I hope you will love this Video. Jai Hind. Download GIGL app for 180+ FREE Summaries (Android) play.google.com/store/apps/details?id=com.gigl.app&hl=en_IN&gl=US Download GIGL app for 180+ FREE Summaries (IoS) apps.apple.com/us/app/gigl-hindi-audiobook-summaries/id1548413910 ChatGPT and CZcams course for Premium Members:- czcams.com/channels/urYxozQbvKn-oNUxNJh45Q.htmljoin My Personal Channel czcams.com/channels/Zt6GXD3VnY4rsvXqLX8IQw.html
2din me 1400rs clg exam fee ki jarurat he loan ni mi ra sare dosto se udhar le chuka hu na aur na thrid party se kuch help mil ri kyuki under 18 hu kya karu samj ni ara
The title of this video should be dark Side of negative compounding. Compounding is the most beautiful concept which has actually changed by entire life
Sir, aap jaise logo ki Financial videos dekh mai bahut hi kam age me Paise ka Psychology samajh gaya hu. Mai kahi bhi paisa lagane se pahale ya kuch bhi purchase karane se pahale se sochata hu ki kaya ye mere liye wealthy hai ,jaroori hai ya nahi. Agar jaroori nahi hota to mai usako khareedata hi nahi. Bina jaroorat ke koi bhi cheej nahi kahreedata aur na hi kisi ko deta hu. Aur meri isi habit ne mujhe paisa save karana sikha diya. And paise ko grow karana sikha diya. Thanks a lot sir.❤
Formulas are simple 1) Dont take lones if you have any already come to zero as soon as possible 2)Dont take credit cards you dont need them because it increases the anxiety of an individual to spend more 3)to buy a thing instead of paying emi do a sip wait for the thing and save money for it dont fall a pray for a bank 4)live a simple life take insurance for your loved ones keep your emergency fund for 6 months in advance 5)dont show too much love for any thing because once it comes to your hands you barely use it for an year after that you will lose intrest on it which turns that as a liability this applies to any object or material you are feeling very important today may not be that much important for you when you get it
I too got stuck in the loop of negative compounding. I managed somehow as there were people to help me. But I'll suggest a good strategy here, we cannot get away from our expenses and important expenditures like a home loan or a car loan. If you're a bachelor then keep your EMI's under 30% of your monthly salary 25% if you're recently married And 20% if you hava a family. 50% for your fixed needs (rent+groceries+travel+any other unavoidable expense) 30% for your wants( EMIs+ all those activities that makes you happy) 20% for savings (health insurance + term insurance +ppf+ monthly mutual funds SIP) You'll never get trapped into negative compounding
Not possible everywhere... Even In Mumbai Suburbs or nearby areas 500 square feet apartment in building costs 75 lakhs to 2 crore. Again In Outer parts of Pune 1000 square feet land costs more than one crore.Proper city is more costly. How to keep installment at 20%?
Hat's prabhu 🙏🏻 literally aisa sikhane bhgwan ka he koi sign hota hai... Andhkaar mei dubne se bchane ka zariya ban rahe ho aap, hat's off 🙌🏻 nd endless respect for you 😢❤️🙏🏻🙌🏻🙏🏻🙏🏻🙏🏻 aisa content sbke liye bht jyada jruri hai... You are doing great work for everyone 🙌🏻 it's like favour, its like vardaan seekh, nd much much more... I've no word's to express my feelings about this video, 🙌🏻🙌🏻🙌🏻❤️❤️❤️🙏🏻🙏🏻🙏🏻
As a investment advisor I have met many persons who are ready to take loans but not ready to invest in mutual fund or stock .I have explained many things by sharing your videos.many are in debt trap and now I am helping many of them to exit from debt trap .your videos help me alot in this process.thank you.
I have taken sbi smart scholar insurance which is invested in sbi life equity fund which has given 23% return in exact 1 year. So if I invest 1 lakh it appreciated with 23k. This may multiply depending on how the market is.
