30 ki AGE ke pehle RETIRE karna CHAHTE HAIN? Ye DEKHO!

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  • čas přidán 29. 06. 2024
  • What is #retirement? How can you successfully retire because of financial freedom?
    So many people often ask me how they can retire, specifically before 30. But retirement may not be what you think it is!
    Get insurance advice from Ditto: bit.ly/3xFh7OU
    00:00 Introduction
    01:07 What is financial freedom?
    03:27 What is retirement?
    05:55 Needs and wants
    07:42 Inflation
    10:40 Where to invest?
    15:30 Planning for the longer run
    18:56 Miscellaneous expenses
    20:35 Summary
    The way I see it, retirement is more about mindset. And I've shared more about that in this video.
    However, numbers-wise, what could the answer to retirement at 30 look like?
    Let's find out in this video, using an excel sheet! Yayyy!!!
    You can check out the excel sheet here: bit.ly/3kadHwa
    Get PDF Notes to this video at: bit.ly/3nYKKVe
    We'll look at monthly expenses for now and the future, how to account for your needs and your wants, what the inflation-adjusted rate would be, and how you can grow your investments!
    When you work on these with discipline, I can’t wait to see what the future holds for you :)
    Click here to subscribe to my CZcams channel: shorturl.at/bizNX
    ----------------------------------------------------------------------------------------------------
    Ankur Warikoo is an entrepreneur, an angel investor, a mentor and an active public speaker.
    For the past 4 years, Warikoo has been actively sharing content on CZcams, LinkedIn, Instagram, Facebook and Twitter amassing a following of 3 Million+ people.
    He posts 3 Hindi and English videos every week on his CZcams channel, where he talks about entrepreneurship, how to grow in life, personal finance and failure.
    Warikoo started his entrepreneurial journey in 2008. His most recent startup is nearbuy.com where he was the founder and CEO from 2015 until 2019.
    Prior to that, Ankur started Groupon’s India business in 2011 and acted as the Country CEO from 2011-15, and Head of Groupon APAC from 2013-15.
    An alumnus of the Indian School of Business, Ankur is an active Angel investor and mentor to several startups.
    Ankur has been part of Fortune Magazine’s 40 under 40 List for India, LinkedIn India’s PowerProfiles List, LinkedIn India’s Spotlight List and India’s Top Executives under 40 list.
    -----------------------------------------------------------------------------------------------------------------------------
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Komentáře • 5K

  • @warikoo
    @warikoo  Před 2 lety +560

    You can check out the excel sheet here: bit.ly/3kadHwa
    (This is a view only sheet. You will have to download it and then edit it)
    Get PDF Notes to this video at: bit.ly/3nYKKVe
    Get insurance advice from Ditto: bit.ly/3xFh7OU
    I use Zerodha to invest. You can start your investing journey too, through Zerodha.
    zerodha.com/open-account?c=ZMPHCY
    (PS: When you create a Zerodha account through this link, I get an affiliate fee. There is no additional charge to you)
    smallcase All-Weather-Investing (what I recommend for all of you, if you are just started investing in stocks): link.smallcase.com/eBDwWqpgocb

    • @deepaklakhwan9067
      @deepaklakhwan9067 Před 2 lety +6

      Sir please tell me should I do MBA after work experience or directly after bba ki chlo ho jayega ab to

    • @anasqureshi4653
      @anasqureshi4653 Před 2 lety +5

      Aap aur excel sheets.....never ending story

    • @jayasuriya8306
      @jayasuriya8306 Před 2 lety +6

      Sir I'm 17 and I learned about crypto and invested some money form my father and I also earned some huge amount but I'm currently studying but I'm unable teach my parents about crypto what can i do sir pls help ☹️ and I'm so busy with my studys

    • @deepaklakhwan9067
      @deepaklakhwan9067 Před 2 lety +1

      @@jayasuriya8306 you can invest with 100 ruppes on coin dcx.

    • @shaswataindra2404
      @shaswataindra2404 Před 2 lety +2

      Hedge inflation with Bitcoin, hedge Bitcoin with Gold to generate wealth.And earnings from equities use it for daily needs. But first and foremost get an insurance. Getting insurance is like the contents page of a beautiful book called Returns!

  • @dd1278
    @dd1278 Před 2 lety +634

    I've seen many people explaining this but few can do it with such humor, warmth and in a reassuring manner. It feels like we are watching our cool all knowing (but very grounded) elder brother explaining the math before us..we are allowed to ask the stupidest questions because we genuinely feel nobody is judging...thanks for creating such an awesome channel and such a great virtual environment. It feels nice when that notification comes up. Keep going Ankur bhai.

    • @warikoo
      @warikoo  Před 2 lety +73

      Thanks so so so much :)))

    • @Sushant12341000
      @Sushant12341000 Před 2 lety +6

      @@warikoo Please come up with valuable insights through a video on 12% club.

    • @bhanugarg8083
      @bhanugarg8083 Před 2 lety

      @@warikoo I am a big fan of you and your videos. Your content is a big bowl of knowledge.

    • @pratikyadav6097
      @pratikyadav6097 Před 2 lety +7

      @@warikoo Hi, I might be wrong but starting with 1 lakh and a SIP of 10k with increase of 10% every year at 15% return for 10 years would end up with 44lakhs approx but according to the video it says 88lakhs which is strange.

