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40-Year-Old Couple Struggling To Meet GOALS in DELHI| Fix Your Finance Ep. 59

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Hello guys, welcome to another episode of Fix your Finance. In today’s episode, we meet Dr. Priyanka and Dr. Abhishek, both of them hold PhDs and are professors in universities. Dr. Abhishek works in a government university while Dr. Priyanka is employed with a private university. In this video we discuss their income, expenses, loans and no-cost EMIs. We also talk about different ways to save for their kids’ higher education and also talk about how to build an emergency fund.
and much more!
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19 авг 2024

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Комментарии : 645

@shivanshmishra25 7 месяцев назад

Please bring more people like this which actually represents our country. They are struggling even after making 2 lakh a month. They are so damn underpaid as per their experience.

@samikmukherjee6791 7 месяцев назад

Exactly. Young software engineers making helluva money, but professors who are the backbone of education are the worst paid

@putin3491 7 месяцев назад

@@samikmukherjee6791bro 50% of the professors are useless or we can say 50% of the subject are useless and productivity in society of these subjects are zero. Just a way of looting money from students in the name of so called education. Skill based proffesor are getting good amount . Students from these courses are not able to earn even 40 thousand per month. No skill nothing. Just bogus unusable education. Where engineering mbbs diploma and other skill teachers are getting gud amount and even their students are getting benifits from those professors. We dont need students like kanhaiya kumar from jnu (useless fellows) . We need a gud 80 to 90 thousand earning skill ful person( lile interior designers)

@sanketnegi1 7 месяцев назад

@@samikmukherjee6791 It actually depends on returns.. Also how many software engineers you see after 40 years of age?? Most of them are dumped They get paid only as much as they can offer.. I know it's not fair but it is what it is.. Our education system itself is messed up and in most of the cases almost useless where people just study ro pass and can actually clear exams even without actually knowing what happens in their field

@tushargoel3870 7 месяцев назад

Brother vo itna deserve karte hai as their half day is also free

@putin3491 7 месяцев назад

@@tushargoel3870 half ni bro 2 /3

@amrgg3272 7 месяцев назад

24 lakhs is middle class income for a family with 2 kids in a metro. This video proves it. I did not see any untoward expenses by this family. All expenses were necessary including trips and gift which are necessary to keep one motivated. Good thing is they are competent and have stable jobs and by the time they retire, I hope things work out just as they planned.

@abhyudaya12 7 месяцев назад

2 kids+2 old parents. Income per person per month is only 33k

@ashutosht10 7 месяцев назад

Less than 1 percent people earn around 24 lakhs in India. If that were to be the case, nobody would have survived till now. People have even larger families and lesser incomes. Still they sustain and lead a decent life.

@abhyudaya12 7 месяцев назад

@@ashutosht10 To be in top 1% in India you need to earn around 3.5 lakhs per person per month where as they are only earning 33k per person per month. I don't know why people forget to divide the income by the number of family members.

@vicerock353 7 месяцев назад

@@abhyudaya12 so lets say top 10% instead

@Ritesh-gr9sd 7 месяцев назад

@@abhyudaya12He mentioned some hospital bills for parents .He didnt mention parents stay with him. Why did you divide by 6?

@cbazxy2697 7 месяцев назад

Guys don't be cruel and make fun, it only discourages them and any future guests on the show

@jaydeep-p 7 месяцев назад

Nobody's making fun, none of the 5 comments 😂

@cbazxy2697 7 месяцев назад

@@jaydeep-p I know, there were no other comments before mine. I made the comment because people were salty in live chat and in previous videos

@randommemeposting 7 месяцев назад

this is not Instagram's comment section. no one is out here making fun of them

@shauryarana5360 7 месяцев назад

@@randommemepostingiss video pe dank banne ki koshish karne Wale bache nhi atte na. Anyone watching this channel is of a different mindset.

@SHAM11_22 7 месяцев назад

? Is this precaution bc i don't see those shit here?

@harshagovindaraju5212 7 месяцев назад

Genuine Indian couples, doing their best for the kids and taking care of their parents.. respect to both of them..

@ms-oi4gc 7 месяцев назад

This was so good!! Bringing parents who have so much responsibility on them ....felt like i was watching my own parents

@bhagatsingh6308 7 месяцев назад

well said ..

