Retiring at 40 as a SALARIED EMPLOYEE! | Money Matters Ep. 6 | Ankur Warikoo Hindi
Money Matters is a series where I have conversations with normal people such as you and I, on your personal finance issues.
It is important to note that I am NOT a financial expert, I am NOT SEBI registered, and I am NOT qualified to give financial advice.
Everything that I say in these videos is purely through my own experiences.
- So these videos do not offer any stock tips, or specific mutual fund recommendations or get-rich-quick schemes.
- I am not selling any product or service through these videos.
- None of the brands that I mention in these videos have paid me to mention them, unless I explicitly say so (and I will say if the video is sponsored).
This also means that my advice may not always be the right advice. So incase I make a mistake, the best way to correct me will be to share your point of view in the comments, so that everyone can benefit from it.
I am not perfect, nor claiming to be either and would love to learn and grow.
The idea is simply to help people with their finance journey and through their story try to help others who may have a similar story.
If you wish to be part of this series, please fill up this form forms.gle/uj9JPUBp8Wo9nZQi7
Join us for another insightful episode of Money Matters as we welcome Yogesh, a software developer hailing from Pune but with roots in Kanpur. In this episode, Yogesh seeks guidance on managing both - his short-term and long-term financial goals.
We will delve into Yogesh's financial aspirations, exploring strategies to effectively manage his finances and work towards his objectives. With a disciplined approach and a clear vision for the future, Yogesh demonstrates commendable financial acumen, positioning himself for a stable and fulfilling financial journey.
Don't miss this engaging conversation as we navigate through Yogesh's financial landscape, offering valuable insights and practical advice for anyone seeking financial clarity and stability.
Want to join me on the show? Fill this form and my team will reach out to you: forms.gle/uj9JPUBp8Wo9nZQi7
00:00 Introduction
00:55 Who is Yogesh?
01:50 Yogesh's expectations from Money Matters
03:00 Yogesh's current financials
11:00 Yogesh's goals
17:00 Financial plan to buy a car
25:25 Financial plan for marriage
27:45 Financial plan for retirement
32:27 Summary of financial plans
33:45 Conclusion
#FinancialPlanning #MoneyMatters #warikoo
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Money Matters is a series where I have conversations with normal people such as you and I, on your personal finance issues. It is important to note that I am NOT a financial expert, I am NOT SEBI registered, and I am NOT qualified to give financial advice. Everything that I say in these videos is purely through my own experiences. - So these videos do not offer any stock tips, or specific mutual fund recommendations or get-rich-quick schemes. - I am not selling any product or service through these videos. - None of the brands that I mention in these videos have paid me to mention them, unless I explicitly say so (and I will say if the video is sponsored). This also means that my advice may not always be the right advice. So incase I make a mistake, the best way to correct me will be to share your point of view in the comments, so that everyone can benefit from it. I am not perfect, nor claiming to be either and would love to learn and grow. The idea is simply to help people with their finance journey and through their story try to help others who may have a similar story. If you wish to be part of this series, please fill up this form forms.gle/uj9JPUBp8Wo9nZQi7 Buy my new book 'MAKE EPIC MONEY' here: www.makeepicmoney.com/ My Money Apps: bit.ly/3Zg56eR Start your own business: bigrock-in.sjv.io/6eZ1KK My bestselling books: ‘GET EPIC SHIT DONE’: ankurwarikoo.com/getepicshitdone ‘Do Epic Shit’: ankurwarikoo.com/doepicshit My gear for shooting this video: 🎥 Sony a7III camera: bit.ly/3M42wAV 🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0 🎙 Shure SM7B Microphone: bit.ly/3O1NAVA 🔆 Fill Light 60W: bit.ly/37aJolP 💡 Key Light 150W: bit.ly/3O9nyjs 📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1 Useful links: 20 books for your 20s: bit.ly/WarikooBooks 20 online courses for your 20s: bit.ly/WarikooOnlineCourses Gadgets that I use: bit.ly/WarikooGadgets The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L and in 2022 we contributed 53L.
Sir mere sath v video banayenge plz for Investment plan
I m from nepal 🇳🇵 . Financial planning karna hai mereko sir. Kaisa apply karu sir yes episode mai??😢
Please make government job employee who earns 50k / month tire 1 city
Ankur sir, You forgot inflation adjusted figure after 13 years. 3.5cr buying power would not be the same af of today.
