DOCTOR STRUGGLING With Rs. 20 LAKH In DELHI| Fix Your Finance Ep. 68
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- Опубліковано 4 тра 2024
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Hello guys, welcome to another episode of Fix Your Finance! In today's episode, we meet Hitesh, a doctor based out of Delhi. Hitesh currently works as a Medical Compliance Specialist. He has a family of four and is the sole bread earner of his family.
In this video we discuss his income, expenses, loans and liabilities and his investments. We also discuss the various expenses involved with raising specially abled kids and how to plan your finances to cover their medical expense. We also discuss the various government schemes that can help with this.
and much more!
Enjoy :)
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Disclaimer: Neither the guest nor I am a SEBI registered investment advisor. Information shared is only for educational purposes and not investment advice.
Music licensed by Epidemic Music
Connect with Hitesh- www.linkedin.com/in/drhs
Thank you @Anshuman for this. This is the best video which could happen with me and our family :)❤
@@EternalSoulQuest Sir please buy a term plan insurance for your kids .
@@EternalSoulQuestas a fellow krishna sevak, pls show us a way to assist you 🙏
No doubt, this is the best video in the series so far. This is the real Fix Your Finance, I would say. Great job Anshuman!
❤️❤️❤️❤️
@@anshumanfinance dude this is your best work, better focus on such content
Absolutely one of the best till now
Agree! 👍
Real insights
Great episode. Honestly felt that the real purpose of this series was achieved today. Good job Anshuman.
I guess this was the best episode where the person got the needed help.
This is my first comment on any of your videos.
And this was the best video.
This man really needed this video to manage his expenses and the govt scheme is just so helpfull you could tell by his expression.
All the best to him and god bless his daughters❤
❤❤ God bless Hitesh and his family.
Thank you Anshuman & team for making it to our house in Delhi. With all the advises and tips which Anshuman helped us with is and will be commendable. Helping us #Fixyourfinance from Anshuman was very helpful and was a guidelight to us. ❤🎉 From - Dr. Hitesh Sharma
Lots of love ❤️
Hi sir, under section 44 ADA for professionals you being a doctor are eligible to pay income tax on only 50% of your total gross income..kindly check 16F form provided by your hospital..it might categorically state you are being provided with professional fees..almost all the corporate hospitals hire doctors on professional fees and not salary..By that scenario, if your total gross earning comes out to be suppose 20 lpa then you will have to pay tax on only 10 lacs and even in those 10 lacs u can decrease your taxable income by investing in ppf, health insurance for self, for parents and of course as anshuman said using 80DD..by using all these sections..u might fall in the non taxable bracket!!
I want to bow down to this gentleman and his wife as I feel they are Gods , taking care of one special child is great and here they are looking after two children and purely living for their them without expectation like we have
They are living Gods on the earth
Afterall they are fully responsible for their kids needing special needs
Please take term insurance, it's great that you are spiritual. That doesn't mean you are protected from death in any way. Also you are diabetic and have blood pressure.
Life is bich... My mom was so spiritual but she got cancer suddenly and left us at 55 approx
This man has a lot on his plate. Huge respect for him.
Good man very responsible person, very good session, actual beneficial things suggested like sarmaya and 80DD he will save 10k per month, few things i would have suggested -
1. Avoid 80k travel per year
2. Try negotiating salary by 10% more due to family needs
3. Use Benifit of 80DD and sarmaya scheme
4. Close all loan asap
5. Close LIC scheme
6. Move LIC maturity 2 Lakh fund to suggested mutual funds
7. Insert monthly saving and quarterly bonus to suggested mutual funds
Good luck
Thanks Anshuman for letting us know about Niramaya scheme , I will also apply for my specially abled brother.
So happy I could help Jeet! ❤️
A guy taking medication for bp and sugar is saying that spirituality will save him from unforeseen consequences and refusing to take a term insurance.
Just goes to show how important financial literacy is in the country.
He's been through alot and may have find solace in Spirituality. Great thing by Anshuman to provide clarity because most people I meet like this don't respond to rational arguments well.
Still better than any Islamic country
Also shows how faith blinds one from thinking logically
Great going anshuman so proud of you.Please tell docsaab dat he can save on taxes on rent also as he paying rent which amounts to around 60000 rs tax deductions per year also. One thing extra he can do is online doctor consultations for extra income.
Very good episode. I hope he & his family stay healthy. Radhe Radhe 🕉️🙏🏻
Also correctly said most people might not know about these good scheme by government. So good initiative 🙏🏻
Radhe Radhe❤
the 2 kids are angles, God bless them with healthy and wealthy life for these kids..
Good work Anshuman for helping him manage his finances… he badly needed your advice… may God shower his blessings on his daughters.