    • @ishwarxettri3515
      @ishwarxettri3515 Před 2 lety +4

      @@pratikyadav6097 correct this video is wrong

  • @starflowvlogs
    @starflowvlogs Před 2 lety +70

    To all the people who want to retire before 30! We are all in this together and we will get our freedom 💙

  • @sworoopmahapatra6921
    @sworoopmahapatra6921 Před 3 měsíci +136

    Me watching this at 34.

  • @selenajack2036
    @selenajack2036 Před rokem +176

    With markets tumbling, inflation soaring, the Fed imposing large interest-rate hike, while treasury yields are rising rapidly which means more red ink for portfolios this quarter. How can I profit from the current volatile market, I'm still at a crossroads deciding if to liquidate my $125k bond/stocck portfolio

    • @adenmall7596
      @adenmall7596 Před rokem +2

      It really is a delicate season now, so you can do little or nothing on your own. Hence I will suggest you get yourself a professional that can provide you with entry and exit points on the securities you focus on.

    • @cuddyb9631
      @cuddyb9631 Před rokem +2

      @@hushbash2989 Please can you leave the info of yo invstment analyst here? I overheard someone talking about how a couple made $200k during this red season. I need such luck lol

    • @bsetdays6784
      @bsetdays6784 Před rokem +2

      Thank you for this tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.

  • @theartisticarchitect1856
    @theartisticarchitect1856 Před 2 lety +230

    I'm an architect in my field we start working individually in our 30s. This is quite frustrating because we don't get paid enough at our jobs. And also while working individually won't give much money to us....but nowadays after watching all your videos I feel really happy and I have some hopes now that I can also have financial stability in early age.

    • @Varunsindhe3
      @Varunsindhe3 Před 2 lety +1

      Architecture aspirant here, how can I contact you ?

    • @dubeyakash8904
      @dubeyakash8904 Před 2 lety +11

      I'm in currently in last semester of Architecture. After doing internship and hearing experience of all seniors, got disappointed. But, currently thinking of learning new skills from Udemy, (UI/UX, Web designing,etc) to create an extra source of income from freelance. Let's hope, Architecture community gets more stronger.

    • @K8LOYT
      @K8LOYT Před 2 lety +12

      What a bs :
      IF we need to increase our investment by 15% for 15 years, do u know what is our monthy investment would be in 10,11,12,13,14,15
      ₹ 52,768.14
      ₹ 60,683.37
      ₹ 69,785.87
      ₹ 80,253.75
      ₹ 92,291.81
      ₹ 1,06,135.59
      this much respectively what a lame clickbait, have some shame though u were good

    • @ziasmailbox
      @ziasmailbox Před 2 lety +2

      Architect here too... It's frustrating to be poor in 30s...

    • @blastard5539
      @blastard5539 Před 2 lety

      @@K8LOYT Has he implemented this?

  • @KVGurujiofficial
    @KVGurujiofficial Před 2 lety +154

    Waiting sir for this kind of video
    Thanks for this video sir

    • @K8LOYT
      @K8LOYT Před 2 lety +6

      What a bs :
      IF we need to increase our investment by 15% for 15 years, do u know what is our monthy investment would be in 10,11,12,13,14,15
      ₹ 52,768.14
      ₹ 60,683.37
      ₹ 69,785.87
      ₹ 80,253.75
      ₹ 92,291.81
      ₹ 1,06,135.59
      this much respectively what a lame clickbait, have some shame though u were good

    • @Dream195_tilakpatra13
      @Dream195_tilakpatra13 Před 2 lety

      @@K8LOYT tu single source of income ke mind set se yehi soch sakta hai.

  • @alanpinto4214
    @alanpinto4214 Před rokem +2

    Thank you Warikoo for this lovely excel sheet and simple advice. Appreciate it!

  • @JUNGLESAFARI-INDIA
    @JUNGLESAFARI-INDIA Před rokem +1

    Thanks Ankur, you are a man with genuine intent to help people!

  • @himanshidixit6406
    @himanshidixit6406 Před 2 lety +93

    This is what we call real value addition to the society. Financial education at its best. Thank you so much sir for sharing your knowledge..

  • @muscleengineer836
    @muscleengineer836 Před 2 lety +350

    Thanks a lot sir … apki video Dekh k Mujhe Phli baar ye realise hua k …kam se kam hume excel chalana to jarur aana chaiye …Baaki chize to insaan kr hi lega …agr use life m kuch pana hh to 😁

    • @DKKUMARR
      @DKKUMARR Před 2 lety +6

      Same here man.

