---
title: 'Escaping the Trap: How to Build Wealth with Low Income - Ft. Sanjay Kathuria'
source: 'https://youtube.com/watch?v=SWdP8mNwGw4'
video_id: 'SWdP8mNwGw4'
date: 2026-08-05
duration_sec: 3441
---

# Escaping the Trap: How to Build Wealth with Low Income - Ft. Sanjay Kathuria

> Source: [Escaping the Trap: How to Build Wealth with Low Income - Ft. Sanjay Kathuria](https://youtube.com/watch?v=SWdP8mNwGw4)

## Summary

In this podcast, Sanjay Kathuria discusses the mindset differences between the middle class and the wealthy, emphasizing the importance of financial education, budgeting, and long-term investing. He provides practical advice on building wealth even with a low income, including creating emergency funds, investing in index funds, and understanding the power of compounding.

### Key Points

- **Wealth Creation is Mindset-Driven** [00:15] — 75% of billionaires are first-generation wealthy, indicating that wealth is not inherited but created through mindset and actions.
- **Three Mindsets: Poor, Middle Class, Rich** [03:02] — Poor mindset: daily labor, spend all income. Middle class: income to liabilities (EMIs). Rich: income to assets, generating passive income.
- **Shift from Scarcity to Abundance** [04:29] — Believe there is enough wealth for everyone. First-generation billionaires created something from nothing, proving that mindset matters.
- **Liabilities Are Celebrated in India** [06:45] — Society praises buying a house or iPhone on EMI, but not building mutual fund corpus. This social construct traps people in debt.
- **Wear Your Seatbelts: Three Life Risks** [08:36] — 1) Loss of income: emergency fund of 6 months expenses. 2) Health issues: health insurance of at least ₹5 lakh. 3) Death: term insurance if dependents exist.
- **Automate Savings and Investments** [13:28] — Use separate accounts for spending and investing. Set up auto-debits for SIPs and emergency fund contributions to avoid spending.
- **Habit is Key, Not Income** [17:33] — Even high earners can run out of money if they lack saving habits. Start with small amounts like ₹500 and build consistency.
- **Avoid FOMO and Borrowed Happiness** [19:42] — Don't spend on things to impress others. Know what truly makes you happy and plan for it, rather than copying friends.
- **Goal-Based Investing** [25:50] — Define financial goals (marriage, house, retirement) and invest accordingly. Use SIPs in index funds like Nifty 500 for long-term growth.
- **Compounding Magic: Time is Key** [28:29] — Example: HDFC Flexi Cap fund grew ₹10 to ₹2200 in 30 years. SIP of ₹10,000 for 30 years could become ₹22 crore. Start early to benefit from time.
- **Trading is Not a Get-Rich-Quick Scheme** [36:23] — Trading requires years of learning and emotional control. Most lose money because they lack discipline and treat it as a part-time job.
- **Budgeting: Know Where Money Goes** [43:29] — Track expenses for 3 months, categorize into fixed, variable, and periodic. Aim to reduce UPI spending by 10% monthly and use separate expense accounts.
- **Relationships with Money** [48:22] — There are 7 types: saver, spender, altruist, ignorant, self-worth, chaser, etc. Understand your relationship to balance saving and spending.
- **Financial Freedom Defined** [51:47] — Financial freedom is when your investments generate enough passive income to cover expenses. Example: Need ₹1 lakh/month, with 5% returns, you need ₹2.4 crore.

### Conclusion

Building wealth is less about income and more about mindset, habits, and time. By shifting from a scarcity to abundance mindset, automating savings, and investing early in index funds, anyone can achieve financial freedom regardless of starting salary.

## Transcript

What do you think others think of me? Have been. 30 to 40 is the age when you Are. And after 40 you realize Actually no one is thinking about you Had been. what difference do you see between
Why is our financial condition bad? Because we were sitting at the same table. Was limited. We middle class people have this habit. of. 75% of people who are billionaires today are first
75% of people who are billionaires today are first Generation. He did not bring anything. But he did everything If you do it, you can definitely make money.
Youngsters always have that question: how to budget? Don't wait for financial freedom. Create financial freedom. See Sir, formula for compounding interest It was taught but not explained. A mutual fund was launched in 1995. Meaning
If someone's father had deposited ₹1 lakh then today They Why can't you develop a habit? I have no such He said that whatever I earn ₹000, I give ₹1000 No, he cannot invest, he is a liar. I Wood Se Many times this question is not even asked, many times people
You should have asked yourself what I need Happiness? Ford Buffett: Very good point on this. Let's say. They say right down You must have noticed around you that Some people's money keeps increasing and some People cry about money all their lives.
Are. His financial struggles continued. Is. Because the wealth creation is through this It doesn't depend on whether you work Be it business. It depends on this thing That's how your mind works for money It is programmed. Meaning money is numbers
There is no problem. The Psychology of Money There is a problem. That's why some people are good Even after coming with a good package, there is no worry about money. Struggle and some people live on low income You also keep growing your money and you Be able to grow financially. Your Wealth
Be able to build a mindset. For yourself Be able to create financial freedom. That's why We have invited Sanjay on our show. Kathoriya ji who earns millions through his content People's financial lives are definitely changing But financial freedom itself is like
Unlock that biggest achievement in life Those who are not even in their 60s or 70s Could have done it. We learned from Sanjay Bhai why Some people are always under financial stress. live. What difference does a rich person make? In Mindset and Poor Mindset. Why
Majority Indians are still in the middle class trap Are you stuck in [music]? And only that much No, we learned something life changing from them. Also know investment tips. We understood that Why is compounding so magical? They What is the budgeting plan that you will never need?
can give everlasting wealth and that What is the ideal road map from today [music] This will accelerate you towards financial freedom. Will take it. So I would suggest that a Sit down with a notepad and share it in this podcast. Make sure to note the points given because it
Not just a podcast. This is such a A financial masterclass that will help you make money A financial masterclass that will help you make money It will transform you from a chaser to a wealth creator.
What difference do you see between them? Middle Class Mindset and Wealthy Mindset. I am talking about three mindsets I do it in that. So the first mindset is Yes. Poor mindset is that you earn money in the morning and then in the evening
So the daily labor mindset We So the money will come in the morning. ₹500 ₹600 ₹700 per day In the evening, he will fly in the chicken oven. So this poor mindset is a middle class mindset. If income comes, we will take liabilities from it.
