I have a suggestion to youth. Bookmark this video and watch it again after 1 year, 2 years, 3 years etc (may be after getting married, after having child, after spending good amount on house purchase, good amount for child ) Every time you may get a fresh perspective. I watched this video 6 months ago for first time. I was not convinced with some contents at that time. Now I get a new perspective and understand more clearly. You are true clarity giver 👌
That is what should be addressed first. If we address the declining moral values in the society, the other probelms arising out of it will get solved automatically.
I gave about 30 k to my GF to buy a two wheeler. After a month I asked her my money back. Eventually she gave but the relationship was about to end. So I thought it's all my hard earned money and took back every thing i have spent on her. Be it on food, shopping and trips. Now I got my money back and she'll not bother me anymore. I have a peaceful life now. Planning to buy health and term insurance for my family.
Dude, it's good that you took back the loan amount. But taking back money spent while dating is so pathetic. You shd have split all expenses right from start instead. Chindigiri mat karo.
They care in their own wisdom. They will help their weakest with that money. Think it over. Life is not visible try understanding it that way. You will remember me then
True .. sometimes parents become the broker and tell to give to the brother or sister ... Saying he or she is struggling no god has given you help him or her ... Very unfair
Correct....its ok to become a villain for relatives and friends who are only there with you for money....because even after borrowing and when u ask for your money ( w/O interest) they will blame you that you are so cheap...
About 40 yrs ago, my father bought a bigger flat so that our then joint-family could have more space and a front-facing home, something he felt that his parents and siblings deserved. He arranged money from relatives and paid them back in a few years' time. One big blunder he made was, paying the money for buying the flat and putting his younger brother's name on it instead of his own, thinking that it was a common family asset and his younger brother was not doing very well. He supported them like a father to stand on their own feet, sometimes even taking loans on behalf of the brothers to help start small businesses. 40 yrs later it was decided that the flat will be sold as each of the brothers had made their lives and their kids were also working now. However, now my father had to share the money received from the sale of the house. My uncles claimed that they paid some unrealistic amounts to my father every month so they too deserved a share in the property. My father lived with his maternal uncle till he completed his education and hence was not the most fav child of my grandparents, and refused to support my father. So in the end, my father just got 40% for a flat that he paid for fully. He struggled through the years to pay off the money he borrowed, sometimes even selling my mom's jewelry. Now he does not want to even look at the faces of his brothers.
@@Dilip1600 Absolutely, now the banks require that anyone who is named as the asset share owner is responsible for the loan payments. This will make sure that the payer remains the owner for a long time.
i remember both couples working with good salary and asking me for a loan without interest to buy a plot while myself being a single income with a balanced spending . after a lot of check facts i rejected the reason being they needed money for taking asset and not a do or die case
I lost my dad when I was 10. It’s been hard for me to grow up alone, but I did, with people like you helping me out with their life experiences and knowledge. Thank you for creating such quality content.
excellent clarity with examples, awesome sir, I am actually the one who started with negative because of this showbaazi, struggled a lot to become positive surplus after 15 years. All this emotional blackmail actually hits u badly in the long run.
Do u believe in god..have u seen him.. why do drop money in boxes.. this world u have humans n needs r n will be forever.. all have it but some do not understand.. every family has a black sheep.. this is my side of the story.. u r master of your fate..complaining won’t take u anywhere.. find a concrete solution..Tc bro
Good !! Video ,I have lost lot of money by lending money 2 my relative ,never lend money to friends or relatives ,instead hear everything what they have to say or cry.
bro jab insan struggle karta hain tab sab criticize karte hain fir insan kamane lagta hain acha toh fir paise mangne ate hain aise me mushkil hota hain humble hona@@doodlemoodle699
Another thing I try to adopt is that if I borrow anything on an urgent basis, I endeavor to return the same with the same urgency once my need is fulfilled.
Just started watching your videos. Its really great and practical. I also think on similar lines of urs and very happy got somebody who is explaining on the same. Thank you
Thank you for making a video on this sensitive topic. This would help people who feel guilty for not lending money to relatives as they forget to take into account the sacrifices they had to make to have some spare money at hand. Thumb's up.
thats true sir ... i have tata nano but my wealth is 1.5 crore and have 50k fix income .. all this happend after reading rich dad poor dad .....and investing and trading in stock market since 2015
The video is an eye opener for many who r basically raja beta of their family. Reading comments r awesome and u got to know stories of others and can relate to yourself. Great 👍 to you sir ji, me n my wife have became your fan.
