My First Salary Mistakes: What NOT to Do With Your Money! | Ankur Warikoo Hindi
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- Опубліковано 7 тра 2024
- This video comes with notes, check here: bit.ly/3URoVZo
Embark on a journey through my financial evolution, from the early days of my first job to the pinnacle of financial maturity. In this candid video, I reflect on the highs and lows of my personal financial management, offering valuable insights gleaned from both mistakes and triumphs along the way.
Join me as I unravel the pivotal moments and pivotal decisions that have shaped my financial journey, offering a roadmap for navigating personal finance with wisdom and foresight.
#FinancialEvolution #PersonalFinance #warikoo
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Buy my new book 'MAKE EPIC MONEY' here: www.makeepicmoney.com/
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Useful links:
20 books for your 20s: bit.ly/WarikooBooks
20 online courses for your 20s: bit.ly/WarikooOnlineCourses
Gadgets that I use: bit.ly/WarikooGadgets
The above links are on Amazon.
If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L and in 2022 we contributed 53L.
Let’s connect online:
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🖋 Daily Blog: ankurwarikoo.com/blog/
Buy my new book 'MAKE EPIC MONEY' here: www.makeepicmoney.com/
My Money Apps: bit.ly/3Zg56eR
Start your own business: bigrock-in.sjv.io/6eZ1KK
My bestselling books:
‘GET EPIC SHIT DONE’: ankurwarikoo.com/getepicshitdone
‘Do Epic Shit’: ankurwarikoo.com/doepicshit
My gear for shooting this video:
🎥 Sony a7III camera: bit.ly/3M42wAV
🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0
🎙 Shure SM7B Microphone: bit.ly/3O1NAVA
🔆 Fill Light 60W: bit.ly/37aJolP
💡 Key Light 150W: bit.ly/3O9nyjs
📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1
Useful links:
20 books for your 20s: bit.ly/WarikooBooks
20 online courses for your 20s: bit.ly/WarikooOnlineCourses
Gadgets that I use: bit.ly/WarikooGadgets
The above links are on Amazon.
If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L and in 2022 we contributed 53L.
@warikoo Can you highlight the scam by LICHFL that prevents people from repaying home loan by online option. In the current manual option, we have to go to LIC office and submit cheque for repayment. Sometimes we may skip repayment of extra EMI or extra principal payment just because we have to do it manually. I am having 10 lakhs currently as I skipped paying extra EMIs wih the surplus amount I have. This is a very incovenient option in this 2024 era. We have to stand in line and the counter is open somewhere at 1 am - 11 am and closes by 3-4 PM. Please raise this issue. I need all Finfluencers to force LIC or any other home loan companies to enable prinicpal pre-payment through online methos. Thanks. Vikram
Sir am 34 year old(married )with 0rs savings, changing carrier to IT(still I haven't got the job), don't know how to become financially free at the age of 45 , any savings plan plsss
Already did is Q1 2024
2004 mei 14k? Seriously? You were in good position at that time
Ha Aaj ke hisab se 30000
Bhai mere papa 2005
army mein the aur unki 3000 salary milti thi iske alawa usi waqt unki shaddi bhi hui thi@@rohanbansode413
@@rohanbansode413 ajj ka infliation rate ka hissab sa 45000 to 50000
2006 me 1 lakh
Please don't Add this annoying Background sound 😢... It distracts from main content ‼️‼️
No it’s not that distracting
Thank you for your research. I find your videos are well done. RIght now I'm keeping an eye on Eledator
Hello sir me abhi 17 ka hu aur aap ki video age 16 se dekh Raha hu aur es ek saal (year) me bohot kuch sikhne ko mila free me mindset develop hua money ko leke aur personal life ko leke in sab cheez ke liye thankyou sir love you
Bhai ye sab chije iss age meh bilkul mat dekh life me kabhi grow nhi kar payega
Kyu bhai?
@@AmanSharma-ig5uc
Ankur Sir.. very informative and inspirational...
Very less people talk about their personal experiences and mistakes. We all can learn a lot !!! Thank you Sir
I am 24 and from previous month I started getting my salary which is 14,500 and it is my first salary 😀
Bro unki 14k salary ki ab keemat 80k-90k tak hogi 😂
@@Happysoul_3 kya kare bro sarkari peon hu starting yahi hy, abhi khud ka business start Karu ga
All the best
Around 35k brother @@Happysoul_3
@@Happysoul_3let's say the average inflation rate between 2004 and 2024 was 5% (this is a hypothetical figure, you'll need to find the actual rate). An inflation calculator would then estimate that 14000 INR in 2004 would be equivalent to around ₹22,050 today (assuming constant inflation over the period, which is not entirely accurate but can be a helpful estimate).
