From Paying EMIs to Earning 76k Passive Income in JUST 5 Years?

[@WintWealthYT]

Fill this form to be featured on Wint Wealth: forms.gle/iuUgM7fyGTfUUiVE9

[@tahirisaid2693]

Making money should be a routine. The secret to making a million is making better investment.

[@KentBrono]

Consistent and smart investing is key to building wealth. Making informed investment decisions regularly can significantly increase your chances of reaching that million-dollar milestone.

[@Williamesq12327]

You're right! I've been in touch with a financial advisor ever since I started my business. Knowing today's culture, The challenge is knowing when to purchase or sell when investing in trending stocks, which is pretty simple. On my portfolio, which has grown over $900k in a little over a year, my adviser chooses entry and exit orders.

[@Lemariecooper]

Please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch if you don't mind

[@Williamesq12327]

Nicole Anastasia Plumlee is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@Lemariecooper]

Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance

[@Lakshmanan_raman]

He is probably the first person I find on the internet talking positively about Real estate investment. Not saying which is good or bad but stating blunt facts.

[@rajangogia2518]

Follow Sango life sutras , sango real estate, Amit Sangwan is the no. 1 guy who talks clearly about real estate benefits over mutual fund or stocks

[@familymantelugu]

There is good and bad in every Asset class, he is talking about what he has did, he is not saying Go and buy real estate, Even i believe in real estate, buying real estate is all about when do you enter, I mean at what price point do you purchase a property.

[@ajishpinkybell4938]

looks like "working in Qatar" gave him an edge. Working in Income Tax Free country makes significant difference . ( pls don't tell me i am not patriotic 🙂). Create wealth from such places and invest in India, create jobs and be part of India's growth...

[@jaganrym1]

True but if you plan investments early and wont fall in to unworthy investments.. you can achieve the same.

[@RBVijeyShankar]

You missed a point. Getting paid tax free in a country like Qatar, and he returned just before covid lockdown. Expense in lower denomination would have skyrocketed his disposable income.

[@pranayk37]

Qatar played a huge role, agreed. But I also think seeing that financial setback in 2019 really made him hunker down on saving aggressively

[@saiprasad683]

True

[@thelostdoc5292]

If u look for an excuse,u will aways find one..The intent is important

[@AmitRedkar1]

4 cr net worth and he doesn't own a car. Instead uses a bicycle to go to office. Bro is an example of smart and simplistic living.

[@rajatrajput5045]

What's the point of having 4CR worth if he can't even use a car happily

[@wennwenn1422]

@@rajatrajput5045 leave it bro. That guy is conditioned by finance influencers while they themselves have luxury cars.

[@ankitbrother]

@@rajatrajput5045 i am same, i dont have 4cr figure yet but good enough corpus, people like us simply dont feel unhappy or envy using cycles to commute, keeps me healthy and also saves time as i stay near office paying extra money (around 50K for 2bhk sharing) , time is more important for us as we can work on income sources (i run a blog for 4 years now that gives over 60-70K monthly now) F*uck cars anyways Simply different people at their core

[@Being-critical]

I think cycle is good as it takes care of his health and also he can rent a car anytime as per his requirements. I also don't have any debt and i like touring on bicycle

[@rajatrajput5045]

@@wennwenn1422 exactly that's what my point is..

[@freedomisEexpensive-08]

I’m a god of devaluation, I buy it and it goes down! Why I can't make earnings is beyond me. It can be annoying how volatile the market is. How can I ride this fresh wave of all-time highs without getting burned again with $450k set aside to get fully invested this year?

[@MiddleclassAmerican-7220]

I think the whole thing about holding stocks for long term will always apply. So I think you should get a quality broker who is able to analyze and pick stocks that will do well in the long term, else you will be in a long bear ride.

[@NotyourBusiness-urto6]

You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a broker, even though I was skeptical at first, and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an analyst.

[@lincoln-tser]

This sound interesting. I’m not really one to use pro analysts, but I guess it would not hurt to try one. My portfolio is in the red waters right now

[@NotyourBusiness-urto6]

There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Melissa Elise Robinson for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.

[@GREGG-43]

She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing.

