1) Review the Last 10 Years of life 2) No excuse for savings and it is a must now 3) Hire a financial planner 4) Human Life Value (HLV) Term Insurance 5) Regularly visit Emergency Funds situation 6) Build the Retirement Corpus 7) Increase your earnings 8) Second Income earnings 9) Children's Education corpus 10) Buy a Home instead of renting
1 Review of Last 10Yeare of life. 2 Savings is a must now. 3 Appoint a financial planner 4 Insurence. 5 Emergency Funds 6 Retirement Corpus. 7 Increase your income. 8 Second Income 9 Children Education planning. 10 Home buying.
Very Nice personal Finance video. One more very important point, focus on paying off debts as early as possible. I am 36, and became debt free last month only
Don't be deceived by a retirement age of 60 years. In the private sector it is 50 years or less. IT employees should think about retirement by 45. Beyond 45 years bonus. Plan accordingly.
@@sunmoon144 you can't retire if you think after 40 years. Someone need to plan ahead and execute it. It requires dedication and effort and planning. When someone between 30-35 years can plan. Learn upskill(Own domain and finance domain ) and improve your income, buy insurance, gold, invest in MF, Stocks and buy land. Spend 30-40% your income. Keep expenditure in check. There is no free lunch which phase of life you want to enjoy and priorities there is no free lunch.
Great suggestions. Couple of things to add : i) Health Insurance - This is really important, as a health emergency can really dent into your savings. Don't rely on corporate health insurance (only) - get a personal health insurance for yourself and family (including parents if possible) ii) Prepare a will - Just to make sure your dependents do not have to run around and get hassled in case of your untimely demise. In case of conflicts within the family, that is even more important.
Health insurance is a very big gamble in India. You may end up paying lakhs of rupees just to find out that insurer isn't ready to pay at the time of crisis.
Thank you for the video sir. Imo the first point of reviewing your last 10 years is significant. When I happened to document my last 10 years I came to the conclusion that sometimes we are a bit hard on ourselves. We think lesser of ourselves than we actually are. It also helped me put lots of things into perspective.
Our economy struggling with uncertainties, housing issues, foreclosures, global fluctuations, and pandemic aftermath, causing instability. Rising inflation, sluggish growth, and trade disruptions need urgent attention from all sectors to restore stability and stimulate growth.
Things are strange right now. The US dollar is becoming less valuable because of inflation, and other powerful nations waking up to trade in their own currencies. Good thing is, a lot of people still turn to the Dollar because of the safety is somehow assures. I'm worried about my retirement savings of about $420,000 losing value because of these factors and more. Where else can we keep our money?
Well, I suggest you make a diversification plan because it's been harder to build a good portfolio that stays afloat since COVID. Personally, I gained knowledge from a brokerage Adviser whom I work with, and I've actually made over $350K with their help since February. Very effective defensive strategies are used to protect my portfolio and make profits despite the ups and downs.
My financial advisor is ' Annette Christine Conte '. I found her on an interview where she was featured Afterwards I reached out to her on her webpage. she has since then provided me with entry and exit points in securities I focus on.
I just looked her up on the internet and found her webpage with her credentials. I wrote her outlining my financial objectives and planned a call with her.
it is easy to get motivation after watching this video but practically it is very difficult because practical life is totally different ، the word increasing is easy but income increasing very very very difficult those who are in job knows it better۔
Sir your all explination is valid when we already good salary or lumpdum capital. Health insurance, term insurance, mf, sip, savings, gold, home, all these works when we have good salary which is 2lakh
This is an excuse to save money and reduce your unnessarerly spending. According to science and statistics Healthy Life Expectancy (HALE): On average, people globally can expect to live around 63-67 years in good health (2023 data). So we don't have to worry about our health just try to avoid smoking and alcohol and very stress work. If you spend all of your salary now for your health will your health stay fine after 80? Are you sure that you won't get Any major diseases? That's why health insurance are for. Save money is most important, a health insurance can help you also maintain a normal life style.
