First Copy this Google sheet and then you can edit it:- docs.google.com/spreadsheets/d/1jqWopE6egDSZgenPMa4o89Ri3UoqOKmTXtjWvIRxwLY/edit?usp=share_link Shubham Investment Course:- www.greatideasgreatlife.com/watch/full-investment-course-beginner-to-advance/ Shubham twitter handle twitter.com/Shubham_TLI Shubham KZitem channel www.youtube.com/@TheLogicalInvestor 200+ FREE Books in HINDI/ ENGLISH:- gigl.page.link/5668JkwcihHwfX6AA GiGL Main Channel (6.7 M Subs):- www.youtube.com/@GIGLIndia My Instagram Account:- instagram.com/hemant.pant28?igshid=YmMyMTA2M2Y= My LinkedIN Id:- in.linkedin.com/in/hemant-pant-486a38226
@sanatandharmaindiakk24
11 ай бұрын
Subham ji ka youtube channel link sir
@mohitdayal9366
10 ай бұрын
Hello, link is opening in chrome. Not able to make a copy. If I copy and paste it into new excel sheet, there is no formula. Kindly advise
@prasantasarkar9820
10 ай бұрын
😊❤❤h
@prasantasarkar9820
10 ай бұрын
10l
@prasantasarkar9820
10 ай бұрын
😊
@h2hdecor876
Ай бұрын
Great analysis..with the above calculations and assumptions I will be financially independent after 155 years.. right now I am 37 years old and have to work for another just 155 years to become Independent financially.. It helped me so much.. Now I can die peacefully
@swaprasad808
10 күн бұрын
😁- all these gyaan is of no use
@caabigupta
11 ай бұрын
Three mistakes bro... a) 10% annual increment is not practical and after 10 years of service, it's next to impossible. The increment % should be reduced with time. b) After 15 years, the corpus is compounding on the gross amount. It should be on the net amount after expenses. c) if 50% saving rate is assumed. Then the rest of the 50% should be considered as expense even after 15 years...
@stalera
10 ай бұрын
Good analysis, especially point b. But mota moti, lot of takeaways from the video
@karan4429
10 ай бұрын
Bhai sahi bol rahe ho.. Inka kaam to bakloli karna hai
@anubhavkhurana8481
9 ай бұрын
Expenses kabhi badha hi ni paoge aise toh... Only inflated expenses considered hai!!! Kaise loge Naya Ghar, nayi car, medical expenses, sudden expenses?
@007_Sun_Tzu
9 ай бұрын
A) bilkul 10% se badhta hai top 10 cities me, even more to be fair. If not, then you are already getting poorer each yr. Also when we switch, 30% to minimum hike hai.
@SurendraParihar8
9 ай бұрын
Not satisfied......not possible
@3456manish
10 ай бұрын
1 lacs per month to 45 lacs per months salary growth in 15 years really dream for any salary person.don’t give falls hope to salary ppls
@mohammedshameemrabbani1445
5 ай бұрын
He did not tell that . U dint understand it properly
@swaprasad808
10 күн бұрын
its possible
@archanakamat2635
11 ай бұрын
Most companies will not give even 5% hike in IT field once you are mid management, Reality is different than excel formulas.
@As-zc3kt
10 ай бұрын
But in that case there base salary is to big compared to their expense. So they can still very good in hand amount to invest.
@prat_0501
5 ай бұрын
12 LPA = 80k in hand is more than enough to invest in properly
@guharup
24 күн бұрын
Not everyone works in IT
@vikaskumartiwari9575
11 ай бұрын
Marriage cost, Medical Cost and many other miscellaneous costs are missing. It is for someone whose forefathers have a huge sum of many and forefathers take care of every expenses in the family and he is spending 50% for enjoyment. It is not for first generation working people.
@daydreamers710
6 ай бұрын
Yes, absolutely true
@hikedeal
5 ай бұрын
Right inke liye har month sams expenses hai 😂😂
@blackcobra8933
5 ай бұрын
but, I have only 1 Father. I dont have four fathers.
@匿名-x5m
3 ай бұрын
Why do you even spend money on useless events like marriages? There are people who spend no money in their marriage, but instead, they use this money to wisely invest or make a good living out of it with their partners.