@@lokeshaggarwal5129 Income Tax bhi to deduction hoga (Long term capital gain)
No financial commitments for parents. No financial commitments against grandparents. No financial help for sister's marriage. Whatever he earns, is for his own consumption - with that in mind it's easy to plot his excel
In short he is already shorted in life
@@APEXGAMING99No, after marriage and kids, his expenditure will rise exponentially
@@thankcode Still he is saving lakhs if he don't have any commitments for family and he also owns a house so no need to buy house within next 10-12 yrs
@@APEXGAMING99 I can bet, you are a bachelor.
How to fill up form and consult. I am 75yr young lady. Iwill prefer one on one base. I am quite srls sufficient. Iwant to guide my friends and younger people
I have a better financial solution: 1. Get a mediclaim which seems to be missed out (annually 10~16k) 2. Get a mediclaim for your parents as well 3. Buy a pre owned car worth ₹6 lakhs (+ keep maintenance contingent fund 1 lakh) 4. You'll save net 5 lakhs on car and effectively on EMI. Revised EMI would be 14k instead of 26k. 5. Invest surplus funds in MFs or Swing trading stocks Watched video till 22nd minutes and realised this, so sharing. Best wishes 🎉 you're already doing great with disciplined budgeting. Very wise..
Kamaal ka advice
The thing is pre owned car market is not good in Indian market. Because not many people sell their car for just because it is 2-3 years old. We sell only if it in accidents or something severe. And in such cases majority of them have main frame damaged hidden by mechanics. And recently there's so many changes in car science.
If not pre-owned can still buy New one at around 6-7 lakh 👀
💯👍👍
If you are earning this much, why would you buy a 2nd hand car... atleast I never would. Whats the point of earning this much if you cant even fulfill your little dreams. Things are not always calculated because they are wise financially.
Ankur I am an avid listener of your podcast on various platform and find ur financial and life advise very relatable and doable. Also since I am 50+ I can endorse your financial advice that u generally speak about. Overall I love ur style of explaining with clarity ...
Super Duper Sir🔥 Maja Aagaya Ye Series Dekhke😄. Thank You So Much for Conduct This Series Sir.
Best personality with knowledgeable with focused mindset keep it up sir
Loved video ❤
one major expense which people see in their 30s or 40s especially in India is expenses on parents' health. Cancer is rising in India and the treatment and regular care expenses are sky high despite having health insurance. Pls account for this -- a note to all youngsters esp in their 20s. I recently lost my dad to this dreaded disease and apart from emotional turmoil & grief, financial drain was also very high. Stay safe and enjoyy life !!
I have been searching for financial guidance for this salary all over internet and finally got one, thanks
That was so amazing ❤
Absolutely amazing
I got financial knowledge after 2 years of working still glad i got some knowledge on time
thats why initial money is very important.. 15-16lpa is really good start...
@warikoo the compounded amount you calculated in this video using Groww app substantially differs when I use your excel uploaded earlier in one of your videos. Can you please clarify if this amount is correct or your excel is correct? It’s really important for me to decide my financial freedom.
Lot of factors missed while planning for retirement. Children higher education, children marriage, buying house, health insurance etc.
He plans to retire at 40. All these requirements for kids will come when he’s in his 50s. Plenty of time for his corpus to keep growing post retirement
@@vividlearner7427 Yes but we need to keep in mind that at certain point in times he will have to take out huge chunks from his retirement portfolio for these large expenses. It will have a significant inpact on his corpus and future returns and growth of his portfolio. So these large expense should always be kept in mind assuming a year in future when it will be needed when planning for early retirement so that he makes sure that the corpus is not exhausted when he really needs it, i.e. at the age of 65-70 years.
Me watching whole video without a job😅
😢 : us bro us
Nothing bro just start your carrier and do well with your personal life ❤️
15-20 lakhs for marriage is a total waste...register marriage in court and do marriage in temple. And second thing is you won't get a girl without your own house.
Naa that's not the case that he will not get a girl. He is living in pune so he has to stay in rent,in his hometown he has his own home. Zyda problem tb hoti hai jb wo Ghar bhi rent pe ho.
@@Happysoul_3 you have no idea about marriage market these days.
Absolutely
@@manojsuri9859 kya hai abhi marriage market thora elaborate karo
Kya expecting rahti hai girl ki
You missed very big point After marriage the expenses will change drastically and it depends if he marry a housewife or working women , After Marriage he need to start mediclaim for his family as his corporate insurance wont cover family that much So planning a expenses that precisely is very very difficult and there we as a audience getting nonsense, please please stick to the investment and fixes expenses or big expenses if someone is planning, Step up SIP for 15-18 years Please check what will be the monthly SIP at that time It will be more than 2 lakhs per month
Nahi hoga retirement by 40. Not even by 45. Ghar k bare me nhi socha. Value of 8 crore in 20 years is 2 cr which he needs to use for another 50 years.