And to pay the liabilities, just this one The cycle trap will continue to run, so it should be placed in the middle that you buy liabilities with the money coming in You bought an iPhone and the money came on EMI. When you took it home, they got trapped. Now you have become our compulsion and the third rich
If money comes, it becomes an asset. Edge Simple Edge FD is being created but assets are being burned So the wealthy mindset is that first of all, assets Makes. generates passive income from the asset and does So that there are three differences between him and his assets.
Is. Which is Rich Mindset Wealthy Mindset He invests from the investment income And well poor sorry the middle class Income to Liabilities That's the difference. What is in the mindset or thought process?
Should I bring about change? Because the majority of us The middle class comes from behind and the majority They are present only in. And what will bring that shift in your mindset? What kind of shift should he bring so that he becomes a wealthy person? Build a mindset. So That Wealth Builds
See Abundance from Scarcity Thinking Too Much It is necessary. There is a lot of wealth in the world. You are 75% People who are billionaires today are the first He did not bring anything. But he did all Created something. Whether it's Jeffers or
Be it Warren Buffett or Tesla's Elon Musk Whoever it is, you will see that everything is genuine. We Ok? And if they can make it happen, He did not bring any separate system. God He did not give it to everyone. Look God
Gave everyone everything, rich house, poor house. There was a lot of discrimination everywhere. just one Gave it 24 hours. He said, let me leave you behind in the race. Am. But I give the same 24 hours to everyone. Am. If you see the latest people who have made
Money in India Most of them youngsters are also people are from first generation You may or may not have studied well or written well. If it is done then it must have been a lot of hard work So change your mindset that I am not money. I can earn or will I have only this much or
As much as the sheet, so many feet or all this which we These are old statements, you Barriers will have to be broken and those barriers Those barriers won't be broken just by speaking. They will break when you create new knowledge. Yes, money will be generated faster when you create it.
But where can money be made quickly? is a must. what people think that I By investing or trading Make money fast. They don't think that I will work hard and make it faster. So you will have to get the right education. Some?
Which gives you clarity as to which There are some books that will teach you How to achieve financial freedom. There are some books that will teach you how to How to do budgeting. So all these things
Only then can you bring about a shift in your mindset. You can. But the first point is that the The mind is filled with garbage, old beliefs There are systems that we are middle class brother. We will remain middle class. I think you'll have to break it here first.
Right? Seconds don't think in years think in Don't think what I can achieve in a year. I will find it. Think about what will happen in the next 10 years. In India especially, we see that people Turned 50, turned 60, turned 70
Went. Financial struggle is going on. still Finance is not sorted. Stress is fine absolutely right so at this point if someone Is there in their 20s earning 30 35000 What would be a road map from your side
Take care There is a problem in our society, sir. The problem in our society is that Liabilities Are Celebrated So you get a house His installment on the loan is going very low.
The world is happy, look, he has a home. us and there's a person on the other side who has There is no praise for the lakhs of Machal funds that you have. He will not do it, he will scare him every day seeing the market If Donald Trump does this, he might fall. If this happens then we will have no liabilities.
is celebrated by buying a car le udhar pe emi pe celebrate hota hai If someone buys an iPhone on EMI, then friends They say, come on friend, let's party today, say EMI If I buy an iPhone and throw a party too The social construct of our India is
Liabilities are purchased from liabilities. Celebrates things that happened For the youngster. Today when I look at youngsters, the first thing I Give me the second salary and I will fill my salary there. Bucket with EMI.
Think of it as your first salary. One A common man works for at least 25 years in his lifetime. 25 years * 12 if we do then 300 pay check I will meet him. But he satisfies himself with the first pay cheque. Wants to put it on loan. that I have
If I get the money, I will buy something and take a loan. I should die on my head. So I think the first thing I should die on my head. So I think the first thing What a youngster should do is to Needed We I'm not saying you should never start
It should not be done from the first day. from day one What should be done? You have a car from day one When we get into the car, we first Don't step on the accelerator. We are the most First wear your seat belt. and seat belts It means that life risk is covered.
We We put it so that if it happens, we So there is no seat belt for life. Would apply. Seat belts when sitting in the car I will wear the belt. So life also has seat belts and
For that, first understand the risks of life. It is necessary. So if you are a youngster First thing in life, you need to wear your seat belts. It is necessary to apply it. Covering your risk It is necessary. After that the rest of the journey begins It happens that you took a date, you took it home
took my iPhone, took my car, You have made the investments. This whole journey This is the journey after wearing the seat belt. But People start with this and seat belts How to wear this seat belt? So consider the risk before wearing your seat belt.
It is very important to understand. There are always only three risks in our life. There is only risk. The first risk is loss of income. Took. There was no God.
There was no God. Today TCS told that 25 is around 20-25,000 I said I was firing 3,000 people. Am. which is 10% of its global work AI is coming. Everyone sees jobs at risk. In. Ok? Now if there is loss of income then your
EMI is going on. Your children's fees will be covered Has been. Whatever is going on. wherever you are That's why life comes first and foremost: seat belts Protecting yourself from loss of income Is. And you only need six months for that. Creating an emergency fund.
So if your salary is ₹00. your expenses It is 15,000. 15,000 * 6 ₹0000 to ₹1 lakh You must have an FD. We which becomes your first seat belt loss What happens now? When people were working They think I am God. We have some
It is about to happen. It will go to the person next to it. a little of mine Will go. Yes, this does not work. This office But anything can happen to anyone. You Know Life is way uncertain. So you put on your first seat belt. Which Is Your Emergency Fund Six Months of Your Life
So you would have got no power to you. Is. Don't wait for financial freedom. Create financial freedom. Start creating. Financial Freedom There is also a plan.
Taking freedom from anything is a plan. We saw two revolts take place in India. One Happened in 1857. Ok? and one from 1947 It happened around The one of 1857 was not that plumb. So we don't get financial freedom. Pie. Ok? 1947 Extremely Plund
Ok? There are many forces together in it It has come. There was a lot of action. So go somewhere We got financial freedom in 1947. So they say like Subhash Chandra Bose I will give you freedom. We So in this way every freedom demands blood. every
Freedom demands sacrifice. So today you Some sacrifices will have to be made because Through this you will achieve your financial freedom. So first your boss said something to you angrily. I said it. Your job will continue. Now you are safe. And I Think Six Months Is Enough Too
Six months is a lot. Now you know that there will be trouble at home for 6 months. Not there. EMI will continue. everything goes on Will remain. So that's your first life risk. Second life is the risk that someone else will lose you. Health may deteriorate. We
I still feel like nothing will happen will be. I tell people once in a while Visit the hospital and their menu Look at the card. First in life of Bhag We So it is very important to have health insurance.
