My new book Build An Epic Career is out now! Discover 15 career tools, avoid common mistakes, and build the mindset for career success. Grab your copy here: www.BuildEpicCareer.com/ My Money Apps: Indian Stock Investing (Zerodha): bit.ly/3iYKROh Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): bit.ly/3iYKROh US Stock Investing + Investment Tracking (INDMoney): bit.ly/3tT5moR Portfolio Investing (Smallcase): bit.ly/3u0is0I Corporate Bonds (Wint Wealth): bit.ly/3sbUI8c How to pick the right insurance (Ditto): bit.ly/3xFh7OU The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions. My bestselling books: 'Make EPIC Money' here: amzn.to/3WHJ43F ‘Get EPIC Shit Done’: amzn.to/4fK1IR5 ‘Do Epic Shit’: amzn.to/4fK9uuv
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 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, in 2022 we contributed 53L and in 2023 we contributed 52L.
Just stop using UPI and start using cash. Taking cash out of your pocket gives a lot of pain. Also, when you touch your cash in pocket it will become more valuable. Rs 1000 has a high value in hand than through UPI
Exactly, i lost thousands to scammers few months ago, but i did not feel the pain as much as i would've if i paid them in cash. I was like ok i had some prenotion sense that these are scammers and i will lose some to these guys, so अब पछताए होत क्या जब चिड़ियां चुग गई खेत then i may had regret it for few hours thats it because these were just numbers on my phone screen not my hard earned physical cash.
In 2024, I checked my Zomato spending through an extension and found that I spent around 24,000. Comparing it to 2023, where I spent about 13,000, I realized my spending nearly doubled in 2024. By 2025, I had uninstalled both Zomato and Swiggy and now prefer cooking at home when I'm hungry. The discounted food coupons actually encourage people to spend more than necessary!
Bro, discounted coupons are a scam, they still are exploiting double from you and getting commission even if you have premium and not charged for delivery. Swiggy has 2x more rate + TAX which restaurant do not have if you visit by yourself. So that discount only means you’re only paying 2x more instead of 3x more. Ban these apps. I also stopped using and only prepare meals at home. Only one nearby restaurant is an exception where they charge only 200 rs for BOTH lunch and dinner.
Top 5 of all financial advice videos for people of our generation. So eye opening. The monthly total of my upi and the individual transactions seem so unrelated. 200, 500, 150 and then monthly total in x,000/-
From past 4 months, I am using an app (money manager) where I am writing down each and every expenses. rs ka ho ya 10 ka ya 5000, sab likha hua hai. and it is very helpful in narrowing down faltu ka kharcha.
i am also using this app from 4 years and it helps me alott for tracking and manging my expenses. Now i can see my yearly expenses of 4 years. People must use these apps too.
sir aap bohot atche se life style ko shamajte hay or bohat atche se samjhate vi hay ..... aj apke video dekh ke mene vi calculate kia me 3000 monthly tuition karke mera besic need pura karta hu, me collage me parta hu but mera 90% small amount like 30,40,20,50 aise hay and last me mere hat me kuch nehi bachta hay....and up ki video dekh k aj samaj geya ki kaise kharach karna chiyea ... thank you sir .. love you very much .
same case but I earn 3800rs and want to save for my laptop for my music Production abhi sem 1 me hoon Struggling with knowing not to fall into these traps
Khao pio aur khush raho. Kamaye the kharch karne ke liye hi na😂 Aise kamane se kya fayda jisme thora snacks kha kiya usko bhi calculate kare Increase your salary rather than decrease your wants.
WHAT?!!!! 1 crore yearly income and 5 crore Debt?!!!! How can people be so frivolous with money despite coming from a place where their parents were earning 11k/month. Oh, it just saddens me.
They are just lying... especially it's a "SHE" She is definitely lying - it's normal nowadays. I can say "I earn 22 crores per year and still have a personal loan of 31 crores, bro! Believe me!" 🦖
What a video sir!! I've turn 18 last year in September. I've opened an UPI account few days ago. After seeing this video I'll be very careful with my money. Thank you sir a lot. You've indirectly save my money 😅.
@@hnath127 wo stingy bol na chahta hoga, me bhi recently upi ka user bana hu kuch 2-3 mahine pehle. Aap apne kharche catalogue karke rakho, acche se ek khata book ya kisi note taking app me likh lo, mera isse kharcha bhot minimise hue hai
One of d best video frm this channel.....much required for all of us...atleast to the new generation.... I hv seen one very common things in millenials now a days...those people are in their 40s and mostly well earned and with good savings but they are stuck in these two common thoughts .... 1.we only lives once,we are already 37 years old...and if we dnt enjoy the life now , than wht we will do with the luxury life on retirement ? 2. We have to make the balance ...we have saved enough for children and hv to save more for other important things. Kindly make one video on this...when a person who have good savings and earning well ...but very much confused in this balance of two things .
