Why Salaried People Don’t Have Savings ?

Are you tired of living paycheck to paycheck? Struggling to save for your future? You're not alone. In this video, we explore the financial challenges that salaried individuals face and offer practical solutions to help you build a brighter financial future.
In today's video, we dive deep into the four major expenses that often drain our hard-earned money, making it seem impossible to save. We address topics like Buying a Car, Children's Marriage, Children's Education, Buying a Home etc.
You’ll learn how to trim your expenses in these areas and make your hard-earned money work for you.
Saving money doesn't have to mean sacrifice; it's about making smarter choices.
00:00 - Introduction
03:00 - Planning to buy a house? Watch this first
05:35 - How to save money on weddings
06:30 - Watch this before buying your next car
09:15 - Simple ways to reduce your expenses
12:20 - Save 6 years of income on weddings by doing this
14:16 - Thumb rule to buy a car
15:47 - Minimise your regular expenses by doing this
18:32 - Find India’s safest stocks here!
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[@pranjalkamra]

Some clarifications 1. Salary increment wmd inflation not included cause if salary increases, toh mehengai bhi badhegi so baat barabar hai 2. I should have included atleast 2 cars over 30 year period, so add that in ur calculations

[@debo1302]

Hi dada, I want to ask those who are already finology one members do they need to register in Finology30 separately or it will be available by default for finology one members???Take love dada... Love and trust finology family❤❤❤

[@irobot992]

Hi Pankaj, really impressed with your thought process. Thanks for this vid. Just wondering, can you offer a free trial for the finology subscription to checkout benefits?

[@cmo]

bro inflation ke mukable salary jyada badti hai, insaan new skills new experience aquire krta hai, uski value badti hai over the years, or jo experienced professional hote hai wo acha khasa kamate hai, inflation to 7% - 8% hota hai, chalo 10% bhi maan lete hai, but promotions hote hai to 30% , 50% ya 100% bhi increments hote hai, yeh sab kon ginega????

[@cmo]

and one more thing bro, savings rakh ke kya krna hai, jab aapne ghar, gadi, bachcho ki education, bachcho ki saadi, health insurance, life insurance , yeh sab le liya hai, or iske aage or paise bacha ke kya karoge??? aapke bachche to already europe me padhke kamane layak ho jaaenge , plus aapka liya hua ghar usko achchi khaasi value de dega, or wo bhi apni life me kaamaega... or savings krke kya bhagwaan ke paas le jaaoge?

[@arjun3248]

You missed cost of divorce

[@srinivaskhode9026]

I got married in second lockdown. So the government imposed guest limit was max. 50 people. No relative was disappointed for not being invited and I saved a ton on expenses 😂

[@binayakgshankar9188]

Masterstroke, those 50 people were close ones or you choose through lottery?

[@jagatsingh9970]

Same

[@Buddha420ii]

​@@binayakgshankar9188obviously lottery😂😂😂😂

[@ashishpawar2534]

I’m also beneficiary of this beautiful scheme 😅😂

[@ZubairGaming-YT]

Same Here😂😂

[@teresaskitchen2020]

That's why it's so important for each individual in a family to start earning as soon as possible. If there's a will, there will be a way.

[@9669sumit]

Even a positive attitude of family members towards money helps. If the family itself starts saying you make this much amount of money can't you spend a portion of it on traveling, shopping, vacations, cars etc.

[@rajeshkumarjha1536]

​@@_WhoAmI-is liye tmko latiyaya gaya hai😂

[@deepakbisht4957]

It's not about earning as soon as possible 🤦. It's about investing in your career first then starting earning a good chunk of money...

[@binayakgshankar9188]

Yes, the entire game is of mindset, I have seen people earning 35k-50k and are living better settled than the ones earning 100k K per month. They buy gold, minimalistic house, no unnecessary show off.

[@zade-wq9kb]

Agreed

[@Usmaan-tariq]

Exactly

[@purannegi7287]

Me to bolta hun acche logon se dosti rakho jo financially Strong ho.. khud bhi wo log accha jiwan jite hain aur aapko bhi sahi guidence dete hain❤

[@pratikpratik7910]

My marriage income was less than my monthly salary. In all the functions I invited only close relatives. No neighbours. This helped me save a lot. The same savings I will use for my kids education.