You get its benefits. Yours Minimum I would say health worth ₹1 lakh Everyone should have insurance. ₹20 lakh if ​​you are with family Should be. Otherwise it should be ₹1 lakh
Needed The premium that comes to that is yours. Understand that it is an expense brother. This is my seat belt. And this doesn't help you build that emergency fund. None is enough for medical
An emergency may arise. So no amount of funds will be enough for that. And what used to happen in the old days was that in the house If a disease came, someone's land was sold or Then a big saving was lost, the jewellery was sold. We insulated ourselves from all that.
We have a basic health insurance policy. By paying the premium he ended all the tension. Finished it. So this is your second risk. Now The third risk, which is the biggest risk, is that Someone may die. Now that risk is for him and his family.
Because their needs can never be fulfilled. Will get it. But at least financially if they can Secure Their Family to the extent of the fact that his brother The next 10 years, 15 years, until the children grow up He remained secure until it happened. So that much
It is very important to take term insurance. But then take this. You should not take the first job. If someone depends on you, then you are Take insurance term insurance. No Are. There is no need to take it today. So if there is a 23 year old youth who is currently working
is invested and there is no liability on it right now Not there. He is not married yet Insurance Write Away. Ok? He Can Buy That Term Insurance If he goes, he can still buy it. Premium It will be a little more but it will take 7-8 years.
It gives returns. So you have to wear these three seat belts The third option is to tune out which is up to you. If any liability starts coming upon you. You get a home loan. You can avail home loan
That you will have to buy insurance. Ok? But if you had planned it So you can save a lot of money there too. So all these things, these first three seat belts Apply it. You need growth after that, right? A lot of ease in life to bring the mindset
Do it. Focus on your skills. Focus on investment. Then from there Move the car forward. Ok. In this, what you said in the beginning, I On the first point among these three points I am coming that as soon as the salary comes there will be no expenses.
I must have thought something. Actually that aspiration It happens when I am in school right now. Then I am in college, so when will my money come and Let me feel it. Then that concept comes up. You Only Live Once. Hmm.
She goes Even if you know that you are getting money for the first time Some factors become the reason. It Can Be Peer pressure. It can be social media, it can be Marketing and It Can Be a Thought That Man
Done. How to insulate yourself at that time. How Automation. Automation is very varied. You can access multiple banks We The salary that comes to your salary account
Never use the account for expenses do it. Otherwise, your salary will not be saved. To spend it. So, first of all, we used to watch a lot of movies. I used to watch a Salman Khan movie. It was a piggy bank for a sister's wedding and a mother's
Piggy bank for eye treatment. so not like that You also have to make piggy banks of life. And as I said, these two first Gullak is what your emergency fund is and You just put it aside. We If your income is Rs 35,000. Now you get ₹1
You have to create your own emergency fund of Rs. Have to make it. So a recurring deposit of ₹10,000 It's just a matter of 10 months. After 10 months, your emergency fund is ready. So now you are secure after 10 months. Ok? Consider yourself to have health benefits worth ₹1 lakh.
Of the year. It's ₹1500 per month. That ₹1500 per month you Removed the side. So now this has brought tears to my eyes. ₹12 you Now as soon as you get ₹00 35 ₹35,000. 18,000 left. Now you have ah sorry
₹12,000 gone. Now you have 18,000. Consider your expenditure out of that to be Rs 12-13,000. Hmm So it is very important to keep money out of sight. Is. Money is a habit, it is in the pocket
Do it or put it somewhere. Don't look in front of your eyes yes. So don't keep it in front of your eyes. For him Put it in a recurring deposit. from him Pay the premiums. And you will realize All this will not happen to you within a year or two. Things must have been done. And then you have enough
You will have money to achieve your future goals in life. To do. Don't strain yourself on the Very First Pay Check Bus Because if you paid your first paycheck Started straining that first penny As soon as I come, brother EMI brother, that roaming around
Then you are going to get into a lot of trouble. In more trouble, wait till at least one and a half Wait a little over a year and plan things. Plan and fund for them too. You can also achieve So everything is possible in that salary
Great I can also relate to this I didn't think about saving for many years. Have to save, have to save, invest Have to do it. When this is automatically converted into SIP Have put. Right? Earlier I thought I would survive will that do. If I survive, I will do it, and never again
When it was decided that first he should leave and then whatever was left I will enjoy it. So enjoyment also continues It kept on compounding. That's why I always say and that's again the The intention behind the podcast I have this achievement that I have done in a few years
Started first but came with her Have a regret. I wish I had made a profit from my first earning. Absolutely. And you should not regret this That's why today you are doing this from the first day. I told you I will do it if I survive. So we have to think that if we save then we will spend
You just need to change your approach a little bit. If we save, we will spend instead of if we save Himash Sir, habit is varied. We Whether your income is ₹00 or ₹15,000, ₹25,000. I say ₹500 side
We One person working with us earns ₹7 lakh We And their money runs out on the 25th. go. Used to travel on credit. Why? Habit Did not put it. If they had already established the habit
Could have done good savings and made a good Could also live the lifestyle. 7 lakh a lot To earn. There was no butt. There was no habit. And that's what I see if someone has the habit Still his SIP is running. still He has an emergency fund.
So I think it's a complete matter of habit. Why can't you develop a habit? why i am Asking you so that you can relate. People understand Find out whether we make this mistake or Then how are they trapped? We Or how do brands insure that
Don't let this habit develop. So What Kind of strategies brand use or what kind Mistakes are made by judges or people with 20s. I think the first thing I'm missing is financial I think that has created a very bad System
that here we have financial education There is absolutely no emphasis and money is Talking about money in families It was taboo. You don't even talk about what's at the dinner table. Could have.
I was reading some research somewhere that diabetes Many people say it is a hereditary disease. That comes to children from parents. then after I found out that it is not hereditary. They Hereditary because the same on the table Everyone got food. We
So mom and dad also used to eat the same food. Hi Children also eat the same glycemic index So it has nothing to do with that papa If it happens then it will happen to the son also. It is a change of habit. So similarly our financial condition is bad.