Some relatives approach for signature of guarantee and the loan will never be repaid.They request you to do one signature simply but nothing else.That is a very big trap.
So true. The bank exists to give out loans, and despite that if they are not giving loan to someone, then it's tells you a lot about the person's credibility and credit score.
Its very true and i faced the same problem. I have been emotionally a victim card of my own relatives. My sacrifices nobody cares. The day i refuse to give money to my relatives i have experienced so much pain and bitterness and now i have cut such people in my life and believe me i have gained so much happiness and enjoying myself.
Sir.....aap ke jaisi hi meri bhi soch hay.....ees liye log aur rishteydaar mujhe pasand nahi karte......Very knowledgeable video....thanks a lot.....for this valuable video....
As a family, we have gone and going through almost all the examples so far. As the youngest, I went through all the persuasion, cajoling, threatening and requesting favors for irresponsible relatives and ended up crying. However, I am laughing 😀now, listening to you. We need to abandon American/western materialism and consumption and get back to living the life of our ancestors with a modern outlook.
@@aarvind3901 Live within your means, don't spend more than you earn in other words. Then we won't need to borrow whether from cards, family or friends and demean ourselves.
Sir, You're right. We are learning a lot from you. We love you. May God bless you. You're a very great man. We love you. Hameed Jilani. Age 84. Lahore, Pakistan. 13.11.2022.
Well people ask money from only those whome they expect money , u can give advice n sgow them your situation they are close family member hope they can understand
I partially agree with you,,, अगर आपको लगता है कि आपका पैसा वापिस आ जायेगा तो जरूर किसी की मदद करनी चाहिए,, वहीं अगर आपको लगता है कि पैसा वापिस नहीं आ सकता और मांगने वाले को Bypass surgery करवानी है तो उसकी मदद करनी चाहिए न कि Medical Insurance का लेक्चर देना चाहिए क्योंकी इंसान की जान की कीमत पैसे से ज्यादा है,,,,,
Just learnt this lesson... I gave money with respect but when asked to return, I was humilated and after a tough words I got the money...😭😭😭😭😭 People love money but don't know how to manage it.
My in laws have raised my brother in law in such a way to ask money from older brother and never return back. The loan is 25 lakhs and counting His wife doesn’t work and then here we fight with each other . Gajab hai duniya. Sir your video curse of good boy was also so apt. We work our ass off and there those people enjoy their life. But some people will never open eyes. Isska zimedar mil n fil
Good idea not give money. They never return. I gave money to One of friend after 3 month never gave back. And he kept pushing on. Finally he gave back after long time .Just to make him understand I asked him money and did the same to him kept pushing around the date . And Finally gave back the money asking one question how does it feel now. Best thing what u can do while saying no is “come I will take u for lunch it’s on me. But I don’t have money to lend u”
This is the first time i m 100% agreeing to you as this is so close to my own reality...always expecting in-laws without seeing our sacrifice in life..we did not go on any foreign trip , do not always travel in plane. Take trains to places less then 20 hrs journey but they have not traveled in trains also gone on a foreign trip.. As most of it we are financing ..moral of the story is no one feel the pinch if its not their own hard earned money getting spent even if its their own son's hard earned money..they are ready to splurge..
In my opinion before lending to anyone we should know about the person financial background and paying capacity of the particular individual bcz I believe lending money bridges the gap between the close relatives.
My own brother doing nothing asking money n support from me...he has kids n living his life from my mother pension, to test when I said divide the property he strictly refused...how clever 😮 now we are not in good terms
Bhorandapan is show-off, if I understood the contexy correctly. You are 100% right. People live lavishly and then borrow money from someone who has earned/invested by sacrificing pleasures in his life. If he has guts to say no, these people have audacity to criticise him for not entertaining them.