@blackcobra8933
3 ай бұрын
@@匿名-x5m Family Pressure and for Show offs
@smitk7506
5 ай бұрын
What about marriage expenses, travel, children, school fees, extra activities for children, car, home loan, etc. 2 BHK in a 2 tier city like Pune costs approx. 1 Cr. School fees is above 1 Lakh per year per child. Domestic trip with family for 1 week costs approx. 1 Lakh and that too in the budget category. Apart from that most of the folks have family responsibilities like education, marriage of siblings, taking care of parents and in-laws, etc. Simple Birthday party for kids costs approx. 20K and the fancier ones have no upper limit. One movie with family is Rs. 1500/- on the minimum side. White goods needs to be refreshed every 5-10 years depending on the usage, quality and technology change. House repairs needs to be done every 5-8 years which costs significant amount. Vehicle needs to be refreshed every 8-10 years. In the first year you are saving 50K per month, so the interest/returns will be delayed appropriately. So, the returns of 72K will not happen at the end of the first year, but a year after that.
@LovetowatcH
5 ай бұрын
True reality is that nobody able to save 20% of his salary & they are talking abt 50%
@seekertruth72
Ай бұрын
rightly said...many people dont have kids , double income , save one salary completely then its fine. Everyone case is diff
@virginanand2384
26 күн бұрын
Kyun bachey karne hain bhai??
@tigerkash1
5 күн бұрын
@@LovetowatcH it is possible.....I am.saving 70% of my salary for 15 years now...People are different...somebody is good at earning more, somebody else might be good at saving more...
@SanketKumar-ns3ec
12 сағат бұрын
On top of that each year inflation is going to increase 😭
@ChetanSankhala
11 ай бұрын
Overall good structure. Not practical for life long because life is filled with many one time big expenses like house, car, child education, marriage
@insaneankit5554
5 ай бұрын
You can easily account these in your excel sheet like i did
@EVikasamapp
11 ай бұрын
Every one can retire financially within 20years … investing in nifty 50 index fund by investing 3k to 12k in every month …
@CoffeeandBarbell
4 ай бұрын
😅😅 comedy
@SanketKumar-ns3ec
12 сағат бұрын
Inflation will be high , LTCG taxation will increase over the period of time
@HarshaVardhan2629
9 ай бұрын
06:55 Understand the key parameters to achieve financial freedom based on salary and savings rate. 13:50 Investing in a corpus and taking out a small percentage each year allows for sustained growth and inflation-adjusted refilling 20:45 Saving rate and investment returns are crucial in achieving financial independence early. 27:40 Taking high-risk investments to achieve quick wealth is not advisable 34:35 Optimizing expenses, savings, and cash flow is crucial for middle-class individuals to become rich. 41:30 Successful investing requires a combination of hard work and luck 48:25 Investment allocation should be based on the risk-reward ratio and probability of success. 55:16 Variables for financial freedom: salary increase, ROI, savings rate, assets vs liabilities
@Gurjot98
11 ай бұрын
If the market consolidates for 2-3 years and we keep withdrawing monthly expense amount, this model will fail badly. 12% annual return is not guaranteed.
@singhisking1986
9 ай бұрын
No sir it will not fail ... After 2 years of consolidation, a bull run is guaranteed in the emerging markets
@singhisking1986
9 ай бұрын
When bull run will come, you will gain more than what you lost during consolidation
@gaurmmec
5 күн бұрын
Great podcast, people are complaining about some assumptions, these are some ideas which can help you change mindset and take you towards financial journey. Listening to this podcast I worked on my promotion and got 25 pct hike which was a variable for me.
@Sigma-male-te1re
11 ай бұрын
no one shares such important data for free but you both did it so thankyou.
@raghvinderjoshi4667
24 күн бұрын
Commenting on preceding comments. Video is one, comments are many. Some of the comments are positive, others are expressions of doubt or pessimism (kaise ho sakta hai etc.). Those who find value in the video are on the right track because they have optimism on their side. The referred quote of Peter Lynch is, "The person that turns over the most rocks, wins". Hemant and Shubham, thanks for sharing a great video.