All of whom were in bad financial condition. Everyone's thinking was limited. Everyone said no about it Took education. You are a Marwari, Gujarati, Sit at the table of Jain community or businessman Sit at the table of society. The son will say I need 1 crore. So father him
I will not scold you. You will ask why is it needed? you What will he do with this? What is objective? So Ask ROI-oriented questions Will ask. So a child's mind works Is. Same thing happens if someone comes to our house asking for ₹1000. Mom and Dad, take it, son, this month
Money doesn't grow on trees Money doesn't grow on trees. So now his mind So I Think the Dinner Table Talks Around Money Impact a Lot and That Are Not Very Positive Right Now in Indian Families. So it is very important for us to know that
Knowing about financial education Needed Relationship with financial money How to keep it? Our relationship with money What is? Do we belong to the spender category? Are we in the saver category? Or we FOMO I belong to the category that I can earn only through money.
Whatever dominance there is, it will be visible. Every there are seven eight Relationships with money. So what is your relationship with money? It is very important for you to know. that you get your financial education Take it.
The second is FOMO. Now a sir is very good The story happened. In the middle of a band came Was. What was his name? Cold play, right? I have heard the songs I appreciate him so much does not. The Backstreet Boys came in behind.
It was a very big event. So I came for her because I have heard Them from in 90. So I had a very good It was my dream that I would go and see them. So I met a guy. That Cold Play He bought the ticket in black. ₹1 lakh.
I said, wow. So I said good Tell me brother, who is the lead singer of Coldplay? Is? Don't know. Five of the best Coldplay Tell me the songs. Don't know. So I said you Together means there is a connection between a person and someone If he hears them, he goes to listen to them
He says no, my friends were going. So I also went there and said brother, this is ₹1. What else did you have in mind to do? You had to go to Ladakh or Dubai You had to go and do something else. He spends money so he doesn't leave other people
experiences of other people Experiences don't need you for your sake What is it, it is very important, you do all that Write, I had a boy and I met him. We Then why are you running after iPhone?
If you are running, you need to plan. What do your experiences mean to you? It is important. what makes you happy It is very important that you get it. So this FOMO It is created and your friends go. Borrowed Happiness is what I call it
You design your happiness from the happiness of others Do you. I think stay away from all this Needed You should know what makes you happy. You should know how you can afford it. and his There is no problem. If your friend likes a girl, you can't marry her.
If your friend likes a girl, you can't marry her. You won't do it with him. [Laughter] Should I go back a generation or 15 years? If I go in the 90s, then at that time
Options to spend were also low End Influence to Spend Was Also Low In today's date, somewhere or the other, that environment It is created that everything, every We Right so everyone is trying Domino's bolega
Get your happiness delivered to your home, Coke It will say, open Happiness, Apple will tell you Brother F means iPhone. So at this time there is also a problem that We Because you are being given data all the time
That this is your happiness. This is your happiness. This is the class. This is what confidence is. we we With fast fashion, it means that it is away from home. When he comes out and goes to college, he will love her. Meaning, comparison will definitely come about its clothes
Yes yes. So how to create an insurance here? Look sir, only one person has to Seat with himself. If you don't know that you What are you doing happily, I think you are quite
Meaning and then you think that I am the other I will be happy by sensing the happiness of Because every time you get a hollow experience It will take. Now that same Coldplay guy's kid If 10 friends have gone. The rest are dancing They are dancing because they understand the song.
Like he was fond of English movies in his childhood. He clapped as he left. This said yes to me I also have to play it because English is so It doesn't come well. So that's the situation You happiness. This is sure. Now which experiences will give you
Happiness. You have to taste it. to see you What things do you like? To you I liked it more. I liked travelling more. What things did you miss? So those things You should focus on it. And I think over years In life you will evolve. And you don't get anywhere
Somewhere you will find out what he is What do you like? But you have to sit with Happening. I would not ask this question many times. People would have asked themselves, should I What gives you happiness? Just Getting
Carried away, well this is it, so let's do it. If he did that then let's do this. I Recently I was having a discussion with If someone's mobile phone is not allowed At concerts or as many fitness There are so many events happening these days.
Story posting is probably not allowed These things will reduce the footfall by half. Right? A lot is happening for validation That I should also reach there and post the story. Absolutely. I told him, I said you gave ₹1 Lakh diye tu tere tu Instagram pe reel
If you post it, you will get 500 likes. Ok. Now your one like is worth ₹200. So now you have bought one like for ₹200. So You can't evaluate what others know. I read a very interesting research. Had been.
We It was written in it that the age of 20 to 30 is we we Ok? 30 to 40 is the age when you They say others can go to hell for me. What are you thinking? And after 40 you
No one was thinking at all. [Laughter] So if you get this knowledge of 40 in 20 That the world is not thinking about you. A boy came and saved a lot of money. Bought a Louis V belt. Now sir, you think about Louis V's belt too.
I know. One lakh and a half lakh rupees then bear It will be minimum. Now he came and went to the office from home He is coming to the office in an auto. Now he is on an auto Tell me the loin comes down wearing the belt. I Bought a belt. He said sir it is original. spoke No it is fake. He said, Sir, what are you talking about?
yes? I will show you the original bill. I said He will travel around showing it to the world. You said auto Of. Your ecosystem is not going to be told Is. So be it. So the entire ecosystem is yours.
Is. Meaning, if I tell you about fake loin today, wear it. Even if I come, people will still believe me to be real. spoke Make. First take your ecosystem to that level Let's make all this stuff match up to that. Ok? You will definitely buy an iPhone today. But
We So the situation outside is very bad. I all this That friend, today people are so worried about a small thing. ready to react more Because it has become so difficult for them. It's variant right here. to do that self-study
that sit with yourself and actually think What do you want? What is your VY? This is a very good thing to say. Let's say Write Down the 10 Most Important Things of Yours and Strike the Last Five The first 10 things that will make you happy
Write that down and tick the last five of them. Take a bite and focus on these first five If these first five are also achieved then you You will be very happy in life. You will be very happy in life. Start your investment journey now
Next? Is it three ticks or two ticks? Went. What next? We got gold when we were doing CFA. Based investing is taught. Yes. That you make a goal. You will get 3 years for Example: You want to get married. in 5 years
Needed In 20 years you will be financially So you have made these goals. Now What will Manifestation do? these goals will get you internalized through visualizations
Through experiences. So through that you You will do that. But there is a plan for that too. You don't know that I will get married in 3 years. Have to do it. I need ₹1 lakh. If you want ₹1 lakh How will you come? So our investment is Investing is goal based. We
So you decide in which year I will be born. How much money is needed and for what purpose? And all your goals are life There are events. Whether you get married or have a house, I have a car, I have retired. all these There are life events. Now for every goal you
A SIP or mutual fund or Investment or gold or whatever asset You have to define the class. I want to invest in it. So if What are they?