[@parinadoshi5052]

His clarity of thought comes through in this interview. He recognises his investing mistakes and knows what works for him and his behaviour pattern.

[@suhaibcherukunnon1698]

Finally real people are sharing knowledge, no more jargons

[@sagarbm4283]

His upbringing made him invest in real estate more than anything else. But he's a practical guy, who knows his risk appetite. Great interview. Keep bringing such guys on!

[@guharup]

Good kid. Story in many Indian households. Someone naturally and silently took all the responsibility

[@HorrorSuggestions-pc9uc]

RULE NO1 GET A JOB, or even u are self Employed INVEST EARLY

[@kirankishore9934]

Those are 2 rules. Getting a job early has a huge probability of having a lower starting salary especially in India.

[@findingfacts7841]

Exactly... He is able to make real estate assets because his salary gives a strong base.

[@GunjanShah1000]

First important point # Tax free income from Qatar has played major important role here Second point# slow and steady appreciation in real estate. Equity market is more volatile, we always end up re-balancing our portfolio. Third point # Investment in commercial property gives good return in long run as compared to residential property. Fourth point # Check due diligence about build and land before buying property. Take benefit of the rates during pre-launch and enjoy appreciation later.

[@sagarjambukar7137]

Learnt lot of lessons from this interview. Though I am primarily an equity investor I could relate with his point of view that one needs to make a lot of decisions frequently in equity as compared against real estate. Always need to be on your heels about what is happening worldwide. Liquidity can be both boon and curse - it’s most difficult devil to deal with in investing. 🤞

[@ChethanV-gi8io]

One of the best interviews in this channel.

[@subhabratadas2650]

The loan of the house was paid off by using the money received from the term insurance. Being a CA and a financial planner himself was this a rational decision? What happens to the future of his brother’s family? A lesson to learn and take into account.

[@rohitramchandani6165]

Rational decision, he is supporting his brothers family, so getting rid of debt is first priority

[@subhabratadas2650]

@@rohitramchandani6165 Sad but the truth of life is we tend to miss out on these small details that causes huge problems later. He is really a great gentleman (now) that is taking care of his brother’s family. But exhausting the insurance amount does raise a question. We often tend to choose dependence instead of freedom. Today this insurance amount should have been invested properly to be able to take care of the living costs and future large expenses of his brother’s family. If debt on the house was an issue it could be fixed by moving onto an affordable property. On this Independence Day it is sad we still chose to be dependent on others where there can be an opportunity for financial freedom.

[@MINATOYELLOWFLSH2005]

​@@rohitramchandani6165Usually every home loan has Group life insurance provided by the lender at the expense of the borrower. Why did they not take that. That's the cheapest form of the TP and he should have come with better idea to settle his loan with his TP. Family conditions won't remain same for forever.

[@CountingStars333]

His brothers part of debt.

[@subhabratadas2650]

@@CountingStars333 which he is now counting in his asset calculation for total wealth.

[@ContentArm]

This is a good slap on the face of people who claim that a job will never make you rich and business is the only way. Yes, his income boosted bcoz of Qatar but he got that opprtunity because he was good at his job.

[@saurabhgalinde779]

The guest has a very good clarity on what he is doing. Really appreciate him for sharing valuable learnings with us.

[@binod-w8b]

Such an honest and calm guy! Love watching without skippng a sec. Thanks for bringing such stories.

[@pavanramappa7464]

He spoke his heart out when it came to the comparison of equity vs real estate.. totally agree with him!

[@pavan123454321]

Bro took monopoly seriously

[@tharakeshaba]

🤣😂

[@CaseyBrown-sx2px]

Successful people don't become that way overnight. most people see at a glance-wealth, a great career, purpose-is the result of hard work and hustle over time. I pray that anyone who reads this will be successful in life🙏🙏🙏

[@DylanDeSmedt]

you are right .

[@DylanDeSmedt]

Most people don't invest due to ignorance.

[@TildePoulsen]

But of a truth they are scammers but real brokers are out there too waiting for investors.

[@TildePoulsen]

So don't be scared of giving any one a try.

[@RodrigoRodrigues-sh1tn]

He is not like the other trader that will start telling you stories why their trade didn't go well after collecting your money..