He already has a house in Kanpur which is a tier 2 city. If retired, why would he stay in Pune? Moreover, outskirts of tier 2 cities now are lavish as well.
@@vividlearner7427 Nobody can predict the future this much early. Further, considering his present expenses and lifestyle.. the amount of 8 Cr at 45 is too less. Inflation, lifestyle inflalation and may factors.
@@SulekhaDhar-ld1hd boss even after 20 years 8 crores will value more than 3.5 crores. As the economy matures inflation rate drops because base increases. 4% average inflation over 20 years is reasonable. Even today in America, 8 crore means a millionear and there are only 2 crore millionaire in USA, that means top 5% of the country. India after 20 years will still be cheaper than what USA is today.
EPF investment has not been steeped up every year while calculating total corpus. EPF deduction is linked to salary, so it'll step up every year
Awesome sir knowledge and planing 🎉🎉
Hi Ankur, Below points are not considered. 1. Rate of inflation 2. After his marriage till his retirement, additional expenses from his family and children education
Great video ankur sir...
That 9 crore's present value is 2.25 crore
Beautifully explained ❤❤
Ankur after marriage he will have dependent.. his wife and in few years kids, wife if working then he can continue or may be he can step up his savings...still since is a youth...he has no idea after marriage life expenses increases...plz consider it in future expenses.... and im already a big fan of you after just watching your 1st video today...u are doing a eye opener task for the youth... respect you from deep of my heart 🙏
After some months plan change and GOAL is also increasing
Few points more need to be considered. 1. After marriage expense will also increase so the amount invested might affect. 2. after car down payment overall corpus will also reduce to consider for marriage planning.
Very nice plan . Really enjoyed and learned a lot. What about personal medical insurance? The increasing rate of home rent , prices increase of commodity ...... With love from SAM Guwahati, Assam, India 🇮🇳 ♥️
The EPF amount will not be 14800, as his salary increases that will also increase. So it will be way more than 61lakhs as projected.
Hello sir can you suggest some course to do after 12 with any steam and about self earning
I want to add if he wants to add car emi in expense,he should also think of petrol, insurance, parking expenses.
Hi Ankur sir, If I am not wrong you have taken expenses similar for him before and after marriage which I believe would not be similar unless his future wife supports him with earning like job or something... I might be wrong it's my personal thought....
I have a question . As per your calculation whole salary going to different purposes ,so how can you afford the expenses of the car like fuel,driver,and other.
So many assumptions? 1. All expenses will rise after marriage 2. Return on investment is not going to be stable 17%
17% return isn’t very difficult if you manage your own portfolio For sure he is smart enough to achieve something around the same. Expenses post marriage - guy does not spend lavishly into pubs or drinking. His basic spending even as a couple won’t increase by more than 10k a month, moreover, his salary will continue to grow over 10% for next few years. I don’t see any issues here
@warikoo what about taxes on gains. Would it be wise to expect 15% over long term period and also step up increase in investments at 10% is not so easy
@AnkurW sir :Why you have not advised him the way you used a Car. Than save that money also.. You are an Advisor in this matter
Sir, You have not considered inflation amount should deduct.
So you assume that for goal which is 2 years away, equity is best (and also assumes 17% return).. just because past has given 17% return, doesnt mean next 2 years will give same.. There is no planning of event/sequence risk
Dude earns 26 lacs at the age of 25. He is certainly smart enough to maintain a 16-17% cagr atleast. He may hit 10% growth this year and 25% the next. So, 16-17% growth for this guy is reasonable
कृपया एक संपूर्ण निवेश योजना सुझाएं। या ऐप जो सभी आउटपुट की गणना करने में मदद कर सकता है, जबकि हम सभी डेटा डालते हैं।
Sir, why is WAAREERTL is hitting upper circuit everyday? ......what is the game going on in this stock? .....can you please do detailed research and make a video , please for us? 🙏
After marriage, our expenses are increasing. Also baby plan, their tution fees and then lot of thing happened in 20 yeas. Which might not possible to save 40K every month. So if we are concerned about all these scenarios, saving too much difficult if you are living in Pune, Hyderabad, Gurgaon.
In my city to whom i should contect to calculate this type.
Seem like my own brother story…earning 1lack at the age of 23 with no responsibility is really a bless…
Please do it for people who are in range of 7-10 LPA, If he is earning above 15 LPA he is already in top 5% of people.
Agree, unless he hits an axe on his toe, he is destined to do well.