I want to know more about saving and retirement particularly some Countries like my South Sudan where people can't get retirement money and you may be staying for a year without salaries, in this situation I need advice on how I shall adjust my financial plans to save me in my future time 🙏
Nothing glamourous but truth and facts stated very well. Start investing when you are in your early 30s , even if it is 5k per month . Invest in VPF even if it is 2-3 k more as you cannot withdraw it and later the power of compounding will increase your fund multifold
To anyone what it's worth, I started a 3k SIP in late 2017, Portfolio went up to today it's 250% on most of my funds from then. What I wish I'd have done? I wish I had started as minimal as 500 a month back in 2012 when I started on my job. Would have been absolutely financially independent today if I had increased it by 5k every year. Time flies insanely fast when you start working. I'm very well off today financially, but would have been even better.
Will it be better to close the home loan early by depositing additional money in home loan account or invest this extra money in any other options such as MF, NPS, EPF etc?
Please i have some worries i which to get an answer So i wasted 10years of my life ,went to professional school university till year 2 but my greatest mistake i did was to get discourage because of a subject .i decided to look for a job which was not satisfactory i even decided to do a business which i fail .now am 34 i want to start at fresh with university and have a side business....my question is can i still make it in life or its gonna be too late Thanks please i need answers cause am scared and i know fear is a big obstacle
10 point finacial advices: 1. see my video link in the description 2. See my another video 3. See my another video ... 10. See my another video😂😂😂 Anyway, thanks for all the good advices and the video links👍️
My suggestion is don’t pay a single cent to these financial planners. Rather learn and invest. Investing is not rocket science. Learn yourself and invest 😂😂
भाई सही बोला यूट्यूबकी वजह से इनका धंधा slow हो गया है इसी लिए इनकीसुलगी पड़ी है, फाइनेंसियलप्लानर ले लो , जो ज्ञान इन भाई ने दिया है वो before ३० ही मैंने कर लिया था .
Try to learn from your own experience...you should have the opportunity to invest according to your need....you know your necessity so you can take risk or any steps with your money....I don't need anyone's interception on my wealth .....
Great video! I'm so happy I made the best decisions by having a good investment, Recently I was able to acquire my third house even at my age and I believe if things keep going well I'll retire early.
That's nice but how did you manage to achieve all that with the current economy, I'm desperately looking for ways to clear my debts and also achieve my goals.
You really have a great content. But, when I approached your team through whatapp I do not think they are helpful. Straight away they mentioned about investing of 50 k monthly SIP Or lump sum , without understanding your current circumstances.
Everybody speaks on building second income. But how ? Where to get the guidance. I am myself struggling with career for last 3 yrs. Don't know whom to approach. More than financial guidance I think in this age we need more career guidance. People say work after office, but we hardly get time post office. Also these ages we are also asked to work on weekends. Creating a second income is the must. As we really lack on that.
I'm planning to take help from financial advisors but many of my friends are saying that most FPs will suggest investment options to earn more commissions & mislead, I'm confused 🤔, someone pls suggest a reliable FP.
You are correct, i am learning financial planning myself and starting only flat fee financial planning next year. I am myself very secure so its only purpose is be a financial coach No selling of mfs.thats conflict of interest.
Sir nicely earning at the age of 38 getting 25k MNC wife getting 12k in private school A police constable is 50k salary govt teacher getting 48k in our rajasthan what is nicely
My Retirement Plan is as follows. If your monthly expenses is 50000, then the yearly expenses would be 600000. So plan in such a way that you get 1800000 per year. 600000 for your expenses and 1200000 savings, which will take care of inflation. Now even if you invest in bank FDs which gives 6 percent per annum, you will require 3.6 crores as retirement fund. Keep another 40 lakhs as cushioning. So you would require 4 crores, which is a Fantastic amount. If your monthly expenses are 25000 you require 2 crores. If your monthly expenses are 40000, you would require around 2.5 to 3.0 crores. So on and so forth. It is very simple, don't break your head a lot. Thanks for 1000 likes.😂😂❤❤
Its too late for my husband. He wasted his money on credit card, car loan bike loan, ..personal loan... He is a software engineer engineer with no house, no enough savings for kids only depending on life insurance 😅😂😂😂
Hello there. I went through your video. Infact many of these points lucky I have implied in life with the help of family. The biggest challenge what I am facing here is, that I am a drop out from pre-college, did a few jobs for about 10 yrs. From last 3 n half years I am into stock market investment , a little bit of trading , Gold investments and a pinch into crypto(because of lack of clarity) amd some property rental incomes. Being uneducated is such a huge barrier for me. 😢. Its not something I regret. But yeah making that second income(one of the points which you mentioned) looks entirely blank to me. Hope u can give some sort of advice on this issue.