@vigneshiyer1882 7 месяцев назад

This is India.. inspiring couple.. middle class fighting every month, every year ! Reminds me of how my parents overcame their life struggles with single income ❤️

@RealRandomVideos 7 месяцев назад

Most parents from 80’s and 90’s were single income.. huge respect to those men/fathers/husbands

@divinesoul1313 5 месяцев назад

Isse pta chlta hau..villages jo modern ho re h...wahan 50000 me araam se rha ja skta hai..with savings....

@srishtishetty8578 5 месяцев назад

@@RealRandomVideos Even women, my dad had a monthly income 2k, my mother didn't buy clothes for over 2 years. She gave tuition to kids and saved up for my education and emergencies.

@rajeshmeda3935 7 месяцев назад

This is brutally honest video. No show off, they are disciplined.

@akshaytonge6416 7 месяцев назад

Even after paying hefty school fees to these private schools students still have to join expensive coaching. Such a shame on these schools 😔

@sarkandawale 6 месяцев назад

Bhai menete to 20k me diploma b kr diya tha

@sharanpatil6320 4 дня назад

It all depends on student, I never went to tution, I tend to learn by myself although my school is of no use. And I'm not bright student as well

@zoom0819 7 месяцев назад

One of the best episodes of the series. Pure representation of an average indian family with complete honesty.

@KPS_04 7 месяцев назад

It was good to see a middle aged couple with so many responsibilities on your show, for a change. Good luck to them on fulfilling their financial goals ❤️

@chaitanyabatra8192 7 месяцев назад

Financial knowledge is scarce despite the abundance of 'finfluencers' out their. It's good that someone is taking up the mantle and helping out real people along with practical financial advice

@anshumanfinance 7 месяцев назад

♥️♥️

@rowanlenin6814 7 месяцев назад

Kudos to them for being so honest about their goals. It just goes to show how difficult it can be at times to manage a family. Wishing them all the success!

@navalmanori43 7 месяцев назад

The way both of them has genuinely expressed their earnings, expenses and savings is praiseworthy, because with what issues they are dealing are similar to all middle class families in metros. A great learning to them from Anshuman ji and for us through this episode.

@blackjack532 7 месяцев назад

Proud moment for channel. Keep briniging these type of parents couple. They are backbone of our tradition and moral values.

@TripAndVlogs 7 месяцев назад

Always love this. Every family in India should discuss finance. I don't know people are still lacking basic finance. Kudos to anshuman and team🎉

@dm5665 7 месяцев назад

Middle class discusses everything in get together except finance and investment.

@deepeshsao1008 7 месяцев назад

True.

@SANCHIT18OCT 7 месяцев назад

Tax should also be considered as cost on a monthly basis Utility bills should also be considered for cost calculation

@randomtuber1528 7 месяцев назад

Great to see people honestly sharing their income 👏

@drjitendravs 7 месяцев назад

Students watching this episode should take a message from this video. In India DEGREEwala education is much glorified but we can see here that it is not always true. Take a degree to learn and you have passion in doing that else absolutely not required just for the sake of what your parents think or zamana kya kahega.. Earn well and get financial knowledge as early as possible in your life do mistakes and standup again your experience will teach you well than any other school, education, certificate or so call degree. I got really surprised when that prof said I want to give best education to my children, he still lives in that serendipity.

@vikastulsi 7 месяцев назад

I feel issue is not with Degree.. But more that our education system & society & family does not support it with simple practical knowledge... How to make use of that degree... Middle-class people mostly are not WIRED to take risks and learn from mistakes.. they look for stability ( saying from own experience and many people around me)

@abhishekjain5758 7 месяцев назад

the main problem is system , you need a degree with good percentage , but the thing is in practicality it doesn't matter in jobs , mostly all degrees and school marks things is useless , but still it is being asked by companies , few companies look for only the thing need for them , whether someone is drop out or didn't go to school they hired based on the needed skill , Main thing is Inflation increases per year but starting salary hardly increases after few years

@TheChromelover 6 месяцев назад

@@abhishekjain5758 Problem is the “system”. We need to open up the system by bringing in youngsters into the system, by empowering women and via RTI.

@shrey3500 7 месяцев назад

This is helpful content. Kudos to the team! One thing we would like to see is the follow up on the suggestions made in the episodes. I understand its a stretch but if possible please consider in future. Thanks

@dhirenpatel7670 7 месяцев назад

Thanks to you and the Lovely couple , for sharing their financial journey with us. It gives a perspective for future .

