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సాయి గారు 55 to 60 years మధ్యలో రిటైర్ అయిన తరువాత మిగతా జీవితాన్ని దేశం కోసం ధర్మం కోసం సమాజం కోసం అంకితం చేయాలి.జీవితాంతం ధన దాహంతో ధన వ్యామోహంతో జీవితం గడపకూడదు.మానవ సేవయే మాధవ సేవ,అవయవ దానం చేయండి పునర్జన్మ పొందండి.జై భారత్ జై జై భారత్.
I am 31 now and already reached 50% of FIRE, targeting to retire by 35. I will chose a peaceful job in my home, i have teaching experience in the past. I will be mentally dead if i work in IT for 40 above.
@@Amarnath0880 from last four years, I am spending only 20 to 25% salary, making sure every month I am keeping 1.5lac aside from my salary to achieve fire, Also, i do swing trading with 15Lac capital. Remaining amount i put in FD with 7.75% interest.
సాయిగారు అన్నిజాగ్రత్తలూచెప్పి అసలు విషయం చెప్పడం మరిచిపోయారు…. మీరన్న గోల్స్ అన్నీ పూర్తి చేసుకొని 40 ఏళ్లకే fire అయినా ఇంటివద్ద ఖాళీగా కూర్చొంటే పెళ్లాం చేతిలో మూడుపూటలా “ఫ్రై“ కావడం ఖాయం 😅😅 …కాబట్టి ఏ ఈడుకి ఆముచ్చట65 దాటాకే రిటైర్ కావాలి
I agree your last 5 minutes of discussion - we should occupied for something for day time. i'm retired by force due to my family member death and even though i have good corpus i should feel like i should work for mental stability. thanks for video SAI garu,,
There is so much buzz on this topic these days. It’s always good to be financially independent but retiring early is not a great idea I think . Thanks for adding diff perspectives/ real time problems of it . Thanks Saigaru.
@@50cents44 RE doesn't mean , you will sit idle post retirement. Its gives flexibility to be out of rate race and act as per liking. One can travel, work with NGO, teaching, farming etc
Retirement doesn't mean you don't do anything, you will have hell lot of time to do what ever you want , go to dance classes, learn music, hit the road , trading etc..
Wonderful Sai Anna super and so genuine thoughts about financial freedom. Anna pedda dandalle neeku. Na age 33 already sagam jeevetam ayepokotesyanu. Career start chesinapudi meeru dorki unte matram nen laksha adikari unde Vanni I guess . But thanks alot Anna and money perse team. Chala helpful 😊
Very well explained. 1. Health uncertainity, kids education and family functions, Travel, peer pressure ...lot many things to be covered as part of the FIRE ideally. I believe we should get the number and get the same generated through passive fixed income source. And handle the volatility with other investments !!
Indianised version of Financial Independent Retire Early (FIRE) must be Financial Independent Reduce Stress (FIRS) Financial Independent Assert Yourself (FIAY) Financial Independent Eliminate Stress (FIES) because early retirement will bring lots of stress. Asalkey manam stress sidha hastulum (icons). Old ayi opika untadi ledo malli world trip okatey Manaki takuva. Dialoguelu manaki korathey ledu
Hello Sai garu and team..thanks for this informative video. I watched this video some times..I entered values in the fire excel and got a positive outcome.. But agreeing to what you explained in the video, this FIRE concept is not fool proof and there are too many loopholes in the concept to take it seriously. For now, I would still keep the values in tact this year..and revisit the sheet every year and see how this calculation stays inline with practical/real life situations here in India.