[@gulzarakhtar9383]

Aapke rishtedaar baat nhi banate

[@chetanpratap8510]

​@@gulzarakhtar9383😂😂

[@billionairespeech1165]

Bhai sabko mandir main shadi nii krni hoti

[@mahendrakumargouda4130]

😂😂😂 I didn't pay Ganesh pooja chanda to save 1000(This year),which was necessary that time.. My friends are not talking with me 😢.

[@vinaypsingh86]

u mean, your marriage expenses ?

[@papiyamazumder2215]

" 2 days ko better banane ke liye, 98 days ko ordinary banaa dete hai " a very well placed thought ! Thank you for making such fact based insightful and relevant video...Sir !🙏🙏

[@kumarsaurabh6926]

Words can't explain how difficult it is to see practical side and thanks to you for presenting to the world. Thanks is not enough but still best wishes for your life.

[@debarghamandal3018]

EMI is nothing less than a life partner this days😢

[@ullaslr7961]

True.. Only life partner which everyone wants to give divorce to and get separated with ASAP 😂

[@dude30997]

Very sad but true

[@TrishulVlog]

Pranjal sir apki baat se maine 6 months se saving shuru kr di jo pehle kbhi nhi ki thanks to you sir

[@zdarr6188]

Pranjal, this video is eye opening. I am earning and have just started my career, and I am in my third year of working. I have recently bought a car for myself which I feel happy everyday driving. And yes, it fit into the requirement of not being more than 2 years income. I too use iPhone and ave bought the latest model, and it also gives me immense happiness everyday. I don’t know for how long I will be on this earth, but I feel we can spend well to enhance the quality of our life. My car will be used as the primary one for our house, and I feel very happy to be able to afford it and provide the comfort to my aged parents.

[@4myhome]

Amir aadmi koe kami nhi hai

[@ytdesert3581]

If want to live happy, don't listen financial advisor

[@jacksparrow2067]

सबसे अच्छा है की मोह माया छोड़कर बैरागी बन जाओ । कोई झंझट ही नहीं रहेगा ।

[@roronoazorro8822]

I would like to add what my father advised me. Whatever job or work you do, whatever might be your monthly income. Still make sure to have another source of income from where you can make at least 25k extra each month. This 25k might sound very less but having it extra can reduce a lot of financial burden and stress. My father was a govt employee with 48k salary but he also ran a small Chemist shop in my grandmother's name, so he had a nice second source of income. I'm also going to follow him

[@piyushsharma4068]

25k extra 🤣🤣🤣🤣 bhai etni to kitne logo ki primary bhi nahi hotii 🤣🤣🤣

[@nabeelanashat2578]

@@piyushsharma4068 exactly!!

[@GojoArc0]

25k p.m second income ??? And you called it sounds less ?? Brotha it's not even my primary income 😂😂😂

[@tovikasho1367]

So your father earned money illegally. No gov employee can run or own another business.

[@thunderbeast9831]

25k kam bolne wale ko kya gali du

[@monoj14]

Thank God at the age of 33 and 8 years of my job ..I built new house , I got marriage , retirement plan investment. 👍🏾

[@Godnoddy]

It's your fate . 😪

[@ayeshasiddeqi5263]

​@@Godnoddyit's his hard work

[@SamratCharvak]

Give me advice bro

[@monoj14]

Simple living buy only necessary items, limit extra spending, focus to complete your goal

[@Godnoddy]

@@monoj14 nice

[@parvinsultana2010]

Very practical suggestions. What I liked is you didn’t give any magical formula to double one’s income, rather how to reformulate one’s financial priorities and manage within one’s limited income. I have a decent salary but I don’t have very good savings. This have changed my perspective to an extent 🙂

[@s-n32]

What I believe is we Indians believe in saving, no one thinks about increasing income no one what's to work hard. Then come and see these kinds of videos. Live as you want and make sure if you spend well you make sure you have the guts to earn more

[@arunachalac.s2313]

Facts! I can relate to the house part! I feel a house is a 2-3 generation property. Many of us have lost a house due to partition and as we had to migrate to a new city for a job. I suggest investing in a plot though on the outskirts of the city and live close to the office & school to get more time in hand for focusing on career and children. If you have a remote option, then you can live in the outskirts to reduce expenses. Cities are expanding so every suburb will develop today or tomorrow. Not commenting on other things.