@mrwasimmohammad 7 месяцев назад

Appreciate them, we need more podcast of their age, I can see some similarities of my parents in them, end of the the struggle is same

@amitkumar-qg8xs 7 месяцев назад

It feels sad to see them earning 40k in their 40s with PhD. Now they got it increased but it’s too bad. They look much older than their age with all the stress in their life. God bless them

@sunmoon144 7 месяцев назад

Ya initially i thought that guy was in his 50's before revealing his age

@rituparnadutta539 7 месяцев назад

Yes true, stress is making them age faster, same with most of us

@indiautube4915 7 месяцев назад

I too thought its written 40 by mistake instead of 50 in the video title

@ankushmukherjee3219 7 месяцев назад

People in premium call centers earn more

@gruntgobshite 7 месяцев назад

He’s the oldest 42 year old I have seen. I’m 45 and know several people my age in academia. Some look like they are in their late 40s, some look they are still in their 30s. This guy looks close to 60. Probably down to genes than tribulations of life.

@gauravpatil9536 7 месяцев назад

Shadi, functions aur saree, gifts, guest hosting, traveling to family functions. Such expenses are not counted. There should be category for this.

@jtipale 2 месяца назад

"Rishtedari"

@vivekshivdasani9521 7 месяцев назад

I wish to thank this wonderful couple for giving actual numbers to every income and expense figure.

@vikram_saha7 7 месяцев назад

Thanks Anshuman for bringing this episode. It's the situation of most of the middle class family in India. My family had gone through the same situation.

@Scg805 7 месяцев назад

Uncle doesn't look like he is 42 years old. He seems in his 50s

@sahilveersingh9980 7 месяцев назад

😂

@ashwanisingh4541 7 месяцев назад

Genuine and Useful podcast. People invest blindly, without having emergency fund. This is a major lapse that need to be corrected. Good Job Anshuman.

@amanrana271 7 месяцев назад

The video might not get million views but it is very relevant to people. You are on the right track ...

@thesurajproperties 7 месяцев назад

I am from Jaipur.. If he had bought land for 17 lakhs instead of flat in 2010, then the price of that land now would be at least 85 lakhs.

@bhandarii318 7 месяцев назад

Doesn't matter buddy, Total costs comes afer calculating cost of land+construction The cost of land is always counted

@mayankpandey358 7 месяцев назад

Tu paida hua tha 2010 me?

@msdadsfsx 7 месяцев назад

still nothing in comparison to equity returns

@thesurajproperties 7 месяцев назад

@Vikas-nt3mk Flat will never give return in jaipur like city as compare to land or house. My friend's father had bought a flat in 2013 for 55 and today the price of that flat is only 90 but if he had bought land or house then it would have been minimum 2.5 crores now...

@thesurajproperties 7 месяцев назад

@@mayankpandey358 mre ghr m property ka hi kaam h to mrko to pta hoga hi....

@sadzmanu9 7 месяцев назад

They both look like they're in the late 40s, definitely don't look like 42 year olds to me. If their jaipur house isn't earning any rental income, it is a liability rather than an asset. If they liquidate it it should easily cover the kid's education & also give them more money to invest into stocks & MFs.

@m2gautam 7 месяцев назад

I don’t agree with this

@veteran0708-lw2cg 7 месяцев назад

I agree with u

@007vissa 6 месяцев назад

That could be their residence after retirement.

@divinesoul1313 5 месяцев назад

My father is 55 , looks and health wise much younger than this man.

@justhustle5172 4 месяца назад

We are in a good real estate cycle, so wouldn’t recommend selling but would recommend putting it up for rent

@Gourab22 7 месяцев назад

One day I'll show this video to my father and ask him how tf he managed house expenses when his salary was 80k(peak). We lived in Tier-1 city ,had same situation like their kids own house so rest money went into investment in stocks.

@ashutosht10 7 месяцев назад

80k per month is decent salary for a family of 3-4 people, provided you have your own house or rent is reasonable. Even saving and investing is possible

@Newage-ed7er 7 месяцев назад

Which year u r talking abt?

@Gourab22 7 месяцев назад

@@Newage-ed7er 2016-2021

@abduljilanids 7 месяцев назад

Good idea to check if your father has any debt which a lot of parents take up without the knowledge of the family. If he has no debts then kudos to him for running a tight ship.