Hello sir. You sent a video in your whatsapp channel about why people are curious to know about different things. Same with me, my uncle gave me rich dad poor dad book 2 years ago and I read it. Since then I always try to get knowledge from every field. Thanks for this wonderful observation ❤
Good video. Realistic at some levels! However, you have taken all the negative scenarios at once. 1. In most metropolitan cities, both partners are earning, and hence intake salary becomes somewhere around 1+1 lakhs. 2. People usually avoid taking both home loan and car loan in one go. If they are going, they usually have a lumpsum amount accumulated for prepayments or down payments. 3. Considering a scenario, where person is liable for home as well as car loan, then personal loan is not taken by these type of audience. Credit score is considered while giving any such loan, where it will be rejected in this case.
In Mumbai actually only 12% people earn car. Cuz public transport is best. And most locals are crowded for those who come outside from Mumbai lile thane, virar, panvel, navi mumbai, kalyan etc.
Yes this is quite good , I did not go for another loan after my home loan . due to some issue with the house owner we choose option of buying flat and closed the loan within 6years and tried to close the loan by prepayment option , taking loan is not bad but you need to plan your expenses , as me and my husband are working we only bought the flat with the furniture we had never spent huge amount for furniture we lived very simple life and kept the life free from expenditure as much as possible , now we are planning to buy car but that we won’t take loan we are saving the money may be we can take a loan up to 1 to 2 lakh , there also we will see if no freezing period for prepayment available then only go for that or else will save the entire amount and then only buy the car
I don't think this video deserves less than 10/10 stars by any means. Everything is just perfect, the presentation, statistics, approach, structure everything is just immaculate👌👌 But unfortunately, when I was in college & when I got my first job, in 2004, there was no fuckin youtube in India. I was an illiterate in financial education. I learned everything abt finances from the internet esp. CZcams in 2020 & 2021, but by then I was already engulfed myself into the debt trap. My credit card that has an initial credit limit of 70K has grown upto a humongous credit limit of 6 Lacs in last 10 years, I have used it so much. I have nothing but regret in my hands. But one thing I am sure that I will guide my son in such a way that he is gonna retire & be financially free at the age of 40 itself. Thanks to my introduction to stock market & power of compounding.
hemant sir is only youtuber who is capable of changing people's lives by educating them in systematic way in depth, hat's off to you and your efforts sir 🙏💖
The Debt/Borrowing is very important factor while you create your wealth or assets But you should find your break even point example earning 25 lakhs per annum Expenses 10 lakhs per annum Now you make investment 15 lakh & loan upto 5 lakhs Hence you can give emi/ interest on 15 lakhs investment return and on same side investment CAGR 15% to 20 % grow drastically multiply your wealth 🤑
My 1st salary was Rs 9000/month. Now I earn in 6 figures per month. I had credit card since my 1st job. I have never paid a single rupee as Credit Card interest.
I earned in 6 digits and so does my wife. Still we don't own a house or a car. We both had an understanding that we will buy a house only when we can retire without worrying about all the expenses even after considering the home EMI.
Super idea. My friend buy a house with loan of 38k per month EMI. Same building I m staying with 10k rent😂😂 So, the house he is paying is 38k and I m paying 10k. Remaining I m investing in mid and small cap future oriented stocks.
