Asking Him How He Retired Early With 12 Crores 

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I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for...

This man is so wholesome. He has so much clarity in life and probably that's why success found him ❤

This is my fifth year after retirement. I’ve been following the 4% rule thing, but this isn’t really how hard I expected things to be. I still have about $460k to invest in stocks. Pls how do I take advantage of the market turnaround?

12 cr. If anyone was able to generate 10 % post tax. 1 cr per year. Even after taxes,it's insane amount of money for most Indians. Congrats on early retirement. Thanks wint wealth

I respect him for his honesty. He clearly admitted that early retirement is not the best solution for your carrier related problems and can lead to few other problems as well.

Kudos to the interviewer to not interrupt anywhere, ask sensible questions and keeping it so simple unlike others! 🙌

“Clarity” is what this man possesses. That is a highly underrated feeling to posses. Doesn’t even blink an eye to tell what and why he has done and even explains it elaborately. This was a much needed video!

Petition to get the guest to make his own RU-vid channel. !

His view point on retiring early is so authentic. Nice interview.

What an amazing guy! Honest breakdown of the decisions he has made - a rare thing these days. Zero fluff, only clarity and substance.

High prices for everything have severely affected my plan. I'm concerned if people who went through the 2008 financial crisis had an easier time than I am having now. The stock market is worrying me as my income has decreased, and I fear I won't have enough savings for retirement since I can't contribute as much as before.

THIS was one of THE MOST eye opening talks I have watched in a long long time.Ravi Handa was so genuine, sincere, and very realistic with so much CLARITY.

The most clear, insightful and honest video I have seen on RU-vid.

We are on the same path. Today I am 55 , and I retired 13 years ago at the age of 42. And I am really enjoying my freedom and emptiness.

May God bless this man with even more abundance, peace, and fulfillment from life. Amazed by his honesty ❤️

This interview is gold. Not the 12 crore part, but the perception this man possesses !

Most of early retirement guys I have seen (only on RU-vid) , have some how stumbled upon a jackpot. Handa sir himself explains how he would be living if he was in Bangalore, but Unacedmy acquired his company which payed him awesome liquid cash which inturn opened this retirement pathways. Same goes with Other guys like Sharan who craacked RU-vid and earned tons of money in short span of time. You will not find a 9-5 guy no matter how much senior he is (earniing crores) is retired. It only happens when you make tons n tons of money in astonishingly short span of time which then allows you to not work at all!!!!

Okay, this guy was one of the top 0.001% earners in India, that's why he was able to do it, most of his advices are for top 3% earners of the country. I think most of us not only don't have the option to retire early/change careers/change countries but we may have to work in horrible conditions for longer than our retirement age, what only can solve the problems are strict labor laws and workers unions in private sectors.

The social deprivation point is absolutely valid, seen this first hand myself (moved jobs, earned more but didn't have a manager title). Thanks for the honest and candid discussion.

I thought this just like other interviews where he boasts about himself and his business etc but he is genuine, happy soul with a great clarity.

The candor in this interview was refreshing. A pleasant surprise to see someone open up about their net worth and share actual numbers instead of talking in platitudes.

Bhai sach mein bata rha hoon itni straight forward video , maine poore youtube pe nhin dekhi, mtlb video starting mein hi seedhe point pe aa gye tum that's the thing audience want , seedhi baat no bakwas

I am not a person who leaves comments regularly on RU-vid videos. But, the honesty shared by this person needs huge admiration. Very clear opinion with very genuine reasonings at the end. Most of the interviewees usually justify their actions without discussing an honest internal reflection. However, this guy has won my respect 100times. He should keep on teaching at least on RU-vid. People like him are rare in these times of self focused social media.

Wint Wealth is really pushing the boundaries of finance centric content creation especially after the whole frenzy against furus.

The interviewer hasn't done justice to this interview. The energy and clarity that Mr Ravi has bought to the table was fab!

Handa sahab.. mazza aa gaya aap ki baatein sunkar... very intelligent advise, early retirement is not the solution, financial independence is

Is se zyada sincere interview dene wala kabhi nahi dekha.

He is very frank with his financials. Appreciate it

The best interview I had ever seen. Thanks to Wint Wealth for finding out such a veterans who had a lot of experience and knowledge.