@AnujNeogi-ih2db 7 месяцев назад

Its Father buddy , he is your forever friend , best mentor , most handsome gentle man you will ever see . Those who don't have they know

@mukulmandal2416 7 месяцев назад

This couple is so educated. Really hats off... But does not have financial knowledge after reaching this state of life.. very disappointed.. This is the reason why India is becoming so poor day by day..

@Alwaysaman3 7 месяцев назад

Respect to sir and madam for sharing there journey with us.

@tejinder868 7 месяцев назад

42 age? Sorry but i thought he is 55+. He started work at 27 of age but married at 25 ( as per their kids is 16 years? 😮 ...bhai kuch gadbad hai

@hamid_091 7 месяцев назад

Yes Mujha bhee same lag raha hai

@chairpants 4 месяца назад

What's wrong with it? Did you forget the part where he had bizzilion degrees and PhD?? You have not seen anyone getting married before getting a job?

@user-go4oc1kp3y 6 месяцев назад

Excuse me - they are 40? Stop making fun of people, why you have to . Katrina, kareena, all of them are above 40..These people are 50.

@isomaniac7850 7 месяцев назад

I have watched a minimum 20 episodes of FWA but the thing is Anshuman's suggestions are limited & revolves around Increasing income, upskilling or buy term insurance invest in nifty index funds or invest in stocks or gold. Every solution has same answers which makes the content boring although it's fascinating to know some stories. Apart from promotion of health & term insurance u can certainly do better than now. It needs to be more interesting. Otherwise it'll be history. Content is the 👑 & we deserve to know every little thing about finance.

@avishjha4030 7 месяцев назад

He doesn't do anything in-depth, like Caleb does in the US. Those would be great.

@anshumanfinance 7 месяцев назад

Feedback taken, will add more nuance whenever possible in the future!

@namratamirajkar6640 7 месяцев назад

@@anshumanfinance Good on you Anshuman.. for taking the feedback in your stride! Looking forward to your future content!

@kanikapandey7240 7 месяцев назад

@@avishjha4030 Thanks for letting us know about Caleb . I was searching for more content like Anshumaan's.

@SohailS10 7 месяцев назад

Fix your finances is talking to regular people only toh basic regular cheeze ki dikhege....for others he has posted other content where he talks in industry experts and stuff

@YogirajGutte 7 месяцев назад

This video is very informative for young people like me. It talks about the expenses of a typical family. Using this information we can plan these expenses in advance.

@ajaymohan1863 7 месяцев назад

I am watching your video for the first time. But I must say I am thoroughly impressed and you earned a subscriber 😍 I love the fact that you are going into the society and helping real people with real problems. Keep up the good work ❤️

@SD_003 7 месяцев назад

18:35 We will fund higher education ourselves They should go for education loan. Onus should be on the kids to fund their higher education, that will make them more responsible and accountable. P.S: Maybe its the stress of PHDs, they look like early 50s rather than 40s 😢

@monishasekar4716 7 месяцев назад

No good parent would want their kid to start their career with a loan!!! My husband had an education loan followed by a home loan!!! Life sucks with zero savings!!!

@SD_003 7 месяцев назад

@@monishasekar4716 So you mean who go for education loan are bad parents? #SlowClaps

@shubhamsinghhimta 7 месяцев назад

Its understandable and clear to see they dont want to add another loan to their or their kids life and thats fine it makes sense

@SD_003 7 месяцев назад

@@shubhamsinghhimta but looking at their current financial situation, they are in no position to fund that without compromising severely. Education loan IMHO makes kids responsible from start which is no way a bad thing

@akshay-yeole 7 месяцев назад

They can take education loan and meanwhile keep the money growing with them and when kid gets out of college if he is not earning yet they can help him with emi... when he becomes capable he can partly pay the emi along with them and gradually increase his amount.. My understanding is that education loan is not interested until he completes he studies.. let me know if I'm wrong

@bkcy18 7 месяцев назад

This series just keeps getting better and better.

@july99887766 7 месяцев назад

Cant believe they are just 41 and 42..they look much older

@user-xu1ly4fk5y 2 месяца назад

55 and 56 looks both

@Phoenix_alt 7 месяцев назад

those couple were sooo sweeeet wholesome af

@akashsharma1134 7 месяцев назад

Its a harsh reality that 1.5 to 2 lakhs is not that much for metro cities these days.