Financial Literacy is a MUST! God bless you Anshuman for doing what you are doing for so many families out there 😇
Kudos Anshuman for providing good info to parents of kids with special needs ...best video of the series for me...thank you
This guy here has fixed a man, fixed a family……..I love this guy!!!!!
Wow... Amazing video. This video is truly help people. Thank you for sharing information about Niramaya Scheme & section 80 DD.
Best video till date. His finances actually needed fixing and you did a great job in calmly explaining everything to him. Hope he follows up on this.
I feel this is the best episode of "fix your finance" because of the complexity of the problem he tried to solve. Good work Anshuman.
Absolutely LOOVED this episode. Great content and an amazing insight into families with special needs. Never knew we had such provisions and government schemes. Much needed information. Hats off to the entire team.
Glad that I am subscribed to this channel, this is such an important video. Kudos for doing your homework Anshuman !!
WOW! honestly one of the best videos on your channel. Got to learn a lot from this video. Thank you so much for bringing this to us.
the best episode I have ever seen ...... All in one .... Sprituality .... Harships .... Being+ve ...... Finance .... Goals ....... Everything was included in this .... That's called a wholesome .... More power to u sir ... Hope ur daughters become healthy
Thank you Anshuman for helping this family out. You are one gem of a guy. And more power to this family! May God bless them.
This episode really stood up to the title "fix your finance".
Great episode Anshuman. Respect for your increased 100x.❤
Your advice was on point
absolutely phenomenal and such a beautiful family u have! I pray for your family and their future.
I love this man. I wish i could hug him, so respectful, so strong, so responsible ❤
Great Work....Felt that purpose of your channel got fulfilled in this video. Kudos to the parents for sharing their story.
Thank you Anshuman for bringing this episode to us. Being a special educator myself, it was great to see parents' side of the story. I wish good luck to Hitesh ji and their two wonderful kids❤
Great job !! Best episode of fix your finance series
Your best episode till now....he is such a honest person
As a medical professional when he had a first kid with Downs syndrome why did he chose to have a second child? How did the medical professionals not advise him against it. Even before kids are. Born these tests are mandatory in today's era. It's painful to see kids suffer parents wrong choices. No point complaining insurance companies.
They are spiritual, maybe that's why
Kids bring a purpose in life.. Logically I agree he should have avoided bringing another kid in this world. But I guess in the sense of spirituality, it's his way of keeping humanity alive. In my opinion he is a real hero, Else logical us would have died from thinking about such responsibility itself
@@Gunjan7187 are you out of your mind. Who told you that spirituality is about making children . come out of this fake interpretation. Spirituality is about knowing the true self, it's about one's prime relation with oneself. It's not about managing world's affairs like creating children . these things are being spread in the name of spirituality
Hi, I am Dr. Hitesh here. Yes you were right, we shouldn't have brought the 2nd child in this world despite of the fact when we knew the genetic testing was POS for us. But what we also knew was, WE DON'T ABORT CHILDREN Because of anatomical anomalies as children are born out of sheer LOVE :). Also god will only grant such children to those, who really deserve to take care of them. :)
Very Nice Video! Finally a person who really needed help unlike the ultra rich individuals. Please do more videos like these ❤
What an amazing video. This impacts so many people. You turned the finances of this family.
You did a great job bro, this video is really valuable for special kids parents
Wow... Great episode. Bahut clarity mili bhai
You paved the way for the future of those kids. Well done. You should be proud of this one.
Kudos to Anshuman, great job being done by you, please also focus on low income earners like gig workers, security guards, delivery boys, taxi drivers etc....coupled with knowledge of all social security schemes for them....they need this knowledge the most.....in the most simplest language ....thanks✌️👍
Great Work! Absolutely loved this one. You're did great job here Anshuman. Radhe Radhe ❤
This is one of the best episodes! Truly creating an impact with your work. All the best.
Best Episode so far. Thanks Anshuman for bringing such stories on the internet.
He might not be rich financially but he is very rich by his heart. Kudos to him for raising 2 specially availed child.
Thank you Bro :) - Dr. Hitesh❤
if he is an MBBS, he is severely underpaid. He should look for better opportunities to start with. You should have focused on this aspect as well.
What better opportunities are there for a MBBS doctor, medical officer jobs pay around 1lakhs only
I know MBBS who work is emergency wards in private hospitals who make a lot more.
1L per month is ok for a MBBS who is starting their career. But he must have done his degree 10-15 years ago
Trust me .....an mbbs guy gets 45k for 5hrs job and 8hrs 60 to 75 k
@@SANKAR93ZI know mbbs with 2 yrs experience earning more than md doctors
unhone BAMS kia ha naki MBBS, trust me he's getting paid well
Very customized solution.. Loved this episode
The best fix your finance episode till now,really helped out a person in need of the help.