Present chala members video ni open cheyakundane chusthunaru dhani valla youtube channel vallaki income radhu because ads play avvavu ga so Na assumption correct ithy 1.25x speed lo chudamani cheppadam oka trap dheni valla viewers video open cheyalsivasthundhi so appude adds play ayye meku youtube income generate avuthundhi Best planning
Excellent thank you so much brother ❤ if any person wants to lead spiritual life after retirement then only FIRE is suitable otherwise consequences are painful
Sai garu and team. Your efforts to educate both upside and downside and adding Indianize touch to it is truly amazing. Stressing on the downside and other factors is most important in any of the finance planning concepts and your presentation on it is commendable. Please take a bow team. 👏 👏
Hi Sir every thing is crystal clear, just a small doubt current investment daggara monthly entha invest chestunnamo enter cheyyala (or) yearly entha invest chestunnamo enter cheyyala (or) ippativaraku entha invest chesamo enter cheyyala??? I humbly request you to please clarify. Thanks in advance same concept ki chala mandi money thesukuntaru.... YOU GUYS ARE AWESOME
Sai Garu please do one video about EPF higher pension option is Good or Bad..please do some Research and make a video..This video will be helped to lakhs of employees..Dont forget...Hope you will start research immediately
Video is fine, Sai anna. Actually, FIRE concept is a bit flawed. Not just lifestyle or kids education, a lot of other expenses are not covered in these calculations. So, FIRE pakkana pedithe, we need to calculate the expected expenses each year, till we turn 60. This will include kids, lifestyle, appliances, travel etc. Calculate it using 6% inflation. Then back calculate the present value of money. Now, chart a course of desired income and desired investment journey. Ila aithene we will be FI. I figured it all and the excel is of almost 20 sheets. Konchem complicated anipistundhi, but okkasari chesukunte terrific ga untundhi. Also, look out for lean FIRE, Fat FIRE, Barista FIRE etc. Levels untai ee FIRE lo.
Sai garu.. good explanation..Good work.. Don't bother about other financial influencers. Thank you sharing your knowledge.And I had been following your channel since you started your channel.
There is nothing called retirement, you will do this or that, Paid or not thats all it is , Financial freedom is to do what you love to do , it not for not to do anything :)
Impressive Sai garu. Thx for taking time and making the .xls file. Indeed very useful. It would atleast give us some idea about how much fund would be required for retirement devoid of other aspects which are unaccounted for as you have alerted us. Three Cheers to you and your team.
Thanks for the informative video Sai garu and MP team. Please take the below action: Please add a column for the Lump sum money one would have or will get in the future. Thanks once again.
Problem in the Excel calculation is that, I don't invest all the remaining amount other than expenses. Instead it is better to provide an excel which provides the user to enter his annual investments and annual increase in investments.
There are too many ifs and buts in FIRE concept...So keep working till 60 years and live life happily with a balance between enjoying and strict saving
Key here is balance. With the current corporate culture, it's becoming very much difficult to maintain work life balance, hence the FIRE concept Key here is balance. With the current corporate culture, it's becoming very much difficult to maintain work life balance, hence the FIRE concept
SAI GARU Miru emi anukonante oka genuine feedback .. Miru koncham gattiga matlanandi, Mi voice mi (blue yeti mic) mic ki reach kavalikada... mi pakkana unna person laaa koncham gattiga matlanandi.. kavalante 2:26 lo chunandi mi voice ki bro voice ki thedaaa.
Sai garu, excellent points to be remembered on the drawbacks. Started following your channel recently and liking your videos day by day, thank you very much for sharing your knowledge with everyone.
Getting Scared About After Knowing All Of These One And Only Main Support Is Income ( It Is Backbone For All Of These ) So, Increase Your Income Constantly & Start It Early If It Is Not Yet
Sai garu, also make a video on post retirement life style. When I visited US, I came to a statistics as the retired people are dying early, if they are not working or keeping themselves busy.
But education inflation is more than 15% and health inflation is 10%. The inflation of 6% stated in calculation has spoiled the calculation. If we use realistic inflation, then we may not be able to retire. May be each individual should fend for self. Nobody depends on any body
This calculator is exclusively for your retirement. Its already mentioned in the video, for kids and other expenses, you need to do alternative arragements
Hi Sai anna. Thank you for all your efforts to give us financial knowledge. Can you please do a similar video for people who are living in abroad and want to retire and comeback to India at an early age? Please consider my request.
Thanks Sai garu... I got answers for my questions on this.. when I was first heard about on other platforms I was very much impressed but when I was thinking I got few queries now you covered in your video by stressing the RE.. Thanks for that..
40 years retirement thought is very bad now a days. Everyone is seeking to do some work after their retirement. If you have any doubt conduct survey with retired people.