Sir you are actually a Gem 💎
Thanks
मेरे पास....आपके लिए words नहीं है ....ecosychosociologist...great economist sociologist psychologist
@@hulkhogan1630 support good content dont give useless coments
@@ClarityForYouthpls highlight on the topic of lending money on interest to relatives who are in big businesses like construction
@@ClarityForYouth sir mere paise barbad ho gaye mera relative nahi de raha hai to ab mai kya karo ? paise mango ya fir bhul jawo ?
I have a suggestion to youth.
Bookmark this video and watch it again after 1 year, 2 years, 3 years etc (may be after getting married, after having child, after spending good amount on house purchase, good amount for child ) Every time you may get a fresh perspective.
I watched this video 6 months ago for first time. I was not convinced with some contents at that time. Now I get a new perspective and understand more clearly.
You are true clarity giver 👌
People borrow your money with a smile, and return it back with an attitude.
No one tells a better story than someone wanting to borrow money
99% don't return they will fight . and you will loose your money as well as relatives
Over a period of time,it looks as if the giver has borrowed the money and plead for repay.
@@philipdsa7907 True
Right😂
😢 Kyunki paisaa lene k baad, wo Paisa unke baabu Ji kaa ho jaata hai
My simple funda... Naa kisi se lena..naa kisi se dena... My friend and relatives asked me for money.. i denied everytime... I am the king 👑👑👑
kya bol karr mana kia?
@@sabitasahu3030 nahi hai itna paisa mere account me bolke
@@upendra6916 thank you for your suggestion brother.
same here😂
"प्यार गया पैसा गया और गया व्यापार, दर्शन दुर्लभ हो गये जबसे दिया उधार 🙏
My one relative asked me for 25k .. i denied... Later on that evening...his son bought iPhone... Samajh rhe ho daya...
An old maxim "Don't lend money to friends ; you will lose both"
Dammn deep brother true that
@@codingiscreativity yeah bro either or case it's a tough decision and end up losing both
Real video people not returning loan and going abroad for holidays and person that given money has not gone abroad till now
Fr tho
Yes seen such ppl
How true..have seen such people.
Bhai Kasam se mere sath Aisa hua hai...Paisa bhi wapis nahi aa rha😢
Most of the times person who is giving money know that he is being fooled but didn't know how to deal with this and communicate to family.
Problem is not losing money. I am more concerned that our morals values are decreasing day by day 😢
That is what should be addressed first. If we address the declining moral values in the society, the other probelms arising out of it will get solved automatically.
I gave about 30 k to my GF to buy a two wheeler. After a month I asked her my money back. Eventually she gave but the relationship was about to end. So I thought it's all my hard earned money and took back every thing i have spent on her. Be it on food, shopping and trips. Now I got my money back and she'll not bother me anymore. I have a peaceful life now. Planning to buy health and term insurance for my family.
😆😆
Such a creep thinking🤬dnt marry ever
Dude, it's good that you took back the loan amount. But taking back money spent while dating is so pathetic. You shd have split all expenses right from start instead. Chindigiri mat karo.
Don't tell your salary to your friends and relatives 😜
Very correct otherwise they will expect from you too much unexpectedly.
Than they will ask u another time ...
Tell only half of your salary. Tell you are struggling to pay loans on house and car
@@wowser2153 right
Yes we are not supposed to share it ..
These lessons should be taught in schools compulsory
Every words of yours so true...parents doesn't care..they care for their own need
Yes some parents are very selfish.
I mean payback their amount they spend on you at least
Sometimes its need but sometimes its unreasonable
They care in their own wisdom. They will help their
weakest with that money. Think it over. Life is not visible try understanding it that way. You will remember me then
True .. sometimes parents become the broker and tell to give to the brother or sister ... Saying he or she is struggling no god has given you help him or her ... Very unfair
Correct....its ok to become a villain for relatives and friends who are only there with you for money....because even after borrowing and when u ask for your money ( w/O interest) they will blame you that you are so cheap...
About 40 yrs ago, my father bought a bigger flat so that our then joint-family could have more space and a front-facing home, something he felt that his parents and siblings deserved. He arranged money from relatives and paid them back in a few years' time. One big blunder he made was, paying the money for buying the flat and putting his younger brother's name on it instead of his own, thinking that it was a common family asset and his younger brother was not doing very well. He supported them like a father to stand on their own feet, sometimes even taking loans on behalf of the brothers to help start small businesses.
