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00:01And then I ask him, how much does he think he needs to retire?
00:05How much?
00:06One crore.
00:15Oh Sharan, you're such a finance guy.
00:20What do you mean I'm the finance guy?
00:23You know, you're financy.
00:26I don't know, you said it.
00:28How the hell am I the finance guy?
00:32Is it because I help you save and invest your money?
00:35Or is it because I reveal secret hacks to save your taxes?
00:40Or is it because I help you plan and save for an early retirement?
00:45Because I do!
00:46I am the finance guy and you can be one too.
00:49With my two hour masterclass, I teach everything about personal finance for just 4.99 rupees.
00:56So what are you still waiting for?
00:57Now, click on the sign up button to reserve your seat and I'll see you live to transform your finances.
01:04What is your income?
01:05So it's around 5 lakhs.
01:06Joint income, you and your wife both.
01:08You and your wife combined make 5 lakhs a month.
01:10Yeah.
01:11And you're spending 3 lakhs.
01:12Yes.
01:12So 2 lakhs is surplus then, correct?
01:14Yes.
01:15But if I include EMIs and all, that would come to a lakh which is surplus.
01:19Right now, I have EMIs which are car and home both total up to a lakh.
01:23Wait, 3 lakhs of expenses does not include your home loan and car loan?
01:26Yes.
01:27What kind of lifestyle are you leading here?
01:283 lakhs?
01:29You are living in Bangalore.
01:29I also transfer some money to my parents.
01:31So I'm considering that as expense.
01:33Got it.
01:34Got it.
01:34Fair enough.
01:34So currently, you have a surplus of 1 lakh, correct?
01:37Yes.
01:37Yes.
01:37And you have 1 crore worth of savings.
01:39What is the monthly expense that you need to consider yourself financially independent?
01:432 lakhs a month.
01:44Perfect.
01:45Let me just do that quick math for you.
01:472 lakhs a month and your current age is 36.
01:51And then 45 would be your retirement age.
01:54I'm gonna assume inflation for you is, let me put 6%.
01:57So that is saying that your lean fire number should be...
02:02I want you to prove to me because you make all these big claims.
02:06You've done these free vacations, free trips and all of those things.
02:09I wanted to do the Hong Island tour.
02:11I booked it through Accor's Concierge.
02:13Billed it to my room.
02:14About 10,000 rupees for that whole tour.
02:16Then I booked a spa.
02:17All of that paid in points.
02:18Somebody who is earning 6-7 lakhs per annum.
02:21What can they do where they can take an international vacation for free?
02:24You should first get a...
02:26Tell us why this is the best freaking credit card in India right now.
02:29So for example, now I'm doing a team off-site.
02:32We booked an Airbnb or a villa.
02:33Costs about 20,000 rupees.
02:35I can get 7,200 points back.
02:37Now if I transfer them to Accor, what is the value?
02:4014,400.
02:41So 72% returns.
02:43What?
02:43I've never heard of this ever in my life.
02:45So now let's get to best credit cards of 2026.
02:49So there are three credit cards in this segment.
02:52And these cards are...
02:58I've never heard a story like this of a trader before.
03:01Former software engineer left phone pay and then turned 7.5 lakhs to approximately 15 fricking crores in two years.
03:09The lowest point of my account was 7.6 lakhs.
03:12In a month, it went from 7.5 to 11 lakhs.
03:14Over three days, I actually made it around 2 CR.
03:17I just bought puts.
03:18Okay.
03:19Way out of the money puts.
03:20It could have wiped out your capital if it went in jail.
03:23Yeah.
03:23I have bet like say around 7 lakhs in options, which could go to zero if I'm wrong.
03:27I was like at this point, the opportunity cost of staying out of the workforce is more.
03:32Like I might as well like do one last thing.
03:34If it works, it does.
03:35Otherwise, I'm going to a corporate career.
03:37Then I switch to like individual stocks.
03:40Like now go back to save strategies.
