Financial PLAN for Rs. 35,000 SALARY | Money Matters Ep. 114 | Ankur Warikoo Hindi
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Money Matters is a series where I have conversations with normal people such as you and I, on your personal finance issues. It is important to note that I am NOT a financial expert, I am NOT SEBI registered, and I am NOT qualified to give financial advice. Everything that I say in these videos is purely through my own experiences.
So these videos do not offer any stock tips, or specific mutual fund recommendations or get-rich-quick schemes. I am not selling any product or service through these videos.
None of the brands that I mention in these videos have paid me to mention them, unless I explicitly say so (and I will say if the video is sponsored).
This also means that my advice may not always be the right advice. So incase I make a mistake, the best way to correct me will be to share your point of view in the comments, so that everyone can benefit from it.
I am not perfect, nor claiming to be either and would love to learn and grow. The idea is simply to help people with their finance journey and through their story try to help others who may have a similar story.
In this episode of Money Matters, I sit down with 26-year-old Abhishek Kumar Jha, who moved from Muzaffarpur, Bihar, to Bengaluru to build a career in banking. Earning a salary of ₹35,651, Abhishek managed his mother’s extensive treatments through corporate health insurance, avoided falling into debt traps, and currently maintains a strict zero-debt life.
I break down his monthly expenses of ₹26,000 and give him a concrete, realistic financial playbook. We map out why a Liquid Fund SIP is better than his current RD for an emergency fund, how to split his ₹6,500 surplus into Nifty 50, Flexi Cap, and Small Cap mutual funds to project an ₹8.9 Crore corpus over 30 years, and how he can guilt-free use his upcoming June appraisal to fund his travel and lifestyle desires. Most importantly, we talk about why investing won't make you rich at a lower income scale - expanding your skill set and utilizing AI to double your primary income is your truest path to wealth.
00:00 About Abhishek
03:39 Expectations from Money Matters
05:22 Current finances
09:50 Plan for finances
17:53 Follow up questions
21:41 Closing remarks
#FinancialPlanning #MoneyMatters #warikoo
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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. Over 5 years we have contributed 1.96Cr in helping kids continue their education.
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.
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