FIRE doesn't mean , you will be idle after retirement. Just you would be out of the rate race and do the work you enjoy the most, be it completely free or for nominal income
@@Amarnath0880 I'm an NRI andi, though it's not my present expenses but for future purpose it good to know the figures...that's where I tried with imaginery values although I knew its not accurate...
@@mounikareddy6873 Good to know. Yes,, being an NRI you need to consider higher multiple . 25/30 multiple won't suffice as being an NRI you are accustomed to a particular life style
Anna nenu ipude stock marketing gurunchi telusukovali anukuntunaa.....meeru eminaa training provide chestaraaa...pls anna....am doing software job...am interested in stock market...love u sai anna...❤❤❤
My suggestion 30 % Market, 40% fd or 30 gold & real estate lo oka 2cr investment chesta least return 9% expect chesina.we will achieve financial freedom Anna.
Total any crore unte 30% 40% 30% Lo invest cheyavacchu Inni crore etla vasttyi Job chesi wastada? Cheti lo 80000 vasthe qarchulu 40000 vellipothe monthly 40000 ante yearly 500000 save chesi 20 years lo 1 crore avuthadi Present age 25 inka dabbulu save chesina age 20 total 45 years lo 1crore malli Illu epuudu konaali? Gold lo epoudu invest cheyali, Market lo epoudu invest cheyali Meeru mahaanubaavulu sir 😢😢😢😢😢😢
My current salary is 50k per month(I spend my salary for expenses, savings and other). If I want to retire after 12 years, i need to have 1 lakh rupees with me considering 6% inflation. So capital I need is 1 Cr to get 1 lakh per month, considering 12% rate of return (1000000 *12% = 12 Lakhs) Its that’s simple. Why you guys made this concept so confusing 😢😢 Note: I have not considered: LTCG tax
Hi bro I am big fan of yours, thank you for sharing your knowledge, you gave us very good financial knowledge with a good and smart thinking. Thank you for your support, coming to the point 8lac or above per annum antey kastam bro. Ma laga 3lac to 4 lac per annum vallaki kuda oka manchi video's chey bro. which includes retirement scheme or how much corpus should be built for retirement by 55y, financial independence, children educational expenses, investments like these. Koncham mamalani kuda pattichiko Sai bro.
మీ రిటైర్మెంట్ కి ఎంత అమౌంట్ కావాలో , మీ పిల్లల చదువులకు , పెళ్లికి ఎంత కావాలో పక్కన వాళ్ళు చెప్పలేరు. అది మీరు డిసైడ్ చేసుకోవాలి. డిసైడ్ అయ్యాక , ఆ అమౌంట్ ని ఎలా achieve చెయ్యాలో ఆడివిసోర్ ని అడగాలి.
@@udaychadalavada. మీ రిటైర్మెంట్ కి ఎంత అమౌంట్ కావాలో మీకే తెలియకపోతే పక్కన వాళ్ళు ఎలా హెల్ప్ చేరతారు. ఉదాహరణకు, మీరు కార్ కొనాలని అనుకోని అడ్వైసర్ దెగ్గరకు వెళ్లి ఎంత అమౌంట్ కావాలి అని అడిగితే, ఆయన 10 లక్షలు అన్నాడు అనుకోండి, కానీ మీరు కొనాలి అనుకున్నది BMW. సారిపోతాయా, 10 లక్షలు?
@@Amarnath0880 na vudesam yentantay, let say na pillala medha aadhara padakunda brathakalantey oka certain amount kavali, aadhi na mind lo vundhi, oka middle class family yentha amount built cheyali aani, deeniki inflation, unknown expenses, oka certain age vachey sareki medical expenses which was not covered by insurance, regular expenditure ect,. Ma mind 3cr aani oka figure vundhi, but aadhi nenu chepithey, na way lo calculate Correct or kadhi Naku teliyadhu, meeru chependi kuda correctey, oka figure cheppalisindhi.
Sir..meeru 40years lo retire yela kavalo chepparu baane undi...meeru concentrate cheyyalsindi..40 years datina valla meda...vallu atleast 60 years ki finance freedom to retire kavalante adi cheppandi........please oka video cheyyandi ..endukante 40 years above unna vallu society lo ekkuvaga unnaru...