What if anybody didn't achieve anything till 34 and want to stars by 35 ? Please help me anybody😢 Give me a standard suggestion 🙏 Its a do or die situation😢
Don't feel do or die still you have more than 30 years of useful life, there are many people who start their life late and become successful. Have a possitive attitude towards life, Don't waste time from now on. Do yoga, meditation, exercise, prayer regularly, these will make you more energetic, focused, concentrated , so that you will be mindful, stay in present, when you are mindful you will always do correct decisions and less mistakes in present, your future will be wonderful. Also when you keep your health in good condition you can work in your old age also beyond 60 years. Don't waste time on useless things like social media,gossiping, bad company.wish you all the best.
But sir wat if the person struggled all the way and got married at 34 Due to COVID and other challenges if the person has lost job Struggled all the way from the debt How these kind of people can plan Most of the people who are earning low salary , lost job, married at 35 and no future opportunities
1) Review the Last 10 Years of life
2) No excuse for savings and it is a must now
3) Hire a financial planner
4) Human Life Value (HLV) Term Insurance
5) Regularly visit Emergency Funds situation
6) Build the Retirement Corpus
7) Increase your earnings
8) Second Income earnings
9) Children's Education corpus
10) Buy a Home instead of renting
Thank u
Is the 10th one correct?
2bhk home costs nothing less than 1.8 to 2 crore in good suburbs of Mumbai ....buying a house is a big challenge for a middle class family
Thanks
@@arvindahuja1996 Same in bengaluru, its costs not less than a crore. Its a biggest challenge for middle class.
Iss age achhe karm krne pr bhi focus krna mt bhoolna, assets wagaira sb yahin reh jayga, only achhe karm hi kaam aaynge ☝️
You made understood as an elder brother of family who think good of his younger brother thank you sir❤
It's a must listen advice for all who are 35-45.
1 Review of Last 10Yeare of life.
2 Savings is a must now.
3 Appoint a financial planner
4 Insurence.
5 Emergency Funds
6 Retirement Corpus.
7 Increase your income.
8 Second Income
9 Children Education planning.
10 Home buying.
Thank you!
Add time stamps for each point
Thank you ❤
Ap lw😮😊[!😮🎉1sa11?!!~•`1°11○!!+×2-..@@koustubhpatil8082
Very Nice personal Finance video. One more very important point, focus on paying off debts as early as possible. I am 36, and became debt free last month only
God bless!
Trying hard 4 it
Don't be deceived by a retirement age of 60 years. In the private sector it is 50 years or less. IT employees should think about retirement by 45. Beyond 45 years bonus. Plan accordingly.
Well said
Right
💯 agree.. inflation and high taxes add to the challenge
By 45 we wont have enough ctc bro. How can we retire so early?
@@sunmoon144 you can't retire if you think after 40 years. Someone need to plan ahead and execute it. It requires dedication and effort and planning. When someone between 30-35 years can plan. Learn upskill(Own domain and finance domain ) and improve your income, buy insurance, gold, invest in MF, Stocks and buy land. Spend 30-40% your income. Keep expenditure in check. There is no free lunch which phase of life you want to enjoy and priorities there is no free lunch.
Great suggestions. Couple of things to add :
i) Health Insurance - This is really important, as a health emergency can really dent into your savings. Don't rely on corporate health insurance (only) - get a personal health insurance for yourself and family (including parents if possible)
ii) Prepare a will - Just to make sure your dependents do not have to run around and get hassled in case of your untimely demise. In case of conflicts within the family, that is even more important.
Great points. Both of those.
Health insurance is a very big gamble in India. You may end up paying lakhs of rupees just to find out that insurer isn't ready to pay at the time of crisis.
😂even in kenya we have the same issue. ❤@Brajgamer
Thank you for the video sir. Imo the first point of reviewing your last 10 years is significant. When I happened to document my last 10 years I came to the conclusion that sometimes we are a bit hard on ourselves. We think lesser of ourselves than we actually are. It also helped me put lots of things into perspective.
ಒಳ್ಳೆಯ ಮಾಹಿತಿ ಹಂಚಿಕೊಂಡಿದ್ದಕ್ಕೆ ಧನ್ಯವಾದಗಳು ಸರ್
Thank you . Dhanyavadagalu sir.. kasthuri kannada
Our economy struggling with uncertainties, housing issues, foreclosures, global fluctuations, and pandemic aftermath, causing instability. Rising inflation, sluggish growth, and trade disruptions need urgent attention from all sectors to restore stability and stimulate growth.