One of the best episode of all time. Kudos Anshuman for bringing this.
Love the kind of work you are doing. Hoping this episode reaches to the right audience.
Great episode Anshuman. The quality of the episodes is increasing episode by episode. Keep helping and educating people. Would love to feature in one of your episodes in future when i am ready and confident😅😅
He is doctor. Has bp n sugar. But still says being spiritual, he does not need term insurance. Shocking
I wish hitesh ji you and & your family stay healthy. Radhe Radhe.
Good job Anshuman. Best video ever. Your inputs and research to help someone who is in need and unaware of benefits are outstanding. Keep this going. Hats of you man.
proud of you anshuman bro, keep spreading your financial knowledge😊
Very informative video 👍
Such a wholesome episode, absolutely loved your research on govt schemes and tax benefits. Minor feedback - know a friend whose son has partial disability and he is worried about his future basically future of the son after him. I guess this would be a common anxiety with parents so it would be great idea on how to build a large corpus for the same. Again kudos to your team
Thanks for the suggestion Mudit!
This is a very good episode. You really helped one entire family and lot other family like this
even i have similar issue ask him to go for
aditya birla insuarance they cover inborn diseases as well
I am following your series of fix your finance from a long time. You have shared many different policies and ideas everytime. You are truely working on solving the financial problems for many peoples. Kudos to you!!!
I also have a special kid. And even after i am USD multi millionaire and probably will earn close to 1.5cr per year if i take transfer on the same level to India. Still i cant think of coming back to india. FIRE for us unfortunate people is a joke.
Great job anshman, thanks for letting all know about the niramaya scheme. God bless you 🙏
Thank you so much 🙏🏻🙏🏻🙏🏻
Wonderful Job
Also I liked it bro
I have been following your fix your finance series since it started, and I feel this is one of the best videos which has come out where a person in need has actually got the very needful information...so happy and proud for this 🌼
One of the best videos so far. KEEP UP the brilliant work you have been doing 🎉
The best episode of Fix Your Finance, EVER, where the person got the much needed help.
You really fixed his finances.
He fixed nothing, he is just an overrated insurance salesman, the ground reality is that insurance companies give nothing, govt schemes are a scam and income tax breaks wont be passed. Iss desh mein sirf baatein chalti hai, kiya kuch nahi jata
Spiritual ke naam pe bevkoof nahi hona chaiye....
Awesome episode 👍. Anshuman , great job ❤
Awesome, Love This Series
Thanks Anshuman for this episode… it’s a one of the best🙏🏻
Bhai your skill should be used this way, great episode bro
Anshuman bhai. Dil Jeet liya aapne.
Fantastic Anshuman, you are really doing a good job 👍
Excellent video, Anshuman. Look at the MAN who has a smile on his face even after handling such pressure situation.
I hope and I wish, he gets whatever he is looking for!
Anshuman bhai ... this was the best of the videos as it deals with special aspects
Bro again I'm telling you you are doing a great great job 😊
Plss keep doing it
Always with you ❤
thoughtful consideration - create a "Family Trust" must for parents of special child
Krishna ji sab theek kar denge ♥️🙏
After so long a very good fix your finance episode. 😊 keep it up.
No term insurance because of spirituality??
Everyone please remember this as a reason to avoid spirituality.
The best one so far, good information, brother.
Whoa, This Episode is Helpful for most needful People. RESPECT BRO 🙏 🫡
Amazing video ❤
Thanks Anshuman for the help ❤. Great vedio and god bless him & his family.
You literally were of so much help to him in fixing his finances
consider life insurance premium as the money you are depositing in donation box of temple for safegaurding your family. both fulfill the similar purpose anyways right.
great episode brother, i liked how you made him realize the importance of term insurance
Very nice information i got i never knew thanks
Good work Anshuman.
Thank you Man for helping him, thanks a lot by knowing about the scheme to him
God bless 🙌 this family 👪
First time i have heard insurance and spirituality are related I dont know how?. Looks like they are taught if you pray to god every day and do good things, one will be safe till they reach the adobe of God. In Islam, I have seen there are halal investment brokers who suggest which stocks are halal and which are not. His life has two kids with special needs, he should seriously consider term insurance. God bless his family.
Best video so far...good job
Brilliant One 🙏
Finally Anshuman is able to get a perfect case to help !!
God bless you Anshuman ❤ Keep doing good work.
Wonderful video. You really saved this man. 😍
Wow❤ loved this episode😍
I'm surprised this guy telling Term insurance is gambling 🙄
Moreover the argument that you wake up early and pray so nothing will happen. That's really la la world.
Hats off to this man ❤