Such an eye opener. Amazing thought clarity and it was almost like a big brother giving a lesson for life.

Very admirable honesty from both of them! Thank you for doing this interview and sharing it

Wint wealth is doing great job finding these veterans and giving different perspectives on money making and financial sustainability. But at the same time, revealing themselves about their perspectives and clarity about good businesses and finance. I could see the founders have good vision on how to expand their business and I see much more things unfolding from them. They have earned my trust.

One of the most insightful videos I ever watched.

After a long time I am seeing someone explaining his financial journey with such a great smile 😊

Sucha clarity of thought he has... Mainly sticking to the decision taken in absolute clarity

Money never last…. My neighbour is a farmer own a small piece of land and i never seen anybody more happy than this guy. He’s on pinnacle of wealth. Long lasting happiness.

He was my teacher at IMS kolkata..back in 2008..so good to hear him again

most honest interview i heard from this channel , he is good

I love Ravi, he's such a down to earth person. I am in a quizzing group with him, and he also seems to know a lot of general and business trivia. Handa ka Funda was also a lifesaver during MBA prep

This man is true legend in terms of clarity of life❤

A sign of a good video is when you remember about it after 6 months and come watch it again. This is such a good interview by Handa ji. 🎉

Love the to-the-point answers. Thanks for the insights team.

Most down to earth financial advice ever heard

The point that hit me, was how clearly he said "Change the country. The majority of the career related problems that you are facing, are because you are living in India." If the people living in our country, the government and the corporates, don't do something revolutionary in terms of labour laws and R&D, then the future of India is going to be unpleasant. There will be lot many early retirements, brain drain and laziness.

This is easily one of the most sensible interviews related to this topic that I have ever seen.

The questions were really good - very simple, to the point and very useful. Great episode!

Yeh Handa sir k Aritmatic videos dekhta tha main 2012 mein during CAT preparation. His website had lot of study materials, sample questions. Those were different times. Internet penetration was low. Smart phones were not there. I used to check his video secretly from office during office hours.. I think that time he used have a French cut beard. I saw him today I think after 10 years and feels good to see. In a way he was also my teacher. His clarity on his decision is the best thing. He knows his capability, he knows his limitations and he is clear about this expectation from life.

I'm 39 and nowhere as wealthy as this guy but I have made certain changes which lets me lead a semi retired life. I was frustrated to my core while working in Accenture and I couldn't quit due to a home loan. Put down my papers at 2pm and I was offered a role in UK at 6pm. The 3 years I slogged before that, was not rewarded at all. Went to the UK and saved enough to repay my home loan in one year's time. I was offered my manager's role there as he was being moved to another account but I refused. I could've made a ton of money but I didn't want to be in IT anymore. Came back to India quit at 32. Next 6 months I didn't do anything, at all. I always wanted to do something in photography so took up wedding photography. Unfortunately, didn't work out as well as I had planned. QUit doing weddings and now do corporate photography and street photography which I enjoy. I am an avid travel enthusiast, so I travel solo a lot. Then realised I needed money. SO negotiated a deal with a company that I will work on contract basis and wont be an employee. I now get paid quite well for maybe a week's worth of work. I can get a regular job and get paid double but what will I do with that money when I wont have the time to spend. So now I spend my time with my IT consulting which doesn't take a lot of time, photography, travelling, motorcycle content on youtube. I still drive my 2010 Swift as there is no need for an upgrade. Do I want a bigger car? Yes. Do I need it? No. I have a flat which is paid for, few plots, and decent earnings. Only big expense I see in the next few years is a possible purchase of a bigger expensive motorcycle. Apart from that I lead a very contented life.

Woahhh! The clarity he possesses is appreciative..

This guy is such a sorted personality…. No big fanda… No complicated terms…. Pure honest opinion….. Worth every second…..❤

Very straight forward questions and intelligent answers too. Love the last section of questions especially

He is smartest guy I have ever met. Follow his podcast, amazing insights.

This is one of the most straightforward, simple yet the most valuable video I watched on finance. The person is great and takes life as it "should" be.

Nice Video

Everybody needs to watch this video. Such clarity is so rare.