@tanmayshukla4644 7 месяцев назад

Great video Anshuman! Along with the finance related discussion, I think it will be a great addition of a couple of minutes every video to discuss what physical activity is being done by the people in the video and promoting better physical health along with financial well being.

@ankurjain83 7 месяцев назад

True, person in the video is aged 42, but he definitely looks around 50. I am no where being close to fit, but I too am 41, I think he has aged much quicker.

@tanmayshukla4644 7 месяцев назад

@@ankurjain83 Exactly. Physical fitness is much needed to enjoy fruits of our financial labour.

@jiteshsharma9562 7 месяцев назад

Thank you Anshuman, You brought some of 40ish age for this show.

@meAK2403 7 месяцев назад

The question is with so many qualifications, they should minimum be on a 2.5L per month salary bracket individually. First thing look for a valuable prospective job that values ur qualification. That's the first thing we need to do as once gone, age will not come back. I agree that medical insurance is the most imp component of any household. 👍👍

@anandjaisingh3540 7 месяцев назад

Very honest people, my respect to them👍

@mandalorian1992 7 месяцев назад

Very Genuine Video! This couple represents most of the middle class people staying in a metro!

@camelkarma 6 месяцев назад

I refuse to believe that man is 42 years old

@ArvindKumar-vj7ll 6 месяцев назад

Documents wali age bta rha...in real 52

@awesometiwariji 6 месяцев назад

😂

@user-ex4hf9mw4t 5 месяцев назад

same 🥲

@samirthapa9833 5 месяцев назад

😂😂😂😂

@pankajpatil8918 4 месяца назад

Bhai ho bhi sakta hai… tension or medical issue can make people look older in early age as well..

@rashmibhandary543 7 месяцев назад

realistic and relatable, one of the best episodes

@radhikamanchanda5669 7 месяцев назад

I am so happy to see this video. This is real india being represented. Anshuman, I would love to work with you.

@Happysoul_3 7 месяцев назад

I think children should now study in mediorce schools as ultimately they will be going to tutions only. So there is no use going to huge private schools charging exorbitant amount.😅

@MrSatadal 7 месяцев назад

Then how they will tell to their relatives?

@ritika80 7 месяцев назад

@@MrSatadal😂

@MrSatadal 7 месяцев назад

@G-ew6sk if they can afford Doon school , it is fine.. else mediorce schools with good tution are sufficient.

@namitajain68 7 месяцев назад

Wife always says 'we'. Husband is 'I, me, mine'.

@lalithrockz 7 месяцев назад

Yeah very rare.

@Sabsebadepapa 7 месяцев назад

😂😂

@raghunathreddybudda-hk1jc 5 месяцев назад

@namitajain68 Stop blaming husbands there are crores of wives who simply hanging on husbands. First criticize that

@namitajain68 5 месяцев назад

@@raghunathreddybudda-hk1jc I am commenting on one video. Take your collective perceived grievance elsewhere.

@raghunathreddybudda-hk1jc 5 месяцев назад

@@namitajain68 since you are commenting based on video i have commented. That irony we are not criticizing women who are not financially contributing. Sever financial responsibility pushed on men. Then blaming men

@subhabhaduri7382 7 месяцев назад

The saddest thing about this video, that nobody is talking about. PHDs should be the top most earners, which by any means they aren't in India, this has to change big time 😢

@varuntammewar6582 7 месяцев назад

doctorate and other high level degrees don't mean a lot until you are a really valuable teacher or researcher doing so many degrees then teaching what you learnt in your undergrad program whats the point in the phd then

@hemshah1567 7 месяцев назад

Even in developed countries , phds aren’t paid much because they do not bring in the money for the business.

@shreya7181 7 месяцев назад

@@varuntammewar6582 people confuse knowledge with degrees

@venkatn8262 7 месяцев назад

Your pay scale is influenced by multiple factors the main being demand and supply gap, the revenue you bring to your employer, profitability of your employer and future potential value for employer business. It also depends on business model like if it is borrowed capital, VC money, stock market money,etc. as businesses believe in returning value to investors before paying employee salaries or increments.

@testuser8953 7 месяцев назад

Having a PhD is no measure of intellect.

@TheKharia 7 месяцев назад

Loved the way how you listened to them without judging or mocking them.