    • @aashukataria4829
      @aashukataria4829 Před 2 lety +2

      😂😂😂😂

    • @PrashantKumar-tc9fs
      @PrashantKumar-tc9fs Před 2 lety +6

      😀😀 मैं तो 24 में रिटायर हो गया।
      इंजीनियरिंग करी 2019 में
      1 प्लेसमेंट छोड़ दिया
      2 प्राइवेट जॉब ऑफर लेटर लिया ज्वाइन नहीं करा
      3 UP GOVT की GOVT JOB से रिजाइन दे दिया कल
      कुछ नही होता यार सिक्योरिटी , सब बकवास है जिंदगी खराब मत करो GOVT या PVT JOB में। कुछ खड़ा करो बड़ा करो टैक्स दो करोड़ो कमाओ देश बढ़ाओ।
      इंजीनियर हो तो सभी बाते समझ आएंगी। तुम 20 000 RS में अपना सब कुछ बेच रहे हो😀 CHUTIYE हो तुम। 5 साल में MILLIONARE बन जाओगे अगर ढंग का काम छोड़ो दुकान भी खोल लोगे😀😀

    • @gokulpradhan7794
      @gokulpradhan7794 Před 2 lety

      Hahahahahaha

    • @student6555
      @student6555 Před 2 lety +11

      @@PrashantKumar-tc9fs bhai dukaan hi kholni thi to engineering kyu kare Bhai 😂

  • @pradeepsingh1244
    @pradeepsingh1244 Před 3 měsíci

    What a Great Overview you provided with facts and numbers. Really liked it and will for sure be using this excel sheet for retirement planning 😊

  • @meenakshim4437
    @meenakshim4437 Před rokem +12

    You are truly a genius...thank you very much for a simple explanation. Please make a video of financial planning for short term goals.

  • @NamanSaxenaa
    @NamanSaxenaa Před 2 lety +107

    Banks be like who’s this Warikoo ruining our FD relations 😂😂

  • @RohitKumar-fh7vy
    @RohitKumar-fh7vy Před 2 lety +10

    Ankur sir, your content and thought process, and viewpoint towards financials are just so aspiring. Thank you for such real quality financial education for free. Much appreciated.

  • @vamsikrishna.c6277
    @vamsikrishna.c6277 Před rokem +5

    Hi, I actually like this video as you practically put numbers in and explained it in almost layman terms. As a guy who's been observing the trend of spending bigger as you get paid big, I never had an idea of how much return a person should generate to sustain a middle class lifestyle until i watched this. I looked into the amount we need to spend for child's education which is 25 lakhs for a masters this year and a proper suburban house costing around 2 crores.... i just calculated that we really have to put all in until we retire which is the reality my parents tried to teach me from my childhood. I guess i am late to comment here but I'm glad i watched the video in time at the age of 26 to plan ahead! Thank you

  • @arijitguha6794
    @arijitguha6794 Před 2 lety +425

    Investing 10k-15k at the age of 20 seems hypothetical. At 20-21 age, most people are just freshers out of college, doing internships or working at MNCs at fixed 3.6 ~ 4 LPA salary which translates to 22-25k in hand. Now after paying rent and other utilities, it's pretty difficult to invest 10k every month.

    • @arunavv
      @arunavv Před 2 lety +73

      The concept remains the same. No one can make a video that goes for everyone, right?

    • @arijitguha6794
      @arijitguha6794 Před 2 lety +38

      @@arunavv yes I understand there's no one-size-fits-all investment strategy that suits everyone. But since we're talking here about starting SIP from a age where most people have just began earning and at very early stage of their career, this doesn't make much sense. Only a very small % earns like 8-10LPA fresh out of college who can manage a 10k SIP every month

    • @amritpalsingh8394
      @amritpalsingh8394 Před 2 lety +39

      Arijit - saving pet kaat ke(avoiding unnecessary expenses)hi hoti hai yaar. Sooner you learn this, faster you get financial freedom.

    • @noobrider4352
      @noobrider4352 Před 2 lety +6

      This absolutely makes sense

    • @dhanushp1680
      @dhanushp1680 Před 2 lety +8

      only in some cases where you can cost cut some things like when you have a parents house u can still live there right and you can travel in public transport and eat food which is less at cost, if you cut out everything like that its easy

  • @harshalpanchal63
    @harshalpanchal63 Před 2 lety +39

    I never comment on any videos but thank you so much sir, I'm 21 rn learning personal finance from you for free is a privilege. Thank you sir 🙏🙏

  • @ruma7567
    @ruma7567 Před 2 lety

    I was just watching ur ads but now I love this finance trick ..
    Thanks

  • @MOHAMMED-gi2uh
    @MOHAMMED-gi2uh Před rokem

    The best practical calculation I have ever seen, this video was genuinely fabulous

  • @nishthaarora1753
    @nishthaarora1753 Před 2 lety +25

    Your simplicity in teaching is your biggest blessing. Thank you so much for creating this level of awareness and farsightedness.
    Being an educator I suggest you to take such workshops right from the school time in senior classes or in colleges . This should be covered in our curriculum, sooner the college students start saving and investing better the results they will get.

  • @lucifyer4486
    @lucifyer4486 Před 2 lety +12

    This is one of the best videos on financial freedom I have seen. Making it so simple that literally anyone could understand it. I've always known the meaning of financial freedom but they way you put it in words makes it so simple. And I love the fact that this is not some overblown tactic you are trying to sell which will get us freedom by 30. But spitting facts on how something is possible, something is not and what one can do make it possible with math. Great video! Thank you!

  • @ranjankumarchaki5473
    @ranjankumarchaki5473 Před rokem +2

    Excellent your calculation and also your way of speaking.

  • @thesandeepmittal1898
    @thesandeepmittal1898 Před rokem

    thanks dear Ankur for your nice gesture of sharing this sheet. Love You.