A very honest man who makes things super simple.

As a 60 year women from Mumbai. On the death of my mother i was made aware that the finance company that was managing our portfolio had done a really bad job leaving me in financial ruin with just about enough to eek out a living. When all avenues for compensation and justice failed I had no option but to shrink my lifestyle to manage within my means. With this came a realisation that material things do not matter much. Social acceptance doesn’t matter, if u are happy with your self. The pain is when you are not able to reach out and support and help those that you did and would have continued to do so if it were financially possible. I loved your interview and your concept of living with your time well spent, I promise you will not regret it. The one aspect I found lacking was how much have you kept aside for giving ? Either thru time or financial aid. Believe me it will be the cherry on top of your cake . I respect your intelligence and foresight. I hope you have a blessed life.

such a clean hearted guy!!

very level headed and pragmatic conversation, loved it!!

such a pleasant conversation. I love the honesty in the conversations.

Awesome confidence and clarity in life Ravi. I simply loved the way you explained life simplicity👌👌Keep talking👌

Nice content, the clarity of thought this man has is really amazing. 😊

Honest, straight and simple 👍

this man is a gem ... protect him...

He is very honest and speaks the truth, I am able to relate a few problem of early retirement

Great content. Appreciate your effort. Thank you!

One of the best real interview i have seen..so much to learn in this short episode.

What an excellent interview, the best part is the last few minutes, Amazing

Hats off bhai 🙏I wish the world was as honest as you ❤

This is epic. Every ambitious person should listen to him & be grounded like him. More power to him. ❤️

By far the best video I have seen on retirement planning and retirement life, very good questions asked by interviewer

He is a very practical and logical person with a great sense of clarity. He doesn't spend money on unnecessary materialistic things

Excellent interview. Keep a track of your health too as there is all the time in the world to stay fit.

This is a wise man. He's not drowning in his ego. He's humbly explaining both sides of the coin. Very informative video. Thank you for making this.

There’s nothing right or wrong in this world, just that he has so much clarity in his mind. That’s what matters!

Excellent.Saving this video to watch again for each point explained...

What a confidential Person !! He has got clear vision and projection of life

Great series by Wint Wealth! Thank you guys. Really interesting and cool that the interviewees are also open and share so much. Great insight!

Excellent breakdown. Thanks to Mr Handa for sharing his story

A very huge portion of this interview being insightful goes to the framing of the questions. They extracted the most out of this already very wise person!

I totally agree with owning a house and it being an emotional decision . 💯💯

This man is wisdom. Would love to watch a 1 hour chat/podcast with him.

I was looking for such a content , more clearly such a person for years and he is so candid. Just loved his approach . And no doubt he is crystal clear on what life is and no doubt he could have made much more . But for what??? Kudos to this gentleman. Let there be peace with him always.

Super candid interview. Best so far

@Wint Wealth - Good content on early retirement. I hope this person realise and contribute his time now to coaching poor students who can't afford heafty fees at major institutions. This is giving back to society which have him what he intended. Thank you

I clicked thinking this is fix your finance episode from Anshuman Sharma

Fantastic interview...Thank you WintWealth 🥰🤘🌻

Most importantly, we should appreciate the Excellent piece of information shared by Mr. Handa. Finance advices in such easy form i have never learnt or heard so far from anyone till date. Kudos

Loved the honesty in the interview. He himself has provided options to consider before going down the retirement path.

Sir , I wish my parents could understood the way you are nurturing your kid. This life just gone in learning things , if I get a second chance as a human I would make my schooling days better.

This video should be tagged as an inspirational video, brilliant

Would absolutely love to see more videos like these. Please keep pushing out content. More love.

Very informative video, Sir sounds very wise and experienced i would say, Earned my respect with the way he prested fact as well as his opinions on the table

I am blessed listening this guys talk❤

He explains it very well, such a joyful personality.

Loving Wint videos! Authentic, quality and good real-people-stories.❤

Came across this RU-vid channel just now, mind blown by the content as it is giving the knowledge about the most important questions that people have today. Hats off bro keep continuing this work as it is most needed in today's time.

Finally some reasonable guy I found on social media...

This is marvellous.He will get the most precious gift in life that is mental peace 💯