03:42Okay.
03:42Rupee has hit record low.
03:43Oil prices are skyrocketing and markets are in freefall.
03:46No one knows what could happen next.
03:48It's all very confusing.
03:49I know.
03:49But that's why you have AI.
03:51So I simply put in this prompt in Claude.
03:53And using the gamma connector, it gave me a detailed deck.
03:57Oil could rise to $120 to $150.
03:59And every $1 increase adds 16,000 crores to India's import bill.
04:03Markets didn't take this well.
04:05And 12 to 18 lakh crores of Indian market value was wiped out.
04:09But historical data suggests that Indian market crashes during geopolitical shocks have
04:14often been followed by strong medium term recoveries and great returns.
04:18Mid cap and small cap indices also outperform even more sharply.
04:21rising 218.5% and 248.1% respectively during the post.com recovery and CapEx cycle.
04:29After a muted 2025, Indian markets are expected to see a potential turnaround in 2026.
04:34I know markets are volatile right now.
04:36But experts say earnings growth is expected to accelerate and that could drive the markets higher.
04:40But for now, track the Brent crude prices and wait for the geopolitical uncertainty to settle.
04:45Come and toy and I'll DM this PPD to you.
04:47And follow my man, Finance Rishad.
04:49You started with 2,000 rupees SIP.
04:50You retired at 39 with 5 crores.
04:53Today, what is that money?
04:54Today, a portfolio of mine would be in the range of 10 CR.
04:56Oh wait, in three years you've doubled that money.
04:58Yeah.
04:58Can you give us a step-by-step framework on how do you actually approach investing?
05:02First, three questions you have to answer.
05:04Why do you need the money?
05:05When do you need the money?
05:06How much money do you need?
05:06If you look at which index has performed the best over the last 20 years,
05:10Nifty 500 has never topped the chart.
05:12So what has topped the chart?
05:13Majority of the times, your momentum fund and **** are the toppers.
05:16Do you own a house today?
05:18No.
05:18You don't own a house?
05:19Yeah.
05:19I listened to Sharon one day so I decided not to invest.
05:22Funny thing is that you've been in real estate your whole life and didn't buy a house.
05:25That's how you actually attained retirement at the age of 39.
05:35I think for companies it's not pleasant.
05:38It's pretty harsh.
05:39It's pretty quick.
05:40Often founders are sort of not super happy with us afterwards.
05:44That's Sam Altman, founder of OpenAI, former president of Y Combinator.
05:49Telling you to your face that getting into YC is brutal and he's not wrong.
05:54YC gets over 20,000 applications every single batch.
05:57They accept less than 1.5%.
05:58But the ones who do get it, they build Airbnb, Stripe, Dropbox, Misho.
06:04YC alumni have collectively built companies worth over 600 billion dollars.
06:09Getting into YC is arguably the single biggest unlock for any founder anywhere in the world.
06:14But for Indian founders, the odds have always been stacked against you.
06:17Most spend years preparing, applying, getting rejected not because they can't build but because they never got the right shot.
06:24And that's why what's happening in Bangalore right now is a once in a generation moment.
06:29For the first time ever, Y Combinator is bringing startup school to India 18th April.
06:35But on the sidelines of that, YCon India is happening on 16th and 17th April.
06:39And this is the real opportunity.
06:41YCon is identifying the top 300 builders in India through a selection process.
06:46You don't just walk in, you earn your spot.
06:49And the winner gets a direct interview for an upcoming Y Combinator batch.
06:53No application queue.
06:54Top 3 also get $5,000, $3,000 and $2,000 in cash.
07:00Plus investor roundtables with judges from YC, Lightspeed, Razorpay and Emergent.
07:05And honestly, just being selected as one of the top 300 builders in India is already a signal.
07:11Sam Altman told you the door is hard to open.
07:14White Corn India is giving you a key.
07:16If you think you belong in that room, apply.
07:19And the link is in my bio.