  • @joydas4290
    @joydas4290 Před 2 lety +18

    Wish ur videos were available when I was 25…never the less I’ve started now. Thank u so much for these amazing and enlightening videos that Im sure are helping numerous people. 🙏

  • @VaibhavBisht28
    @VaibhavBisht28 Před 2 lety +47

    THAT LIGHT GONE SYCN WITH THE TRADITIONAL FD ROAST WAS EPIC. 😂😂 "LOVE YOU SENIOR"

  • @jaimesmith1086
    @jaimesmith1086 Před rokem +35

    I am 33 and already have INR 2 crore corpus (was able to work in the west, live frugally and save in my 20s, though my salary in western income standards was quite average).
    Looks like I am gearing up for retirement soon in India.
    Thanks Ankur for this insightful video.

    • @minakshichabra
      @minakshichabra Před 6 měsíci +2

      In India, you will get relatives to invest in so think before you come 😂😂😂

    • @geethascharlu5622
      @geethascharlu5622 Před 2 měsíci +1

      Very good yaar. I'm proud of you.

  • @saikumarpeddireddy7079

    very nice. thanks
    I liked the FD part when power went off

  • @theindianinvestor3240
    @theindianinvestor3240 Před 2 lety +13

    Hey Ankur, this video topic completely summaries what I am already trying to achieve. And when like minded people meet. They achieve. Thanks for this video !

  • @SwastikLIA
    @SwastikLIA Před 2 lety +229

    Sir, now we must say : "Excel pe khelenge, retire ho jayenge"😂

  • @francisemmanuel8755
    @francisemmanuel8755 Před rokem +13

    ACCURATELY SPOKEN to
    INVESTMENT EXPECIALLY IS REALLY
    PROFITABLE NOWADAYS

    • @anthonycollins5505
      @anthonycollins5505 Před rokem

      Bitcoin is the most profitable
      investment online if only you trade with
      a professional broker

    • @MaryJames-hq8lt
      @MaryJames-hq8lt Před rokem

      Share your personal success stories

    • @filee9125
      @filee9125 Před rokem

      How do I get a
      professional broker I have been wasting
      my time trading on my own and blowing
      up my account

    • @graceayuba4078
      @graceayuba4078 Před rokem

      No doubt but there are
      still good and trustworthy broker out
      there waiting for investors

    • @donnacarol7483
      @donnacarol7483 Před rokem

      he made forex easier than we thought

  • @poorvisaxena7055
    @poorvisaxena7055 Před 2 lety

    Holy Moly, this is reassuring. Thank you so much for explaining this so well!

    • @warikoo.952
      @warikoo.952 Před 2 lety

      Thank you, for your comment▪︎Be sure to contact the what'sap line above for more information and consultation on investment. I have a new investment I am sure you will like to be part of,,

  • @myonlineca
    @myonlineca Před 2 lety +17

    This is Gold

  • @adityathakuri
    @adityathakuri Před 2 lety +13

    How lucky are we to get people like warikoo sir teach us how to plan our finances at 20s.. a true gem 💎 .. much love from Nepal 🇳🇵 sir

  • @prashantgaur1900
    @prashantgaur1900 Před rokem

    It was such a good video, thank you for making it☺️, words come straight from the heart

  • @AllTypeShorts..
    @AllTypeShorts.. Před rokem

    Wow ur explanation is too good and in a very jolly way....

  • @Doggoos
    @Doggoos Před 2 lety +86

    I really planned my whole life with this man's excel sheets!... Why I didn't find him at my 20's 🙏❤️😭

    • @adwaitvedant3297
      @adwaitvedant3297 Před 2 lety +6

      I found him when i was late 25 ...and started investing at 26th year of my life😓 ...lost 6-7 years..because i belong to the batch where having high speed internet on phone was a dream...now i understand..why every year in life matters...

    • @siddharthgaikwad5517
      @siddharthgaikwad5517 Před 2 lety +11

      @@adwaitvedant3297 Sir mai toh 15 saal ka hun aur investing ke duniya mein Aa chuka hun

    • @Ali_650
      @Ali_650 Před 2 lety +2

      @@siddharthgaikwad5517 best of luck Bhaijaan ❤️✨

    • @cobragaming3154
      @cobragaming3154 Před 2 lety +7

      Be happy that you found him now not after next 10 years 😂
      It's never too late for investing.. Even if you are 35nad have not started you can get financial freedom at 50. All the best.

    • @K8LOYT
      @K8LOYT Před 2 lety +4

      What a bs :
      IF we need to increase our investment by 15% for 15 years, do u know what is our monthy investment would be in 10,11,12,13,14,15
      ₹ 52,768.14
      ₹ 60,683.37
      ₹ 69,785.87
      ₹ 80,253.75
      ₹ 92,291.81
      ₹ 1,06,135.59
      this much respectively what a lame clickbait, have some shame though u were good

  • @surajsubramanian2114
    @surajsubramanian2114 Před 2 lety +7

    Lovely Ankur, keep inspiring and motivating us like this!