@jitendradthakur316
6 ай бұрын
Invested in Flexicap,ELSS,Midcap and Smallcap funds with awesome returns
@abhishe3523
11 ай бұрын
India me 1lakh/month salary wala to pehle hi financially free hai.. Kya faltu topic lae ho.. Average salary se compare karna tha..
@glitterworldcreation
5 ай бұрын
EXACTLY.... YOU ARE 100 PERCENT CORRECT
@user-yx2yu3rq3t
Ай бұрын
Nahi hai, ye aapko sach bta Raha hu.
@guharup
24 күн бұрын
Matlab income hi nehi hai, wealth banane chale hain. Pahle income barhao.
@mysteriousowl9423
23 күн бұрын
Ye sb bade logo ka game hai bhai😂😂 hum log sifr views bdhane k liye baki bhul jao fir byr Puri life gadhe ki tarha kam krte rho yehi hai garib ki life😢😢
@youtubeer8216
11 ай бұрын
Theoretically it's looks good...Also the 10% hike you get initially period of the job and not after 10-15yra of exp ...Very few people get the salary of 12 lakhs as starting salary. Real life situations are missed...marriage, new born, child etc. Hence theoretically it looks good and hardly for 1% it's possible
@bikash3003
11 ай бұрын
Yess❤
@hrmsmathclass
11 ай бұрын
Yes it's true but plan with your practical amount
@anuragpathak2848
11 ай бұрын
This is totally math and it works both theoretically and practically. 2+2 is 4 in books and in real life. It's just you have to achieve a state where you invest 50k.
@archanakamat2635
11 ай бұрын
Fully agree, KZitemrs selling dreams
@aashutoshprakash8272
11 ай бұрын
Hi Hemant and Shubham. I am very happy to see the data you are sharing. My job keeps me away from family for half a year and hence even I was looking for ways to attain FIRE. Your sheet and method of explaining was very helpful. I am very thankful to both of you. Great job and keep it up. - Capt. Aashutosh.
@shashank5051
11 ай бұрын
SAME IS MY CASE. MERCHANT NAVY.
@renum007
8 ай бұрын
Armed forces have a kind of better opportunity to attain the FIRE at earliest. There are some folks from forces who are behind the traiding , then making losses. Great to see these comments
@biswaexplore5875
6 ай бұрын
Vai India mha ... 90 % logo ka salary 15000 jada nhi heyy 😅😅😅😅 Such a funny video 😅
@ipankajp
10 ай бұрын
All FIRE discussions start with Index funds and end with trading. I would suggest to stay with Index funds only.
@manishdevkar-qy1sh
5 ай бұрын
1. Salary increment by 10 for always not at all . 2. Expensive can go sometimes up sometimes down if u are purchasing some new thing or enjoying
@abhig2034
5 ай бұрын
To get a 100cr portfolio in 10yrs , which grows at 50% cagr u need initial investment of atleast 1.75 cr... why show far fetched dreams to middle-class... middle-class doesn't have 1.75cr to being with. Talk about something viable and practical for middle-class
@Bigdave123
5 ай бұрын
Hmare India ki ek dikkat hai, Hum ek policy sabhi income groups pe thop dete hai............. India is great, but Its true It will take decades to grow money, But takes few seconds to loose all.
@maakirey387
10 ай бұрын
Reading the comments here it’s so weird .. 90 percent don’t even know abc of investing.. save your money in index funds and shut up Look into your corpus after 15 years
@debangshulahiri4204
11 ай бұрын
I watched ur last video with him 4 tyms.... !! And I was inspired a lot ...!! Now I m watching this video, let's see how this is beneficial for me.... Will comment again.....!! 😊
@debangshulahiri4204
11 ай бұрын
This is very useful video for all of us....!! I will definitely follow this rule and will achieve financial freedom.....!!
@TheCuriousCurator-Hindi
11 ай бұрын
Now work on increasing income. As said in last video. 😅
@suthan2003
7 ай бұрын
10 years and 50% CAGR......and this person has seen 100 Crores portfolio......Good luck to those who trust these things on KZitem
@swaprasad808
10 күн бұрын
I agree, these people are telling stories, selling dreams - if I have 15 cr asset I wont be wasting my time on youtube, I would be enjoying my life travelling :D
@hikedeal
5 ай бұрын
Ye sab faltu ki baate hai not apply in real world bahut kam log hai india me jiske 1 lkh salary hai sabhi gyan dete hai har kisi ka apni life hoti hai time to har kisi expenses bhi badhega expenses har saal same nhi rahega
@guharup
24 күн бұрын
Jiska salary 1 lakh se kam hai, wo wealth ka video dekhta hi kyun hain? Matlab income hi nehi hai, wealth banane chale hain.