आपने बिलकुल सही टॉपिक पर विडियो बनाया 👍साल 2000 से पहले सामान्य व्यक्ति को कोई लोन नहीं मिलता था ऊसको अगर कोई चीज खरिदनी है तो हर महीने एक एक पैसा जोड़ कर ऊतने पैसे जमा होने के बाद शान से ऊस दूकान पर जा कर जो चीज खरिदना है वो खरिद लेता था और वो भी कैश में💪😎
अपनी पूरी खर्च में इंसान 70% खर्च दूसरे को देख कर और दूसरे को दिखाने के लिए करते हैं 😂 30% खर्च ही सिर्फ जरूरत के लिए खर्च होते हैं 😂 जो लोग सहमत हो इस बात से 👍👍 करिए 👍
Depend karta hai income aur cost of living pe. Kis jagah rehta hai ye bhi important hai. Baaki paisa invest karte rehna chahiye warna ya toh kharch ho jayega ya phir inflation khaa jayega. Dusra rule ye hai ki kisi ko udhaar mat dena kyunki wo paisa koi kaam nhi aaya aur na bhi invest hua, aur naa hi dost se interest maang sakte ho. Mehnat ka paisa gutter me gaya
@@gulnarbhiwandiwala232 Absolutely, I used to spend thinking that credit was my own extra money. But I had less in my bank account than my spending on credit card. So I had to rely on next month's salary. Now I spend based on how much money I have in my account and current month's salary. Instead of thinking I can delay my payments with credit card now I delay buying things that I don't really need and by doing that next month I realise that most of the things are not needed and it was just a momentary desire. Hope that helps you understand, what I am trying to convey.
@@sufeemohammad4370write down every rupee u spend in this month. Study the expenses at the end of the month. Then next month u will know if that expense can be avoided if it's unnecessary.
Its not about money only, its about mind and mental health, when a person is empty or sad/stress from inside, they try to find instant quick fix according to psychology hence binge eating, shopping and the apps have made it even so convenient.
I have huge respect for those people who are good with finance. Earlier i used to call those people miser who would not spend with open hands and would always want to skimp on everything but i now realise why it is so important. I earn 45k per month and i dnt have any responsibility towards my house but still i can't save anything
Sir by god's grace iam very lucky,, mai inn sab cheezo sai durr hi rehta hu, mere sbi expenses calulative and important hai, and har month savings mai pehle hi debit kr leta hu jaisa hi salary aati hai,, iam 32 years old, apni mehnat sai mene study ki bcos father nhi hai mere, marrige kri,, chota sa ghar bnaya,,, iam very thankful to you sir,, apse bhut kuch seekha aor apni life mai usko implement v kiya,, thanks alot Sir!
Mera purri zindgi main dekhi huyi sabse haseen Video sabse important video sabse jyada sikhne wala video yehi hai, maine yeh video bht enjoy kia yeh main download karkw rakhne wala hu, zaruratmaant ko agar dikhana samjhana pade de saku kya pata yeh video rahe na rahe. Love you sirrrr❤
I see all these ads. Many times tempted but comes from a family who were earning just 10000 a month 5 years ago. So understands value of every single rupee. Due to this attitude felt left from society many times as people just ready to give any price asked for anything. This Spending culture is just increasing day by day.
I guess the people who would have watched this video in full,must be in same trap or facing the same issues ...including myself ....hope this video can help us all to really get out of this trap...thanks Ankur bhai....for considering this as really a big issue ,else most people could not even realise what is happening with them...
I have watched full video but, i have always kept my eyes on spending...and I am not in trap of it. Some people force me to do unwanted expenditure but I am not doing that inspite of some criticism
what do you do like that you know i was earning 22k and was saving around 11.5-12k in Chandigarh every month and end up saving 1.75Lakh in first year with incentive 9k ever 3 months
Excellent.... accidentally watched your video. What a content.....eye opener for many people including me. Thank you very much sir 🙏. I have decided to change myself.
2:43 bhai kya bat kehdi hai😊 Muje yad hai hamare ghar me pehla smartphone samsung j2 Aya tha back in 2017. I was excited like tremendous. But recently I bought another phone and many other electronic gadgets but they couldn't give me that excitement again 😢. I think more exposure to the technology and easyness kills the excitement
I loved the motion graphics where the man was walking up the ladder and the devil sitting on top. What a great visualisation. Great work please share it with your design team also sir :) Love from Madhurima.
I learnt something amazing from this video. ★ How small-small transactions drain our hard earned money. ★Kharcho ko "hamare kaam ke ghanto" se compare karna.
2005 se main earning start kia, tuition se... tab se aj 15/01/25 tak each and every expenditure main record Kia mere diary mein.. 11 diary ho gaya, March 2024 se 12 th start hua... Kharcha karne mein mjhe koi prob nehi hain, lekin woh kaha ho raha hain ye agar nehi pata chala to mein so bhi nehi sakta hoon... Mere diary mein sabka record hain... e.g. agar kisi ko road pe 2 rs bhi dia, to wo bhi note karta hoon, ye example islie dia ke mere pas amount matter nhi karta mjhe sir janna hain mein kaha pe kharach Kia... Hard earn money hain mera, wo to ura dé nhi sakta na....