Things are strange right now. The US dollar is becoming less valuable because of inflation, and other powerful nations waking up to trade in their own currencies. Good thing is, a lot of people still turn to the Dollar because of the safety is somehow assures. I'm worried about my retirement savings of about $420,000 losing value because of these factors and more. Where else can we keep our money?
Well, I suggest you make a diversification plan because it's been harder to build a good portfolio that stays afloat since COVID. Personally, I gained knowledge from a brokerage Adviser whom I work with, and I've actually made over $350K with their help since February. Very effective defensive strategies are used to protect my portfolio and make profits despite the ups and downs.
I find this intriguing. Could you please provide me with the means to get in touch with your Adviser? I am concerned about my dwindling portfolio.
My financial advisor is ' Annette Christine Conte '. I found her on an interview where she was featured Afterwards I reached out to her on her webpage. she has since then provided me with entry and exit points in securities I focus on.
I just looked her up on the internet and found her webpage with her credentials. I wrote her outlining my financial objectives and planned a call with her.
it is easy to get motivation after watching this video but practically it is very difficult because practical life is totally different ، the word increasing is easy but income increasing very very very difficult those who are in job knows it better۔
For a common person. This looks very interesting but focus must be on priority
Thank you so much for this. This has really shaped my mind in 25 minutes. Thank you once again
This video is highly relatable to my current life & thank you for practical advise 👍
🕉️🙏 Gurujii; aapke charnon ko kooti kooti pranaam.
Guruji mere charno me aapka koti koti pranam 🙏
Incredible Inputs on all points
Love from sri lanka🇱🇰. Great Advice. I got more ❤
First time watched the who video of the youtuber whom seeing for he first time online. I have subscribed it thanks for the information
Thanks for valuable suggestions that definitely grow up our life..
Sir your all explination is valid when we already good salary or lumpdum capital. Health insurance, term insurance, mf, sip, savings, gold, home, all these works when we have good salary which is 2lakh
Alpha rule is reduce outflow increase inflow
Sigma rule is stop outflow inrease inflow and stay invested
I think the number one topic should be "your health". Rest of the points should be followed after that.
That's for losers
@@tiscachip only who doesn't know the importance of a healthy body
This is an excuse to save money and reduce your unnessarerly spending. According to science and statistics Healthy Life Expectancy (HALE):
On average, people globally can expect to live around 63-67 years in good health (2023 data). So we don't have to worry about our health just try to avoid smoking and alcohol and very stress work. If you spend all of your salary now for your health will your health stay fine after 80? Are you sure that you won't get Any major diseases? That's why health insurance are for. Save money is most important, a health insurance can help you also maintain a normal life style.
I learnt so much from this informative video! 🙏.
Is there a video on how to rebuild or restart your financial life after a sudden downfall at age 45?
Will do a video on this subject
Sometime circumstances did not allow you to what you want to do.
Reviewing the past which leads to success in next 10 years.
I want to know more about saving and retirement particularly some Countries like my South Sudan where people can't get retirement money and you may be staying for a year without salaries, in this situation I need advice on how I shall adjust my financial plans to save me in my future time 🙏
Nothing glamourous but truth and facts stated very well. Start investing when you are in your early 30s , even if it is 5k per month . Invest in VPF even if it is 2-3 k more as you cannot withdraw it and later the power of compounding will increase your fund multifold
very informative thank you.
Video starts from 01:50
i dont agree on point number 10) Buy a Home instead of renting. Buying a house is a loan trap.
Good video.. 🙏🙏🥰🥰
Very useful, thanks
I felt it like your ad
Thank you Sir !
Good advice sir
Very informative advise and very useful. From personal experience, all points are important and very practical for long-term sustainability.
To anyone what it's worth, I started a 3k SIP in late 2017, Portfolio went up to today it's 250% on most of my funds from then.
What I wish I'd have done? I wish I had started as minimal as 500 a month back in 2012 when I started on my job. Would have been absolutely financially independent today if I had increased it by 5k every year.
Time flies insanely fast when you start working.
I'm very well off today financially, but would have been even better.
Insightful session
Saving is must
Sir, this is good video, I am in confusion and trouble, my age is 39 and need your desperate help on how to plan next years.