@03:11 this was just a Example, But for yr Information Mumbai was always About Public Transport, even Today's age of EMI most of the middle class people prefer Public Transport becouse of it's deep network and cheap fares
My concept is to pay Fixed expenses then 40% of the remaining money goes to investment like stocks and crypto and 20% for safe investment like bonds and last 40% to variable expenses
Spend now and pay later us wajah se bhi badh raha hai kyu ki inflation rate badhta hai aur phir jo savings hai woh kaam pad jati hai baad mein buy karte ke liye
Sir aap apni audiobook summary CZcams per v upload kiya karro bcz jo content aap provide karte Hai vo toh best hai!!!❤jabki youtube par or b channels Hai jo audiobook dalte hai unse toh bht aacha hai
My first salary 800₹ now after 22 years is 70000₹ with 2 bike a car and no loan ., no credit card ., jitna hi utna mai ... Allah ka shukra hai mai khush hu
I also have taken 3 loans but successfully paid EMI without any defaults and now have a healthy CIBIL score. Reason always saved upto 3 EMI amount in upfront so even if my salary was delayed always paid EMI auto debited on 2nd of every month.Also try to pay maximum down payment if purchasing consumer durable.With these steps you will get healthy CIBIL score which will help you get personal loan at low interest compared to others as low CIBIL score attract high interest rate.
I want to know how to find or identify positive compounding asset(in term of business)or how to structurise it? It will be more helpful.. you tell through rent option but in term of business that can repay loan and sustain.
Very helpful video.. I once took home loan of 16 Lacs, which with interest I paid 30 lacs in 5 years😀.. Never take home loan, it's my suggestion.. They take 95% interest on your 1st EMI, ONLY 5% IT YOUR PRINCIPAL MONEY WHICH YOU PAY IN 1ST HOME LOAN EMI, SIMILARLY THEY CHARGES FOR INTEREST GEYS LOW AS EMI SUCCESS.. GOT IT HOME LOAN IS INVERSALY PROPORTION TO INTEREST ON HOME LOAN
thanks for a well educated advertisement. being a middle class boy, i too had a HL paying 36k fr 6 years, a car paid off, MF 22k split in bank nifty small cap and mid cap fund, lives in delhi with wife still have 65% of salary for monthly expenses. further saved 20k in ppf, health insurance for duo. keep investing in share market like ipo. so basically its not abt the assumption. its about how u spends n how u compound ur money.
Great information sir ❤,but I have a question as u said at 8:47 that Mukesh Ambani pays off his loan as and when his business starts generating cash flow but what if his business fails ,then plss tell how will he deal in such case to loan he had taken....?
Holding 12780 rs in 2010 Now in 2023 holding 145000 rs With health insurance.. term insurance.. sufficient equity investment .. with some more LIC .. bharti axa policies
Middle class loan car house mobile in jese cheezo par lete hain iss liye yee credit card trap main fass jate hain baki bussinesman loan bussiness ko badane ke liye lete hain iss liye vo iss trap main nahi faste
2013:- my salary was 5825rs per month 2015 i had same salary 2017 i had salary of 46000 2019 i had salary of 200000 2022 i had salary of 300000 Now planning and investing to earn daily 15k and further 50k...
My salary is more than that u have mentioned in the start but I don't have a single rupee loan . Having only one credit card and no bad habits 😊 I like to invest only
My old man told me ayone who works job, shouldn't get a credit card. It adds to a liability. Anyone who relies on business should absolutely have a credit card. It adds to an asset.
मेरे ससुर ने अपनी 35 साल तक की नौकरी में एक करोड़ की प्रॉपर्टी खड़ी करी वह भी लोन के सहारे उनका मानना है अगर आप 5 साल के लिए लोन लेते हो तो उस लोन को 2 साल में पूरा करने की कोशिश करो इससे लोन जल्दी पूरा होता है और हम किसी भी मुसीबत पर नहीं , पढ़ते हैं
Hi Brother, after clicking the thumbnail I got a pop asking for viewers consent stating your video is having self harm or suicidal content. But content is perfectly fine. Please check with you CZcams, your views might get impacted
Hi gigl lndia l am following you from 9 months but, from four months my health is very very ill and i have even pain in my stomach also. So can you make one video on health motivatio then i motivate and this also give benifites to our subscribers family please bro big fan🙏🙏🤗
This video teaches us that...taking a home loan is a financial trap....first take a loan and invest somewhere.......generate income...50% loan repayment per month and then buy... home.....till the period live in rental home
Aree bhaii before doing that you must have sufficient backup... Just think what if you fail to generate the returns? Ah!! And also this will not provide you any deduction in income tax as it is necessary to invest loan taken within 3 y in building home!!! Not as easy as you think buddy
@@copralgistgaming8949 waise thodi na huj ambani ko puri tarah copy karenge Hum middle class mai home le liya aur ushko loan mai chadaye tho wo asset ban jayenga aishe hi baki ki chize kar sakthe hai
Hi, I would like your attention towards it , that banks usually lend up to a point where emi can be 55% of the net monthly salary of the person, so the person is not eligible for a car loan.