40 yrs later it was decided that the flat will be sold as each of the brothers had made their lives and their kids were also working now. However, now my father had to share the money received from the sale of the house. My uncles claimed that they paid some unrealistic amounts to my father every month so they too deserved a share in the property. My father lived with his maternal uncle till he completed his education and hence was not the most fav child of my grandparents, and refused to support my father. So in the end, my father just got 40% for a flat that he paid for fully. He struggled through the years to pay off the money he borrowed, sometimes even selling my mom's jewelry. Now he does not want to even look at the faces of his brothers.
Very sad. Aapki kahani se seekh mila mujhe. Always keep proof of transaction.
Iam facing similar situation with my real blood relations... Brothers uncle's ...
Where ever I go i heard similar stories
Moral of the lesson - If we are buying something, we should buy it in our own name
@@Dilip1600 Absolutely, now the banks require that anyone who is named as the asset share owner is responsible for the loan payments. This will make sure that the payer remains the owner for a long time.
I don’t have emi’s. Don’t even have a credit card. But i tell everyone I’m in debt😂
😂 Thx ill try
Same thing I told people 😂 taki wo paisa hi na mage
When I will start earning money I will do the same 😅
Shahane 🧠😂
And what if they read your comments😅
i remember both couples working with good salary and asking me for a loan without interest to buy a plot while myself being a single income with a balanced spending . after a lot of check facts i rejected the reason being they needed money for taking asset and not a do or die case
perfect logic
I lost my dad when I was 10. It’s been hard for me to grow up alone, but I did, with people like you helping me out with their life experiences and knowledge. Thank you for creating such quality content.
The worst case is they ask for money for emergency, you lend and you hear they are going on holiday. The worst ghatiya species that can ever exist.
Hidden gem. Lots of respect
excellent clarity with examples, awesome sir, I am actually the one who started with negative because of this showbaazi, struggled a lot to become positive surplus after 15 years. All this emotional blackmail actually hits u badly in the long run.
Same here and i am still in negitive
😂😂
Do u believe in god..have u seen him.. why do drop money in boxes.. this world u have humans n needs r n will be forever.. all have it but some do not understand.. every family has a black sheep.. this is my side of the story.. u r master of your fate..complaining won’t take u anywhere.. find a concrete solution..Tc bro
Relations are almost always dead once money transaction happens and there is no accountability.
Good !! Video ,I have lost lot of money by lending money 2 my relative ,never lend money to friends or relatives ,instead hear everything what they have to say or cry.
I straight away show the middle finger to anyone who asks me for my hard earned money. Good advice brother 💪💪💪💪
bro learn denying humbly, no need to show middle finger 😂
sidhi bat no bakwas
bro jab insan struggle karta hain tab sab criticize karte hain fir insan kamane lagta hain acha toh fir paise mangne ate hain aise me mushkil hota hain humble hona@@doodlemoodle699
Another thing I try to adopt is that if I borrow anything on an urgent basis, I endeavor to return the same with the same urgency once my need is fulfilled.
The problem is others are not doing that. If everyone does it, we would not have to see this video.
Thank you Sir, you hv given me the guts to say no to give.
Each advice you give has more value than gold price sir !
Just started watching your videos. Its really great and practical. I also think on similar lines of urs and very happy got somebody who is explaining on the same. Thank you
Thanks sir! I was about to lend money to my brother. I will still lend but with accountability.
Thank you for making a video on this sensitive topic. This would help people who feel guilty for not lending money to relatives as they forget to take into account the sacrifices they had to make to have some spare money at hand. Thumb's up.
Sir very true topic 👍🏻On difficult path of wealth creation person has to face criticism and redicule as Thrifty by others as well as family members .
Do what you think will make your future comfortable
@@aliyawaqar4172 Right
thats true sir ... i have tata nano but my wealth is 1.5 crore and have 50k fix income ..
all this happend after reading rich dad poor dad .....and investing and trading in stock market since 2015
R u retired or still working
@@skycloud1401 working on my own terms
@@rushiraul4084 yes.. Look at nature
What they need.. Food, shelter, security...that's all i have .. Expensive car.. Other things.. Sab moh maya hai
@@B-W. mostly people's do same mistake..