[@nagendraprasadashwath7750]

Nice interview and my key learnings: a. Having a term insurance is important and it can ease financial burden b. if you do not have stomach for market volatility and if you are someone making decisions emotionally then stock market may not be good option for investments c. Do research on real estate and commercial properties can be good choice if you have a own roof d. Be humble and a cyclist (who is not good for an economy 😅) e. Take responsibility for you and your family and be the brave kid

[@drjitendravs]

WONDERFUL STORY WITH AN ABSOLUTELY CORRECT MINDSET. ❤❤❤

[@tejastupe]

Onsite se paisa bana hai. India me rehta to abhi tak ghis raha hota. Better to go out and earn. If possible, stay there only!!😮

[@SulekhaDhar-pj6xz]

Plus that "term plan" amount

[@GreenDriveIndia]

my bro is living in US, once he earns enough he wanted to come back,

[@tejastupe]

@@GreenDriveIndia Tell him to think through before coming back. I returned from the UK in 2019 after a 3 year stint there. I repent of that decision everyday.

[@Ritika19253]

@@tejastupewhy ?

[@GreenDriveIndia]

@@tejastupe if you go now..u won't regret coming back.. too much instability in UK

[@enthusiasticasian6189]

One thing that needs more clarity- his brothers insurance was invested on his lodha home so that makes the lodha home 50 percentage for his brothers family and 50 percentage for him. So if that property is 1.6 C, he owns 75-80L worth in that property. How come this point was not highlighted enuf in this interview?

[@sophiaandradekapadia]

.... currently I go on a bicycle to .... 🌷 thank you for bringing such real life stories of people moving from a -ve financial state to a positive, thriving financial one. I liked the honesty too when quizzed on "wouldn't equity / stocks give a better return" .... "in theory yes", emotionally no yes there is a human angle which must be taken into account

[@dayanwarsi616]

what a great story and massive kudos!

[@alishop7389]

Relatable. Very well asked questions.

[@meezankhan99]

Great.. Working in Qatar changed his life..

[@mitisrivastava]

I completely agree if you understand real estate it can do wonders….you can leverage and get the huge benefits….I bought one plot in Hyderabad 300 square yards worth of 8 lakhs in 2010 and now it’s above 1cr and now it is started growing because of government projects in surrounding…..i bought a plot in Lucknow worth of 25 lakhs in 2016 …one approval is pending if comes it comes it would be rise 1.75 cr otherwise it is merely double…..

[@PeaceLover8882]

Smart and serious investor. Good story for inspiration.

[@jayshah9765]

Dhiru Bhai. Truly inspirational. You have turned it around big time.

[@MySanjukta]

30 LPA CTC, sitting in a podcast ...me with 35 LPA CTC, scrolling reels and watching him.

[@rowenaravenclaw3483]

qatar has no income tax

[@rohi1255]

Me with 1.5 cr scrolling and replying to your comments, investment is a need for all don't worry. But all market looks very expensive

[@rohi1255]

Me with 1.5 cr scrolling and replying to your comments, investment is a need for all don't worry. But all market looks very expensive

[@warlord5488]

what do u do?

[@warlord5488]

@@rohi1255 what do u do?

[@TtoobeetTtoobeet]

It was due to the Qatar hike that he got a good corpus in...well done bro !!!

[@ali_edittz7]

Great informative and valuable video thank you wint

[@ajayjames8788]

Best videos ever, he is so down to earth and practical.

[@snklpktr]

I am becoming a fan of this channel. Real life stories from people who turned their life for good, are so inspiring and encouraging.

[@vivektiwari5064]

Bhai ko Qatar ki salary India m reh ke mili h wo b tax free isliye sari growth hui h. India m 30LPA m 6LPA tax deta to fir multiple real estate investments ka soch b nahi paata

[@shoryabeohar1816]

Sane here ..tax terrorism killing so many plan for indians

[@gakraju2]

Great interview!

[@yasserjinna]

Wonderful Happy for you And also learning experience 👏

[@manojchordia2888]

Great ! keep sharing stories of such ordinary folks who make it big.