So he should understand normally and simply that for me I am going to make a long term investment And for long term investing, Our Top 500 Companies in the Indian Markets Research will have to be done. In its place comes an index called Nifty 500.
He can invest whatever he has in Nifty 500 is through a mutual fund and comfortably invest your Can. So as India's top 500 companies Will go. It is as simple as and if that goal based
Then he needs some planning. Will have to do it. You have to understand your numbers. How much money is needed for which goal, when and some asset allocation will have to be done that We What kind of ratio should it be? Look at me
What kind of ratio should it be? Look at me It seems that no one can remember the once-your-own Emergency Fund and That's It Do not invest below 25 to 30% he needs If your salary is ₹00 then ideally 7500
only need And now FM has given you up to Rs 12 lakh. So now you don't have to pay any tax. So you have to pay tax on Rs 5 lakh to Rs 6 lakh. Even if it was ₹23000, he took the same amount Now consumption can also go into SIP
If you invest more then obviously You will get its benefit. So whatever your salary is, you can save 25 to But you must invest 30%. This minimum amount must be paid. Now How to proceed further? Again those goals
Have to do it. So 25-30% is invested and the rest can be Be Divided Between Your needs, wants, whatever you need You have to spend to live a good life It can be done in front of everyone and I
Take us till. They say Sir, the expenses are not much. Are. So they are accelerating their financial See Sir, the formula for compounding interest. We were taught in childhood and explained
did not went. [laughter] I taught it. a = p * 1 + r n taught very simply. It has three components, sir. How much money do you put in? Woh Returns Is. How much money do you put in? How much is that return
Is. Your final outcome depends on these three things. Now let's come, how much money do you invest? As much The more you add, the better it is. Savings rate is 20%, investment rate If someone has 20% versus someone has 30%, then that person wins.
He got it first. Point number one. Point number two, those returns. How much does he earn? Sir, this is in someone's hands. Not there. It is not in anyone's hands. And Everyone wants to control this. So that I can get more returns.
You put money in for it. Hmm. And the funny thing is, for how long You put in the money, he is in power. everything else is in multiplication. So that means the biggest impact is on you. Investment is going to be a matter of time.
If I invest less money, more returns. I am putting it in for you, so I don't have that much money. will form. But if I'm putting in less money, I am putting it for a long time. I have his You will get a lot of benefit.
I understand the magic of compounding. One Joe of the Bar and Everyone Who Is Watching Time If we go with numbers or examples Explain how much difference it makes Because listening may not have that effect. It will come which will be understood from the number
We Its name is HDFC Flexi Cap Still going on today And when that unit was launched, it was for ₹10, sir. Was Okay, now you tell me sir, we don't have it here.
He sees what he sees after 20 years. He says that my father bought it for ₹1 lakh. How many years have passed? It's been 30 years. But look 10 lakhs became 2 crores. Yes, very good. Congratulations now in mutual funds No one is seen in the guna. All at CAGR
Let's see how much the year has grown. 15% 20% 12% Now this ₹10 fund sir is 30 years old today. Today that fund is worth ₹2200. A fund of ₹10 is worth ₹2200. ₹10 is equal to ₹2200. How many times has it increased, sir? ₹20 times.
Meaning someone's father would have deposited ₹1 lakh. Are. If the plot is in it then today it is ₹22 There would have been crores. Ok? And if someone has an SIP of ₹10,000 If I had done it for 30 years, then that amount would also have been Today this value would be around Rs 202 crore. inserted
How much was it? ₹36 lakh How much did you make over 30 years? ₹22 crore. ₹21 This is magic. Now let me tell you one more thing about it. Sir Warren today Buffett's company, Bashar Hathaway, has one One share is worth Rs 7.5 lakh.
In Indian Rupees, approximately One share is worth ₹6.5 crore. Now that he One share is worth ₹6.5 crore. Now that he It was launched in 1965 for $1. It was launched in 1965 for $1. And think how much he is worth today. approximately
We Ok? And today it has become around ₹8 crore. Of. Ok? If someone has studied this from 1965 onwards 2025 60 years If he had done an SIP of ₹1000 till then, he would have
What would the amount be today? Tell me. Tell me. The answer is Rs 794 crore. He would have 100 shares today. Bagsher Have Ke. Yes. Only 100 shares
But the value of those 100 shares would have been Rs 794. So there are infinite such examples. when someone So there are infinite such examples. when someone If someone had shares of Nvidia, iPhone 1 If he had bought Nvidia shares then, he would have been It would be ₹1 crore 20 lakh. ₹1 crore 20 of ₹000
There would have been a million. You will find many such stories. And those many stories are made fun of by people. They blow. But after 20 years I regret it Hey friend, I wish I had put it in. 5 years I still regret it later. I wish I had put it It would have been friend. My sir, the mutual
It's done. It has increased seven times. And It's been 10 years now. Now think about the next The times must have been increased. And in the next 10 years, when it grew six times If it is there then it would have increased 216 times. So what should I do? I don't have to do
There is no intelligence required. There There is nothing required. the same thing What is required is patience. amazing. An example in this context If we add more just to understand This is because when I talk with 20 years old
Olds will come and start at some point. Investment should be done in 22, 23 and 30 We absolutely right what kind of difference Sir, see if someone 10 years ago
just 10 years ago So whoever starts investing after 10 years And if the horizon of both is 30 years Hum Hum To Hi Has To Invest Three Times More to Make the Equal Amount Three Times More
I will start with Rs 10,000 and save 30 years of money. I will put that with me after 10 years of my life. to get as much money as I do ₹00 will have to be deposited and after 10 years If he deposits, he will have to deposit ₹1 lakh. It makes so much difference because Sir, that n
Isn't it above in power? That is the biggest element of compounding. It is time, they think in Mahabharata that I am time [laughter] So it's just time. The one above is very powerful And the one above is very powerful. [Laughter]
Nice variant that's why sure the better Absolutely as Sir, I say I have no He said that whatever I earn ₹000, I I cannot invest ₹1000, he is a liar. Am. He is a liar. You should think that you do not have Rs 25,000.