Hello sir My neighbour buy a new car tata nexon On emi With average salary 1 lakh and they have three kids 2 in 12 and 1 in college 3 rd year So telll me the car is good or bad investment and i think thier monthly expense are above 1lakh phir bhi new car le li please tell this in video
I hope you will love this Video. Jai Hind.
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2din me 1400rs clg exam fee ki jarurat he loan ni mi ra sare dosto se udhar le chuka hu na aur na thrid party se kuch help mil ri kyuki under 18 hu kya karu samj ni ara
Sir solution nahi mila thikthak
9⁹óóooooo
@@amaterasu9420Aur zyada Solutions bataiye
@@silentff6540 ohiytmtt
The title of this video should be dark Side of negative compounding. Compounding is the most beautiful concept which has actually changed by entire life
Audience capture funda hai aur kuch nhi..
Absolutely..
Sir, aap jaise logo ki Financial videos dekh mai bahut hi kam age me Paise ka Psychology samajh gaya hu. Mai kahi bhi paisa lagane se pahale ya kuch bhi purchase karane se pahale se sochata hu ki kaya ye mere liye wealthy hai ,jaroori hai ya nahi. Agar jaroori nahi hota to mai usako khareedata hi nahi. Bina jaroorat ke koi bhi cheej nahi kahreedata aur na hi kisi ko deta hu. Aur meri isi habit ne mujhe paisa save karana sikha diya. And paise ko grow karana sikha diya.
Thanks a lot sir.❤
10000 rent , 5000 healthy grocery,5000 gas light bill, bus pass 1500 , , overall expenses 25000 savings 75000
Simple living is way of life
You are same as me
12000 rent, 13000 food and other expenses, 600 travell delhi local bus
And remaining my saving
Earning 87k
You are same as me
12000 rent, 13000 food and other expenses, 600 travell delhi local bus
And remaining my saving
Earning 87k
People are eqrning so well..
I will have to earn 1 lakh per month first..
Different face of story...
@@naman881 what job you do ?
@@AT-xw7kx
Gov employee group b office rank
Formulas are simple
1) Dont take lones if you have any already come to zero as soon as possible
2)Dont take credit cards you dont need them because it increases the anxiety of an individual to spend more
3)to buy a thing instead of paying emi do a sip wait for the thing and save money for it dont fall a pray for a bank
4)live a simple life take insurance for your loved ones keep your emergency fund for 6 months in advance
5)dont show too much love for any thing because once it comes to your hands you barely use it for an year after that you will lose intrest on it which turns that as a liability this applies to any object or material you are feeling very important today may not be that much important for you when you get it
Valuable info.. Tnq❤
@samuraisparrow666credit card fees??
Last point is soo relatable to me … thanks for that specific advice
Very well said ❤
@@harderharder6713Only keep AMC free cards
Thanks a lot for making this video and enlightening us about the importance of financial awareness.
या तो Risk उठाओ और आगे बड़ो या फिर Risk न उठाकर अपने लिए खुद एक Risk बन जाओ
100% correct 10 out of my 7 friends are stuck on this trap and very difficult to get out of it.
I too got stuck in the loop of negative compounding. I managed somehow as there were people to help me.
But I'll suggest a good strategy here, we cannot get away from our expenses and important expenditures like a home loan or a car loan.
If you're a bachelor then keep your EMI's under 30% of your monthly salary
25% if you're recently married
And 20% if you hava a family.