    • @K8LOYT
      @K8LOYT Před 2 lety

      What a bs :
      IF we need to increase our investment by 15% for 15 years, do u know what is our monthy investment would be in 10,11,12,13,14,15
      ₹ 52,768.14
      ₹ 60,683.37
      ₹ 69,785.87
      ₹ 80,253.75
      ₹ 92,291.81
      ₹ 1,06,135.59
      this much respectively what a lame clickbait, have some shame though u were good

  • @shouvikdas961
    @shouvikdas961 Před 2 lety +1

    Well said sir... Especially the FD and Power cut coincidence 😀...Thank you for some great information

  • @pratikmoitra7627
    @pratikmoitra7627 Před rokem

    Loved it !! Awesome -

  • @pranavtulshyan2230
    @pranavtulshyan2230 Před 2 lety +103

    this is exactly what i explained my father a few months ago and literally forced him to forget about his ppf pension plan and start an sep in index funds. he just had his 50th birthday in sept. Well, i just hope we will together succeed in achieving our goals in the next 10-12 years. Thank you Ankur bhaiya for such great informative and value educational videos. pls dont stop and keep these coming. you are unknowingly changing a million lives :)

    • @justice-us2ir
      @justice-us2ir Před 2 lety

      👆Invest now and settle for the future, Whats'app me now!! 🚀

    • @warikoo
      @warikoo  Před 2 lety +26

      Awesome awesome

    • @arjunsinghrawat6116
      @arjunsinghrawat6116 Před 2 lety +15

      Scammers at their best 😂😂😂😂

    • @aayush5208
      @aayush5208 Před 2 lety +10

      Here is my father with sarkari job getting 60 lac at age of 45 and also monthly pension of 60k 😅... And we have 2 houses without loan , 1 car , 3 two-wheeler and all other materialistic things like we'll furnished kitchen etc.. not I am the only one who needs to earn money
      *I want to ask is that good retirement?*

    • @pranavtulshyan2230
      @pranavtulshyan2230 Před 2 lety +3

      @@aayush5208 see, retirement is subjective. It depends on what is the cost of the lifestyle YOU want to be living for the rest of your life. If you feel 50k/month lifestyle is good enough for you then yes 60k/ month passive income should be a good retirement. But if you feel like no I want 1 lac/month lifestyle then you need to increase your passive income to 1lac/month before you think of retirement. Hope this helps :)

  • @knandinidora_UI_UX
    @knandinidora_UI_UX Před 2 lety +511

    Jab bhi excel sheet me apne startup ka calculation krti hun... Mujhe Ankur warikoo hi yaad atte h... With that tone 'Excel Excel'😂😂

  • @nitinjain3980
    @nitinjain3980 Před 11 měsíci

    Too good, best i hv seen on this topic, great ji

  • @majorcrisis5370
    @majorcrisis5370 Před rokem

    Loving ur content and presentation skills.... keep it going sir..

  • @daps70
    @daps70 Před 2 lety +7

    IT REALLY FEELS GREAT TO WATCH YOUR VIDEO FEELS REFRESHING!!!

  • @souravkpofficial
    @souravkpofficial Před 2 lety +32

    Things we generally ignore out of fear or some other reason, are the most important lessons for life.....sir thanks a lot.

  • @unityinfotech
    @unityinfotech Před 3 měsíci

    Really nice Dear Sir, very realistic and helpful to us to get financial knowledge. Thanks

  • @harry322007
    @harry322007 Před rokem +2

    @warikoo Great and enlightening video. The monthly expenses in the retirement age sheet and accordingly used in the yearly view (and hence the money exhaustion age) are as of the time of retirement, not today. The subsequent ones are accounting for the inflation in the formula, but the 20 to 35 or 20 to 40 age inflation is not accounted for in the initial monthly expenses at retirement. Thought it was worth pointing as that changes all the calculations leading up to the age when the funds will last until.
    The formula for the first cell B4 should be 'Retirement Age'!$B$10 *(1+'Retirement Age'!$B$9)^ ('Retirement Age'!B2 - 'Retirement Age'!B1) to ensure Monthly expenses are as of today's money and account for inflation until retirement age in the calculations.

  • @harshitakalsi899
    @harshitakalsi899 Před 2 lety +43

    Honestly, When I saw this link I thought of those 3 fastest ways to get rich that you discuss. But I am amazed how financial independence and "rich" are two really different yet similar concepts. Also great work as usual. Kudos!!!

  • @iShubhamPrakash
    @iShubhamPrakash Před 2 lety +179

    Great video Ankur. I loved it :)
    People, pay attention to 15% per yr increment in investment amount, your early SIP is Rs. 15k which doesn't look so much but at age 40 your SIP needs to be Rs. 1,22,056 per month for this math to work. Keep working hard to be able to invest this SIP amount per month.

    • @stranger2978
      @stranger2978 Před 2 lety +24

      Not possible. Even if u invest 1 lakh every month for 15 years total amount will be around 5 crore. In this video calculations went off.

    • @aayush4420
      @aayush4420 Před 2 lety +18

      @@stranger2978 exactly ,then there is no meaning of this video

    • @kadiveti892
      @kadiveti892 Před 2 lety +3

      sure if you want decrease the increment in sip, u need to work on your expenses per month too.This is for 2lk/m expence. if you wanna spend that much sure you'd have to increase sip by 15%. you just need to tweak the parameters acc to see what's the correct measure for you!

    • @rahul4024
      @rahul4024 Před 2 lety +10

      Bhai in 21 years 15k per month plus 15% every YEAR becomes 60k per month.
      What calculator you used?