[@anilparihar8342]

God bless you

[@atheismistheway581]

One of the finest and down to earth folks on yt... Following since his day 1...

[@Rreynu]

Superb informative video🧡in Rich Dad Poor Dad when I read for the first time that “money can’t solve your problems”…it took me months to understand that how accurate the statement was…it all depends on the mind set..who earns 10k n have the habit of spending 12k ..will even spend more when the income will multiply. Thank you for sharing the valuable insights😊.

[@deepakthakran4054]

realised that i am one of them jo ye sb already follow krta ara h from last 2-3 yrs jb se financially educate hua hu, credit goes to very good content creators like you who made us financially literate & me also for following the same. 😊

[@swetasinha8419]

Same

[@sahulprajapati7998]

Dear pranjal mai apne father ko ye video dikauga aur mai apki video previous 2years seen and I agree this video ❤

[@TheSharad97]

Thanks to God. I started saving from my first job itself 10 years back 😏

[@rohitshrivastava4318]

I wish my parents could have gotten this kind of financial advice

[@shishirkarkera7577]

Atleast you are able to watch youtube videos, be grateful for that.

[@sandipankhan1994]

Pranjal ji, this comment comes from my heart. I watch many videos from many finfluencers. Being a banker, I too advise my customers to save and invest. I did find out these major expenses of our life too but most of the finfluencers say to live a frugal life. Many talk about financial freedom which has been in trend in recent days. I am an old school person and believe in simple ways of living, saving and investment. The bifurcation of salary and also person wise in a family is the reality. The presentation of this life upgradation is the reality and you have said it in very simple manner. Thank you for understanding the true middle class. Most of us are in the same boat. If you are reading my comment, I would request you to make a detailed video of savings, investment strategy and retirement of government employees as this is one of the most not spoken topic. Every finfluencers assume 10% incremental salary and calculate the returns. But we have totally different salary structure where 50:30:20 rule is a bit tricky too. Gross and net salary has huge differences. So, this is a request from a youtube friend to decode this confusion. Love from Sandipan. ❤

[@ageless1003]

You make a video. Why depend on others ?

[@uncertain1618]

90% people watching this video, who don’t even have job 😂

[@dilipmehtabilu]

But I have😂😂

[@kanisque]

Why would you say so?

[@himanshufen]

Ha toh bhai abhi dekh lete h baadme kaam aajeyga 😂

[@xyz_sonic]

90% and he is one of them 😂

[@CHAHATKITCHEN]

Income sab ki hoti h

[@mainhugopal]

It's absolutely true ekdam relatable yearly my salary is increasing and my lifestyle also changing I am spending more than before

[@ashishchavan748]

Me and my wife earn 70k per month living in Mumbai, and we are facing the same problem. Every month there is an unexpected expense and we couldn't save anything.

[@bismeetsingh352]

U need an increase in income here

[@TheVikramJoshi]

For marriage, both bride and groom should spend not more than their 6 months salary. Same goes with Car, car price (not down payment, but total cost) should not be more than 6 month of your annual household income.

[@Banzybanz]

Bride and groom should spend 0% of their salary on their own wedding. They should save all of that for their actual married life. Marriage is a family affair and wedding expenses should be borne entirely by the parents.

[@TheVikramJoshi]

@@Banzybanz lol, one should not dare to debauch his/her "Khandan ki Shaan", is it?

[@jigargandhi1654]

Why salaried people dont have savings? Marriage... It's the root cause of every problems. Wife's money will remain her, husbands money is family's money. So he will never save anything for himself. I m 38 divorced from mumbai. My wife used my body, my money n drained me emotionally. Daily arguments, no work at home, no respect, no financial contribution, no true love and threat me every day and doubts on me and had eye on my money and property. Best solution is to stop marriage, no kids and stay stress free life with lovely pets and parents and save money for ur self. kids after some age don't stay with parents to look after in old age.