@kbhushan12
24 күн бұрын
To unko 1 lakh salary tak jane se kaun rok raha hai? Growing one’s income is the most importantly thing. Nahi to invest karne ke liye paisa kaha se laoge?
@marmara9741
9 ай бұрын
This calculation is taking the case of a person who earns 12LPA from year 1 of their career. Usually that is not the case with the majority.
@sauravsikhwal2073
8 ай бұрын
Exactly
@ajaytiwary-eo8uk
9 ай бұрын
Very good conversation resulted lesson for people. Problem Indian law by which different way litigation arises that's why people afraid to use their assets. Once laws started in favour of security regarding their assets, prosperity will came.
@pwunicorn190
11 ай бұрын
Hemant sir ko sab pta h.lekin phir bhi dekho kitna Aram se sun rhe h.
@ytvikas25
10 ай бұрын
Sir is very inteligent ☝️
@abhinaw07
9 ай бұрын
Jiski salary 25,000 hai uske hisaab se batate to sahi rehta. 1 lakh salary max 3-5% janta ki hi hogi
@pavan9620
Ай бұрын
If salary increses, expenses also increase accordingly...
@backbackup1873
11 ай бұрын
9:55 the calculations will not be true in real life. Kyuki ek salaried investor every month invest karega, wo lump sum 6L se invest nai karega jis hisab se returns calculate kiye gaye hai. Initial years me jo growth sheet me dikhayi gayi hai wo reality me apke portfolio me nai dikhege. Lekin haan long term me (25+ years) me acha khasa corpus build ho jayega.
@timeknowledgeselfimproveme6778
11 ай бұрын
Attention hemant sir: With due respect i see many issues in this calculation please address them 1) Indians usually start earning at 20, marry at 25, buy home at 30, kids, wife, marriage bills, hospital bills pile on expenses 2)Kids, their Education, wife, hospital, marriage, home loan these things are not considered on expenses side Savings at 50% is impossible with these basic needs in our culture and income above 10l post tax is only top 5% Indians earnings And if these basic needs are there then less savings and ya FIRE IN 30YEARS I.E. 20+30=50years Hope you address these major issues hemant sir
@rudrakaushik2367
11 ай бұрын
FYI - National Peroxide, IEX, Kiri Industries, DFM foods - any stock Shubham recommended in last few months have all failed.
@nadeemulla6330
10 ай бұрын
Really 😂 but i got best returns.. unlucky person
@rudrakaushik2367
10 ай бұрын
@@nadeemulla6330 Really? I did not invest in his suggestions and I am still sitting on 49% profit in 32 months... but I am sure you are the 'lucky' one.
@swapnilpatil1259
10 ай бұрын
Great work... Within 30 years everyone watching this video will overtake ambani and adani net worth...
@modellocomotiveworks2215
6 ай бұрын
And those who don't watch will
@shreyashgyan6663
7 ай бұрын
Biggest barrier is society, marriage and these things which pushes us to take decisions like laon for home, car and the whole EMI trap. And with increasing salary, people try to increase the standard of living, and don't keep the expenses stagnant relative to inflation
@nileshphi
2 ай бұрын
Thank u Hemant for valuable information. Amazing podcast. Very helpful for middle class families. Thank u thank u thank u🎉❤
@abhimanuejaihind
22 күн бұрын
Thank you both of you for the learning & insights. Also the excel sheet. ❤
@harpreetsinghvohra2525
9 ай бұрын
Great work hemant I spoke to shubham Sethi logical investor ..I had been following you since last 7 yrs you are very consistent in your work love your content and get inspired 💕
@paramsinghantaal
23 күн бұрын
This person is an exception like salary wise, increment wise,return rate wise.His story not fit for an average Person.
