₹38,000 EMIs on ₹46,000 Salary - How To PLAN? | Money Matters Ep. 60 | Ankur Warikoo Hindi

"So I calculated that. So I was quite shocked to see that, please tell me what the number was. Sir for me it's a very big number. I invested around 16 lakhs from 2021 only that amount which means with interest it has become almost around 21 lakhs or will become whenever these loans are running."

"So the approach we will adopt should be that you will first repay the loans which are most likely to be repaid and with the money saved from them, you will try to repay the biggest loans. Which are the bigger ones? Not those whose amount is huge but those who have a lot of time left because if the interest of those who have a lot of time left is saved then our loans will reduce quickly."

"My suggestion would be that out of the ₹00 you invest, you should invest 10%, sorry 10,000 means 50%, in NFTF 50 which is a safe large cap mutual fund. You invest ₹5,000 in flexi cap or mid cap and then ₹5,000 in small cap."

"So this 20-month plan will probably be completed in just 15 months. It will be missed. If you are getting any surplus from anywhere, you will start adding that also towards the principal. But let's assume this will be a 20-month journey. At this point you should start investing."

"So this 20-month plan will probably be completed in just 15 months. It will be missed. If you are getting any surplus from anywhere, you will start adding that also towards the principal. But let's assume this will be a 20-month journey. At this point you should start investing."

"And remind yourself that within two years a very new life is about to begin. And it is your full responsibility to give that life to yourself and your family."

"Sir, when I was making this file in January, whatever I have invested till now, that is, whatever investment I have made, whatever loss I have incurred by taking loan along with interest. So I calculated that. So I was quite shocked to see that, please tell me what the number was. Sir for me it's a very big number. I invested around 16 lakhs from 2021 only that amount which means with interest it has become almost around 21 lakhs or will become whenever these loans are running. Wow wow and this is only with crypto that crypto has invested in."

"Sir, when I was making this file in January, whatever I have invested till now, that is, whatever investment I have made, whatever loss I have incurred by taking loan along with interest. So I calculated that. So I was quite shocked to see that, please tell me what the number was. Sir for me it's a very big number. I invested around 16 lakhs from 2021 only that amount which means with interest it has become almost around 21 lakhs or will become whenever these loans are running. Wow wow and this is only with crypto that crypto has invested in."

"So the approach we will adopt should be that you will first repay the loans which are most likely to be repaid and with the money saved from them, you will try to repay the biggest loans. Which are the bigger ones? Not those whose amount is huge but those who have a lot of time left because if the interest of those who have a lot of time left is saved then our loans will reduce quickly. That is the approach we are going to follow."

"My suggestion would be that out of the ₹00 you invest, you should invest 10%, sorry 10,000 means 50%, in NFTF 50 which is a safe large cap mutual fund. You invest ₹5,000 in flexi cap or mid cap and then ₹5,000 in small cap."

"So this 20-month plan will probably be completed in just 15 months. It will be missed. If you are getting any surplus from anywhere, you will start adding that also towards the principal. But let's assume this will be a 20-month journey. At this point you should start investing."

"So this 20-month plan will probably be completed in just 15 months. It will be missed. If you are getting any surplus from anywhere, you will start adding that also towards the principal. But let's assume this will be a 20-month journey. At this point you should start investing."

"So this 20-month plan will probably be completed in just 15 months. It will be missed. If you are getting any surplus from anywhere, you will start adding that also towards the principal. But let's assume this will be a 20-month journey. At this point you should start investing."

"So this 20-month plan will probably be completed in just 15 months. It will be missed. If you are getting any surplus from anywhere, you will start adding that also towards the principal. But let's assume this will be a 20-month journey. At this point you should start investing. My suggestion would be that out of the ₹00 you invest, you should invest 10%, sorry 10,000 means 50%, in NFTF 50 which is a safe large cap mutual fund. You invest ₹5,000 in flexi cap or mid cap and then ₹5,000 in small cap. So this will balance your risk and you will also get a reasonably decent growth outside. Of course sir of course I you will do it. Thank you. Thank you for being patient. Thank you for explaining to people through your story a very important life philosophy that if you run after overnight money, there is always a flaw somewhere. There is bound to be an obstacle somewhere. And life could be very different. If we invest money wisely, slowly and patiently, we can fulfill our desires. Sure thank you so much Batu. All the best. Take care. All the best to your family. I wish you good health and celebrate the festivities well with your family. And remind yourself that within two years a very new life is about to begin. And it is your full responsibility to give that life to yourself and your family. Ok? Of course sir, to be honest sir, I used to watch your videos for a long time. And ever since you started Money Matters, I felt like I was the only one in this sense who was stuck in this situation. Seeing others on your channels gave me some encouragement. The way you guided them, I also felt very confident. And I thought that by talking to you, maybe I will get to learn something good about financial situation as a guardian or as a younger or elder brother. And to be honest sir, I got to learn a lot from you through this episode. How should you handle your financial situation? How to certify things and how to make things easier in life. So thank you very much for that sir. Thank you friend. Thank you. Thank you for being so graceful. I know that with all these things it will not be easy to show our names and faces publicly. But trust me, through your story many people with similar stories like yours will get a lot of encouragement. So thank you so much for that. Thank you. Thank you. All the best to you. Take care. Bye bye. Thank you. Bye bye. My fourth book on career is written in a very simple, very relatable, very practical way. I wish someone had given me this book when I was 24 years old and completely confused about what to do about my career. What direction should I take in my life? I have written this book for that same 24 year old Ankur. It is written for you."

