati hai. He didn't give exact numbers, but approximate. Baaki god's plan me kya ho ye to kaun hi jaanta hai.

[@buriburi_kun4020]

I get a feeling like the person might be Anirban Das Gupta the comedian because the way they speak and their quirks are very similar or maybe it's just a West Bengal effect on the way they speak Hindi.

[@komal610]

Hii sir Will you plz guide about how to buy a share ,what will be benifits and which companies shares will be buy ?

[@blossomblossom7528]

Superb ❤

[@DarthvaderO07-c8n]

Make videos for government employees too

[@mystikyogi]

Practically speaking 55k is not enough to buy a landed house, save for marriage, even flats are around 1.5cr in decent locality in city, we need around 2- 3 CR. He's creating unnecessary pressure on himself with house loan and also marriage. Either increase time horizon or cash somehow. I would suggest him to keep living on rent and dont take too much emotional stress as rent is paid by promoter and focus on increasing in main source of income OR after 5 years use the money from investment in pursuing high studies like investing on yourself that can give boost to his salary. Investment is just to save and maintain wealth from inflation and any downturn. Nobody got rich just by investing, those who got, it took really long time for them or they had huge sum of money to start with. Cheers!

[@footballnutmeg2069]

Kolkata is way more cheaper 2-3 cr is extravagant

[@deepakbhardwaj5665]

Completely agree with you.

[@shiladityasanyal5920]

It depends on the locality, i stay in proper kolkata here the flat rate for 2 bhk is 1.2 crore ​@@footballnutmeg2069

[@manishashanigram2908]

Very true

[@aryaunfiltered-arya]

I would appreciate your insights on ACKO Health Insurance. How would you rate their services and facilities? The benefits and features seem quite appealing, and I’m considering opting for their health insurance plan for my family.

[@insaafkaro009]

😂😂😂 and the 5th Objective pe ankur's reaction seen on his face.😅

[@BestofFoodIndia]

Rather then giving to promter.. whole family should have taken loan to build the house.. jo b upar banta wo rent se emi clear hota.. zamin life time sab ki rehti.. easily 70-80 lakhs m 4 floors no interior k sath banta

[@उज्ज्वल_xD]

70 lakh mein 4 floors? Kitne gaj mein banayega? 80?

[@BestofFoodIndia]

@उज्ज्वल_xD haa

[@PracticeEnglishwithAshim]

Sir which books you have read, please make a video on the books please.

[@nadeembashir2961]

Warikoo Sir, Could you please advise, if fundbazaar is safe to invest or can start ? For mutual fund investment?

[@rajeshkumargupta80]

क्रिप्टोकरंसी के लिए कौन सा ऐप अपने सिलेक्ट किया है जरूर आप बताएं ऑल डिटेल वीडियो पर आप बना सकते हैं कैसे ओपन किया जा सके

[@pratiksag1]

Hi @ankur, Also please upload a video on how to deal with the loan application things to keep in mind while taking it. Points to consider/ask while taking loan. Could you help?

[@nithinyt6175]

my sister saves 2 lakhs per month she wants to buy a home of around 50 Lakhs please give suggestion regarding this equation

[@amritdubey789]

2lakh per month 😢😮😮

[@nithinyt6175]

@ yup they are in foreign

[@amritdubey789]

@@nithinyt6175 software engineer hai kya didi

[@nithinyt6175]

@ yeah like that

[@kartikbagdi9548]

​@@nithinyt61752 years ka andar ho jayega fir

[@gururamu4238]

Hi @warikoo I follow your advices with respect I am also in a very confused state right now. Will I be invited for the similar discussion?

[@nidhisarin7949]

Sir market niche ja rha h ....sabhi keh rhe h ye or giriga ...to kya mai SIP withdraw kr loon or invest krna band kr dun ....sir plz suggest me...

[@AnantArolkar-xi3cb]

Plz explain how a 42 yr housewife can start investing journey with mf sip of 5k to 6k for self sustainable future.

[@Chetanmadival]

Basically it's too late but not much try to increase the savings amount and then try into SIPs

[@peerzadaarif6935]

Hi Sir, How can I get in touch with you to discuss financial stability. I am from Kashmir India

[@manishapanda98]

I am confused, the current rent is being paid by the developer, so how come moving a place of his own will save him 10K . He is not paying it anyway right

[@thakurjaswantsingh]

Mater take away Pending 30k loan of higher education/16L FD Sell agriculture land/Property Hats off to caller!!!!