    • @iShubhamPrakash
      @iShubhamPrakash Před 2 lety +7

      @@rahul4024 You have used simple interest formula to calculate and come up with the amount 60k which is wrong. You should use compound interest formula and you’ll find that what I suggested above is correct. I also have an excel sheet but I can’t share the link in comments as it will get deleted.

  • @bhavyasharma7599
    @bhavyasharma7599 Před rokem

    The best financial vedio ever ..thankyou

  • @vaibhavchavhan3668
    @vaibhavchavhan3668 Před 2 lety +1

    Sir, you explain everything properly and deeply.

  • @ankitkumar7959
    @ankitkumar7959 Před 2 lety +3

    This video is the best video I have ever seen on CZcams ❤️❤️❤️❤️❤️❤️❤️ This channel really deserves to be 10 million subs Love it Bro

  • @mohammadsabri4771
    @mohammadsabri4771 Před 2 lety +3

    Hello Warikoo, as always I love your work and the way you taught us which is easy to understand.

  • @HonestLucifer
    @HonestLucifer Před 4 měsíci +1

    Thank you for a beautiful calculator!

  • @AnuSingh18
    @AnuSingh18 Před rokem

    Hey, Ankur Sir
    I'm 17 and start learning financial education with my studies. Thanks for your polite and easy explanations.

  • @rajeshrane5880
    @rajeshrane5880 Před 2 lety +4

    Hi Ankur, Thanks for sharing the idea of financial freedom. The thing you can measure you can control. So true in this case also.

  • @elishavirani9736
    @elishavirani9736 Před 2 lety +19

    Your expression while you spoke about FD, it hit next level and the last concluding statement.❤️Thank you so much Ankur warikoo for Being you🙏💞

  • @technikalproblem6780
    @technikalproblem6780 Před rokem

    Thank you sir for creating this video!

  • @SURABHISRIVASTAVA-eu6wj

    Very infirmative session. I need one more session where I can be guided on the terminologies of SIPs and the process investing in it

  • @sachinalobo
    @sachinalobo Před 2 lety +8

    Hey Ankur, Thanks for your consistent sessions. A couple of edits to the excel can be to take into consideration any liabilities the person may currently have which gets removed from lumpsum investment. Another point is, any amount beyond lets say 90 Years or 100 years can be shown as Wealth.

  • @mustanggt5713
    @mustanggt5713 Před 2 lety +66

    Great content. This should be included in school+ college syllabus to make young people more educated and aware.

    • @sudarshanmandal6198
      @sudarshanmandal6198 Před rokem +1

      Hmm of course even many literate people are unaware of many financial elements.

  • @sugam102
    @sugam102 Před rokem

    you are awesome as always with your content.Thank you very much.

  • @provashmallick2191
    @provashmallick2191 Před rokem

    Wow, what a video. Thank you so much sir🙂

  • @rabinlamsal9443
    @rabinlamsal9443 Před 2 lety +7

    Watching your videos is like listening to a parent give his son financial advice.
    love from nepal

  • @prashantgautam8983
    @prashantgautam8983 Před 2 lety +18

    The Last Line "Value your time instead of money" was EPIC.

  • @genuinelearner4227
    @genuinelearner4227 Před rokem +1

    Sir, You are doing a great work!❤️

  • @nayan___5157
    @nayan___5157 Před rokem

    Best video....for financial planning... Maan geye .boss...
    🙌🙌🙌🙌🙌🙌🙌

  • @AdarshSinghadninjazz
    @AdarshSinghadninjazz Před 2 lety +4

    The best part was you love ur work, you can say no to brands brcause u don't wanna work with them, u can say no to people because u wanna spend ur time with ur family. Sir many points u highlight in ur videos, I noticed my DAD is already doing that since many years. I learn things from him, and find some practical things in ur videos. Appriciated 👍👍👍

  • @Sheeeshy6969
    @Sheeeshy6969 Před 2 lety +28

    I am struggling for getting admission in mbbs medical school. And when you wanna be a doctor, it is in 30's when your actual job starts. 30 saal ke hone tak toh padhai he karni padti hai 😆😆😆

    • @m.sap.7x
      @m.sap.7x Před 2 lety +2

      I’ve completed my mbbs this year at 24years and have been doing a job for last 8months.

    • @bharatagrawal7893
      @bharatagrawal7893 Před 2 lety

      @@m.sap.7x hi I am an fmge student and I will complete my mbbs at 25. Is that any difference between an fmge and indian graduate 🧐🧐?

    • @spiritualawakening-manifest
      @spiritualawakening-manifest Před 2 lety

      But after 30 doctors start earning and then earn till death. Not only that they earn mostly tax-free. This video is not for everyone I guess 😂

  • @kalyanideshmukh2529
    @kalyanideshmukh2529 Před rokem +1

    Good teacher.... Thank you sir.... Worth knowledge

  • @mohammedzulfikar2109
    @mohammedzulfikar2109 Před rokem +3

    love and admire your videos. lot of learning involved.
    as an extension to the google doc attached, can you share a planner which includes goals before retirement as well? currently I notice requirements/goals post retirement. If goals pre retirement are also adjusted in SIP I would really appreciate it. Thank you

  • @akshaycrasta2620
    @akshaycrasta2620 Před 2 lety +37

    This is one of the rarest and best calculated plan explained i have ever through. Can't wait to come back here after 15 years and comment back that this worked for me :) Thank you so much!