Lekin 12 dairy agar 200 ka ek b rakh de to 2400 plus pens agar bas 12 he rakh de 10 ka to 120 , ....sab se pehle ye 2500 apne 12th dairy kai jod lo aur gir time ka calculation ko bas aap he kar sakte ho ... Transactions ko analysis kar k bachat karna achi baat hai lekin har cheez ko record kar k apna dimaag din raat isi mai rakhna b acha nahi haina.... zyada se zyada 1 hazar rupees extra kharcha karoge na lekin psychologist isi baat k liye minimum 5000 lega....choice is yours...thanks 🙏
Simple sa Funda hai ki ek alag account rakho kharch ke liye, investment ka alag aur salary ka alag. Phir chahe Kitna bhi kharch karo kabhi derail nhi hoge. Kuchh diary maintain karne ki jarurat nhi aur har financial year me tax aur saving ka planning karna jaruri hai.
Hi video seems very informative.. I have cracked my day, week and month how to not spend to any my money .. I am contusions making money. And investing without spending on any zero return worth of spending.. It's not that I don't spend money. But I have STOPED buying any unnecessary products. Best thing... avoid buying things which will not give you any pleasure after purchasing.. My monthly salary is 3 lacks and my spending is less than 75000 (including monthly rental of 20000. I dont do online shopping. I dont order any food online. I dont buy any OTT platform. I dont have any loan I dont want to buy any home I spend my Saturday and Sunday within my garden and avoid watching any nonsense webseries. Or reels I save most of my money and invested in Stocks and Mutual funds.. I enjoy to spend money on family small holiday or min vacation which hardly cost me 2 lac or 3 lac.. which is very small compared to my savings. I dont believe in buying car or buying a house. I dont believe in buying branded shirts or t-shirts. It doesn't mean I wear street selling cloths. I believe in healthy and simple lifestyle. Just stay simple..
Going very well my brother. I aspire to be like you. But i would rather have a car because i don't live in a metro city and the transport system here is not very reliable and convenient
Funny how this video came out today. Just 2 days back, i went through all my transactions on UPI coz i do all my transactions using UPI. I literally don't use cash. I took the data out for the last 8 months, put everything on excel. This has given me a clear idea on what my expenses are and where am I spending the money. I have figured out a couple of areas where i can absolutely control my spending and i will be using this to invest in mutual funds. I have started to become more responsible with my money thanks to this channel. Thank you Ankur sir.
UPI money, despite definitely being easier to spend also have this advantage of having a record. its exactly like a credit card using it wisely will save you big time but reckless spending will be just as bad. as an 18 year old student i also keep 80% of my pocket money in bank just so that i can analyse the statement at the end of the month
You are a living legend sir... Your each and every words are so much relatable... Thank you sir for posting such videos... ❤❤ Waiting for next video regarding money matters....
Regards Warikoo Sir! A very thoughtful and a very informative video! I have replaced all my binges on OTTs and random YT videos during my meals and breaks with your videos, it helps and makes me feel as if I have made a good use of the leisure I have! Much respect, thankyou!
I never Order food from outside, I Never Buy unnecessary Things, I do Have Subscriptions Like Google One but, I can Manage all of that. My Monthly Income is ₹1,90,000 and My Monthly expenses is ₹50,000 as of now. I Know it is a Lot but, My Vegetables and More things which are important. It will be nearly 12,000 INR, but My wife and Children spend more than that. Control yourself and you will save Money
Sir apke video dekhkar bahut motivation milata hai aesa lagata hai ki koi bada bhai samajha raha hai really sir you are doing great job for secure our lives
Big Thumbs up 👍 sir ji.. The very first thing I have done starting of this year is Noting down my expenses in BOOK... I am taking my money spendings seriously.. I am sure by this year end I am able to save huge amount - Says one rs save is one rs earn 😊😊
Sir ji, I love how you present your content with us. Even though you are not certified financial advisor but I personally take you as personal advisor 😜 😜. Great job sirji. Keep it up. Big fan
Warikoo Sir, Awesome Content, I am a student I don't have that much money but I can relate what you said in the video, Will surely look after this when I start earning.
Really useful content 👍🏻 Warikoo sir 🎉hats off ❤ ur doing beautiful job ....im 35 self made entrepreneur bit i lost my money 😢 a lot .... I shut 👇🏻 down all apps !!