[@AICreativeClipz]

Thanks for 480 subscribers ❤❤

[@piya245]

Sir I request to you 🙏🙏 there is new in the market Named "Treasure NFT" . Please make a detailed video on this. Please

[@tousif6354]

Abi Main 19 years kaa hu maine "tata india pharma and healthcare fund" mutual funds main monthly 500rs ka sip kiyaa hai aur yearly 10% increase karungaa for long term keliye kyaa ye achchaa plan hai yaa nahi? Todaaa muje samjao sir

[@deepakbhardwaj5665]

Not a good plan, i am working under mutual fund distributor so thats why I am saying this

[@tousif6354]

​@deepakbhardwaj5665 then tell me what can i do?

[@alongwithmuskan]

MNC company name ?? Jisme work form home krte the

[@As-du5bv]

Sir , term and health insurance jaruri hai. But claim ke time pe company apni maani kar claim reject or settlement me delay krti hai. Phir aam insan kya kre .. jiske bhrose par wo premium jama krta hai

[@tilajagani367]

Hi , please guide how should I fill the form

[@keerthipriya385]

How to register for this money matters, im new member here

[@Dsuniquesattaking]

Sir ...mujhe aane wale 5 year me CR bnna hai ..kya me SIP se 5 saal me CR ban sakta hun sir

[@biswajitmalo6466]

Please provide me that excel sheet for investment my situation is same as the aman please

[@mahendrapillewan8694]

how he will be able to invest 20k in stocks after 40k home loan EMI starts???

[@sannar420]

After 5 years his salary will anyway get double .. so he can plan accordinlgy

[@NitinKumar-im6bu]

Worst advice I have ever heard …..what’s the point in saving 18 lakh rupees in 5 year and that 40 lakh loan…if he is having 26 lakh right now after selling his land and policy…brother go and buy that house immediately I u really want to take 25 lakh loan now not 40 lakh loan after 5year for the same house….

[@AmanRor-l1t]

Developer se ghr mil b toh skta h fr kya jurt h aaj loan lene ki

[@nirmalsn736]

Be a creator who give best advice or just stop blabbering.

[@DeepTalksandtravels]

Abhi toh inhone job start kiya hai, after work gap plus emergency funds nahi hai, insurance bhi nahi hai. Toh in that way what Ankur has suggested is apt much lower risk. Ha inke rentals bhi lower hai

[@dhanugaming095]

What about the tax that he will pay towards the government after diluting the 26 lakhs?

[@RaviKumar-wg9zm]

Tu apna mu band rakh

[@harshitsachan3912]

Ankur which app you use for investing in crypto coins? That's safe

[@dhruv5373]

Pls make a short video on ulip

[@24pranjalkaverinaveen65]

Mujhe finecial planning karni hai meri age 40 h. Lekin samjh nhi aa rha hai. Specially education based.

[@PrathamKarua]

Sir SIP kaisa krta hai aus pa ek tutorial bana dejiya na plzz

[@darfaisal351]

sir I'm a student and I'm the only son of my family. my father is not able to work due to health issues. so I'm doing part time job. After all my expenditures i can save only 500-1000 rupees per month. please sir tell me how and where can i invest this small amount so that in my future this will be helpful for me. I'm new in investing field I don't know anything. so please guide me sir .

[@HimeshSelote]

mutual fund is only way

[@darfaisal351]

@HimeshSelote kisay start kru ma bro .aur kider kro please bro guide me.

[@AmanKumar-ld1gf]

Bro rather than invest pahle apne skills or education pr focus kro or kuch accha zyda salary waala job kro uske baad invest krna pahla goal rakho apne salary ko increase krna minmum 30k month ​@@darfaisal351

[@Anonymous-ef4sz]

500 SIP Aur 500 ka NPS ya PPF kar dijiye so that apke parents' ke future safe rahega

[@militarymight1947]

Bro rather than investing in stocks or mutual funds u need to invest in urself. With good education u will get a job with good salary

[@RJ-xt7md]

Please read the disclaimer

[@mahendrachaudhary7873]

How to apply n charges plz

[@AkhileshMehtaIndore]

Financial planning P2P depend karti hai, isliye iska koi matlab nahi baki sabhi k liye.