  • @ByteGeniusHub
    @ByteGeniusHub Před 2 lety +4

    Love the way you explain things❤️

  • @bankofsoundsNCS
    @bankofsoundsNCS Před rokem

    the way you ended the video made me clap for you.
    I wish I had started watching your videos when I was in my 20's.
    but - Its never too late.

  • @jamesdanny3137
    @jamesdanny3137 Před 2 lety +111

    Trading with an expert in the field is the best, have been making a huge returns from my investment since I met Mr Jeff O'Reilly Cooper one of the best in crypto currency investment.

    • @bennettmichael3470
      @bennettmichael3470 Před 2 lety

      Wow I just made my first withdrawal today, trading with Mr Jeff O'Reilly fx.

    • @bennettmichael3470
      @bennettmichael3470 Před 2 lety

      Indeed he is an expert

    • @bennettmichael3470
      @bennettmichael3470 Před 2 lety

      All thanks to my aunty who introduced him to me.

    • @rickieleigh5694
      @rickieleigh5694 Před 2 lety

      Who's this professional everyone is talking about, I always see his name at top comments on every CZcams video I watched.

    • @pauljamescarr5113
      @pauljamescarr5113 Před 2 lety

      I think for people to talk this good about him, he must be a pro, please how Can I get in touch with him.

  • @sumitmangar8563
    @sumitmangar8563 Před 2 lety +124

    Really liking the vibes, his talks are real life experiences not just lines or theories from some business books. I always have 4 calculators open bcoz lack excel. Now hopefully will be learning.

    • @59595955
      @59595955 Před 2 lety +6

      Well he is jobless , that's why he is doing it. It's really easy to say, but in practical world u have to work unless u are really good at fooling people like he does by making useless youtube videos.

    • @sksingh3339
      @sksingh3339 Před 2 lety +7

      lol never ever follow anyone blindly . He is doing good making good videos but mistake can be done by anyone. This video is based on totally wrong calculation. It seems very funny that no-one checked it and everyone is just praising.

    • @K8LOYT
      @K8LOYT Před 2 lety +4

      What a bs :
      IF we need to increase our investment by 15% for 15 years, do u know what is our monthy investment would be in 10,11,12,13,14,15
      ₹ 52,768.14
      ₹ 60,683.37
      ₹ 69,785.87
      ₹ 80,253.75
      ₹ 92,291.81
      ₹ 1,06,135.59
      this much respectively what a lame clickbait, have some shame though u were good

    • @chakachakchirag3082
      @chakachakchirag3082 Před 2 lety +3

      @@59595955 dost..i am not agree with you at all..you are talking only with one side..
      At one stage i was also blaming this type of youtubers..but after proper understanding and realisation its actually important for all of us..whether we are middle class or whether we are lower middle class...
      Plz change your mindset brother..bcoz this comments which you have given its actually reminding my past miss perception about youtubers..
      Think from both side brother...
      Regards from SOLUTION WITH CHIRAG

    • @wisdom_seekeer
      @wisdom_seekeer Před 2 lety +3

      @@chakachakchirag3082 I totally agree with you bro and i also thought same but when i saw his videos then i realized the thing how it's important to work on mindset

  • @christinasawyerr1284
    @christinasawyerr1284 Před 2 lety +138

    Starting early is the best way of getting ahead to build wealth, investing remains a priority. The stock market has plenty of opportunities to earn a decent payouts, with the right skills and proper understanding of how the market works.

    • @creghamilton433
      @creghamilton433 Před 2 lety

      Thanks, I will love to be your friend dear, as well as sharing some lessons and ideas about your earning

    • @christinasawyerr1284
      @christinasawyerr1284 Před 2 lety +1

      @@creghamilton433 can share some business tips like..........
      1.Crypto
      2. Stocks
      3.Shores

    • @anisadavilas5781
      @anisadavilas5781 Před 2 lety

      @@christinasawyerr1284 please share more, don't want to remain out of ignorance

    • @BarbaraSaH
      @BarbaraSaH Před 2 lety

      @@christinasawyerr1284 It's not ignorance but unprofessional broker in the market....

    • @BarbaraSaH
      @BarbaraSaH Před 2 lety

      Investing in cryptocurrency now will be the best thing to do especially with the current rise in the market....

  • @CruisingCrafter
    @CruisingCrafter Před 2 lety

    Good topic, that really help and aware youngsters for stress free life

  • @shivankification
    @shivankification Před rokem

    mazzaa aa gaya video dekhkar Warikoo bhai :)

  • @ketanpunmiya6844
    @ketanpunmiya6844 Před 2 lety +126

    Loved the way explained by Ankur.. Amazing!
    Being a qualified CA I vouch for everything said in video..
    Hardy 2 out of 100 people have such financial discipline

    • @laughingmedicine1663
      @laughingmedicine1663 Před 2 lety +18

      Bhaut bekar CA h fir to

    • @siddharthparmar660
      @siddharthparmar660 Před 2 lety +8

      where is taxation on investment ? who will consider
      it ? CA ?

    • @udaykumarvaUmi
      @udaykumarvaUmi Před 2 lety

      That's true sir, it's very difficult to maintain such discipline for 10 year without deviating the funds.

    • @TechTransformOfficial
      @TechTransformOfficial Před 2 lety +2

      You are CA, but you can't see that calculations are wrong in the video.