I got confused.. He says he invests 20k per month in mutual funds since 2021 so basically in 3 years he has invested 7.2 lakhs approx but still he says he has corpus of 2 lakhs in mutual fund
Waiting for the call :)
I want to do work from home but don’t know how to start please tell me how can I start in low budget
Bahut badhiya🔥🔥
Everything is good but what about 15% tax while withdrawing mutual funds
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He's is always active on t e l e g r a m
@HankObert
Thanks for the info... I'll contact him as soon as possible. I also want to get good knowledge and stop losing.
Hank Obert expertise is truly commendable. he has this skill of making complex crypto concepts easy to understand.
International travels got missed in this calculation. The expenses from her spouse is not considered. She may or may not be earning The expenses would spike on having the kids I guess. Just thinking of these pointers
Great sir, I am also going to plan this same
Hi ankur Though you are not having voice of lata Mangeshkar still it is so soothing 😂😂 I am in love with your videos
Sir pr isme koi bhi inflation and lifestyle inflation add nhi h. After marriage his expenses will also be increased. I guess woh sari chizo ka bhi dhyan rakhte hue planning karni chahiye.
My question is kya yearly 20% return possible hai ? Even indices move 12% max
@Ankur at point of term insurance he chose premium payment for 15 yes. Where he did mistake in this?
Jio financial is going to aquire The south Indian bank and going to enter in banking sector ..... is it true?
Best Wishes@warikoo
17% rate of return...12% is a more realistic no.
Very nice.
Sir you are telling about sip investment about how to invest is demat account is needed to invest in sip can you plz tell me sir
There are few practical points from my perspective- 1. He is from NIT, a premier institute of India earning more than a lakh at the age of 25. So his wife would also be a working woman earning at least half of his income. If luck strikes, she will be also from premier institute earning more than a lakh. So income will double. 2. He is from UP where dowry exists, so he going to get money in marriage most probably. 3. He can easily switch from one company to another with 20-30% hike and so will his wife. 4. By the time he is 45 , he would mostly probably be a VP/President/CXO of some company with good salary . 5. Instead of car, he should opt for higher education that will further his earning potential exponentially. 6. If is he stupid and wants to make his life difficult then he would marry a housewife.
True brother. Spot on 👍
Lolz... seems like u haven't stepped into the field yet....
Sir mera civil score 844 hai aur meri abhi recently salary hai 40 k mai sip me invest krna chahta hu pls aap hame ek bar suggest kre kis company ka sip lu
Curious, what the market standard increment folks are getting? I believe that, faang companies have less than 8% !
Hi Sir sorry to say but why did u not suggest him for medical policy and job protection ideas like upgrade and all...😊
It would be very helpful if you can share the excel sheet ✅❌✅❌✅❌
@warikoo what about expenses incurred after having kids ?
Sir one question:- At what rate is this explained Whwre to invest??
Gadi m petrol daalne m v paise kharch honge... 😅 Please also add this in expenses, so extra money he is getting from appraisal also go in this.
At the age of his 40 years if he have 3 to 4 cr corpus he can buy a 1bhk in metro cities kudos to financial planing. in Mumbai 1bhk is already 3cr now
May be inflation is missed! Tax of sip corpus is missed
@warikoo how can a 40yr old stay at home gain financial freedom ? Pls consider stay at home moms who would lwant to have financial liberty .
Make a video of someone who has a government job and his salary is 50 thousand rupees
Does anyone here thought of giving some amount to charity like education of poor child, helping really needy patient, helping family members in their financial need ? Everyone are running behind money !! If you are on death bed, People whom you helped will surely remember your good deeds rather than how much property you own !! I absolutely feel some % of your salary must be kept aside for these kind of charity work which actually gives you immense satisfaction & also it will create huge happiness & down to earth nature in yourself. If anyone doing give a thumps up🙂
Every person should fill their own cup first.. he sends good amount to his family. Its all about the survival of the fittest.😊 This is the most shittiest comment , do you know some poor pepple are by their choice, they dont want to study or improve their skillset, they are in the complain zone? A middle class person according can contribute 1-3k to charity monthly if they really want..you are no one to give him free ka gyan..uski jb shraddha hogi wo dega.. U pls go and do charity..feel like you are wealthy pls donate all your wealth😂😂
If you don't cultivate habit of giving then even though your cup overflow you won't feel like donating🙂 This is where family values which are taught at home comes up. Now so called Gen Z are dwelling in different world & lost family values unfortunately. You don't need hefty wealth to donate or help someone. It all depends on how you want take life & keep the value system alive in yourself !! I am not here to give gyan but only few understand it & adopt in life.