[@tushar7778]

It's because lack of experience with female nature I bet you never had a girlfriend before and it's arranged marriage. It's because you don't know how to deal with women. Don't blame marriage. Because you failed as a man. Just Making lot of money doesn't make you man.

[@cursedapple6901]

So sorry to hear that brother. I hope you're doing alright... Stay strong man.

[@jigargandhi1654]

@@cursedapple6901 Yes bro..I am doing fine and now happy to live for myself rather than someone else who may not be loyal.

[@rahulr6381]

Mere papa ka salary 50k hai aur unhone shadi me dahej 35 lakh diya...jindagi bhar ka kamai khatam.

[@jigargandhi1654]

@@rahulr6381 Dekha! Shaadi is root cause of all problems in our life. Can we love ourselves and live with pets? Imagine no stress, freedom and true love of pets.

[@dummybusiness3520]

Bro 😭 this is harsh reality of all middle class family , one of best videos i have seen

[@yashraj8303]

Pranjal motivates us not to do marriage.😂😂😂😂

[@vivekvk45vk]

Also not to increase population 😅.

[@rahulvasudeva9303]

Exactly, if u get the wrong partner , u have to pay maintenance and on divorce have to pay a heavy amount. Marriage becomes a curse.

[@ageless1003]

​@@rahulvasudeva9303yes, I'd say stay alone n live your lyf the way you want.

[@ashutosht10]

Good initiative. Population burst se bacho bhai

[@acjdgpr]

Baccho ki shaadi is one of the most vain expenses that people feel pressurised to incur. I am not taking about those who can easily afford it but the problem is with those who want to ape the super rich class. Give your children good education fund their college edu if you can, shaadi should be self funded which will also ensure that folks don't go over budget trying to get married. If you want to support during wedding then give the money to your children as an fd and let them decide how to invest it.

[@rohitpatel656]

So agree we have fell in this trap

[@chinmayt95]

parentel generation was very much good at financial discussion because at that time there not much product available in the market and and buying power is not as much at that time . but when i see current generation people are very much materialistic the best example is iphone every year it launch people buy at crazy price . buy product which last long valuable people should create enough saving in fixed deposite .The best financial teacher is our parent we should understand the value of earning and saving .

[@ShivamSingh-xh1qp]

Such an amazing analysis! Worth watching multiple times.

[@Factkhorofficial]

If there is any video on: how to manage finances / how to built wealth / how to spend sensibly / how to manage long term - mid term finances that too without comrposmosing much on lifestyle and also how India can double its rising lakhpati and CrorepatI, then this is it. BRILLIANT. MUST WATCH. 👍👍👍

[@ashitnayak1912]

It has been years since I am following Pranjal and by far the best and most sensible financial advisor. Thank you for your efforts. Always wait for your content.

[@pranjalkamra]

Thanks a ton

[@ashitnayak1912]

@@pranjalkamra ,,🙏

[@alokgupta6918]

Style hi alag hai Pranjal ki.... 😊 Salute boss

[@soumyaranjandas8646]

Very accurate calculation. It is rather in lower side than higher.

[@juhipandey5140]

Amazing content! Please make a video on how to select an insurance policy if you have pre-existing medical conditions.

[@sminoketan]

It’s seems you are a good friend of mine I’m always listening you very carefully, this video is a awesome, thanks Brother

[@madhaviomjagtap]

Could you please provide information about land purchase, corporate gala or koi bhi shop, to get additional income? I want your point of view on this topic. Thanks for your guidance, it always help me. 🙏

[@tinley007]

Thank you....🙏 The clouds of barrier is getting better and better as I can see a blue sky ahead.

[@Sohinig823]

This is why i have decided to educate my children from a govt school.. the teachers there are very educated and with proper training and salary

[@Sj-yo9ks]

Great job pranjal. I have been following you since long time and all your videos are best over all other finfluencers . This video is the best video i have ever seen on internet , i always think about this but never thought you can hear or sense our thoughts too😂..I felt like my elder brother is just scolding me on the expenses and guiding me on savings. One item in my bucket list now to meet you sir 😊

[@mayurgupta136]

Once we understand the difference between assets and liabilities then all the financial problems will automatically get sort out. Like I follow simple rule that 75-80% of income/savings should go in building asset investments and rest in liabilities.