50% for your fixed needs (rent+groceries+travel+any other unavoidable expense)
30% for your wants( EMIs+ all those activities that makes you happy)
20% for savings (health insurance + term insurance +ppf+ monthly mutual funds SIP)
You'll never get trapped into negative compounding
Why do you need loan to build a home, to buy bike, car? Aisi Zindagi ka kya faida 😂...lena hai toh full cash nahi toh mat lo
So true!
Not possible everywhere... Even In Mumbai Suburbs or nearby areas 500 square feet apartment in building costs 75 lakhs to 2 crore. Again In Outer parts of Pune 1000 square feet land costs more than one crore.Proper city is more costly. How to keep installment at 20%?
Hat's prabhu 🙏🏻 literally aisa sikhane bhgwan ka he koi sign hota hai... Andhkaar mei dubne se bchane ka zariya ban rahe ho aap, hat's off 🙌🏻 nd endless respect for you 😢❤️🙏🏻🙌🏻🙏🏻🙏🏻🙏🏻 aisa content sbke liye bht jyada jruri hai... You are doing great work for everyone 🙌🏻 it's like favour, its like vardaan seekh, nd much much more... I've no word's to express my feelings about this video, 🙌🏻🙌🏻🙌🏻❤️❤️❤️🙏🏻🙏🏻🙏🏻
As a investment advisor I have met many persons who are ready to take loans but not ready to invest in mutual fund or stock .I have explained many things by sharing your videos.many are in debt trap and now I am helping many of them to exit from debt trap .your videos help me alot in this process.thank you.
Can you please give me some suggestions regarding one of my query? May I ask you?
It's more of a personal choice, buying a home instead of playing sip sip on a rented house isn't that bad
I have taken sbi smart scholar insurance which is invested in sbi life equity fund which has given 23% return in exact 1 year.
So if I invest 1 lakh it appreciated with 23k. This may multiply depending on how the market is.
@@thtanmoy22 I'm an MBA. I will try to guide you.
Guide me too@@vijaykumarprajapat8623
Hello sir. You sent a video in your whatsapp channel about why people are curious to know about different things. Same with me, my uncle gave me rich dad poor dad book 2 years ago and I read it. Since then I always try to get knowledge from every field. Thanks for this wonderful observation ❤
Can you tell me which video are you referring to?
Good video. Realistic at some levels! However, you have taken all the negative scenarios at once.
1. In most metropolitan cities, both partners are earning, and hence intake salary becomes somewhere around 1+1 lakhs.
2. People usually avoid taking both home loan and car loan in one go. If they are going, they usually have a lumpsum amount accumulated for prepayments or down payments.
3. Considering a scenario, where person is liable for home as well as car loan, then personal loan is not taken by these type of audience. Credit score is considered while giving any such loan, where it will be rejected in this case.
Lol 😂 which world u live in earning 1lac
@@user-yq4pe1vx9ihe is right if you are an IIT or IIM graduate you can definitely earn more than one lacks a month
@@user-yq4pe1vx9imany of the software engineer earn more 1 lakh whose experience is more than 6 years.
Love you sir ❤ life changing videos also .
Great informative video! Thanks!
You got sound voice too! 👏👏
In Mumbai actually only 12% people earn car. Cuz public transport is best. And most locals are crowded for those who come outside from Mumbai lile thane, virar, panvel, navi mumbai, kalyan etc.
My father always told to not take loan in life. Live with what you have. You will stay happy all the time.