@@Tommy-lg3rg The way you speak with others show how well you are grown up. First learn to respect. If you watch 100 videos of wealth creation or build wealth or manage wealth you won't be able to do it unless you cultivate human values.
No
Sunne me sab achha lagta hai but reality mein Shadi hogi toh kharche badhenge, bachhe honge tab kharche badhenge upar se inflation cost + taxes + home loan for future kon deduct karega ? 😅
Life is not so easy . There are so many cost which gets added - taking care of spouse and kids, health bills etc Also rent would increase in Bangalore if he relocates . Also layoffs, it can take hit on daily income.
Sir inflation naam ki bhi koi cheez hoti ha saying that he will be getting 15% intrest over the minimum of 6% intrest is a bit too much for someone who is going safe and planing for there retirement 😅😅
Hello sir,I am just pass 12 th exam. I want to create a side income along with my study . How can I achieve that. Also I am commerce student
What about inflation... Car fuel, maintainance monthly expense... post marriage expenses... long term taxes.... I am thinking if he plans to buy house at the age of 40, the house prices will be more than or equal to his corpus investment -- then what about society maintainance, home expense, travel wishes etc? The episode was quite interesting but Ankur missed lot of points here
Ankur please do Podcast with someone with average salary of 50-75. You bring children making 1.50 lac at 25 age. H does not n ed your advice. He can achieve everything with that salary. Would suggest that you get someone with 50-75k salary range
Emi for car from investment, why not from expenses sir
There has to be sacrifices for such reward of retiring early at 40 when working in IT sector in metro city 😢 sacrifices like Car and marriage here
Sir you have missed out health insurance plan.
Sir aaj first time aap konor aap ke baat ko Josh vale chanal par suna.but acha laga.sir Mee 22000 month ke kamata hu or mere home lone ke raka hai 1650000 ka mene 15 saal tak leya tha.lakin lockdown me modi ji ke bolne par Mane modetoryan karwa leya tha lone 6 month.aaj mere lone jo 180 month tha. Ab 233 month ho Gaya hai financially bhut wik hu.22000 me se 16500 to kist he jate hai.koi said business bhi nahi hai. Market se bhi 2-3 laak le raka hai me kya karu.pleace koi rasta dekao sir 37 saal mere age hai.plese help me
People who are able to retire early are lucky . I have 15 months till 65 and need to look at calling it quits, my only fear is running out of funds much later, thus keen on investing. What could be the safest possible ways to invest for cashflow, in order to afford lifestyle after retirement?
consider investment planning, learning from a well experienced advisor is invaluable
That's right. I am a wife, mother of four and new grandmother, 28 years in Corporate America, retired recently at 57 after discovering the freedom investing could provide, been contributing to my portfolio since the pandemic in early 2020, and have grown a $250,000 savings account to almost 1 million, credits to my investment advisor.
@@emmaarmandowho is your advisor please, if you don't mind me asking?
*Gertrude Margaret Quinto* maintains an online presence. Just make a simple search for her name online.
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 resume.
Hello ankur sir, one point I guess which is missing here. Post marriage their is additional expenses of child education which is not taken into consideration. 😊
Everything will change after marriage and kids
But his wife's income and his income will nearly double after marriage
Wife's salary?
Bhai app ek baat batao agar mujhe chaand pe janeka hai toh raste pe ev station aayega kya ❓
💡Everyone is dreaming of retiring at 40 but as someone who is very close to that mark & earning well as a couple(3L+/month) , let me tell you its not realistic for salaried class to retire even at 50, unless ur born rich or supersmart..by 40 your actual responsibilities just starts.. you kids education(costs a bomb), parents needs, home loan emis, ever increasing day-to-day expenses are just a few to mention..Forget about this 40 year mark & prepare for long hustle..Life is not excel sheet & certainly not that predictable
How do u know i will purchase a house on loan bro
Ankur ji...please make a video for a woman with 1lakh salary
There is a hard truth i learned, is that only money can build money unless you are Extraordinary at something 😅
If his parents are financially independent then to whom does he send money home every month?
16000 ke salary pe video banaiye.
People often forget that after marriage, consumption/expenses increases by 10 folds. And if you have a child then just double your expenses by double. My simple experience is that just don’t even count next 5 years once you get married for any investments.
Sir I've filled this form but no response.
Bhai 28k in hand salary ka v video bnao
I would like to have a talk on call for Financial freedom. How to do ?
Personally, I use Eledator and get +60% per month, I don’t know why you don’t do this
Relatable 21 my age got job in Pune retire at 45 very helpful for me
अंकूरजी मेरी SIP 6महीने पहले बंद हो गई है अव पैसा निकाल लू या उसी मै पडा रहने दू