@debasmitag2009
11 ай бұрын
This is absolutely not realistic 50% savings ??? Concept is good though Also what about larger investment like buying home .. car ..kids education .. family celebration etc etc
@drdivyeshteraiya
8 ай бұрын
According to this calculation, if you get 10% salary growth every year , you are already beating inflation, you don't need to invest anywhere, If after 15 year you have 50lac per month salary don't waste your 50% to invest.
@deepanshsaxena5677
8 ай бұрын
Hi Hemant & Shubham, this is superb podcast, so much wealth of knowledge is shared here. I am thankful to both of you for being eye openers to so many.
@shaktisingha699
5 ай бұрын
I am generating 24% average XIRR in direct stock in last 4 years. But my mirae asset elss mutual fund giving 34% XIRR and quant mutual fund 53% XIRR in last 2 year. Now I am in should I continue in direct stock of fully invest in mutual funds
@BadaBooksIndia
11 ай бұрын
Sorry Sir, me ye podcast pura nahi dekh raha because isame salary person ki baat ki gayi hai. Me students hu, and I don't earn money therefore bas last wala part pura dekha hai, but koi baat nahi aap youths ke alava salary person ke baare me bhi soch rahe ho ye Jaan kar khushi hui.
@bitu86
11 ай бұрын
Mere bhai paisa kahi se to lana padega na students k kiye study hi sahi hai jab job ya business kro tab ye sab krna
@nileshshewale6940
11 ай бұрын
I have watched so many videos on FIRE, but this one is mind blowing, your Excel sheet is very easy to understand, no doubt. Whose that guy 50% CAGR returns?? One Request - Please make podcast with that guy (which Shubham sir talking in podcast) who made 50% CAGR in 10 year.
@MirrorNeuron
11 ай бұрын
yahi to catch click bait he!!
@gen-zmultibaggers141
4 ай бұрын
XL calculation won't work in 90% practical scenarios.
@roveralfaaz9122
11 ай бұрын
Sir Jo middle class se bhi niche rehte hai like 15000 - 25000 rs salary Wale logo ko kese invest kerna chahiye
@Amarnath0880
11 ай бұрын
skill improvement main invest karke higher salary achieve karna hain
@ArunKumar-mg8uf
18 күн бұрын
Mutual fund me sip ker lijiye
@GauravYadav-rv7wx
11 ай бұрын
@Hemant Pant, this is by far the best KZitem video I have seen. Thanks
@prasantakumarrana6368
15 күн бұрын
Your Formula Really fantastic.....Feverous plan...
@stalera
10 ай бұрын
Awesome interview. It held me for the entire 55 mins. Learnt from every minute of the video.
@Subhojs1
6 ай бұрын
Subscribed. I saw many videos on FIRE from eminent people. This is the best and most practical. Thanks
@danishiqubal1817
11 ай бұрын
This is one of the best videos for financial independence
@bigdevil3928
9 ай бұрын
How many people in India have 1 lakhs salary...? ,95% population of India have salary below 50k
@natraj6120
10 ай бұрын
Subham is very rational person. i like his thought process. the most imp part of the video is @38:30 onwards for a matured and experienced investor who can definitely relate to it
@Thebadassmonster
8 ай бұрын
Real hai I lost 4.5 lakh in options in 2 year and I quit trading
@anmolverma9318
27 күн бұрын
Things don't go same in theoretical and practical world. Your expenses won't be same forever. Your children will get older. Their education expenses, someone in family may get very ill. You may want to buy car-house at some point.
@jrajesh11
11 ай бұрын
Need one interview fully in English as well. Lots of good info
@swaprasad808
10 күн бұрын
I last 5 years - My salary has multiplied 5X , from 20L to 1 crore - all i did is invested on my Skill Upgradation - I stayed away from stock market all this time, should I start investment in MFs or in direct stocks? am 38 years Data Scientist & want to retire at the age of 45 years
@Gajananvlogs97
11 ай бұрын
Main kaise financial freedom hasil karu main choti commercials vehicle chalata hu aur direct stock market main 5 companies main invest karta hu aur mutual fund main 2000 sip chalu hai
@gauravsinghbisht9176
18 күн бұрын
Very insightful discussion
@equinoxgaming6699
10 ай бұрын
18:00 He says his return on investment is 20%. This is the accelerating factor which is very rare. Btw did he buy a house? Is he not paying house EMIs?