@shubhambharadwaj6016 7 месяцев назад

One aspect you missed was is the Jaipur flat rented? Do they have any rental income? Also their home loan will be ending next year so they can easily use the same amount as an SIP for their younger kid.

@vinayspoorthy 7 месяцев назад

I think their parents are living there

@AnuragKanishkaVlogs 7 месяцев назад

Very genuine family. God bless them. They will surely find a good way to come out of their situation and will achieve their goals. ❤

@anuraagtummanapally1395 7 месяцев назад

Really nice @anshuman, we all say education inflation is getting high.. but watching these couple plan finances for their kids education shows us how much education costs in todays world..

@arjunps6776 7 месяцев назад

They're an academic couple. They tend to focus a lot on education. Their knowledge is mostly from text books. But end of the day what's the point of education - to give us better life. How will life be better? By making more money and managing it properly. Education is helping this couple to make money but their text book knowledge is not helping them manage it. They want to give their kids good education. Why? So that they can make money too. So it's important to learn how to manage money. The eldest kid has gone into science stream. He's likely to end up like parents as far as financial knowledge is concerned. One suggestion I can give is to let the second kid take up finance. Something which my parents did. Both were science graduates but let me take Commerce against the trend of the times. Thanks to me now our family finances are safe and healthy. Helps to diversify knowledge in the family.

@vikastulsi 7 месяцев назад

Absolute practical idea.. provided the kid has an interest in the subject. My take is that while bringing up kids, some things are absolutely important. Unfortunately, our Education system is oblivious to it.. so we can make sure they understand those.. 1. Basics of Healthy eating and living (basic cooking know-how, one sport or martial art) 2. Financial Management 3.Basic human, social psychology 4.Atleast one Hobby or Art

@kashutosh9132 6 месяцев назад

@@vikastulsi Aapko in me se kyaa kya aata h? Aur Kahan se sikha?

@vikastulsi 6 месяцев назад

@@kashutosh9132 mein bhi tho isi educational system ka product hun 😄

@BhartiPuri 7 месяцев назад

Really good episode, specially supporting 2 kids it’s hard to save up. Specially Iiving in metro cities.

@gomzify 7 месяцев назад

So genuine and honest video … appreciable guests … keep sharing and help us learn collectively … 😊

@toomuchpoop450 7 месяцев назад

Not hating but they need health advice more than financial advice. They don’t look early 40s. Invest in health/gym/nutrition instead of SIP.

@adityaanand. 7 месяцев назад

The Sir Looks Like he is around 48-50 (My father is around that and I can say he is not 42) TBH their expenses are legit, not outrageous except for the high education fees and some Travel expenses.

@ashutosht10 7 месяцев назад

Exactly. Both of them lied about their age it seems. No where they look like 40-42.

@abhyudaydaharwal1589 7 месяцев назад

their elder son is almost 18 year old so, how their age will be be in 40s

@monishasekar4716 7 месяцев назад

@@abhyudaydaharwal1589My father got married at 24 too!!!

@m2gautam 7 месяцев назад

Their son is 16yo and he’s 42. That’s very much possible.

@sylvianblade75 7 месяцев назад

He looks more like 70. My dad is 66 and looks significantly younger than this dude.

@samirbhalerao5579 7 месяцев назад

It's not how much you earn. It's how much you keep. Please read and implement "from the rat race to financial freedom "by Manoj Arora. It will help a lot with financial literacy. Another action book is "11 principles of financial freedom" by Nandish Desai. It took me eight years to implement.

@bhandarishrey2 7 месяцев назад

Why you interview only Job people who has a fixed salary at end of every month?? I think you should interview Businessman, entrepreneur, startup founders, etc who’s monthly income is not fixed. How they manage there expenses and do financial planning.

@Fitkick45 7 месяцев назад

Man ! I am 45 and this guy looks like my Uncle at 42.

@msdadsfsx 7 месяцев назад

u also look like uncle

@Fitkick45 7 месяцев назад

@@msdadsfsx Ha Ha Ha...I can feel that jealousy in your tone and I love it 😂

@whatever3041 7 месяцев назад

You don't know the struggles of his life, so do not judge! If tomorrow life teaches you a lesson then you will also start looking like 65 at 45 age.