Same expecting
Will it be better to close the home loan early by depositing additional money in home loan account or invest this extra money in any other options such as MF, NPS, EPF etc?
Invest in mf
Great video it's eye opener video
Thank you so much Sir.💕
Thanks a lot Dr Bhat sir.....🙏
Thanks sir. ❤
Please i have some worries i which to get an answer
So i wasted 10years of my life ,went to professional school university till year 2 but my greatest mistake i did was to get discourage because of a subject .i decided to look for a job which was not satisfactory i even decided to do a business which i fail .now am 34 i want to start at fresh with university and have a side business....my question is can i still make it in life or its gonna be too late
Thanks please i need answers cause am scared and i know fear is a big obstacle
Tough bro
10 point finacial advices:
1. see my video link in the description
2. See my another video
3. See my another video
...
10. See my another video😂😂😂
Anyway, thanks for all the good advices and the video links👍️
Good advice
thank you sir
NRI money clinic got me 😅😅😅
My suggestion is don’t pay a single cent to these financial planners. Rather learn and invest. Investing is not rocket science. Learn yourself and invest 😂😂
You said it right.
Any sources to learn?
Haha. Thats the problem. Not everyone has the time and talent to learn what needs to be learned
भाई सही बोला यूट्यूबकी वजह से इनका धंधा slow हो गया है इसी लिए इनकीसुलगी पड़ी है, फाइनेंसियलप्लानर ले लो , जो ज्ञान इन भाई ने दिया है वो before ३० ही मैंने कर लिया था .
Try to learn from your own experience...you should have the opportunity to invest according to your need....you know your necessity so you can take risk or any steps with your money....I don't need anyone's interception on my wealth .....
Thank you
What a clear and concise video with no beating around the bush. Every facet of a guy in early 30s covered. Kudos Sir.
Thanks a lot Dr Bhat for this wonderful message.
How to hire a financial planner ?
Great video! I'm so happy I made the best decisions by having a good investment, Recently I was able to acquire my third house even at my age and I believe if things keep going well I'll retire early.
That's nice but how did you manage to achieve all that with the current economy, I'm desperately looking for ways to clear my debts and also achieve my goals.
You really have a great content. But, when I approached your team through whatapp I do not think they are helpful. Straight away they mentioned about investing of 50 k monthly SIP Or lump sum , without understanding your current circumstances.
They work with certain threshold to make things viable .. they will take views based on your best interest
Damn, you dunce will give me details of how I am to live
Very helpful sir
Am 35 and am going to plan accordingly
Everybody speaks on building second income. But how ? Where to get the guidance. I am myself struggling with career for last 3 yrs. Don't know whom to approach. More than financial guidance I think in this age we need more career guidance. People say work after office, but we hardly get time post office. Also these ages we are also asked to work on weekends. Creating a second income is the must. As we really lack on that.
I think it's having a business besides your job.
I have a option for long turm second option monthly payments
Sir is it good to close home loan if we have the same amount invested ?
One word if a person have common-sense then he will do fine in life and career.
We took already an advisor for 4500, but give no good advise. Just take money and Go.
What an honest advice ..
not trying to sell “stuff” ..
Buy or rent a house is debatable & complicated subject as one important aspect is if u buy apart from rent ur property rates also increases
Equity is the only way to create the exponential wealth....... These financial planners never make anyone rich 😊
Who are the financial advisor
In sake of good future by saving most of us destroys present.
I'm planning to take help from financial advisors but many of my friends are saying that most FPs will suggest investment options to earn more commissions & mislead, I'm confused 🤔, someone pls suggest a reliable FP.
You should try Mr Bhaben ,The art of wealth building.
I really appreciate sir for sharing valuable information. definitely ill be following steps to get better with my finances.
You are correct, i am learning financial planning myself and starting only flat fee financial planning next year. I am myself very secure so its only purpose is be a financial coach
No selling of mfs.thats conflict of interest.
Sir nicely earning at the age of 38 getting 25k MNC wife getting 12k in private school
A police constable is 50k salary govt teacher getting 48k in our rajasthan what is nicely
Nice
My Retirement Plan is as follows.
If your monthly expenses is 50000, then the yearly expenses would be 600000. So plan in such a way that you get 1800000 per year. 600000 for your expenses and 1200000 savings, which will take care of inflation.
Now even if you invest in bank FDs which gives 6 percent per annum, you will require 3.6 crores as retirement fund. Keep another 40 lakhs as cushioning.