Not bad loan (like for ur luxury)but good loan is necessary
Bhaiya you are great I will bet that our upcoming generation will learn from you than school and college
Yes this is quite good , I did not go for another loan after my home loan . due to some issue with the house owner we choose option of buying flat and closed the loan within 6years and tried to close the loan by prepayment option , taking loan is not bad but you need to plan your expenses , as me and my husband are working we only bought the flat with the furniture we had never spent huge amount for furniture we lived very simple life and kept the life free from expenditure as much as possible , now we are planning to buy car but that we won’t take loan we are saving the money may be we can take a loan up to 1 to 2 lakh , there also we will see if no freezing period for prepayment available then only go for that or else will save the entire amount and then only buy the car
Great content..!! Thank You ❤❤🙏
Thank u sir acchi knowledge aise hi dete rahiye
I don't think this video deserves less than 10/10 stars by any means. Everything is just perfect, the presentation, statistics, approach, structure everything is just immaculate👌👌 But unfortunately, when I was in college & when I got my first job, in 2004, there was no fuckin youtube in India. I was an illiterate in financial education. I learned everything abt finances from the internet esp. CZcams in 2020 & 2021, but by then I was already engulfed myself into the debt trap. My credit card that has an initial credit limit of 70K has grown upto a humongous credit limit of 6 Lacs in last 10 years, I have used it so much. I have nothing but regret in my hands. But one thing I am sure that I will guide my son in such a way that he is gonna retire & be financially free at the age of 40 itself. Thanks to my introduction to stock market & power of compounding.
hemant sir is only youtuber who is capable of changing people's lives by educating them in systematic way in depth, hat's off to you and your efforts sir 🙏💖
Sir thank you so much for such a informative vedios, hope for more vedios in future ahead
Rent - 0 (Live with parents WFH)
Food & Groceries - 5,000
Petrol & Bills - 8,000
Misc exp - 7,000
Investment - 70,000
Savings - 40,000
Income - 1,30,000
No loans.
Simple and happy life.
Bhadiya but not everyone has choice and is privileged to get a job in same city as their hometown
Bhai r u married.. if Yes then u lie and if u not married then y r u saving and who will enjoy at age of 37 or 40.. 🎉🎉
@@Shambhuborder im not married. I'm in my mid twenties.
Kash aishi financial education wali chize har school aur College mai padhayi jaaye
My Sunday is incomplete without your vedios...😊❤
Videos not vedios
Happy Durga Asthami ❤
LoooooooooooooovE from West Bengal India 🇮🇳 😊❤
Thanks for making video on reality of life .❤❤❤🎉🎉
The best of financial video ❤❤
Thanks for educating us ❤
The heart touching teaching bro
You are right sir hame negative loan se bachana chahiye ❤️❤️
Bro plz make video on list of what to see before investing like eps , debt profit margin . Financial statement , annual report etc
The Debt/Borrowing is very important factor while you create your wealth or assets
But you should find your break even point example
earning 25 lakhs per annum
Expenses 10 lakhs per annum
Now you make investment 15 lakh & loan upto 5 lakhs
Hence you can give emi/ interest on 15 lakhs investment return and on same side investment CAGR 15% to 20 % grow drastically multiply your wealth 🤑
Sir your video helps me in my dreams
My 1st salary was Rs 9000/month. Now I earn in 6 figures per month. I had credit card since my 1st job. I have never paid a single rupee as Credit Card interest.
What job you do
Stock market 😅
10 lakh
@@Pievsv162 right 😂
What job
Thank you ❤❤❤❤❤
Thank you, sir. Your video is really helpful for me.❤
I earned in 6 digits and so does my wife. Still we don't own a house or a car. We both had an understanding that we will buy a house only when we can retire without worrying about all the expenses even after considering the home EMI.
Super idea.
My friend buy a house with loan of 38k per month EMI.
Same building I m staying with 10k rent😂😂
So, the house he is paying is 38k and I m paying 10k. Remaining I m investing in mid and small cap future oriented stocks.
@@mohannadar8u873 Bhai Ghar 4 diware nahi hoti
@@mohannadar8u873jab tumhara dost duniya se jaaega, khud ka ghar chhod ke jaaega. It matters.
U both are fool
@@mohannadar8u873kal waale dip mein kitna profit burn huwa 😅
Good very useful information thank you sir
MONEY IS BIGGEST WEAPON.