You don't have 20,000. Your 19 Is. Now you will be ₹00 so you think I am 45. Not 5,000. Yes. until you think that You will not make money on your investment until you bring it in. You will find it. We
Sir Warren Buffett started at the age of 11. Today He is 93 years old. We 82 years, 45 years to his first billion 82 years, 45 years to his first billion Were engaged. And within the next 30 years, 30-35 years
Within a year that 1 billion became 150 billion. Imagine it took him 45 years to earn his first billion. Imagine it took him 45 years to earn his first billion. Started. And to bring the next 149 billion, they Right Just wait for it. I'll give you one more Sir
Let me give you an example. a If I say today I have a 6 Sir, I don't want to do anything further in life. I want. I will not make any investment. Some? I will not do it. I will spend money and have fun. I will spend whatever I am earning. Just these 6
We And sir, it was compounded at 12%. So this every It will double in six years. So how much will it be in 30 years? So people think Yes, it will double every six years. So The fifth will be double. So the fifth double is 2 * 5
The fifth will be double. So the fifth double is 2 * 5 10 No sir it is 2 5 which is 32 Now it will be 6 crore 32 times in 30 years, so that I know it will become ₹200 crore. After 30 years, he has ₹200 crore left.
Will be. Now people laugh when they hear this. Dude, you're driving me crazy by doing this. Yes it will not be 200. 140 will become 150 Will go. Or two if God is more kind 200 will also become 250. We The point is very simple sir that for one point
After that, compounding becomes so magical. It takes you with such speed that you Enmisaz cannot even imagine that he is Will he be able to do it or not? But people don't give that time. The statement was that the majority of people in India Those who trade in the stock market
We And on the other side I see a lot of people It starts from college itself. And Again Many people in India in the 20s and 30s Many people in India in the 20s and 30s Remain engaged in trading. So this is what
There is a culture of trading, on one side they are saying There is no earning in trading and other Everyone on the other side entered the trading cycle Used to be. Going inside trading. Used to be. Going inside trading. Is it suggested? Should they go for it? See
Sir, I really like two things in this. Is trading a career? yes absolutely Not there. Because lots of people are making money Out of trading and globally people money Are making. There is no such problem. But there are two issues that I see. The first is
But there are two issues that I see. The first is that we do KYC that know your Customer. We are not doing KYC. No Yourself and your Y. So do KYY It is very important what your nature is. We of Trading
for example You know boxing is also a game. Cricket is also a There is a game. All four are games. We But the nature of all four is different. Boxing is an individual sport. High Agility
Is. There is speed. And in one stroke you are out You can. You can get knocked out. Cricket gives you Gives time. Golf gives a lot of time. You get time in football also. every You don't need to rush time. if you If the ball is somewhere in the section, then it is on that side
If not, you can stop. Boxing at 10:00 It's a game you just can't stop. Close to impossible. two minutes out You cannot stop in those 2 minutes. We So, is your nature boxing?
This is being checked first. Know yourself. Do you really want to play that game? it can It is not that boxing cannot be played Can. People are still playing boxing. But do We So first of all you check that you have that game
You can go in because when it explodes If it happens, it will be very bad. And pick yourself up again after a knockout Preparing for the next game is going To be very difficult. That's point number one. Point number two is that people think that it is
A Machine to Become Rich Overnight. me on this You won't have to study. What is education Need it? watch a YouTube video And the work will be done. It's not like that. Medicine If it is taking you 5 years and after that Then you become a junior doctor.
Gradually increase to a salary of Rs 10-15,000 By doing this you become a surgeon. You do an MBA Are. It takes 5 years to complete B.Com and MBA. In. It takes 4 years to complete engineering. Are. So why do you expect this from trading? That in 2 months or 3 months you will become super
Go successful. You take this that first 3 You will not be able to make money from trading for years. You will not be able to earn for 3 years. because until then Then you will not be able to learn. you know when Then you will learn. First three years you can not make money. You
Talk to any good successful trader Everyone will say the same thing for 3 years, 4 years, 5 years. Will the numbers come out or will it take time? This much. After that your confidence increases. yes. You are able to maintain your emotional control. The game is more about emotions. Less of a strategy
we we So you have not learnt this. You have no Installed the computer. Blue colour light As it seems, we will become like that too. Trader.
So becoming a trader is a journey. Becoming a Trader There is a choice. Like joining the army is a choice Ok? Serving the country is a choice that You can take the pill, right? So that's a choice. are you saying crazy Will he? It's my choice. So does the trader
Ring. And You Have to Be Very Fast Very Agile Extreme emotional control. It Can Be Played But Then You Have to Learn and Practice a lot. That was a 2-minute bout. People keep busy with this. 18 hours of practice
Are doing. So that is very important. From this There are easier ways to make money. Absolutely Are. It's not like that. But if you have to do it then This thing and secondly a lot of focus on learning Have to do it. You have to focus a lot on emotions. And
Don't expect ₹1 for the first 3 years. Some? There's no money to be made. And one thing that What is very important for this is consistency. what people I think I'm sitting alone in my room Try to find a group of traders. Try to find a community. when
Yes friend, you can make money in trading. See you. You think yes, friend Money will be made here. then you start Thinking. You Talk Start Talking To
Successful traders. You Start Reading Too Reading About Them. Then you little by little Develop those habits. it takes time Sir. I have also been trading for a long time. Am. My profitable too I probably last It has been three-four years. I made a lot of mistakes
Curry. Lost a lot of money. Above ₹1 lakh I have lost trading. But I realized My weakness? What Suits Me? what does Suit me? One more thing that happens in trading Today someone else's strategy, tomorrow someone else's. Strategy, someone else's strategy the day after tomorrow.
So, like Bruce Lee used to say, I Don't Fear a Person Who Knows 10,000 Kicks. Kick 10,000. Trading Is Pretty Much Similar To that. that you can work with multiple strategies Can't flirt. Let's go tomorrow Himesh Sir I liked the one. No no friend, their main
There was a loss in that. Now look at someone else Are. So it doesn't work like this. You Have to Stick to something for at least a year to years to Live That Strategy. Going Deep Into It Now the strategy we use is I have been using it for the last 5 years. we don't
It would have fallen. But now that strategy has become muscle memory. In. Now no matter how much money we have at stake It may have been installed. We don't have any tension. What is our risk? What is return? How much can I lose? what's wrong with me
If it happens then how many of you say sorry To use the word clothes will tear So we know everything So it takes a lot of hard work to do this. Do this on the first day, that is possible, that is not possible
Yes it's like any other education and any other Career It Is Not A Part Time Job Part This is not part time that I am in the office and I took the trade and I I will be successful in that later tonight. I will do it in crypto then 24 hours at night
proper if you want to do it like a Business. You will lose some, you will win some. And I think that's why the majority is losing. yes because it's like a trend Brother, he did that and the video came on the net See, I will do it too. No knowledge
Is. Someone very much covers his journey I didn't do it, I didn't practice. He to him who The time required was not given. Expectation The returns are the same for those who study for 5 years. are doing after. And but time is spent few days, few
Weeks. Sir, look when the doctor is treating you. If they are there then no matter how much testing is done We It cannot be done in one life. That is when You graduate and then after 15-20 years You become an assistant and then you have to go somewhere and get a job.