Well gotta feel proud of myself that I am over thinker and an introvert that these quality of introspecting is in built atleast in the part of online/ offline shopping and going out 😅😅😅 have to think alot before going out or purchasing
Sabse Khatarnaak UPI hi hai aur isse jada Khatarnaak Credit Card On UPI hai.. sab chote chote kharche karte karte jab end me pata chalta hai ke ye bahoot jada ho gaye hai.. main reason batata hu ke Credit Card Jo upi ka hota hai uske Credit Limit bahoot jada hoti hai jab Kuch chota kharcha hone ke sms aata hai tab usme Balance show hota hai me jo bahoot jada dikhta hai par hamare mind ko feel hota hai ki ye to apna hi paisa hai but real me wo loan hai .. short loan .. end me jab Monthly Statement Generate hota hai tab pata chalta hai ki ye bahoot ho gaya hai.. usse bada joke Still hum ye Repeat karte hai har mahine
My new book Build An Epic Career is out now! Discover 15 career tools, avoid common mistakes, and build the mindset for career success. Grab your copy here: www.BuildEpicCareer.com/
My Money Apps:
Indian Stock Investing (Zerodha): bit.ly/3iYKROh
Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): bit.ly/3iYKROh
US Stock Investing + Investment Tracking (INDMoney): bit.ly/3tT5moR
Portfolio Investing (Smallcase): bit.ly/3u0is0I
Corporate Bonds (Wint Wealth): bit.ly/3sbUI8c
How to pick the right insurance (Ditto): bit.ly/3xFh7OU
The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions.
My bestselling books:
'Make EPIC Money' here: amzn.to/3WHJ43F
‘Get EPIC Shit Done’: amzn.to/4fK1IR5
‘Do Epic Shit’: amzn.to/4fK9uuv
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
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, in 2022 we contributed 53L and in 2023 we contributed 52L.
Sir I ordered it on 6th Jan, it will be my first book ever.
Sir I love all videos or ek baat money matter mai do baar msg Kia hu lekin koi reply nahi please sir 😍😍😍😍😍❤️❤️❤️❤️
Sir main ne 10 ko hi order kr diya .. main ne aap ka 3 book padah rakha hu😊 .. Thankyou sir for changing me! ❤
Sir 22:18 this time though is inspired to me save in future,thank you so much sir.
Sip or smart sip
Just stop using UPI and start using cash. Taking cash out of your pocket gives a lot of pain. Also, when you touch your cash in pocket it will become more valuable. Rs 1000 has a high value in hand than through UPI
Exactly, i lost thousands to scammers few months ago, but i did not feel the pain as much as i would've if i paid them in cash. I was like ok i had some prenotion sense that these are scammers and i will lose some to these guys, so अब पछताए होत क्या जब चिड़ियां चुग गई खेत then i may had regret it for few hours thats it because these were just numbers on my phone screen not my hard earned physical cash.
100% true,cash is king🙂
True
Sahi bola bhai ekdum
True
Its all about SELF-CONTROL💪🏻💯
Nope its easy to follow aswell if u got strong willpower i follow it...@@Divyanshuraj18
@@Divyanshuraj18 control ek din me nahi ata regular practice se ata hai.
when u have excess money its almost impossible
Ya bro
U are absolutely right 👍
correct
In 2024, I checked my Zomato spending through an extension and found that I spent around 24,000. Comparing it to 2023, where I spent about 13,000, I realized my spending nearly doubled in 2024. By 2025, I had uninstalled both Zomato and Swiggy and now prefer cooking at home when I'm hungry. The discounted food coupons actually encourage people to spend more than necessary!
😂
Great decision.
Same story ...following same home cooking..🎉
Same here..30000 in 2024
Bro, discounted coupons are a scam, they still are exploiting double from you and getting commission even if you have premium and not charged for delivery.
Swiggy has 2x more rate + TAX which restaurant do not have if you visit by yourself.
So that discount only means you’re only paying 2x more instead of 3x more. Ban these apps. I also stopped using and only prepare meals at home.
Only one nearby restaurant is an exception where they charge only 200 rs for BOTH lunch and dinner.
Definitely among the top 5 videos of this Chanell.
Top 5 of all financial advice videos for people of our generation. So eye opening. The monthly total of my upi and the individual transactions seem so unrelated. 200, 500, 150 and then monthly total in x,000/-
Agreed!
From past 4 months, I am using an app (money manager) where I am writing down each and every expenses. rs ka ho ya 10 ka ya 5000, sab likha hua hai. and it is very helpful in narrowing down faltu ka kharcha.
Mere pass Day to day application 😊 I track my all debit even as low as rs 10
Tracking on Wallet by Budgetbakers more than 6 years.
i am also using this app from 4 years and it helps me alott for tracking and manging my expenses. Now i can see my yearly expenses of 4 years. People must use these apps too.