EVERYONE HAS TO USE IT CORRECTLY.....
It's just a Tool,
Real weapon is your Assets
I love you, sir wonderful information
Quite informative video ❤❤
Nicely explained. Thanks
Nice detailed knowledge.
Thanks for sharing 🙏
Keep up the Good job brother 👍
GIGL in first video: magic of compounding
Video after 1 year: dark side of compounding 😂😂😂
very nice video. all true words..
Thank you so much 😊 for the information
Thank you 💓
Kamal ki Video hai Sir G. Thanks
@03:11 this was just a Example, But for yr Information Mumbai was always About Public Transport, even Today's age of EMI most of the middle class people prefer Public Transport becouse of it's deep network and cheap fares
Yes correct bro
My concept is to pay Fixed expenses then 40% of the remaining money goes to investment like stocks and crypto and 20% for safe investment like bonds and last 40% to variable expenses
Spend now and pay later us wajah se bhi badh raha hai kyu ki inflation rate badhta hai aur phir jo savings hai woh kaam pad jati hai baad mein buy karte ke liye
Sir aap apni audiobook summary CZcams per v upload kiya karro bcz jo content aap provide karte Hai vo toh best hai!!!❤jabki youtube par or b channels Hai jo audiobook dalte hai unse toh bht aacha hai
Thank u for the informative video👍
Love from West Bengal.. Happy Dussehra dada❤❤
Thanks for the video 🤝
Thanks sir
Excellent content
Thank you ❤❤❤sir
My first salary 800₹ now after 22 years is 70000₹ with 2 bike a car and no loan ., no credit card ., jitna hi utna mai ... Allah ka shukra hai mai khush hu
Thank you
You are making Real impact on our life ❤
I also have taken 3 loans but successfully paid EMI without any defaults and now have a healthy CIBIL score. Reason always saved upto 3 EMI amount in upfront so even if my salary was delayed always paid EMI auto debited on 2nd of every month.Also try to pay maximum down payment if purchasing consumer durable.With these steps you will get healthy CIBIL score which will help you get personal loan at low interest compared to others as low CIBIL score attract high interest rate.
Keep it up Bro 💪👍 0:19
Wah bhai maza aya... Hamari life hai..... Bole toh
Raju Babu shyam❤..... 😂😂😂
I want to know how to find or identify positive compounding asset(in term of business)or how to structurise it? It will be more helpful.. you tell through rent option but in term of business that can repay loan and sustain.
Best video on youtube 🙏 ... I have many friends who trapped in this loop ... Finding some solution ... If you have any then please share
Very deep information
Very helpful video..
I once took home loan of 16 Lacs, which with interest I paid 30 lacs in 5 years😀..
Never take home loan, it's my suggestion.. They take 95% interest on your 1st EMI, ONLY 5% IT YOUR PRINCIPAL MONEY WHICH YOU PAY IN 1ST HOME LOAN EMI, SIMILARLY THEY CHARGES FOR INTEREST GEYS LOW AS EMI SUCCESS.. GOT IT
HOME LOAN IS INVERSALY PROPORTION TO INTEREST ON HOME LOAN
Isliye mene loan leke Ghar nahi banaya ..abhi rent per hu 8000 month
Thanks a tons of sir 🙏for the great updates
Quality content
You and seeken channel have almost same topic
Nice 👍
Thank you so much GIGL...i have improved myself a lot and i also use your GIGL application.
KEEP WORKING HARD FOR US LIKE THIS.❤️
thanks for a well educated advertisement. being a middle class boy, i too had a HL paying 36k fr 6 years, a car paid off, MF 22k split in bank nifty small cap and mid cap fund, lives in delhi with wife still have 65% of salary for monthly expenses. further saved 20k in ppf, health insurance for duo. keep investing in share market like ipo. so basically its not abt the assumption. its about how u spends n how u compound ur money.