@@manudutta Trading krte ho kya aap?
I have helped my friends but they took so much time to return
गर दुआ कुछ होती है तो आपको बहुत मिलेगी। बहुतों को सही रास्ता दिखा रहे हैं आप
The video is an eye opener for many who r basically raja beta of their family. Reading comments r awesome and u got to know stories of others and can relate to yourself. Great 👍 to you sir ji, me n my wife have became your fan.
I'm mbbs final year student and I just love your videos especially what you told about kota is true.❤❤
Good one !!
Absolutely agree, the fun loving relatives are likely to be asking for help soon and specially from the wife’s family!!
Some relatives approach for signature of guarantee and the loan will never be repaid.They request you to do one signature simply but nothing else.That is a very big trap.
Very true Yaar.
So true. The bank exists to give out loans, and despite that if they are not giving loan to someone, then it's tells you a lot about the person's credibility and credit score.
You nailed it
My friend asked me be guarantor. I straight up refused.
Its very true and i faced the same problem. I have been emotionally a victim card of my own relatives. My sacrifices nobody cares. The day i refuse to give money to my relatives i have experienced so much pain and bitterness and now i have cut such people in my life and believe me i have gained so much happiness and enjoying myself.
Thanks for sharing Sir 🙏
I watched it for 2 times and shared it with my family and people who borrowed money from me.
Sir.....aap ke jaisi hi meri bhi soch hay.....ees liye log aur rishteydaar mujhe pasand nahi karte......Very knowledgeable video....thanks a lot.....for this valuable video....
Rightly said, Jo paisa aap kamate hai, wo aapke parivar ka bhi hai.
Sir,what you say is hard truth,but we must propogate to more , of us and more families
As a family, we have gone and going through almost all the examples so far. As the youngest, I went through all the persuasion, cajoling, threatening and requesting favors for irresponsible relatives and ended up crying. However, I am laughing 😀now, listening to you. We need to abandon American/western materialism and consumption and get back to living the life of our ancestors with a modern outlook.
Right
@@aarvind3901 Live within your means, don't spend more than you earn in other words. Then we won't need to borrow whether from cards, family or friends and demean ourselves.
Bitter truth well explained 👍
Sir,
You're right. We are learning a lot from you. We love you. May God bless you. You're a very great man. We love you.
Hameed Jilani.
Age 84.
Lahore, Pakistan.
13.11.2022.
100% true & practical, hat's off to you sir❤❤
I m a big fan of Ur sir, this is exactly my story, just because I live in Australia my closest family always ask for money.
Very true about all.🌹
Well people ask money from only those whome they expect money , u can give advice n sgow them your situation they are close family member hope they can understand
Funnily, if the roles were flipped, you would have done the same. Humans😂
Sir, u give pure content with no filters... Expose the naked truth of society.. Thats ur USP. Loved it. Keep going..
Sirjee I genuinely agree with your advise. It is simple, very clear and without any prejudice.
Very right Guru Ji. I have started making note of what I have given to my family members n relatives.
101% true these kind of vedios are needed for our people today. thanks a lot sir
I hit like button on your video's even before it start thats the level of trust you had built, Guru ji 🙏
Excellent analysis. This should be shown on national TV
ID. Very relatable video. There is lot of pressure from family and friends to lend money especially when they are unemployed.
I partially agree with you,,, अगर आपको लगता है कि आपका पैसा वापिस आ जायेगा तो जरूर किसी की मदद करनी चाहिए,, वहीं अगर आपको लगता है कि पैसा वापिस नहीं आ सकता और मांगने वाले को Bypass surgery करवानी है तो उसकी मदद करनी चाहिए न कि Medical Insurance का लेक्चर देना चाहिए क्योंकी इंसान की जान की कीमत पैसे से ज्यादा है,,,,,
Absolute Clarity of Thought from Clarify For Youth. 👍
Bahut sahi baat batayi aapne hamesha ki tarah....hum Saalo se yehi vichardhara rakhte Hain aapne UA-cam pe ye baatein bata di
Exactly sir my parents are regretting heavily almost 50 lakh given to close relatives over last 15 years and now ........
Your words are cent percent correct sir..We are both working and have to sacrifice , struggle a lot.