Even I'm using the same app
Where I'm tracking all income and expenses
Even 1Rs transactions
I'm aware where I'm spending
Mai bhi use krta bhai
sir aap bohot atche se life style ko shamajte hay or bohat atche se samjhate vi hay ..... aj apke video dekh ke mene vi calculate kia me 3000 monthly tuition karke mera besic need pura karta hu, me collage me parta hu but mera 90% small amount like 30,40,20,50 aise hay and last me mere hat me kuch nehi bachta hay....and up ki video dekh k aj samaj geya ki kaise kharach karna chiyea ... thank you sir .. love you very much .
same case but I earn 3800rs and want to save for my laptop for my music Production abhi sem 1 me hoon
Struggling with knowing not to fall into these traps
same situeation bro😎
Khao pio aur khush raho.
Kamaye the kharch karne ke liye hi na😂
Aise kamane se kya fayda jisme thora snacks kha kiya usko bhi calculate kare
Increase your salary rather than decrease your wants.
WHAT?!!!! 1 crore yearly income and 5 crore Debt?!!!! How can people be so frivolous with money despite coming from a place where their parents were earning 11k/month. Oh, it just saddens me.
They are just lying... especially it's a "SHE"
She is definitely lying - it's normal nowadays.
I can say "I earn 22 crores per year and still have a personal loan of 31 crores, bro! Believe me!"
🦖
Bhai, when you earn 1 cr, you'll want to buy a BMW, Range rover, etc.
Same here, spending almost 20k on subscriptions
It all for the fake luxury
😂
What a video sir!! I've turn 18 last year in September. I've opened an UPI account few days ago. After seeing this video I'll be very careful with my money.
Thank you sir a lot. You've indirectly save my money 😅.
Save money right sir
Just remember you will be called greedy amongst your friend circle
@ Do you even know the meaning of greedy ?? 🤣 I said I'll save money not ask for my friends money, 🤣
What about senior citizens who get no pension too. Do update us. Thank you
@@hnath127 wo stingy bol na chahta hoga, me bhi recently upi ka user bana hu kuch 2-3 mahine pehle.
Aap apne kharche catalogue karke rakho, acche se ek khata book ya kisi note taking app me likh lo, mera isse kharcha bhot minimise hue hai
One of d best video frm this channel.....much required for all of us...atleast to the new generation....
I hv seen one very common things in millenials now a days...those people are in their 40s and mostly well earned and with good savings but they are stuck in these two common thoughts ....
1.we only lives once,we are already 37 years old...and if we dnt enjoy the life now , than wht we will do with the luxury life on retirement ?
2. We have to make the balance ...we have saved enough for children and hv to save more for other important things.
Kindly make one video on this...when a person who have good savings and earning well ...but very much confused in this balance of two things .
आपने बिलकुल सही टॉपिक पर विडियो बनाया 👍साल 2000 से पहले सामान्य व्यक्ति को कोई लोन नहीं मिलता था ऊसको अगर कोई चीज खरिदनी है तो हर महीने एक एक पैसा जोड़ कर ऊतने पैसे जमा होने के बाद शान से ऊस दूकान पर जा कर जो चीज खरिदना है वो खरिद लेता था और वो भी कैश में💪😎
I’ve read many books about money, but Zarnivex Money takes the crown. Its unique
Can't Google about it. Will you share a link?
Ye stupid bots ab India mein bhi aa gaye!
अपनी पूरी खर्च में इंसान 70% खर्च दूसरे को देख कर और दूसरे को दिखाने के लिए करते हैं 😂
30% खर्च ही सिर्फ जरूरत के लिए खर्च होते हैं 😂
जो लोग सहमत हो इस बात से 👍👍 करिए 👍
Depend karta hai income aur cost of living pe. Kis jagah rehta hai ye bhi important hai. Baaki paisa invest karte rehna chahiye warna ya toh kharch ho jayega ya phir inflation khaa jayega. Dusra rule ye hai ki kisi ko udhaar mat dena kyunki wo paisa koi kaam nhi aaya aur na bhi invest hua, aur naa hi dost se interest maang sakte ho. Mehnat ka paisa gutter me gaya
Shi. Bat
I agree
Bro your channel is 90% ads
Sahi baat jese ki insan to ek tent mein bhi bina tension k reh le lekin duniya ko dikhane k liye mahal banana to padega na.
You are the best Mr Warikoo..you can save educated middle & upper middle class of India
Berojgar hokar bhi pura video dekh liya😂😅
Same
😅
Bhai attention span badhega 😂
Kyu berozgar log kharch nhi krte?
Sahi hai brother paise lootane ke jagah inko bachane ka kuch to idea aayega samajh mein...
This is a masterclass. Absolutely masterclass. Never think in such a way.... Hats off to @warikoo Sir... So practical and smart analysis...
Be conscious of your spending. Things will change for the better. I used to spend 70k a month. Now my expenses are 11k.
I wish I could earn like you
How Can u plzzz explain
@@gulnarbhiwandiwala232 Absolutely, I used to spend thinking that credit was my own extra money. But I had less in my bank account than my spending on credit card. So I had to rely on next month's salary. Now I spend based on how much money I have in my account and current month's salary. Instead of thinking I can delay my payments with credit card now I delay buying things that I don't really need and by doing that next month I realise that most of the things are not needed and it was just a momentary desire. Hope that helps you understand, what I am trying to convey.