[@arcreations1700]

Very true. Usually i won't keep watsapp status. But i shared this video as watsapp. Thats proof how much i value this video

[@rahulshinde9324]

I really like the fact shared where the couple are earning. This is very true and point for car did not include ki car ab sirf 15 saal rakh sakte hai fir dusri khareedni padti hai

[@man1240]

Brilliantly analysed and dissected. I feel most of it applies to not just jobbers but to also business persons as well as professionals and freelancers as per their earning capacity and lifestyle

[@gayatrikadam9181]

Conclusion is it’s only the mindset which can make you wealthier even with the salary

[@ashrulochansahoo5154]

That's a great video. In between I thought why would I need to save more when I can provide good education to my children, a comfortable house to my family, and required amount of money in need. This video gave a new perception of where to spend more and where not to. 👏👏👏🙌

[@gopalakrishnanpattiary1336]

Thanks for the valuable tips and insights shared in this video. 👍

[@rohitkolekar5981]

Sir as always very informative video , Would you consider creating a video comparing buying a flat versus villa or constructing a house, taking into account the financial aspect when we have enough funds or can manage with minimal borrowing/loan ?

[@manendralalsahu7882]

आप बिल्कुल सही कह रहे हैं सर मेरा दोस्त हसबैंड वाइफ दोनों जॉब करते हैं लेकिन उसके पास कभी पैसा नहीं रहता सालों की कमाई बड़ा सा घर बनाने में लगा दिया!

[@DrKallalPramanik]

Bahut khoob, PK bhai, kaafi gehri socch👌 I appreciate the simplicity in the assumption of maintaining a steady income, as inflation tends to offset any increments. Lifestyle inflation often surpasses the increase in wholesale prices. Some individuals may be overly optimistic about significant salary increases, but they should consider that these increments level off as they age. Therefore, it is wise to make conservative assumptions regarding salary growth when engaging in financial planning. Additionally, we have not factored in household expenses such as home maintenance, fuel, groceries, dining, holidays, insurance, and domestic help, which can sometimes add up to as much as 40% of take-home income.

[@sushant-mankibaat.7361]

I really respect you bro... Keeping doing the nobel work you both are doing... Hats off to you guys.

[@unknowneditz4864]

Every video is unique, with full of leanings ❤ hats of to you Sir !! Keep posting videos on more financial topics, it helps us to improve our financial knowledge and brings confidence while making any financial decision!! Thank you finology and team ❤😊

[@pranjalkamra]

Thank u so so much 🙏🏼

[@prajwalwankhade4521]

❤

[@InvestmentBankingConsultant]

@pranjal - would you please create one video for people who are in 40s bracket, we are the victims who got financial knowledge just last 3-4 years and struggling with financial issues

[@ashishverma693]

Pranjal sir you don't know how you are making others life beautiful, big thanks to you.

[@aninditabasak9864]

Thank you so much for this video. ♥️

[@yoursandipan]

Truly an eye opening video. Thanks a lot for it

[@ganeshkumbhar7774]

It would be very helpful if you cover tax saving strategies for every 5 LPA (10, 15, etc)category

[@lakshmitejas1685]

For all choose new scheme

[@philbrooks1919]

my 3 years savings went into car purchase 9lacs+1lac maintenance with loan. but i started doing investments during covid. i already have home from parents. marriage will try to do frugally.

[@HarpreetSingh-xr6em]

Try I hope you succeeded todays girls are influenced by Instagram's brides

[@sonumahanta1531]

He is absolutely right.. I have seen this in my dad's case.

[@ravigorasiya4541]

You are my favourite financial advisor 🙏

[@sanjubhagat8005]

3 T shirt and 2 paint and 1 casual Mera Pura Year Nikal Jata hai and I also Feel Good 😊 and Decent "Simplicity is a key 🗝️ to success

[@nikhilkumar-YT]

Instead of spending more money in marriage party give that money to kids to buy house or spend on items that will be useful in future. We also aware that in today's era divorce ratio is also very much high due to financial stress on new married couples. So it's better to give that money to married couples so they will live happily.