@deveshgiri5674
11 ай бұрын
thanks for sharing, I have known Shubham from your Video and purchased your course as well, Following him sense then he explains everything so simply.
@inderpalsingh962
11 ай бұрын
How can a person with 1 lakh salary save 50% in a metro city? Rent is sky rocketing every year, what about electricity, gas and fuel expenses, these are just the bare minimum necessities, kindly explain??
Shubam will be big thing in the future... .Mark my words
@goodboyyogi
9 ай бұрын
20 Hajar mahina kamane Wale ke liye kuch hai kya sab lakho me or karod me bat ho Rahi hai to soch Raha tha puchu ya nahi puchu
@alverzenongkhlaw5688
9 ай бұрын
Stock market is all about conviction..Learnt something..Thanks guys.
@vidyanair77
11 ай бұрын
Its important to customise this sheet.. for every column.. and possibly revisiting some of the rows based on job scenarios.. Good illustrations
@Sagar-pk1mm
10 ай бұрын
In Hemant’s sheet - There is no income tax calculations on interest earned every year or did I miss
@dinendrabhadoria4481
8 ай бұрын
salary itni ban hi nahi sakti 10 lac se upar 30% income tax lagta hai aur 10% surcharge bhi lagta hai aap usko count hi nahi kar rahe
@vikrantshelke6968
11 ай бұрын
That guy he is talking about is I pretty sure Vivek Singhal he has KZitem channel also his portfolio is also 100cr and he says he achieved 48% Cagr in last 10 years after he left his job at 30.
@nileshshewale6940
11 ай бұрын
Really???
@premkumargupta86
11 ай бұрын
I am happy that you took my question. Thanks
@jitendrasoni8055
5 ай бұрын
The company he was talking about is Ace. Currently trading at 1300+
@anuragpathak2848
11 ай бұрын
Recently encountered your video, this was really a mind boggling video for sure. It's pure math and the good part of the math is it always works. One request to create a video on your home Airbnb income, can we think of it as a side income.
@TheMahesh1234
10 ай бұрын
Inflation rate 6.5 is wrong. It has to be at least 12 to 13 %😢
@dhruvsingh9
11 ай бұрын
Index fund bhi negative return deta hai.. Aise jo one way direction Mein jo excel dikha raha hai... Waise nahi hota hai.. 15saal Mein bhai ko 10 percent hike hamesha mila.. Aisa impossible Hai..
@skytree12
11 ай бұрын
Bade logo ka game hai bhaiya ye to hum jaise 15k kamane wale kya hi kar leng😢😢1lac sallary pr month😢😢
@maheshjavanjal
10 ай бұрын
aur yeh 1 lac salary ko 4 lac karne ki baat kar raha hai 😂. Ch..tiyon ki kami nahi hai
@skytree12
10 ай бұрын
@@maheshjavanjal sahi baat hai bhai ye saale kis ki baat karte hai kuch pata nahi kon Banda hai jo 12 lakh kamata hai middle class me
@SonuKumar-wj3fd
11 ай бұрын
Bro the most important thing that is not include in chart is that LIFE is not consistent like that chart show and even stock market What about fire from job or no job or even mediacl emergency What about share market crash the n the all calculation goes some where else Do you think this chart is practical or only logical I think more logical than practical Think about it Many variables doesnot consider in the chart If considered then i don't it possible in 15 years
@Amarnath0880
11 ай бұрын
You need to divide your post fire life into parts (10/12/15 Yrs) and the expenses for the current/ongoing part should be in safer investments like FD , so that you won't have jitters even market crashes
@sonubeta7938
2 ай бұрын
Bas sab yehi chate hein , financial freedom mil jaye aur naukri naa karni pade bas pade pade paise aate rehe. Financial guruji ne market instability factor-in nahi kari , ye nahi bataya ki agar kal aapka investment doob gaya to kaha bheekh maangni hein . ye sab scam hai market mein invest karne ke leya , mehnat karo aur jitne time naukri/business kar sakte ho karo , bhavashiya aur jeevan ka koi bharosa nahi , sabse bada investmet tum khud ho , apne aapko banao , in logo ke chakkar mein mat pado !