I too spend huge amount every month, please explain how you controlled your expenses.
@@sufeemohammad4370write down every rupee u spend in this month. Study the expenses at the end of the month. Then next month u will know if that expense can be avoided if it's unnecessary.
Its not about money only, its about mind and mental health, when a person is empty or sad/stress from inside, they try to find instant quick fix according to psychology hence binge eating, shopping and the apps have made it even so convenient.
My favorite person, such an amazing person, Mentor, Entrepreneur and whom I respect the most ❤🙏🏻🙌
पैसा बचाना भी एक कला है
Strongly believe in this 🙏 You need more brain to spend than to earn.
I have huge respect for those people who are good with finance. Earlier i used to call those people miser who would not spend with open hands and would always want to skimp on everything but i now realise why it is so important. I earn 45k per month and i dnt have any responsibility towards my house but still i can't save anything
This video should be watched by every single individual 🙌
Sir by god's grace iam very lucky,, mai inn sab cheezo sai durr hi rehta hu, mere sbi expenses calulative and important hai, and har month savings mai pehle hi debit kr leta hu jaisa hi salary aati hai,, iam 32 years old, apni mehnat sai mene study ki bcos father nhi hai mere, marrige kri,, chota sa ghar bnaya,,, iam very thankful to you sir,, apse bhut kuch seekha aor apni life mai usko implement v kiya,, thanks alot Sir!
This small but impactful story made my day
Very good approach
You have changed how I see money! My much appreciation & respect! Thanks for creating such content 🎉
I’m addicted to your content
You have hit the right topic and explained it so well. An eyeopener for everyone. Thank you so much for posting this eyeopener video.
This video truly opened my eyes and I'll try my best to live a minimalist life without falling into the Digital matrix
Mera purri zindgi main dekhi huyi sabse haseen Video sabse important video sabse jyada sikhne wala video yehi hai, maine yeh video bht enjoy kia yeh main download karkw rakhne wala hu, zaruratmaant ko agar dikhana samjhana pade de saku kya pata yeh video rahe na rahe. Love you sirrrr❤
बड़ा धन्यवाद XAI39E और SUI का जिक्र करने के लिए। ये दोनों मुझे भविष्य लगते हैं। मैं इन्हें मजबूती से पकड़ रहा हूँ।
11:39 this line❤
Epic!!
I see all these ads. Many times tempted but comes from a family who were earning just 10000 a month 5 years ago. So understands value of every single rupee. Due to this attitude felt left from society many times as people just ready to give any price asked for anything. This Spending culture is just increasing day by day.
Don't worry, think of quality of life. Save/invest for future and buy only needed. One day they will feel jealous.
Yr video reminded me of memories each 90s kid has, no mobile ....nly tv....
Thank you. It felt like a meditation session. Now it's time to grab a notebook and a pen to reflect on the things that I have learnt.
I'm not spending that much but you change my mind thanks Dear its really helpful video.
I guess the people who would have watched this video in full,must be in same trap or facing the same issues ...including myself ....hope this video can help us all to really get out of this trap...thanks Ankur bhai....for considering this as really a big issue ,else most people could not even realise what is happening with them...
I watched the video in full. But thankfully, not trapped in this system. I like to educate myself on what mistakes not to make🫡
I have watched full video but, i have always kept my eyes on spending...and I am not in trap of it. Some people force me to do unwanted expenditure but I am not doing that inspite of some criticism
Very needed video it was, suffering from the same issue, earning 80k per month, but cannot servive after 15 days of getting my salary.
what do you do like that you know i was earning 22k and was saving around 11.5-12k in Chandigarh every month and end up saving 1.75Lakh in first year with incentive 9k ever 3 months
Excellent.... accidentally watched your video. What a content.....eye opener for many people including me. Thank you very much sir 🙏. I have decided to change myself.
i just luv this person...he's simply incredible .....awesome personality sir 😃🥰
You won my heart sir 💓
This episode is for every youths
Worst thing is enabling Rupay credit card over UPI.
Right ❤
I also enabled it last year. Now disabled it from this year and blocked the credit cards😅
I also stuck in
True
Depends on spending. Enabling upi credit saved me 5000 per month.
2:43 bhai kya bat kehdi hai😊
Muje yad hai hamare ghar me pehla smartphone samsung j2 Aya tha back in 2017. I was excited like tremendous.
But recently I bought another phone and many other electronic gadgets but they couldn't give me that excitement again 😢.
I think more exposure to the technology and easyness kills the excitement
There is a epic solution to avoid unnecessary shopping by turning off the notification of shopping,food delivery apps ......
It's helping me a lot..
Not only we are spending more, basic things have also become so expensive: education, housing, food, etc.