3000 rupay bike was not a mistake I feel, cuz even if you spend 100 rupees on travel daily you will end up spending 3000 while the 3000 you spent as emi gave you a fixed asset which you were able to sell off when you needed
But it was a depreciating asset
Atleast asset better than nothing@@adityaraghuvanshi3167
But travel not cost you 100 per day it hardly cost 30/40 rupees if he travel in public transport
ABSOLUTE EYE OPENER FOR ME !!!!!
I love this person, you are pro at creating videos and story telling
Wait, do you think cryptocurrency will crash? I don't think so. I'm using Eledator, traders just do business instead of me :) I don't afraid even if crypto will crash
What an transparency level 🫡
I love ur way of guiding. Kafi achhe se samjhate ho
Only one video is given u lot of knowledge 👍🏻💪🏻💪🏻
Thanks u sir, i will really meet u in future I have a very poor background I will never live in this. Condition. I really believe in myself. I am the best.
I am doing a job this time. And I also start investing as per your guardians ....
So i really thank u...
Please support how to make a big amount after some years......
*Excellent!!! Your channel is Highly recommend. But I really do have a question. For someone with less than $10,000 to invest how would you recommend we enter into investing as a newbie? Because depending on one steam of income is very difficult in this economy crisis so I would greatly appreciate any suggestions where one could invest that doesn't depend on government*
I would suggest to reach out to Mavis. What impresses me most about Mavis is how well she explains basic concept of winning before actually trading for you. And letting you use her trade signals. And she will also teach you how to trade as she trade for you. This goes a long way to ensure winning trades.
Please I'm a beginner where can someone reach Mavis?
She's mostly attend to client's faster on Telegrams, using the user-name.
*Mavis131大大大 ...that's it*
Glad to have stumbled on this comment. I'm new in investing, but I'll linking up to your coach. Thanks appreciate this useful info❤
I remove my loan emi from my monthly income and then invest around 37% in sip.
Then I put around 15 % in savings account for unusual wants.
And then the remaining is monthly expense, which is roughly 45-48%.
My main source of expenditure is whiskey, I like to party on weekends and spend around 3000 each month on drinks & co.
Which is around 10% of my salary.
We're lucky to have free financial councelling
Informative Thank you ❤
You are the great sir. 🎉🎉🎉🙌🙌🙌🔥🔥
Thank you ❤nice content
Great person to learn and get motivated. Thankful for 945 subscribers.❤❤
Thank you sharing, you have been helping me in the backend to learn new things, I dont have no loans, however planning on my new business
Will order the red book soon, I have yellow & green
Aap bahut acche insaan hain.❤
I feel very positive after watching this video ❤
Oh, I love you guys, the best market analysis! Seriously, why not mention Eledator?
The first time, I watched ANKUR WARIKOO'S Video till the End after subscribing 3 years ago..
Why?
Need: How do I Invest my money in future?
Wants: How to double this money by taking learnings from this Video?
Investments: Time...
Sir aapki video's dekh ke mera confidence or invest krne ki icha badh jata ahe ❤ love you sir ♥️
Please make a video What should be our basic life style after 20-25 years taking Inflation into account.... what should be our risk free investment pattern.....
*Congratulations for 4 Million Subscribers* ❤️🔥❤️🔥❤️🔥❤️
Wow ❤ Ankur Sir, so well explained 🙌. Please also share your marriage expenses 💒, am waiting for it....
Bhai 2006 12.5 lakh
wahi bhai big deal
Bhai 1 saal mai double 💀
Hum yaha 2024 me 3 lpa pe atke hai engineer hoke bhi
❤masterpiece❤
Congratulations for 4M sir 🎉🎉❤❤
Aree bhiaya bahut bahut shukriya main abhi just currently 23 ka hua hu… or apki video sahi time pe dekh raha hu!
Main bhi yahi soch raha tha ki mujhe 50% salary ka invest karna chahiye bhi ya nhi!
But ab mujhe kafi clearty ho gyi hai!
Need 30% , wants 20% , Invest 50%
Again thanks for My financial planning!
What yoy do?
Sir After watching your video I am doing SIP...❤❤
Thank you sir ❤
Love the story Ankur
Thank you 😊
Hie ankur sir , luv ur videos.. from bangalore ❤❤❤
1:50 this is one of the real life goals right here
Thank you sir❤❤
Please make a video on investment ideas for govt employees salary.
Thank you
Hi Sir, I do follow your video lekin uspe Kam nahi kar pa Raha hoon that is different... Point is the salary of yours is much much higher then mine as now I am getting that is why perhaps you could have saved a lot, I think.
