00:00five years ago i was creating finance content from my mom's bedroom no fancy setup no team just me
00:06and my phone people would comment why should we trust you you're not even a ca you're not a
00:10semi-registered financial advisor and honestly they had a point i was just this corporate guy
00:15who just figured out finance the hard way and i was just trying to share my story with the world
00:19but fast forward to today i've realized something it is definitely not about the degrees it's the
00:24impact that you create it's about whether your content actually helps people make better financial
00:30decisions today lacks if not crores of indians are investing smarter because content creators like us
00:36made finance simple and now that impact is finally getting recognized kotec alternate asset managers
00:43just launched the kotec oils catalyst awards with rewards worth 25 lakh rupees specifically for
00:50financial content creators but here's the thing this isn't for people making content
00:54just for brand deals or followers this is for creators genuinely educating indians about investing
01:01and financial planning so if you are someone whose content helps someone start their investing journey
01:07then you're creating real impact so if you're a financial content creator who is actually making
01:12indians financially smarter you need to register to so what are you waiting for nominate yourself for
01:18kotec oils catalyst awards award details are pinned in the comments and the link is in my vibe daddy
01:26who will get this house when you die hey nimbawun i'm not dying anytime soon okay have you made a
01:32will yeah i have a will to slap you daddy chill please write a will to transfer this house to
01:39my huf
01:39after you die but why because i'll be giving this house for rent after you die okay so so if
01:46the house
01:47is in my name then the rental income will be taxed at 30 percentage since i already make more than
01:5312.75
01:54lakhs in a year and what happens in hf's name zero percent for the first four lakhs five percent for
02:00the next four lakhs so basically i'll be saving lakhs in taxes every year so guys with ai like this
02:07all you need is one good idea that same idea can be transformed into multiple cultures homes and
02:13languages this entire video was created using the hicksfield cinema studio so what are you waiting
02:19for one idea unlimited possibilities click the link in my bio to start your ai journey now and we're
02:27saying equals energy you made a godfather kind of an offer so what is that offer tell me it was
02:32just
02:32primarily around the opportunity to be a co-founder in a business versus being an ambassador because the
02:38brand is designed around his brand as well right so it's loud it's bold it's there it's full of energy
02:45i think ranveer has a very sharply defined brand and that was something that was very exciting to
02:50build on and he understood that as well and realized that okay that's a great opportunity
02:54he's very passionate about the space and he kind of saw that and said okay look this sounds
02:58interesting so why don't you send me what you have in mind and that's when i sent him that thing
03:02and
03:02he immediately got it and then he said okay let's speak more about that and i think the the more
03:08we spoke the more both of us got excited by the idea abibi when you coming to dubai bro i'm
03:17not
03:18coming man forget it why bro i arranged belly dances for you man what are you doing forget belly dancing
03:24bro my rupee is doing bungee jumping over here what do you mean in the last one year no my
03:29rupee has
03:29fallen by seven percent compared to the dollar how is it for you guys bro dirham respect against
03:35the dollar so for me no change also i invested a little bit of money in europe also why europe
03:40bro
03:41because euro has gained 10 percent with respect to the dollar also you don't know what which means
03:47europeans are seven plus ten 17 percent richer than me and they're already rich and get this my
03:54inflation here is only three percent my inflation in mumbai feels like 10 percent bro which means
03:59i have become 25 poorer just by being a middle class indian in a metro city in india in 2025
04:06yeah
04:06bro and i also paid zero taxes this year bro why why you do this to me man chill bro
04:12why are you crying
04:13i will book your flight tickets with my credit card points stop crying oh five star hotel also in front
04:19of
04:19burj kali for penthouse okay that also book please please guys if you don't end up like this guy
04:24then follow me and i will help you protect your money even while staying in india i recently bought
04:29a range rover this first hand if you go to the showroom it's for one and a half crore now
04:34i also
04:35know that the car value will depreciate by 50 percent if not more within the first three years if i
04:40buy it
04:40from the showroom i not only have to pay the price of the car i also have to pay road
04:44tax and
04:44registration and all of that so i'm not going to pay 1.5 1.6 crore for a car now
04:49what is the right
04:49way of looking at can i get same car which is probably three years old and driven less than
04:5530 to 40 000 kilometers so i found one and a 1.5 crore car was being sold for 60
05:01lakhs so all of a
05:02sudden i've saved 90 lakhs now comes the second thing i also paid a certain amount of the car with
05:07my credit card i get two and a half lakhs back so i saved money there also uh then i
05:12sold my existing