we we Okay, now consider that you have entered inside. You watched the videos and invested all your capital. People come to me sir, I gave 25
Loss of Rs 40 lakh by causing loss of Rs 1 lakh Meaning you are crazy when it costs 2 lakhs If it had become 3 lakhs then we would have stopped and It cannot be stopped because controlling I haven't learned it's like that same side The ball is coming and you are getting lured
Will hit and got caught behind. So you will have to leave that ball. You will have to learn to leave the ball. Brother That's why you said it's a game of emotions more No one lacks skills. His skill is only 10% of the entire game.
It is only 10% because I will give you the skills. I will write it down and give it to you right now. This is mine This is the drawdown. This is the stop loss. Target This is the price. This is the entry, this is the exit Were. He had said one thing. If I Also share your strategy on Wall Street Journal
Even if I put it in, people still didn't make money. Will find. Because they lack emotional control and De Lac Discipline. So both of these have to be learnt. Everything else will come. No problem. Another thing we struggle with a lot Youngsters always wonder how to budget?
We How to plan now? So any suggestions? Sir, budgeting is the basis of our life. Its Like Google MA in Current Location which It happens that without current location you Even if you enter the desired location, there is no path.
will get. Yes, yes So our current Google location is Is. We should know where our money goes. Control of our money. Now what would be the problem with many people?
Is? There are three big myths here. or so they think There is very little money. What will I budget? No need to do budgeting. or that I think if I do budgeting then it will be a mess. I will go. These are three big myths about budgeting. All three are wrong. as big as
Organizations are as big as There are households, everything works on budgeting. Let's move on to budgeting. podcast now If it starts then you tell about a family Behind the scenes of how those people also first They put the children to the test.
Right? He should know how to live on less money. So you don't have to spoil the children. To you Budgeting will have to be done. Everyone should budget So budgeting is the foundation of your life. Now How to do budgeting? It is very simple. One
Grab an Excel sheet and look at your last 3 months. Divide the expenses. And how to distribute it? One is fixed Expenses, one is variable expense, One is periodic expenses. Fixed means your rent will be fixed.
Your electricity bill is going up, Your maid expenses are covered, no EMIs After that comes the variable. would be variable I do have to go, but how far do I have to go? Don't know. For example, you travel to office.
For. Sometimes you take the bus, sometimes you take the auto. You do it, sometimes you do it by metro. So So that became the variable. The third is periodic. Periodic means The subscription arrived. So these are all the periodic expenses. So
Create your table in the same way as mine What is Fixed Expense? my variable What is? It is periodic. So there you have it It should be clear in front. After that it Please give me a ratio of my fixed The cost should be 60% of my total cost
In the remaining 40%, I also have variables. I have to remove it and I also have my periodic Now when you sit down to spend on it You will start feeling disgusted with yourself. Because you will see how much money you make on SWGI You are posting, you are posting on Zomato, Uber
You are putting it on You will see that you give them a gift. You are making money literally. And why does he do that had been? Because you have connected UPI It has happened. And what is UPI connected to? It is connected to your salary account. And All the money is lying in the salary account.
Hey give me money and take money. You played UPI Going. I am all sitting here, right? How much do you spend on UPI? Brothers of the Month How much money is transferred through UPI in total? No one knows [laughs].
So brother, from today onwards, find out that this is also the case. [laughter] You guys, I did it a little publicly. I don't know whether the objective was clear or not. People would know how much you are doing for it. what are you doing And then rationalize a little bit.
You will know friend if I siggy zomato I am investing ₹10,000 per month. What I've been going to dine out five or six times. Am. Is there so much need? money from here Will be saved. This is the leak in your bucket that You have to put M seal and money from there
Isn't it? I really liked that ad That water fell from above and the forest was destroyed. So the matter is over. So is yours too So that the forest does not get destroyed because of this. So it is very simple. To do this you Keep the expenses of the last three months. Then
Target my UPI I have to take the expenses down. Take it down 10%. Today all your UPI The expense is ₹12,000 per month It is ₹10,000 per month. Next month nine Do it. Save just ₹1000. next month he
Take it till eight. Then what to do? a different Enter your bank account and connect UPI to it Do it and withdraw up to ₹8,000 from your salary account Deposit it in that bank account every month. Money. My salary is linked to the account. So salary
Then he will go from there. well after that Will you make an FD? Sweep in FD Will withdraw from FD there. Yours Investment will also be ruined. Why do you have to do all this? Quietly a third Create an account Expense Account and
The amount of UPI money in the expense account Deposit it from there and transfer UPI from it Connect it and then spend it. Any There is no problem. So in budgeting you First you should know where your money is going. Then you should tell your money where to go.
that you should know before you go with Where have you been? Then give him instructions Don't do any petty activities. We just have to look That we can rationalize. Can someone But I have seen people whose salaries It is 40-400. It's just a budgeting exercise.
It is 40-400. It's just a budgeting exercise. Sir, I have ₹2500 left for the year. 25 to ₹00 You can visit Ladakh. Rishikesh You can come back after visiting. Someone else is even better You can do things. You can invest. So how much will be done?
Right right. Just by doing one simple exercise which Right. You said in the middle that for money There are six to seven types of relationships. What Look sir, everyone has a relationship with money.
It has similar categories. first of all There is a saver who just saves money. We What happens to such a person? Investment and Happiness Both. He will miss both.
We Have to spend it immediately. him repeatedly Have to keep spending. I would just spend Have to stay. One is an altruist. Alterist He is the one who keeps distributing money. We
There are some people who just give money. Are. Meaning if the friend is not there then he goes to his home There are such people. Meaning they don't know Would. They just flow away. swept away by emotions There is one for whom those who are Ignorant that it is me who gets the money.
My wife watches it, my father watches it, My children watch. Not to me, not to me Don't tell anyone. I am not able to understand. Yes, I mean finance gets really scared. Are. So this is also a category. And here Generally females are a little more who
On parents, on husband, on children Depends on financial intelligence So this is a relationship with money. One who defines his self-worth with money All the time. that I have If you have money then it means spending it on me.