07:21People who are not even Karodhapathis are facing litigation problems through, you know, marriage separation, divorces.
07:27So how do somebody like that protect their wealth?
07:29To protect money and the wealth, a lot of clients create trust.
07:33So that if tomorrow there is a case that is happening, you know, my wife leaves one of my sons
07:37and says,
07:38Boss, Aluminate, make money. You've seen, there are so many cases in the media, right, today.
07:41But if it's gone through a trust, okay, he's just a beneficiary of that money.
07:45You cannot touch the money because the money doesn't belong to him.
07:47He's just one of the beneficiaries. The money belongs to trust.
07:49That is why if you see all these wealthy clients have moved all their assets including investments and real estate
07:54assets under a trust.
07:56The trust will do the investments. The trustee is the main guy.
07:59But I could have made my wife also beneficiary, you know, to the trust.
08:01Yeah, you can make your wife.
08:02But then she can't claim money from the trust if she's a beneficiary.
08:05She cannot. She can only get what it is. That is why all these things are happening.
08:08So I define the rules of how much money I get from you.
08:11100%. I am the main guy. My wealth, my son, one of the wife divorces, she cannot claim because everything
08:15is in trust.
08:15It doesn't belong to him.
08:16He's the beneficiary of the trust. He's one of the receivers of the trust.
08:19Succession planning is very, very critical.
08:23Gen Z's. Going on a vacation that they can't afford, take a loan. Buying an iPhone that they can't afford,
08:28take a loan.
08:28Typical mistake which young people tend to make is that they get into using the credit card or debt as
08:34a proxy to living a great life.
08:36When you see an iPhone, you remember the debt. At least you should put aside 10% of whatever you're
08:42earning.
08:42And then slowly hike it up to up to 30%.
08:45Somebody who is in their mid-30s. What are the mistakes that these guys are making?
08:49Acquiring a house very early in life is not really a great idea.
08:53When would you say is the right time to buy a house?
08:56Yeah, so one of the mistakes people do in the retirement phase is help their children.
09:00They gift away that money to their children and even assuming you really have taken that call, have your name
09:05in that house.
09:06A retirement 15 years, what is the formula you should apply to know, okay, if I have this corpus, I
09:11can quit my job and live off this savings until I'm 90.
09:14If you have, let us say...
09:18Hey Dad, can you give me 50,000 rupees?
09:20For what? I want to start my own business like Motabai.
09:24Motabai?
09:25You got 67% in 10th standard board exam.
09:28Useless boy, go study!
09:30Hey Dad, I just finished my degree.
09:32Can I get 5 lakhs for my startup?
09:345 lakhs?
09:35First you go find one job.
09:37Ambani Bane Guide Sims.
09:39Have you seen your face?
09:39Dad, I have finally saved some money.
09:42Now I want to quit my job and start my own business.
09:45Now you want to quit?
09:46Seriously?
09:47Dad, bro what?
09:48With this attitude, do you think any girl will marry you?
09:51Huh?
09:52Ambani started early, not like you.
09:54My entire life you told me to get a job.
09:56Business is risky.
09:57And now all of a sudden, you want me to become Ambani?
09:59What the f-
10:01You talking back to me?
10:02I am not asking for Babka Paisa anymore.
10:04This is 2026.
10:06Starting a business, doesn't need 5 lakhs anymore.
10:09Then how will you-
10:10So earlier, I needed multiple apps to plan, build and manage just one idea.
10:14But now with Hostinger, I can do all of this seamlessly in a single platform.
10:18It's not expensive.
10:20I don't even need coding skills.
10:21I just need to describe what I want.
10:23And the AI builds it for me step by step.
10:26So guys, I can't change what my dad did 10 years ago.
10:29But don't make the same mistake now.
10:31So go to hostinger.com and get 20% off on almost everything.
10:37AI builder, website, domain, everything.
10:39What are you waiting for?
10:41The link is in my bio.
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