    • @TechTransformOfficial
      @TechTransformOfficial Před 2 lety +1

      @Barkha Gehlot open any sip calculator (according to the video) and put those numbers and you will find out the correct answers.

  • @84dhanreddy
    @84dhanreddy Před 2 lety +21

    Thanks Ankur, for such an informative video and a very important life lesson. Where were you when I was 22 and just started earning? This should be taught in our colleges to kids in the final year as a mandatory class. Great work.

    • @shanthsp2002
      @shanthsp2002 Před 2 lety

      Not in college, this has to be taught since childhood by parents , by the time people reach college its hard for them to learn to be disciplined. some people stick to the point but most don't.

    • @adwaitvedant3297
      @adwaitvedant3297 Před rokem

      It should be taught since childhood...Not in college..

  • @VivekSingh-ts1ec
    @VivekSingh-ts1ec Před 3 měsíci +30

    Or you can retire even before 30. You just have to gather some courage and be a burden on your parents.

  • @girish-kr
    @girish-kr Před rokem

    This video is really awesome. And the excel sheet attached to this video is very helping and practical. Thanks to @Warikoo sir.

  • @sirnaveerendrakanth9708
    @sirnaveerendrakanth9708 Před 2 lety +8

    Hi Ankur, As you clearly explained on SIP and increment percent etc please continue the video by adding in which all those SIP amount needs to be invested so that there is a fixed 15% return on it without any high volatility and safe manner.

  • @yausgdyuasgdyuagsdgu
    @yausgdyuasgdyuagsdgu Před 2 lety +19

    2021: If you want to retire before 30, watch this.
    2051: If you want to retire before 10, watch this.

  • @priyanshujha5520
    @priyanshujha5520 Před rokem +3

    This is totally possible in practical life.... Mai sochta tha ki yaar financial planning possible nhi h ... We can't presume our financial status by just only calculating money... But sir cleared very easily...it's all about consistently investment process.... WARIKOO sir is the best👍💯

  • @deepaknariani1240
    @deepaknariani1240 Před rokem

    Nice and informative video. Many thanks.

  • @iyernil1
    @iyernil1 Před 2 lety +9

    Great excel calculator- one of the best I have seen - retirement is a state of mind - an active body and an active mind with meaningful work does not fuel the need for the feeling of retirement - just one point Ankur which was missing is add emergency expenses and medical expenses in potentially Item 1 etc - these are unpredictable and needs to be accounted for - as you age medical insurance and premiums are a challenge

  • @vinayak9944
    @vinayak9944 Před 2 lety +82

    Hey Ankur, it was a great video, but it would be great if tax would have also been considered which over a period of time plays a significant role🙂

  • @warriorwithin8443
    @warriorwithin8443 Před rokem

    Thank you Ankur. Following you guidance i started my journey a year before and have been disciplined as of now. I started late at 32 years , but let see where it would i be with my plan of financial freedom.

  • @Officialadityasarvaiya

    sir you are really great that this much amount of knowledge is been given to all person without any charges

  • @anushrisk4944
    @anushrisk4944 Před 2 lety +4

    Just amazing 💙

  • @preetspage2089
    @preetspage2089 Před 2 lety +4

    Great video, Thank you for your content that inspires many people to make a change in their lives.
    I have a question for you, why don't you consider taxes? taking that into account the numbers would change quite a bit I think

  • @ramakantsingh6505
    @ramakantsingh6505 Před rokem

    Superb Ankur ji👍

  • @techsober
    @techsober Před rokem

    I was searching for something like this❤ thanks alot

    • @user-bq3jy6gp1o
      @user-bq3jy6gp1o Před rokem

      👆
      kindly reach out on telegram at the username above for more insights💼

  • @ashishranjan7013
    @ashishranjan7013 Před 2 lety +19

    It happened automatically where my hands went up and clapped at the end of the video. This is like finding a Gem. Thanks Warikoo.

  • @abhishekroy4227
    @abhishekroy4227 Před 2 lety +21

    Sir, your lessons generate so much hope for youths like us. Ppl often keep on bragging of insufficient income, but your analysis actually shows how is it possible to be rich even out of a small income only with dedication and financial discipline. You are an inspiration sir. Keep on creating these wonderful content.

    • @sattapatta7373
      @sattapatta7373 Před rokem

      its only hope practicle is different

    • @abhishekroy4227
      @abhishekroy4227 Před rokem

      If someone fails to materialise this practically even after such spoonfeeding, then its his/her failure. Nothing else

    • @sattapatta7373
      @sattapatta7373 Před rokem

      @@abhishekroy4227 but our spoonfeeder is absolute failed and selling only course ? , telling someone to do something is easy but doing something is hard so lets sell course and earn money for retirement thats the only way left

    • @sattapatta7373
      @sattapatta7373 Před rokem

      its true, may be feels bad

    • @abhishekroy4227
      @abhishekroy4227 Před rokem

      @@sattapatta7373 what is bothering you so much? Is it that you are unable to do anything as such and the person in your hate list has made it big and earned millions of subscribers?

  • @krishi-vasant
    @krishi-vasant Před 11 měsíci

    Salute for ur information sir .,... really Great ❤

  • @Learn.with.fun58
    @Learn.with.fun58 Před 2 měsíci

    What a fantastic and realistic idea