Thanku very much sir for working of you on various topics and enlightening us with your knowledge and experiences. ..you are gem sir
Real and experienced level content. It should be required for today's youth to take instant decisions👍
Just learnt this lesson...
I gave money with respect but when asked to return, I was humilated and after a tough words I got the money...😭😭😭😭😭
People love money but don't know how to manage it.
You take up topics which are so real , nd discuss them so easily.....you are indeed a reformer👍
Right said but I have 2 persons in my life who r giving their money to others even without asking.I feel very frustrated at times
one of the best video on finance.....
Practical Analysis Thanks 😊 🙏 👍
My in laws have raised my brother in law in such a way to ask money from older brother and never return back. The loan is 25 lakhs and counting His wife doesn’t work and then here we fight with each other . Gajab hai duniya.
Sir your video curse of good boy was also so apt. We work our ass off and there those people enjoy their life. But some people will never open eyes.
Isska zimedar mil n fil
Just remember - Rule no. 1 don't trust blindly 💯😷
Sir you answered my query which was a big issue for me
Thank you for giving us solutions for such tedious problems 🙏🙏🙏
👌🏽 very nice Video and relevant for today’s millennial youths
Excellent Message from this Video for all common people.
Sir I am thankful you came in my life
Good idea not give money. They never return. I gave money to One of friend after 3 month never gave back. And he kept pushing on. Finally he gave back after long time .Just to make him understand I asked him money and did the same to him kept pushing around the date . And Finally gave back the money asking one question how does it feel now.
Best thing what u can do while saying no is “come I will take u for lunch it’s on me. But I don’t have money to lend u”
Sir gajab aadmi ho bas continue rakhna series
You are my Uncle I always wanted but never had ❤
I'll show this video to all my close fellas, thank you sir.
Shukhar alhamdulillah got the answer of my same question and situation, thank you sir.
Thank you very much dada ji
Apna bhut bdiya baat boli es or moodo per boliye jo bilkul barik or satik he
Valid and practical points.
शत शत प्रणाम प्रभु। जय माता 🙏
Very Nice topic. Sir you are working hard for bringing these types of topics.
Excellent thought process
Thank you. Full of practical wisdom
My mom's already know all you make video about
Most topics , you and us agree
Feels good that i already know what you're telling
Perfect. Kya baat kahi hai apne. Very true.
absolutely right and more or less applicable universally.
This is the first time i m 100% agreeing to you as this is so close to my own reality...always expecting in-laws without seeing our sacrifice in life..we did not go on any foreign trip , do not always travel in plane. Take trains to places less then 20 hrs journey but they have not traveled in trains also gone on a foreign trip..
As most of it we are financing ..moral of the story is no one feel the pinch if its not their own hard earned money getting spent even if its their own son's hard earned money..they are ready to splurge..
I don't understand how they can
You are awesome sir. Thank you for the motivation 👍
We know a person who spent like anything,even on extra marital affairs,now he is short of money and expects his friends, relatives to lend him money
In my opinion before lending to anyone we should know about the person financial background and paying capacity of the particular individual bcz I believe lending money bridges the gap between the close relatives.
Thank you Uncleji, Aapne ek baap ki tarha logo ko duniya daari sikhayi hai.
agar rishtedaari barbaad karni hai, toh udhar de do 😂
My own brother doing nothing asking money n support from me...he has kids n living his life from my mother pension, to test when I said divide the property he strictly refused...how clever 😮 now we are not in good terms
Court jao he is no more your brother now
No if you are able please forgive him❤
Bhorandapan is show-off, if I understood the contexy correctly.
You are 100% right. People live lavishly and then borrow money from someone who has earned/invested by sacrificing pleasures in his life. If he has guts to say no, these people have audacity to criticise him for not entertaining them.
U r right Sir, all ur explanation focused on every topic is a fact. Agreed Sir.
किसी रिश्तेदार को कभी पैसा उधार नहीं देना चाहिए। हां, मुसीबत में आर्थिक मदद कर सकते हैं, बिना वापसी की आशा के।
Love you Sir. Wish I had listened to you three decades ago. Still very useful.
Is there any option of giving more likes to this video. Kudos for making video on such a topic.