[@arvindkumarmansagar5519]

Mai aapki video hamesha dekhta hu aur mujhe aapki har video mai kuch na kuch shikhne ko jarur milta hai.aapki video ke karan bahut baar planning change karna padta hai.Thank you Sir.

[@rakeshphukan422]

Nice presentation sir...u r right point of view... Today's inflation is very high... We middle class family failed to savings of money...bcoz salary increase 1000 but emi increase 4000...all kinds of loan is main enemy for us...

[@rastemmilengephirchltechlte]

16 lakh but no saving😢😢, this video is true...with this salary my budget did not allowed me to buy a new laptop which I need last few months because old laptop is 10 years old😢😢😢😢

[@random_person_on_internet]

10 saal purani laptop aaj bhi chal rahi hai? 😲

[@lakshmitejas1685]

​@@random_person_on_internetit will

[@abvivek]

@@random_person_on_internet my laptop is also working fine bought it in 2011.i don't use it for work.

[@rastemmilengephirchltechlte]

@@random_person_on_internet haan bro

[@rohitrai739]

Good joke

[@skedits10]

Teen Age me aapke video dekh lia hai ab future ki chinta hi nhi bas ab achhi job ya koi business me set hojae or income chalu hojae bs😊

[@ScaryBeats777_montage_creator]

Sure brother ....I wish you get what you want ......🙌🙌

[@KoushikDas2005]

Bhai main v yahi sochta tha , but sirf sochne se nahi hoga Videos dekh k hum views unke badha rhe

[@thalavi4665]

Thank you so much for this knowledge video ❤

[@Mr.NadeemKhan]

Thank you. Frankly speaking it's quite practical.

[@rajatraut1952]

For Indian people, whether it is a house or a car, they are not buying it just for the sake of buying it. They are taking it to show the society how expensive our everything is. And unfortunately this thinking will never change. "MINDSET"

[@ageless1003]

It will.

[@ijustankit]

Very insightful video ❤

[@thetradergrow]

जी आपने सही कहा 90% लोगों का salary घर खरीदने में ही चला जाता है

[@saikatmahapatra]

great analysis. thank you for guidance.

[@letsbefashionable7103]

Sir jee you are the solution of finance issues keep posting more relevant content sir

[@vickyAlways]

Your username 😅😅😅

[@ambitesh]

I have been saving since 2015. Mostly by contributing in PF, NPS, SIP, SUKANYA SAMRIDDHI and RD. I don't want to touch my savings for any new purchase (like house and car) and build a separate corpus for such expenses. Don't know how far I will go, but I'm expecting to have a good tension free retirement.

[@raunaqjuneja3533]

What is the saving amount from investment in 8 yrs if you May share

[@ambitesh]

@@raunaqjuneja3533 avg. 25k/month excluding PF

[@SM-ih3go]

You will see the result after 2035. Keep going dude! 👍

[@Rishleo]

Great Tip and analysis Thank you bhai ❤🎉

[@kinnerachippada]

Very useful video for me! U earned a subscriber!

[@drrandhirsingh8888]

Back to basics. One addon: avoid use of credit cards.

[@pranabkumardev]

Pranjal sir!, I have question regarding mutual funds investments.What percentage of distribution of my savings should i give to nifty 50 index,mid-cap,and small cap equity ? Sir please I need your answer...

[@MrPraveenroyal]

It depends on your age.

[@kashishdhawan9966]

Kudos for raising mentality angle to expenses.

[@shaikshaik2396]

Mere Dil ki baat, superb episode 👌👌

[@namanagarwal8341]

I understand your premise nicely but i do have some glaring omissions and simplifications that make this video less effective 1. Inflation not accounted for 2. Increment not accounted for. (For now i am assuming that increment is the same as inflation so they cancel each other out….but if this is the assumption then it should’ve been mentioned) 3. 1 car cant be used for 35 years of life. Government itself doesn’t allow a vehicle to run if its 10 years older in cities like delhi. Atleast in a period of 35 years 3 cars would be taken to sustain. These come out as glaring mistakes that are very obvious. But if i delve deeper there are a few more.