@redliningchaitanya9338 7 месяцев назад

@@Fitkick45Sir, In general, looking less than your actual age doesn't necessarily mean you are handsome, it just is looking younger than your age! So point mention by above person is also correct, that life struggles are different for every person and along with that I have put my point! So be humble!

@Fitkick45 7 месяцев назад

@@redliningchaitanya9338 Where has the word handsome come from and who is talking about features ? Not me. So at least talk relevant when you comment. Don't do it just for the heck of it, kid.

@mdsuhel597 6 месяцев назад

They are looking 55+ not 40 years old 😅

@RaushanKumar-dd9df 2 месяца назад

Tu bhi tension le, tu bhi dikhega 60+

@chiragsharmaYoutube 8 дней назад

@@RaushanKumar-dd9dftension nhi they are eating the wrong food

@therevealer672 7 дней назад

Its there genetic problem bro, that kid he said is 16, look at him he looks like 25.

@rudrakshjoshi5319 4 часа назад

Because of they are healthy

@rameshsharma8087 7 месяцев назад

My suggestion is to sell the Jaipur flat, and put the money in corporate bonds yielding 10%+ for the son's education.

@mithunk5473 7 месяцев назад

Can u suggest one such bond

@shasankv85 7 месяцев назад

Adorable family, good salary and already grown up kids , they are doing petty well according to me.

@kissekahaniorshivam 7 месяцев назад

This is an amazing series sir. we learn a lot from the people's mistakes, that are actual and viable and we can improve by learning from their mistake. *small suggestion is that please try to bring all kinds of income group families into the videos.

@rohitshindevlogs2998 7 месяцев назад

Huge respect for honesty ❤

@preetishkumar3056 7 месяцев назад

from which angle they look like 41 years old ig they are much older and hiding their ages

@chigdil 7 месяцев назад

Ya, I was also thinking the same for the gentleman

@umeshgolla2730 7 месяцев назад

Yes even i have some doubt

@SumuEntertainmentandGaming 7 месяцев назад

age is just number lie or dont lie it doesnt matter ,just ignore

@Newage-ed7er 7 месяцев назад

My friend had no hair in class X. Dumb people used to think that he was in his 30s

@ashutosht10 7 месяцев назад

Exactly they look to be in 50s

@akshaykhandelwal1152 7 месяцев назад

Huge respect for this couple

@srinidhikarthikbs981 7 месяцев назад

One of the most realistic case.

@amitbansal7754 7 месяцев назад

In my opinion, they should take an education loan which their child can then pay out by their earnings.

@_BSC_Cs_-BShibin 7 месяцев назад

@jsuryakt 7 месяцев назад

If they can afford to pay for education Why put the extra burden of paying 8-10% interest

@ritika80 7 месяцев назад

@@jsuryaktit's evident that they can't afford. It's typical Indian parents mindset.

@jsuryakt 7 месяцев назад

@@ritika80They have 5+L in FD and maybe other assets which they didn't disclose, parents earning less than that afford education. I'm not saying they should but they can, even I have an education loan.

@MrReachashish 7 месяцев назад

Nope bad idea.

@metazillo8849 7 месяцев назад

Respect to parents ❤

@gnes04 7 месяцев назад

18:22 that zoom in on his shock I died 😂😂😭

@PerfectPill0ws 7 месяцев назад

Would love to see Anshuman do an in-depth audit podcast like Caleb Hammer. It would provide valuable insight from the Indian perspective

@financialninja3180 7 месяцев назад

Caleb only brings “lukkhas” on his show. It’s an entertainment show, not a finance related one!

@rahuldeovatsa 7 месяцев назад

Dear Prof. Uncle and Aunty ji and also Anchor Ji, please also include discussion on regular health checkups as obesity, diabetes is very common in India, specially having onset in middle ages. Financial planing is important but regular health checkup is must!!! Be slim and fit.

@drvarunkumar5119 7 месяцев назад

Hats off sir and ma'am for being so honest and sharing.....there experience

@CS-si8kl 7 месяцев назад

Why is the flat in Jaipur not on rent. That would be a suggestion from my side to get some extra money. This is assuming that the flat is currently not being used by parents etc.

@joeljacob1522 7 месяцев назад

Genuine couple, both have a very cute smile and are cheerful! Wishing you all the best in your financial goals.

@samradalpha 6 месяцев назад

Such a sincere and sober couple. This is real India. This is real hard working India. Keep it up. Kudos to couple for sharing without any shyness. Keep it up. You both inspire us.