[@SahityaReddyIam]

I like it when you share your excel sheet :/

[@munishchoudhary3797]

Please sir ek video banao Next year mai retired ho rha hu Meri age 36 My monthly pension - 35000 around Retired fund - 50 lakh No loan No EMI monthly expense - 50000 How to manage

[@koppewar]

Invest in 2 hybrid funds wait for an year or two then you can do swp

[@militarymight1947]

Most probably ur from defence Bhai monthly expense ko dhyan ma rakhte hua aap dusri job karo. U can easily gate a job with handsome salary

[@amjidkhan.97]

Last month se mai ne b mutual fund mai monthly SIP start kya with₹5000 now after 1 month my ₹5000 less hokar around ₹4700 ho gya now i want to know i should continue my investment or not someone please help me regarding this. I dont have any experience in mutual funds

[@aayushmangal2584]

Aapko continue karna chaiye , future mein 5-7 saal baad yahi aapko acha return dega

[@manishkamble4502]

Pls continue

[@roop3321]

Ankur ji, kindly make detailed video on best health term insurance for self ( 34 yrs)and Mother( 58 yrs)... Don't know anything how to select.

[@GamingBiome1997]

Sir I want to start investing as a teenager please guide and tell how and where to put and divide the money

[@sachindhoni2601]

Pehle kama le

[@GamingBiome1997]

@sachindhoni2601 abhi se investing karunga toh future stable,safe aur secure rahega

[@sachindhoni2601]

@@GamingBiome1997 invest krne ke liye paise to hone chahiye

[@nitinvasava4771]

Sir I salute to you

[@sureshfadikar55]

Happy New R 2025 Sar Je Nippon india ETF Nifty.Bees. Ka 1 Video Dalo please

[@arijitchowdhury2576]

How can I fill this money matters form

[@entertainmentworld3916]

Link is given by ankur pinned comment

[@ankit2s2kumar]

Hlo sir help me Sir main ak student hu or mere pass 15k scholarship hai main kaha invest kru jisse ki mujhe kuch acha return mil jaye main high risks le skta hu 🙏🙏🙏🙏🙏🙏🙏🙏Plz help

[@abyrocky6349]

I want to have this session

[@mridulroy9229]

That diluting of 16 lakh post ofice mis. That is bad. Dont do. U can reinvest in 1 time mf of equity. *not f&o*

[@greenbrenna]

समझ नहीं आता लोग क्यों इंतजार कर रहे हैं। X

[@harikishan1901]

Sir mane form flip Kiya tha lakin abhi Tak no nhi aaya

[@vishalsachdev9334]

Sir I have 1lakh now I want to invest can you please guide me how to?

[@KamalKan-u5s]

Sar ji mere ko bhi saving karna hai kaise saving Karen Ham to utna padhe likhe Nahin hai 20000 salary mahine ko uthate hain usmein kaise saving Karen

[@petslife5666]

Please suggest something for Muslims who can't take loan

[@dharmudharam8356]

Sir m apse future plan decide Krna chahta hu kese contact kru

[@amritdubey789]

❤❤❤warikooo sir

[@indranilkhatua931]

I am really have a problem, I am confused some investment and where I am make a house. So please help me out.

[@AnkurWarikoo0001]

What's app

[@AnkurWarikoo0001]

+151

[@AnkurWarikoo0001]

8224

[@AnkurWarikoo0001]

4796

[@indranilkhatua931]

How can join with you

[@mohammedirfan9614]

Sir i need some guidance i have filled the form lots of time but no response can you please help me on this

[@jatindhawan3132]

You always focus on TERM INSURANCE but now a days even TERM INSURANCE offers money back, what are your thoughts on MONEY BACK TERM INSURANCE

[@akashagrawal9323]

How is he earning 10k interest? Would love to know that

[@asmit6377]

Post office schemes hote hai, which r similar to FDs in banks.

[@akashagrawal9323]

@asmit6377 Thank you That means he is getting 7.5% for 16 lakhs invested.

[@asmit6377]

@@akashagrawal9323 yup

[@asmit6377]

@@akashagrawal9323 yup, kinda!

[@Satyaa1कमांडों]

Sir aapki Book Hindi mein available hai kya

[@rekhagupta7352]

Sir m 55 years ki hu. Mene bhi form bhara hai. Please select kar lo.

[@RiaPaul-v5l]

Confusing advice. Not clear all details.

[@KhetaniPriyanshi-z7l]

You are living in india

[@avirupray3158]

Bhai ne lokhhir bhandar bhi add kar diya😅

[@troller3811]

😂 1000 rupee

[@ShaluSood-z1t]

Great content is. I traded well on my demo account but when I invested in to my main account I lost all my funds. Please I need an expert to assist me with my trading. It's frustrating how people loss funds in this trading. I really feel so bad.

[@Financewithsiddharthmodi]

I can help u invest

[@Financewithsiddharthmodi]

Invest not trade