I have to show it so that people praise me. We There will be someone who always keeps chasing money. That is, brother, never do anything. Next your Gives post dated cheque to. He just I will be happy once the month is over.
If it happens, I will be happy. Now it has become 2 lakhs So he said, I will be happy if it becomes 3 lakhs. So that poor guy remains unhappy. So these would be some five to seven types of relationships. with your money. So you know first Your relationship with money should
What is? And any relationship in totality is wrong. It is not there and it is not right either. Ok? I'll just say a couple of Like he is an ignorant altruist. But if you are a saver then saving is good. There is attitude. A little bit of spending in it
Ok? So by doing this you have a right mix It should be related to money. Your You Should Know When to Treat Money In What a manner. Master, there is no money. You are the master. He is a servant. His job is to serve.
Like AI has arrived today. So if our AI If we get suppressed then AI becomes our master. But Became a master. We are better than that You can get the output. So Humans Will want. Right? So Money Can Be a Very Good Servant
Very very pathetic master right. Very Pathetic Master. We were doing a podcast with him once. Gurudev is the founder of Art of Living So I asked him a question about the money. Take it. So I remember the line ke paisa jeb
I'm good at it, not in my head. It should not go to the head. There is also a very good one by Premananda Ji Maharaj. that the meaning was never on your mind Should not come. So everybody who has a very spiritual side
He is strong and likes to keep him on his feet. We do. We do. Going back to the road map in this. we are talking Reached 20. It came in 30. Now the only goal that we have is financial.
Freedom is what you initially spoke the word for I wrote that financial freedom Earnings are increasing. You told him Started investing. Now one The objective is that I should run in this race throughout my life.
Have been. So let's understand a little about financial freedom. I would like to. One Key Because You Have Achieved Financial freedom? So what is your definition? Is? Why Sanjay Feels He Has Achieved Financial freedom? How would this be defined
Is? And then how they should plan it. How can people achieve this? Sir, look Have the right. They just don't know how to take it. What are you saying? Because they have knowledge sir, see end of the day
A life is a highway. Just as I'm coming If you are in Gurgaon then there are exits. To reach your destination. You I can't travel on that highway all my life. So in the same way when you work for someone else If you do, it is a highway.
Which is not wrong. We I am not against 9 to Jobs I too am made from a 9 to 5 job. But I had a plan. You are also from your job Have come. Many people have come from jobs and many People have done very well with the job.
nothing to lose And one when you have so much that you can't So you have to choose a time when You have to take risks in life. Now the first time
You have entered the market, take liabilities You have finished. Make a plan as to which one I should get Exit 10, exit 11 Have to leave at 12. Now financial freedom means sir Being rich does not equal financial freedom.
A person can become financially sound even with Rs 50 lakh. It becomes free and someone gets Rs 50 crore. I can't do it either. We The funda is very simple. Singham dialogue Is. The one who has less needs, hence he has power. Is. You need to manage your expenses
Is. and as much money as possible You have to invest. The more money, the longer the time The sooner you invest, the sooner you Achieve financial freedom. Sir, when I could have bought a Mercedes, I wanted a Honda.
When my friends could afford a Honda City Mercedes drove off. He is still working today And next month's EMI is hanging over their sword. It has happened brother, next month's EMI It has been four to five lakh rupees a month. Because I passed out 20 years ago.
Almost 16 years and 18 years old, so he is senior After doing hamsters I have reached the level today But they can't get out of this race because Every time he lived, life gave him I decided, son, what should I do now? So I said friend, what was that dialogue in life?
Life is this I like this So sweets and yes to a suit or sweet There is a series like this in which it is said Life is this, I like this, so do it when Harvi, yes do that but only when you have money
It should be very clear that I You must have a number and that number We Now people get very scared of inflation.
This is this, that is that. You first this Realize your expenses today. I am going to be zero. For example, your children are studying today. We For example, you have a home loan. His
We So why are you counting that expense today? You look at the base cost. to run your home What is the expense? Understand your total expenditure ₹1 Lakh with EMI of ₹20,000 If there are fees for the children then your expenses will be
So how much will the cost of ₹00 be after 10 years? When the children leave, the EMI of the house will go away. Everything will be gone, a million months will be gone We Now if you want to withdraw one lakh rupees per month then we
This assumes you earn 4% to 5% per year. I should take the assumption that I can earn 5% returns. Consistently, one lakh months means 12 per year. Lakh And 5% means if you have ₹ 2 crore 40 lakh At that time we will be
So you are financially free. You can withdraw your ₹1 lakh You can also take out the expenses. Your money It will not end and whatever you are financially You will be free. After that, whatever you earn doing your own thing or doing your own business or Following your passion is a different thing.
But after this point you will have to work for someone. Don’t want to do. Wealthy is that your money is so We It is your choice whether to work or not. Butt Banging So now you have taken an exit from the highway and You can plan this out
Through investments. Now if someone He needs Rs 2.5 crore after 10 years and he wants it today. He does an SIP of Rs 30 to Rs 400 and gets Rs 1000 per year 5 10% step up. He is his
He will achieve the goal. So planning is very important It is necessary. I decided that 40 Doing it for someone else And that plan with God's Grace achieved in 39 It happened because the markets were good. If it was bad, maybe it would have been achieved in 41.
But it is important to make a plan. not round If we make it then how will we achieve it? If we make it then how will we achieve it? So That's Why Financial Freedom Is Not That brother, you don't have to do this work. It's Not that not working for someone else.
You get no from the power to should. You can create a legacy. So you your We It's a very sweet spot. Those who get the finish It's a very sweet spot. Those who get the finish I have to do it so that someday you will feel that I am today
If you want to pursue it, you can do it. If you want to work again, do it. Get it. But ultimately the goal is to do The thing about having to fall should end. wants to do That Monday should not come loose. Journey from Padga to Chahta.
What was your top learning from this podcast? doing? Please do tell us in the comments below. From this When we read each other's comments The entire podcast will also be revised. everyone Podcast summary available in comments Will remain. And my book The Manifestation
Blueprint is now available at bookstores and online. It is available. This book will help you In transforming fear into confidence, in turning procrastination into action and Turn your [music] confusion into clarity In changing. I will give you the buying link of this book.
See you in the next video. Till then, be happy See you in the next video. Till then, be happy Keep sharing happiness. I love you all.