05:12car i sold it for probably 12 15 lakhs so my final cost of my car is not more than
05:1835 40 lakhs
05:19so from three to four lakhs monthly emi it's come down to 20 to 30k monthly emi that is the
05:24financial
05:25engineering you need to learn excuse me can i get the check please bro i'll pay my share hey chill
05:31bro
05:31it's the weekend it's my treat are you sure bro are you sure i can just be yeah i don't
05:36have to worry
05:37don't worry it's fine okay excuse me three tickets please guys let me get this one
05:42bro come on man it's the weekend it's my treat let's go give me three tickets this sharana has
05:49become too rich these days bro excuse me can you pack three of these bags for our girlfriends bro
05:54this i think seriously we should pay man come on yeah man this i think we should pay bro how
06:00many
06:00done should i tell you it's the weekend bro you won some lottery or what what lottery bro you think
06:06life
06:07works on lottery it's the magnified credit card what's that so this is india's first credit card
06:13built for weekends you see we anyway spend 50 percent more money during the weekends so i thought if
06:19i'm spending more money i should get rewarded more money simple when did you become this smart bro bro
06:24i was always smart but now i'm smarter because with these cards i will get 20 percent off on amazon
06:31book
06:31my show zomato zepto every weekend round the year matlab that movie ticket na 20 percent save zomato
06:38order 20 percent save quick commerce groceries 20 percent save and yes amazon order also 20 percent save
06:44and what about these offline spends this also you will get with that card that is also more crazy bro
06:49you get five percent back on all spends online or offline doesn't matter so we can magnify credit
06:56and chill so what are you waiting for click the link in the bio to get yours now i would
07:02never buy
07:03a three lakh bag for myself but i would definitely buy it for my mom yeah so that is money
07:08well spent
07:08right and my mom when she got the bag she was kissing it she slept with it yeah those are
07:13memories
07:13you remember for the rest of your life that i was able to make my mom happy by buying her
07:17a three
07:18lakh designer bag which she never thought she'll ever buy in her whole life i will remember this but i'm
07:23not
07:23going to remember the three lakh sneakers that i bought when i'm dying at the age of 75 or 80.
07:29i'm
07:29not going to remember that right so things that you buy for others experiences that you buy for
07:33others you'll remember you speak where people who are living in uae and ask them where do they put
07:37their money or where they are excited to put money the answer nine out of ten times would be realistic
07:42but guess how much money you would have made if you bought the smart stock how much we have at
07:46least
07:46made three exponent when the world is saying that the us market is in a bubble ai is a bubble
07:51markets
07:52going to crash and correct how did you get that conviction to still put 65 of your liquid
07:57portfolio in the u.s market there are strategies to protect your portfolio which i've already done
08:02i have now many people will write like bitcoin as a fundamental school that's your opinion but
08:07uh bitcoin has survived i mean if you would have picked bitcoin at its top in 2021 and then went
08:13to
08:13the entire 80 correction then also you would have made 80 90 or close to 100 profits on that without
08:18buying any single day if you are investing in india today are there any pockets of sectors which you
08:23feel are good bets four of the most common indian financial mistakes buying a house too early
08:34starting your investments too late not learning about how the taxation system works in the country
08:40so you end up paying a lot more money in the early years and lastly not knowing how to use
08:43credit cards
08:48problems what's a corpus of money in our country that's considered rich 10 crores if you want to
08:53be very comfortable 10 crores even if it is generating 10 percent a year is about a crore a year
08:59crore a year
08:59is 10 lakhs a month of spending eight eight to nine seven to eight lakhs a month of spending which
09:03is
09:03what i was saying you can continue spending seven eight lakhs a month and you can continue living this
09:07life where you're going on four international vacations a year living in the most expensive parts of the
09:12metro cities and uh never having to look at the price of the items in an expensive restaurant
09:18and buy expensive gadgets and expensive clothes uh two to three times a year nobody thought that i have
09:24to invest in gold i have to buy gold in order to keep it anybody who bought gold never wanted
09:28to trade
09:29but in last two years this has changed now people have seen gold prices rising why because central banks
09:34are buying gold yeah geopolitical issues have gone worse now because central banks are buying gold gold
09:39prices have gone up geopolitical issues people are worried so gold is a safe heaven it has always
09:43been a safe heaven when people get worried where to invest and equities are falling they turn towards
09:48gold this has always been an idea in 2008 when financial crisis happened gold was 600 okay in 2012
09:54just four years after that gold was 1900 so what we are seeing right now happening with gold has already
10:00happened 20 years back during the 2008 financial crisis
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