If you can please set a call/one to one video you use to do for financial guidance. Pls sir it's highly required.
I used to get 12k as my 1st salary 7k was for my higher education EMI.
After few months when I had only 2-3 months left I took bike with 4800 EMI so net net in hand 1k rs since till that time I had appraisal
Can you please make a video on that marriage expense excel sheet, I would love to know your perspective at that time.
Sip term clear ho gyi h thanks to your videos
Compounding ka mtlb smj aagya h aapki vja se
Pr abhi bhi ek vo trika nhi aa parha h k kese sip krnu knha se krnu kisme krnu
Sir iam in my 20s or m isi saal se sip Krna chahta hnu but sir kuch doubts rhte hn jinka answer nhi mil rha k
What to do ?
Love you 🙏 sir 💕
Thankfully there was no direct deduction towards room rent and all and that's a plus if you ask me.
2004 main 14000 rupay aaj ki 60000 rupay ke barabar hai. Aap thumbnail to thik dalo. Likh ke de do 2004 ke time kaa baat aap kar rahe hain.
Pehle tu English padna sikh le thik se, thumnail me likha he, how I managed my salary in my 20s . Managed likha he iska matlb past ka bat bata raha he, upar se in my 20s v likha he toh obviously si bat he, tu khud samajh ne me galti kiya
Sir, I want to do SIP in nifty 50..
But which nifty 50
There are so many like sbi nifty Index direct growth plan,tata nifty 50 direct, nippon india index fund nifty etc..which one ??
Pls suggest
Sir meine maxlife investment par invest Kiya hai kya ye sahi hai
let's say the average inflation rate between 2004 and 2024 was 5% (this is a hypothetical figure, you'll need to find the actual rate). An inflation calculator would then estimate that 14000 INR in 2004 would be equivalent to around ₹22,050 today (assuming constant inflation over the period, which is not entirely accurate but can be a helpful estimate).
I don't think it will be that less, you also need to see the purchasing power and other costs to know the actual salary in today's time.
We can have a look at almost all the other costs
Congratulations for 4 millions sir, I have been watching you since you have 33k followers. As usual informative video
❤️❤️
@warikoo Thanks for sharing this amazing experience ! One question buying Bike or cars depends upon needs or age ??
I would prefer need on buying these things
Thanks
Thanks for the video very helpful but sir you did not shared details when your CTC jumped to 33 LPA what was your spend in need wants and investment!
love you ankur bhaiya
Love you too bhai
Sir, meri salary se jyada expense hai kaise manage kru, intrest pr loan liya hai , kuch guts hai to pure paise chale jate hai , or salary ke upr paise lgte hai ... Kaise manage kru
Meine Max life mein 5k Tak sip start ki hai kya ye sahi hai please response sir pehle bhi meine bataya tha lekin aapne dhyaan nahi diya sir please response
Your in hand salary in 2004 = My in hand salary in 2013.
Bro your in-hand salary today will be in hand salary of many in 2034
@@raftaar12 bad comparison.
Health related cost?
Any hospital related cost?
Medicine costs?
Health insurance?
Life insurance?
Let's live the life and enjoy to younger's ankur!!, They should live the life atleast 5years without any tension. You purchased the bike it was not mistake, There must be something if you like you must get it for your own happiness!!😊😊.After spending 5years they can think about investment and all.
Sir Is trading a good Option, Please Reply me ❤
Sir ap jitna 2006 me salary le rhe the utni to 2024 me bhi ni h meri
Same🙂
Sir what's your opinion about ETFs, can I invest big amount in ETFs like autobees, niftybees. Infrabees, pls tell me sir
Thanks Sir (:
Please show the marriage excel sheet and help up understand marriage expenses better
Bura lga ki itne saal baad bhi.. Meri Aaj salary same hai...jitni aapki utne saal phli thih... I had to work hard❤❤
What is ur age ? And what's your salary?
Us bro us
Isme aapki nahi, corporate world ki galti hai. You will win over them soon
@@Shubham-Mishra 23 and I am working in postoffice
@@warikoo Hope so sir
Sir I like your video.... will try to implement in our lives....but sir make video taking into Inflation into account.... What will the value of 14000/- in 2024...... please guide us what is value of 1 lakh after 20-30 year.....
Congratulations sir for 4 miliion 🎉🎉
Sir can you make a video on what job were you doing at this time?
Hey Ankur.
Thanks for all the videos you make I have following your cha nnel from long time.
I want one advice currently I am earning 15000 per month and investing around 5000 in mutual funds monthly. And I have like 10 different funds in my portfolio like 500 rs each SIP.