I loved the motion graphics where the man was walking up the ladder and the devil sitting on top. What a great visualisation. Great work please share it with your design team also sir :) Love from Madhurima.
Hlo
Loved it, thank you so much for making it so clear and crisp.
one thing which i did was to buy a youtube premium subscription to avoid ads ,
Mind boggling podcast 😮😮😮
Sir aap ke wajah muze realise hone laga hai 😢 thank you sir
I learnt something amazing from this video.
★ How small-small transactions drain our hard earned money.
★Kharcho ko "hamare kaam ke ghanto" se compare karna.
Damnnn Great! This one was soooo good! What a perspective of the connection between time and money! Insanely Educational! Thank you very much!
One of the most important video in this present era I have ever seen till now. Carry on Sir...❤❤
10:44 The most important point in this whole video.
Goosebumps 🔥🔥
Thanks for this.
I think I manage everything best but jow I realize how I'm wrong.
Thank you❤❤❤
Epic episode ❤ Truth of life 👏
One of the best video Ankur w - u have made this so so relatable
Thanks for explaining so easily
Paisa bachane se better hai
Paise se paise banane pe focus karna ❤
This video is a masterpiece, the most impactful. I just watched the best UA-cam video ever.
Thanks for your time brother Ankur Warikoo☺️
2005 se main earning start kia, tuition se... tab se aj 15/01/25 tak each and every expenditure main record Kia mere diary mein.. 11 diary ho gaya, March 2024 se 12 th start hua... Kharcha karne mein mjhe koi prob nehi hain, lekin woh kaha ho raha hain ye agar nehi pata chala to mein so bhi nehi sakta hoon... Mere diary mein sabka record hain... e.g. agar kisi ko road pe 2 rs bhi dia, to wo bhi note karta hoon, ye example islie dia ke mere pas amount matter nhi karta mjhe sir janna hain mein kaha pe kharach Kia...
Hard earn money hain mera, wo to ura dé nhi sakta na....
M bhi bhai 2 saal se hr chiz note krta hu best trikaa h ye
Thanks to both of you now I'll also do the same ❤
Same 1 sal se mai maintain kr rha hu
Lekin 12 dairy agar 200 ka ek b rakh de to 2400 plus pens agar bas 12 he rakh de 10 ka to 120 , ....sab se pehle ye 2500 apne 12th dairy kai jod lo aur gir time ka calculation ko bas aap he kar sakte ho ... Transactions ko analysis kar k bachat karna achi baat hai lekin har cheez ko record kar k apna dimaag din raat isi mai rakhna b acha nahi haina.... zyada se zyada 1 hazar rupees extra kharcha karoge na lekin psychologist isi baat k liye minimum 5000 lega....choice is yours...thanks 🙏
Simple sa Funda hai ki ek alag account rakho kharch ke liye, investment ka alag aur salary ka alag. Phir chahe Kitna bhi kharch karo kabhi derail nhi hoge. Kuchh diary maintain karne ki jarurat nhi aur har financial year me tax aur saving ka planning karna jaruri hai.
So skillfully you have highlighted the most common trap that we are in, in this digital world
Hi video seems very informative..
I have cracked my day, week and month how to not spend to any my money ..
I am contusions making money. And investing without spending on any zero return worth of spending..
It's not that I don't spend money. But I have STOPED buying any unnecessary products.
Best thing... avoid buying things which will not give you any pleasure after purchasing..
My monthly salary is 3 lacks and my spending is less than 75000 (including monthly rental of 20000.
I dont do online shopping.
I dont order any food online.
I dont buy any OTT platform.
I dont have any loan
I dont want to buy any home
I spend my Saturday and Sunday within my garden and avoid watching any nonsense webseries. Or reels
I save most of my money and invested in Stocks and Mutual funds..
I enjoy to spend money on family small holiday or min vacation which hardly cost me 2 lac or 3 lac.. which is very small compared to my savings.
I dont believe in buying car or buying a house.
I dont believe in buying branded shirts or t-shirts. It doesn't mean I wear street selling cloths.
I believe in healthy and simple lifestyle.
Just stay simple..
What is your job
fakeeeri pro max 😅
Going very well my brother. I aspire to be like you. But i would rather have a car because i don't live in a metro city and the transport system here is not very reliable and convenient
What is wrong with buying a house, nowadays no one gets married if they don't have a home.
worthful video. everyone must watch.
He has delivered the most expensive information for free..
Amazing analysis. A must-watch video for anyone.
Funny how this video came out today. Just 2 days back, i went through all my transactions on UPI coz i do all my transactions using UPI. I literally don't use cash. I took the data out for the last 8 months, put everything on excel. This has given me a clear idea on what my expenses are and where am I spending the money. I have figured out a couple of areas where i can absolutely control my spending and i will be using this to invest in mutual funds. I have started to become more responsible with my money thanks to this channel. Thank you Ankur sir.