[@22naman48]

Great content 🎉🎉🎉

[@kanagarajnainar6020]

Wonderful Bro 🎉

[@manojavr9365]

Your videos are really inspiring❤

[@JayAccountant-ff1ju]

Make more video how he manages so many properties

[@Alan_Jacob]

great guy

[@WintWealthYT]

That he is (:

[@gurpreetkakkar]

​@@WintWealthYT I have 3 CR asset value excluding ancestral. But cannot be this open due to current organisation clause.

[@jacksonjohn2181]

Good learning, especially interms of the advantages of real estate, and about the commercial properties. Thanks

[@justMRV]

I kept my phone aside and listening and that crik sound during numbers I felt there is an insect in home. I just searched for it and realised it's in video after 5mins

[@KayLee20103]

Nice interview. Bro is simplicity ka Avatar.

[@batista98854]

It looks like he anyway was financially sound to buy properties

[@manishasingh87]

It was his brother's term insurance which helped the family to sail through at that time.

[@2903salman]

Yes, brother's term insurance+ working in Qatar. These 2 were the gamechangers​@@manishasingh87

[@Options4475]

practical man , no car required paying a emi of 18000 in car plus 3000 in petro better take auto for whole family say 500 rs comes to max 15000 or take a scooty comes down to 5k emi plus 1200 petrol makes sense

[@prakash4627]

TERM INSURANCE IS ALSO PLAYED IMPORTANT ROLE IN HIS BROTHER HOME LOAN CASE

[@sunmoon4520]

Hats off for taking care of entire family. Common story of FIRE in India. Either you work outside India or inherit money or inherit business or at least have Double income or Luck😅

[@bvlal86]

❤👍Expecting more stories

[@CA_SmitKalaria]

Finally other then from IT Field

[@Nayanyatish]

Nice episode guys keep the good work

[@ngng1244]

Hi ...very nice planning by him..kindly please share about the taxation rate part of the rent that he is getting...whether that is also tax free or is part of ITR 2 that he files?also not much is told about whether the house is owned by him only or his brother also..as his brothers term life insurance was used to pay for reducing the loan...whether he will have to pay back the 50L to his brother in case he is claiming the property?

[@karthikarvindcs]

The problem in real estate is that even the passive income in not a guaranteed. Tenants can stop paying and we will end up dealing with politicians and gundas or at a civil court.

[@karandua6564]

At 9:44 why didn't you consider the rent he has been getting?

[@abhisheksharma1700]

Exactly, instead now the rent would have been able to bought equity. He is actually quite intelligent financially. as opposite to what interviewer is trying to direct.

[@jayaprasadgajam3803]

there is a gap between initial amount and possession, so rent won't be coming for some time though

[@limitlessgo8039]

Best wishes bro.,...

[@Nidhi.pranchal]

Please analysis video for early retirement portfolio in india.with assets allocation? Dividend income? Rental income? Please analysis dabur vs hul vs tata consumer vs dmart? Which is best for portfolio as a FMCG share?

[@Howto-pm2if]

30-40k monthly expenses in Mumbai with family, NOT POSSIBLE

[@crimsoncad3230]

Why did you skip the part where he was explaining the process selecting under construction projects with low risk?

[@debchak27]

in one sentence - can someone calculate the XIRR of the real estate portfolio of the guest ? And then just compare with equity. Decision simplified . ain't it ?

[@jeswinjoseph8525]

nice one

[@sarthaksanatani05]

80k emi passive income 76000 i dont think this is classified as fully successful passive Income

[@karthiknl4824]

I don't understand why people say that ULIP gives lesser returns than FD. My ULIP plan is 6 years old now and I am getting about 10% CAGR. Do people have a misconception of it or don't they know to calculate?

[@0nlypets_world]

short story he got lucky long story : hes smart to make decison during pandemic

[@thegoodtimegirl]

How is EMI an expense! If he is staying in the house which he bought, he can count the rent foregone as his expense but an EMI is definitely not an expense.

[@raghavendrav6651]

Ideally, Rent saved is income, interest element in EMI is expense, net should be checked if the one who is evaluating intelligent, heshould factor inflation in his computation

[@lfcrants327]

I think working abroad gave him an edge because at that package if you have other responsibilities, it will be difficult. I think for real estate only makes sense when you can pay at least 40 percent of the amount as down payment as most of the interest is being taken in the early tenure of the loan. And for that down payment you need either to go outside India accumulate the corpus and come back or make money trading/business or whatever. Staying in India and earning that much will take some time. Please correct me if I am wrong.