"So this 20-month plan will probably be completed in just 15 months. It will be missed. If you are getting any surplus from anywhere, you will start adding that also towards the principal. But let's assume this will be a 20-month journey. At this point you should start investing."

"My suggestion would be that out of the ₹00 you invest, you should invest 10%, sorry 10,000 means 50%, in NFTF 50 which is a safe large cap mutual fund. You invest ₹5,000 in flexi cap or mid cap and then ₹5,000 in small cap."

"And remind yourself that within two years a very new life is about to begin. And it is your full responsibility to give that life to yourself and your family. Ok? Of course sir, to be honest sir, I used to watch your videos for a long time. And ever since you started Money Matters, I felt like I was the only one in this sense who was stuck in this situation. Seeing others on your channels gave me some encouragement. The way you guided them, I also felt very confident. And I thought that by talking to you, maybe I will get to learn something good about financial situation as a guardian or as a younger or elder brother. And to be honest sir, I got to learn a lot from you through this episode. How should you handle your financial situation? How to certify things and how to make things easier in life. So thank you very much for that sir. Thank you friend. Thank you. Thank you for being so graceful. I know that with all these things it will not be easy to show our names and faces publicly. But trust me, through your story many people with similar stories like yours will get a lot of encouragement. So thank you so much for that. Thank you. Thank you. All the best to you. Take care. Bye bye. Thank you. Bye bye. My fourth book on career is written in a very simple, very relatable, very practical way. I wish someone had given me this book when I was 24 years old and completely confused about what to do about my career. What direction should I take in my life? I have written this book for that same 24 year old Ankur. It is written for you."

"So the approach we will adopt should be that you will first repay the loans which are most likely to be repaid and with the money saved from them, you will try to repay the biggest loans. Which are the bigger ones? Not those whose amount is huge but those who have a lot of time left because if the interest of those who have a lot of time left is saved then our loans will reduce quickly. That is the approach we are going to follow."

"My suggestion would be that out of the ₹00 you invest, you should invest 10%, sorry 10,000 means 50%, in NFTF 50 which is a safe large cap mutual fund. You invest ₹5,000 in flexi cap or mid cap and then ₹5,000 in small cap."

"And remind yourself that within two years a very new life is about to begin. And it is your full responsibility to give that life to yourself and your family. Ok? Of course sir, to be honest sir, I used to watch your videos for a long time. And ever since you started Money Matters, I felt like I was the only one in this sense who was stuck in this situation. Seeing others on your channels gave me some encouragement. The way you guided them, I also felt very confident. And I thought that by talking to you, maybe I will get to learn something good about financial situation as a guardian or as a younger or elder brother. And to be honest sir, I got to learn a lot from you through this episode. How should you handle your financial situation? How to certify things and how to make things easier in life. So thank you very much for that sir. Thank you friend. Thank you. Thank you for being so graceful. I know that with all these things it will not be easy to show our names and faces publicly. But trust me, through your story many people with similar stories like yours will get a lot of encouragement. So thank you so much for that. Thank you. Thank you. All the best to you. Take care. Bye bye. Thank you. Bye bye. My fourth book on career is written in a very simple, very relatable, very practical way. I wish someone had given me this book when I was 24 years old and completely confused about what to do about my career. What direction should I take in my life? I have written this book for that same 24 year old Ankur. It is written for you."

"So this 20-month plan will probably be completed in just 15 months. It will be missed. If you are getting any surplus from anywhere, you will start adding that also towards the principal. But let's assume this will be a 20-month journey. At this point you should start investing."

"After paying this EMI if you still have an expense of ₹10 which should not be the case because the child must have grown up and expenses must also be coming, assuming this expense of ₹10 you will have ₹27500 and my opinion would be that at this point you keep ₹7500 separately, then increase your monthly expense by ₹100 to ₹17500, do whatever needs to be done, wherever needed and start investing ₹00 from this sure sir every month and at this point your age would have been 35 years so you should be investing according to your age and your income right now we have not considered any income growth, within two years that income growth will also come, some company bonus will also come. There will be thousands of such things. But all of that is surplus money which you should not be using for anything except paying the loan. So this 20-month plan will probably be completed in just 15 months. It will be missed. If you are getting any surplus from anywhere, you will start adding that also towards the principal. But let's assume this will be a 20-month journey. At this point you should start investing."