So you would require 4 crores, which is a Fantastic amount.
If your monthly expenses are 25000 you require 2 crores.
If your monthly expenses are 40000, you would require around 2.5 to 3.0 crores.
So on and so forth.
It is very simple, don't break your head a lot.
Thanks for 1000 likes.😂😂❤❤
Very nice
@@NRIMoneyClinic Did not expect a reply from you. Thank you Bhat Sir
If some one package is 10 Laks and has 2 crore worth land in this case what do??
@@srinivaspullela1627 you should not look at your package. You need to look at your monthly expenses.
And land cannot be considered
if land making income for u then its worth
Sir Urdu men bat kia krin.pls
My self kanagaraj Chellasamy from tamilnadu working in Qatar. You are made great points for earning as well as savings
Thank you sir giving such important message 🙏
Its too late for my husband. He wasted his money on credit card, car loan bike loan, ..personal loan... He is a software engineer engineer with no house, no enough savings for kids only depending on life insurance 😅😂😂😂
Does this advice in any way exclude woman.
How can you come on internet like ridicule your husband like that
@omololaversatile if to you Pointing someone's mistake mean ridicule then your piece of comment doesn't matter to me anyway.
how much money u are making in a year and what are your investments
What is the purpose of asking this question ? How does it impact you ?
@@NRIMoneyClinic just a curiosity and your advising people so how much you have investment...
Sir,please create a Hindi show.
Yaa plan
Iam 36 now 12 lakhs rupees in Loan😢
Am guessing you want to be the finance planner
Thank you very much Sir.
Hello there. I went through your video. Infact many of these points lucky I have implied in life with the help of family.
The biggest challenge what I am facing here is, that I am a drop out from pre-college, did a few jobs for about 10 yrs. From last 3 n half years I am into stock market investment , a little bit of trading , Gold investments and a pinch into crypto(because of lack of clarity) amd some property rental incomes.
Being uneducated is such a huge barrier for me. 😢. Its not something I regret. But yeah making that second income(one of the points which you mentioned) looks entirely blank to me.
Hope u can give some sort of advice on this issue.
There are videos to guide you on this channel. We will soon release one another video on fixed income . Thank you for suggesting
@@NRIMoneyClinic Alright. Will look forward to it. Ty.
To be precise , your earnings or salary should grow atleast by 3 times. 4 times growth is very much possible.
can we take your service by living in canada?
Yes,, you can
Rule No.1 keep your money near you even if the return is low.
Do NOT invest in real estate India. Very difficult to manage.
What is tha % on amount 18:31 ? That we need to invest /saving of My incomes amount.? Awating your advices pls.
Great to listen you sir we will use this 10 ka dam
What if anybody didn't achieve anything till 34 and want to stars by 35 ? Please help me anybody😢
Give me a standard suggestion 🙏
Its a do or die situation😢
Don't feel do or die still you have more than 30 years of useful life, there are many people who start their life late and become successful. Have a possitive attitude towards life, Don't waste time from now on. Do yoga, meditation, exercise, prayer regularly, these will make you more energetic, focused, concentrated , so that you will be mindful, stay in present, when you are mindful you will always do correct decisions and less mistakes in present, your future will be wonderful. Also when you keep your health in good condition you can work in your old age also beyond 60 years. Don't waste time on useless things like social media,gossiping, bad company.wish you all the best.
@@MadhuHV Thank you so much 🙏
You have given a new ray of hope like a new ray of morning after dark night 🙏🥺
Thank a lot.. God bless you. 🙏
@@smilecable-funny 🙏
Please make detail video on dividend income stocks portfolio of 10 lakhs rupees investment.
I have purchased apartment in 2021 for 42 lacs now its rental is 2.4 lacs per annum through value increases to 72 lacs, so rental yield is 5% or 2-3%
It's 5%
Very very practical and reality guidance. Thanks Sir for helping us
This is a very elaborated way of planning.
Thank you so much sir.
❤ to hear
Dear Sir, Your presentation was excellent. Thank you very much. I am in confuse whether I have to buy a plot or not. My doubt was cleared.
But sir wat if the person struggled all the way and got married at 34
Due to COVID and other challenges if the person has lost job
Struggled all the way from the debt
How these kind of people can plan
Most of the people who are earning low salary , lost job, married at 35 and no future opportunities