So it is better to diversify my portfolio or should I invest 5000 in one fund only.
What's your take?
I am 21 and i am going CMA, completed my articleship from a firm which is among top 10 audit firms of India, and since last 4 months i have joined the same firm and earning 25k per month
just a quesition and i would like y'alls inputs. I'm going to be starting my first job next month, salary of 40k. I've been dreaming of buying my first bike for a few years now (GT650) which costs 4,40,000 new but I'm okay with settling for a second hand bike too which will cost m about 2.5 to 3 lakhs. i know its not a wise investment but it has been my dream to own that bike. I have goals of doing my MBA after two years of working too which I'm planning to save for. I'm planning to purchase the bike in January 2025 after saving 20K for the next 5 months (1 Lakh) for down payment. EMI would come up to 12-15k for 2nd hand. What do you all think i should do. Should i choose to purchase the bike or let go of my wants. Is it okay to make such a mistake in my first job and live my dream or is it better to be wiser and let go of my wants? Please do read and give me your valuable insights. @warikoo sir this question is directed to you as well so if you do end up reading this i would love to hear from you as well! Thank you.
12:09 the best transition ever of warikoo's channel ❤😹
Hahahahha
Hello Ankur, great video.❤
Do you think investing for ur MBA was a good idea.? Shud someone opt for it now a days?
One sad thing about inflation is, the salary has remained same but the cost of everything has gone up. The EMIs have gone up, the cost of life has gone up now and hence the spend on needs is always increasing
Please do tell us that during this period which are those books which helped you Sir
New studio tour.. please sir. And how to be simple like u in video creation..
Hello ankoor bhai so according to you can you please confirm that we will get good amount of salary hike from MBA now also?
Sir koi aaise tarikha hai kya loan liya or vahi loan ke paise invest kiya yaha emi bhi cut ho jaye or profit bhi ho jaye
Sir aap kuch batooge maxlife ke baare me
Love from Pakistan ❤ sir ❤️
Agar ek perticular mutual fund me ek time ka lump sum invest karne ke bad agar usi me SIP start kare to,wo lump sum me add hoga aya phir SIP alag se start hoga??
Nice story, sab ki story apki tarah fast forward nahi hoti .. it start with slow and slow. No investment
Same my senerio but with less amount but not two much difference from Ankur 7:56
Hi Ankur, Love your content. Big fan.
Glimpse on what i am doing for making good wealth.
Investing 75% of what I earn in SIP,
15% giving at home (which will go towards rent after i move out) and 10% for my expenses.
My goal is to be financially free in next 10 years and start some small business of my own.
you give me motivation to keep going.
I have no loans, no emis :)
Bro what job are you doing?
Hello sir I'm Mamta please help me sir mene first time grow app me sip ki 5000 ki second sip kese Karu wo nhi ho rha parag Parikh flexi cap me
Sir why you didn't take any term life insurance in that age? Please reply
Sir can you teach us more about liquid mutual fund
Bro had a girlfriend before he had a job. And he married her. Huge respect
Hii sir how can I manage my salary? Please advise me
meri salary hai 25000 jisme se apne office aane jane ke liye kiraya ke alawa m 500-700 hi monthly khrch krti hu food pe isse bh km blki . m ghr me deti hu sara paisa . mere father job nhi krte . hum tin bahi bhen mil ke ghr chlate hai. mughe mba krna hai. m hmesha phle expense niklati hu salary se pr ab nhi . m ab investing suru krungi . m ek rupya save nhi krti. m abse krungi. m 27 age ki hu.
dont go with penny stocks
Hey, I would like to be a part of Money Matter series. ❤
Sir namaskar
Mera portfolio
Parag parag flexi cap -5000/-
ICICI prudential nifty next 50 index fund - 5000/-
Quant small cap - 1000/- step up 150 yr
Quant elss tax saver fund - 500 step up- 100/-
Acha hai yaa change Karu kuch bolie
Or 1000 investment karna hai kaha Karu
Or lumpsum karna hai :- 1000000/-
Kaha Karu hdfc balance advantage fund Mai daldu
Sir I have invested in mutual fund in lump sum on 8 may I my slot or lot has been allotted what to do next??
Sir am 34 year old(married )with 0rs savings, changing carrier to IT(still I haven't got the job), don't know how to become financially free at the age of 45 , any savings plan plsss
start gambling
Sir first salary har koi bataa hai latest wali batiya
sir in scenario 1 bike is marked as want but in scenario 2 car is marked as need why
Sir make a video for students who just entered collage and getting 10k monthly from parents how to manage that with investment