UPI money, despite definitely being easier to spend also have this advantage of having a record. its exactly like a credit card using it wisely will save you big time but reckless spending will be just as bad. as an 18 year old student i also keep 80% of my pocket money in bank just so that i can analyse the statement at the end of the month
I am so very greatful to you Ankur for giving us such a beautiful perspective w.r.t. our finances. This video has really changed my point of view.
Mai bhi bahut soch samjh kr kharch krta hu but aapne pay later vala jo point btaya use mai use kr leta hu but usme bhi 👀 rkhunga
Thankyou sir
Sir don't know how and wht u r doing ?bcs everytime whn we tell.about our poor condition they judge us but u r the gem sir ..we feel relax
You are a living legend sir... Your each and every words are so much relatable... Thank you sir for posting such videos... ❤❤
Waiting for next video regarding money matters....
This video insisting us to rewire or make more control on brain.. Thank you for this wonderful video.
Regards Warikoo Sir!
A very thoughtful and a very informative video!
I have replaced all my binges on OTTs and random YT videos during my meals and breaks with your videos, it helps and makes me feel as if I have made a good use of the leisure I have!
Much respect, thankyou!
This is the most valuable video you have ever made in your life Ankit
I never Order food from outside, I Never Buy unnecessary Things, I do Have Subscriptions Like Google One but, I can Manage all of that. My Monthly Income is ₹1,90,000 and My Monthly expenses is ₹50,000 as of now. I Know it is a Lot but, My Vegetables and More things which are important. It will be nearly 12,000 INR, but My wife and Children spend more than that. Control yourself and you will save Money
Thank you. you are video very informative bro 🤗♥️♥️♥️
Happy New Year Ankur!! You are saving a lot of lives. Thank you Sir!!
Sir apke video dekhkar bahut motivation milata hai aesa lagata hai ki koi bada bhai samajha raha hai really sir you are doing great job for secure our lives
So true, every thing on my screen is a direct or an indirect ad and the cooling period is zero, no friction in the process to a purchase
Hats off❤ wariko sir💯🔥 you are 100% RIGHT evergthing is tracked and click became easy
Big Thumbs up 👍 sir ji..
The very first thing I have done starting of this year is Noting down my expenses in BOOK...
I am taking my money spendings seriously..
I am sure by this year end I am able to save huge amount - Says one rs save is one rs earn 😊😊
Sir ji, I love how you present your content with us. Even though you are not certified financial advisor but I personally take you as personal advisor 😜 😜.
Great job sirji. Keep it up. Big fan
Warikoo Sir, Awesome Content, I am a student I don't have that much money but I can relate what you said in the video, Will surely look after this when I start earning.
This is called content that feels like bado ki nasihat ❤. Thank you
Really great Sir.
Flawless ! This entire video will save many peoples debt . Useful ❤
Real informative videos thank you sirr❤
इस साल का सबसे महत्वपूर्ण वीडियो है । वास्तविकता पर आधारित
23:40 best part start
Excellent analysis. ❤. Keep awakening the new gen children, youth .🎉🎉
I entirely agree with you warikoo sir, and I have subscribed your channel earlier for which I am feeling proud on myself
Thank you soo much…this is one of the best videos I watched so far on controlling expenses. Each and every word said is 100% true.
As soon as we Stop Buying new things online for some days, there is a depression like feeling,
They have got us that bad .
Really useful content 👍🏻 Warikoo sir 🎉hats off ❤ ur doing beautiful job ....im 35 self made entrepreneur bit i lost my money 😢 a lot .... I shut 👇🏻 down all apps !!
UPI and credit card are the most influential things responsible for extravagant nature
This is the Best video I have watched tiil date since 5 years. Simple, Clear and hitting hard. Kudos to your Research and Analysis. Great Work.
Well gotta feel proud of myself that I am over thinker and an introvert that these quality of introspecting is in built atleast in the part of online/ offline shopping and going out 😅😅😅 have to think alot before going out or purchasing
great explanation sir! ❤
5:01Sir thank you for sharing knowledgeable story,❤
Especially message of Pakistanni young generation,how to earn and spend.❤
Sabse Khatarnaak UPI hi hai aur isse jada Khatarnaak Credit Card On UPI hai.. sab chote chote kharche karte karte jab end me pata chalta hai ke ye bahoot jada ho gaye hai.. main reason batata hu ke Credit Card Jo upi ka hota hai uske Credit Limit bahoot jada hoti hai jab Kuch chota kharcha hone ke sms aata hai tab usme Balance show hota hai me jo bahoot jada dikhta hai par hamare mind ko feel hota hai ki ye to apna hi paisa hai but real me wo loan hai .. short loan .. end me jab Monthly Statement Generate hota hai tab pata chalta hai ki ye bahoot ho gaya hai..
usse bada joke Still hum ye Repeat karte hai har mahine
Right bro
thanks for this wonderful video...