@baseless24
Ай бұрын
last wale sheet mei 1-2 formula error the ...but kafi jabardast sheet hai
@viksingla1
11 ай бұрын
Hi Hemant, a slightly unique request. its about Bharti airtel. in their broadband plant their is some locha the way they charge the customer vs how they do internal accounting. e.g. Rs. 799 plan. they tell customers that its the charges of broadband service but internally they consider Rs. 649 for broadband and Rs. 150 for platform services. / My concern is that are they inflating revenue of one business unit and providing wrong picture to investors or are they lying to customer and are changing them these Rs. 150 un-necessary. So request to you is that is there anyway this can be figured out or anyone to whom I can report this?
@anubhavkhurana8481
9 ай бұрын
Expenses toh badh hi ni paayenge aise, only inflated expense is considerd! How would someone buy a new house, a new car, children education, unexpected medical expenses and what not... Please try to consider those too then only it will sound practical, rest other aspects r good!
@DevRaj-jb1zo
11 ай бұрын
It's a very nice knowledge for beginners ❤
@hiteshyadav7896
6 ай бұрын
the figures in Investment post expense column are wrong because you are deducting the expenses from the amount if no withdrawal is made but if start withdrawing money then we doesn't get interest for the amount that has been deducted.
@kartikmahore6291
11 ай бұрын
Hi Hemant, Thank you for providing such an amazing sheet. Can You plz enable that expanses column from the sheet which you shared.
@Shashank_ssc
7 ай бұрын
Om Namah Shivay Om 🕉 🙏🙏🙏🙏🙏
@Ajayholkar77
10 ай бұрын
i heard your voice on another channel for book summary
@LovePreet-du8vj
11 ай бұрын
Sir shi main dimagg khol dena vali video hai bahut hi shi video hai thank you so much
@Rajendra_Sing
11 ай бұрын
❤ I will again comment on your video after 8 years ❤ Target - 1Cr 🎉
@factsofactsvideos2443
10 ай бұрын
Nice work but This would have worked 10 years ago boss.. please be realistic guys.. Don't know how people are saving 50% , I earn 2 lakhs per month and despite being frugal , I cannot save 1 lakh .. there are so many expenses such as rent , grocery , school fees etc. Unless you stay in Himalayas this won't work out.. people please do your home work.. just don't go by KZitem creators 🙏🙏
@tanairai791
11 ай бұрын
Thank you Hemant Sir and Shubham Sir for Gold 🪙 Content! Will Comment after 8 Years regarding Acheiving FIRE!
@bhushanmarkamji
8 ай бұрын
Thank's for these video my dear Sir both of you .........
@MarketSeeker16
11 ай бұрын
Wonderful concepts Thank you so much ❤
@shrikantjadhav5840
6 ай бұрын
har waqt ye log 1 lakh salary hi kyo leke ate hai ,ye san kagaj pe hi achha lagta hai
@Jacknjellify531.
6 ай бұрын
This requires lot of discipline & frankly impractical.
@omkarbhandari6817
11 ай бұрын
Very structured ❤
@manojbhagath116
11 ай бұрын
I usually watch gigl videos, but today please tell me which job salary will increase 10% by every year
@songslovers7156
9 ай бұрын
Bhai 1 lacs per month kitne log kama pate hai?? 1 lac income wale video dekh ke invest karenge kya ??
@leskobrandon1937
6 ай бұрын
Why not?
@himanshuroy4289
Ай бұрын
Wo aise chutiyon ko comment section me gali deke nikal jaate hain aur jyada wale ignore krke 😂😂😂
@har1257
11 ай бұрын
God morning sir me apko pichle 3 sal se follow kr rha hu meri favourite video how to invest 20 wali hai Sir muje ek help chahiye thi muje urgent 5200 rupees ki jarurt hai me hp shimla se hu muje pta hai paise nhi magne chahiye lekin thodi condition achi ni hai abhi so sir please help
@amarjeetkumar8735
9 ай бұрын
Due to less city, even if you have your own home, you have to work in other city where you have to live in rented house.
@gautamroy5426
10 ай бұрын
Wonderful talk.. learnt a lot! Thanks for sharing it.
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