Great information sir ❤,but I have a question as u said at 8:47 that Mukesh Ambani pays off his loan as and when his business starts generating cash flow but what if his business fails ,then plss tell how will he deal in such case to loan he had taken....?
Every Sunday you made my day ❤❤❤
Thanks a lot bro ........
my first salary was 27000 & now after 9 years its 67000 after all deductions
Holding 12780 rs in 2010
Now in 2023 holding 145000 rs
With health insurance.. term insurance.. sufficient equity investment .. with some more LIC .. bharti axa policies
20k to 90k in 6 years but finance is not optimized. Spending most of it. Need to work hard on savings.
Middle class loan car house mobile in jese cheezo par lete hain iss liye yee credit card trap main fass jate hain baki bussinesman loan bussiness ko badane ke liye lete hain iss liye vo iss trap main nahi faste
thankyou vaiya, if i have't watch your videos, i will use my assets .Now, i decide to use and get earning from it .
Contact and editing is amazing.
2013:- my salary was 5825rs per month
2015 i had same salary
2017 i had salary of 46000
2019 i had salary of 200000
2022 i had salary of 300000
Now planning and investing to earn daily 15k and further 50k...
Can you tell us what work do you do?
@@ashishacharya129it
@@ashishacharya129 Department of Fekology 😂
Thanx a lot for informative video
Great bro❤
0:49 ❤thanks for that hope😂
major difference is that MA is taking loan for company , limited company ...
My salary is more than that u have mentioned in the start but I don't have a single rupee loan . Having only one credit card and no bad habits 😊 I like to invest only
My old man told me ayone who works job, shouldn't get a credit card. It adds to a liability. Anyone who relies on business should absolutely have a credit card. It adds to an asset.
Your are Rich when you know how to manage money or Save it, Not when you spending it on luxury 💰🙌🏼
❤ From Chittagong 🇧🇩
मेरे ससुर ने अपनी 35 साल तक की नौकरी में एक करोड़ की प्रॉपर्टी खड़ी करी वह भी लोन के सहारे उनका मानना है अगर आप 5 साल के लिए लोन लेते हो तो उस लोन को 2 साल में पूरा करने की कोशिश करो इससे लोन जल्दी पूरा होता है और हम किसी भी मुसीबत पर नहीं , पढ़ते हैं
Great video
Hi Brother, after clicking the thumbnail I got a pop asking for viewers consent stating your video is having self harm or suicidal content. But content is perfectly fine. Please check with you CZcams, your views might get impacted
Hi gigl lndia l am following you from 9 months but, from four months my health is very very ill and i have even pain in my stomach also. So can you make one video on health motivatio then i motivate and this also give benifites to our subscribers family please bro big fan🙏🙏🤗
May be irritable bowel syndrome
This video teaches us that...taking a home loan is a financial trap....first take a loan and invest somewhere.......generate income...50% loan repayment per month and then buy... home.....till the period live in rental home
@@copralgistgaming8949 yes but..... without investing we will earn nothing...
Aree bhaii before doing that you must have sufficient backup... Just think what if you fail to generate the returns? Ah!! And also this will not provide you any deduction in income tax as it is necessary to invest loan taken within 3 y in building home!!! Not as easy as you think buddy
@@KUSH_Joshi u r right bro....
@@copralgistgaming8949 waise thodi na huj ambani ko puri tarah copy karenge
Hum middle class mai home le liya aur ushko loan mai chadaye tho wo asset ban jayenga aishe hi baki ki chize kar sakthe hai
Loan loan loan koi humko bhi dila do
Hi, I would like your attention towards it , that banks usually lend up to a point where emi can be 55% of the net monthly salary of the person, so the person is not eligible for a car loan.
Hello sir
My neighbour buy a new car tata nexon
On emi
With average salary 1 lakh and they have three kids 2 in 12 and 1 in college 3 rd year
So telll me the car is good or bad investment and i think thier monthly expense are above 1lakh phir bhi new car le li please tell this in video