[@pranjalkamra]

Yes, that was the idea that inflation and increment cancel each other, but yes, should have been mentioned. 3. Agreed, should have been 3 cars

[@namanagarwal8341]

@@pranjalkamra thanks a lot pranjal for replying back to the comment. And you adding something similar in a pinned comment really does show that you are willing to accept small mistakes if any and your goal is really to improve the knowledge of people. I really appreciate the work you do and keep it up man. Your videos are a great source of learning

[@GauravSharma-si8fg]

My household income is 60lakh +... glad to know that I can buy some 1.2 Cr car😂 . Anyways, happy with my Honda City....great vdo Sir

[@ganeshshinde570]

Kya krte ho bhai? Ham kaise banaye 60 lakh income

[@udaysingh1066]

Bc ameeri

[@soumsgaming238]

Kya buisness karte ho??

[@GauravSharma-si8fg]

@@ganeshshinde570 my wife and I work as Management Consultants and make good money. I also have a small start-up. Thank you for asking!

[@GauravSharma-si8fg]

@@soumsgaming238 bhai achi job hai, business nai. Bas ek chota sa start-up bhi hai khud ka to jindagi sukoon se nikal rahi hai

[@Shethjee]

Wow great video, we never think this way or any one tell this, thank you so much to show reality to us

[@skinhealthfitness402]

Thank You For Upload This Video 🙏🏻

[@divyansh7228]

shadi hi na karo, 20 saal ki income bach gayi :) Best advise, Thank me later :))

[@Daisy-lh5xk]

Thank u

[@nabilhasan8043]

I am deciding 🙂

[@focusonstudies8331]

A good decision when u r in ur 20's.. But not after 30's!

[@AshishDiggi]

all we need is a financially educated partner jo faltu kharche na kre... baki shaadi bilkul nhi krna is not a wise decision in the long run.

[@Upanishadicsaint]

Fir gf ke karch ka kya.

[@Reza_Tales]

15k salary walo ko to tum ne depression me daal diya yaaar.............🥲🥲🥲🥲

[@warcraft6717]

😂😂

[@vasavavivek915]

😂😂😂

[@mohdanassheikh2096]

Laazmi hai

[@itsdpk22]

Dukh dard peeda

[@Reza_Tales]

@@itsdpk22 jo kbhi khatam nhi hoga🥴🥲🥺

[@mayanksinghshishodia]

Our home decides most of our expenses, if I would live in a poor neighbourhood, there will be less competition in cars, marriages, children education, etc. Show that you're living broke, eat good food and live stress free

[@friendshiprocks8673]

Wonderful advice

[@harrymacadams9765]

काफी अच्छा video बनाया है प्रांजल सर आपने

[@lakshyaagrawal688]

Brilliant. Specially from 16-19 mins 👍

[@tahirhusain4090]

In our culture we hardly spent 70k in marriage in Ladakh, but now external cultural influences are putting undue financial burden over people. Our financial burdens are showoffs and lifestyle imitation.

[@logicalmusaafir2103]

इंसान पैसे देखते ही अपनी जरूरतें पैदा कर लेता है

[@SunilKumar-gu9xh]

Good knowledge pranjal bhai🙏🙏🙏👍

[@jogekar84]

very nice video pranjal sir..we can reduce expenditure....great video bhai❤❤❤❤ great

[@abbongc5353]

The biggest challenge in today's world is to control your desires.

[@shubhsjbp]

Well, the better thumb rule for car is to keep a budget of 5 Months of your family income. I.e. 40% of your income.

[@DrKallalPramanik]

5 months of net income se bahut logo ka Alto top model se jyada kuch nahi ayega😅

[@kunalbanerjee5562]

​@@DrKallalPramanik😂 I bought Wagon R with my 3 months post tax salary

[@khandupol3876]

Sir good evening super knowledgable vidio sir KOTI KOTI NAMAN HAI aap ko ankhe kholdiya sir jeeeeed.

[@suhaibakhtar140]

great advice... thank you so much