[@tradeiteasyy]

Voice is like Harshad Mehta ..who all will agree , give a like ?

[@prashunpcchakraborty70]

He is allowed to have his opinion on equity... wrong though it may be

[@MyThebest777]

It's all about your mindset , Best Interview ever.

[@pranayk37]

What a guy

[@prashantmorwal908]

Brilliant guy!!

[@Vignesh-yv6ct]

one thing i didnt understand he have 80 lakhs stocks and 2cr property purchase value with a jobbb... is he have some additioal income or father money

[@bvudoc8675]

Qatar money

[@SK-gx5jx]

chawl house vasis home buy 25 lakhs 2019- sell 40 lakhs LODHA LUXIRIO majiwada 1.4 cr buy now price1.6 cr HOME 80 LAKHS WAGLE ESATATE purhcase 70 lakhs-- now 1 CR --rent 50 rent KALYAN SHOP purchase 43.7--now maket price 80 lakhs -26000 rent KHARGAR purchase 95 lakhs current cost 1.35 cr -exptected rent 75000 passive income of 76000 rs later on 1.5 lakhs rent 5% GOLD

[@EVikasamapp]

Save and invest early… enjoy the beautiful time

[@MoneyMindset-Manish]

Made nice 📹

[@kanupriyasharma3022]

Qatar/Kuwait/Dubai/Saudi arab se pesa kamai karne bale bahut he

[@Cricketkeda28]

This guy has already came in shravan podcast, please try to bring the fresh ones

[@goodgoing4615]

What a stupid logic. Not every one has seen him in Shravan podcast.f off.

[@dhrumitkumarpatel8855]

Nice

[@sunitshah2624]

Working in qatar, 30k rent and around 50k in emi.. 3lacs investment? Where are the monthly 1.6 lacs went ??

[@thewanderingone7659]

Any input for this I have a existing car loan at 8% ROI the balance amount is about 6,10,000/- my bank allows me for foreclosure with 3% charges on outstanding principal. Would it be the right thing to pay the remaining outstanding amount and close my car loan after withdrawal of the required amount from my PF with gives me a intrest of 7.1%.

[@AIFlickFactory]

How much did you invest in gemstones 😊

[@rahulswaroop8843]

Mileage is very low , I agree with it if its petrol model.

[@PramodKumarmdp]

All good things happened due to 4lakh per month salary.

[@jeeiee_com]

Double tap on this comment if you are debtless (no emi) like me.

[@gowrishanker6359]

I disliked your comment because debt is all I have.

[@virtexamit]

If we earn in euro usd or other good currency then inr we can jump quickly reduce time of getting cr.

[@jeeiee_com]

On the way

[@tirthendubagchi2154]

bhai he is Mumbai based CA .. yeh Sara real estate is through white money I don't buy the BS .

[@nooruddinraotiwala353]

there are 2 types of CA one who belives in the potential of stock market and the other who believes in the potential of real estate!!!

[@sahilagrawal9799]

he is really a source of inspiration

[@okayMrN]

Does the house had great vastu dosh as it ate away One whole family... Did you consider checking

[@shivanandapandey6097]

He has right reasoning

[@Indian-r6i]

Equity will stress you out a small movement will bring anxiety

[@sumanbhave6441]

Nothing adds up in this video SIP for 14 years, evenif we take 20k monthly amount and 20% return, will not even generate 1cr There must be either huge lumpsum investment more than 2cr or something else that the person did not share

[@leftarmorthodox]

Diversification is the key..

[@sathishkumarcisco]

i think same persone interviewed before

[@commentwithoutfilter]

This logic of 35 lakhs invested in Stock will double and it’s liquid logic doesn’t work for a simple reason, a individual will not put the entire money on one stock vis a vis putting 1-5 lakhs in one stock. The possibility of 1 or 5 lakh getting doubled is higher than 35 lakh getting doubled

[@imprdp]

don't why people tell their financial story to the world?