@surjendusengupta9360 6 месяцев назад

I feel amazed to see the guy... He is just 6 years older than me...Also he has a 16 year old son... I just amazed at their responsibilities in life so early on... Just hats off!!!!

@PavanMehta 7 месяцев назад

why can't Fd be called an emergency fund in that case

@lakshmi3744 7 месяцев назад

Yes,Ayushman pointed it out

@curioussaroj3983 7 месяцев назад

Having health Insurance and Emergency fund are the most important thing

@deepeshsao1008 7 месяцев назад

Education cost in Bharat has to go down else most of the middle class parents would not manage to save much and shall struggle till they become old to manage ends meet. A middle class family parents are always trying to ensure quality education for their kids. Now here quality education has been limited to expensive Private schools/ college which does not gurantee job or innovation. Unless a kid shows signs of being a bright kid in academics, we should perhaps not waste a lot of money in expensive colleges at all. Instead, parenst should try n build around some sustainable business or supprt the kid in developing skills which can make money in future for them. My personal take.

@contacttoakhil 6 месяцев назад

This is the ground reality of those 40 5o lakh packages in IT also. After tax deduction one gets arounr 2 to 3l per month and for middle class in metro this is very difficult to survive. Health and term insurance is a must in today's times.

@prashantchiku 7 месяцев назад

I see myself in the same situation after 10 years Plus more risk over job as tech is becoming brutal on number of jobs

@krishnaschauhan4013 7 месяцев назад

बहुत शानदार कपल और उससे भी मजेदार और इंटेलिजेंट इंटरव्यूअर । Honest people, how cool and clear they are . Best wishes.

@srinivasanranganathan3468 7 месяцев назад

2 lakhs per month money is not enough in Delhi, because the cost of living is very high in Delhi. They need atleast 5 lakhs to make it easier and comfortable. At the end of the day, every rupee counts!!! 😢😮😢😮😢😮😢😮😢😮😢😮😢😮😢.

@jasbeatz1215 7 месяцев назад

A large number of people still opt for academia oriented careers, when the fact in India is academia doesn’t pay at all. The amount of work these guys must have put into their education, and at the same time delaying the income growth of a professional career is reflected in their finances. You just can’t afford kids, especially if you’re in academia.

@Toto2i 7 месяцев назад

Forget Finances, they need to focus on their health and fitness first. They look like 55-60 year olds at age of 42. Even metabolically they both need to course correct.

@007vissa 6 месяцев назад

This was very insightful. I would like to thank the couple for sharing their finances. For 17 years of career, they deserve more but even after multiple pay commissions, teaching professionals earn less than their counterparts in other industries.

@samans4202 7 месяцев назад

Sooooo honest and humble and down to earth couple . Wish you all the best

@earntotrade6030 7 месяцев назад

what about retirement ? how to manage after retirement is the most important question . Now a days job security is a myth . No one knows how to survive after job is finished . Even I dont know :( please suggest

@chairpants 4 месяца назад

If you are Greedy, no amount of money will be enough for your retirement. Or else, even modi jis 1500 is good enough+free ration. Lol.

@Pupi-hz3js 6 месяцев назад

They're very humble. We need this kind of people more.

@YOUTUBE_AMERICA 7 месяцев назад

Believe me 2 lakh s month is way more than enough

@sumukhbhupalam5823 7 месяцев назад

Yeahh actually currently they r not making 2L. It was still 1.75 and 40k goes for emi and rent. So i would like to say till this point their actual income was 1.35L . If u hve own home with no liability then 2L u can like a luxurious life.

@YOUTUBE_AMERICA 7 месяцев назад

@@sumukhbhupalam5823 step 1 : EMI = Fools choice Step 2: remember step 1

@nareshkambli1972 7 месяцев назад

Note :- His first son was born at the age of 25 & 2nd son at the age of 30. So marriage at the age of 23/24. In Mumbai .. Men gets married at 29 to 32.. & father at 31 to 33... So Girls in Mumbai seek financially well settled Man. 😮

@user-kn4ir9cb4x 6 месяцев назад

This video is a eye opening for me. This depicts the scenario of a family living in cities and measures to be taken to lead a safe and secure lifestyle😊❤ I wish several such families come forward and share their experiences so that today's youth understand the importance of financial literacy.