00:00So you can do a full trip to Vietnam, business class flights, five-star hotel stays with just
00:04your credit card points. What? How? So this is probably the easiest vacation you can do if you
00:09have an Infinia credit card. Okay, I have that. Okay, so first transfer your Infinia points to
00:14Air France at a 1 is to 1 ratio. Wait, wait. I said I wanted to go to Vietnam. Why
00:19am I
00:19transferring points to Air France? So Air France and Vietnam Airlines are both part of the Sky
00:25Team Alliance. So you can really book cheap Vietnam airline flights on Air France. Now
00:31if you're flexible with your dates and we can plan in advance, you can find business
00:36class flights for around 22,000 miles. So if two of you are going, that's around 44-45,000
00:42miles in business class to get to Hanoi. Okay, makes sense. So return flights are covered in
00:48under the 100k Infinia points. Got it. Now if you have an Access Atlas card, you can move 30,000
00:54access points to Accor hotels. The transfer ratio is 1 is to 2. So you'll get 60,000 Accor
01:00points. Each Accor point is worth 2 rupees. So you'll get 1.2 lakhs worth of hotel stays.
01:05Now start your trip in Hanoi. Great architecture, super cultural part of the city. Stay at the
01:10move and pick in Hanoi. It's around 30,000 rupees for two nights. Then take an international flight
01:16to Fuquok. It's the best island beach. Now stay there at the premier residencies at Emerald Bay.
01:22Three nights is around 30,000 rupees. Okay, so around 2.5 lakhs in flights, 1.2 lakhs in hotels
01:28with my 100,000 Infinia points and 30,000 Atlas points. Correct? Exactly. And the taxes and
01:35internal flights are maybe around 25,000 rupees per person.
01:4170% of Indians buy iPhone on EMIs. India has always been a status-driven society. Every Diwali,
01:47we all think of how to upgrade our life. We want a better car, better phone, better vacations,
01:51better everything. But think about it. What's the point of upgrading everything except yourself?
01:58Upgrading makes things look better, but upskilling makes you better. When you start learning skills
02:04that actually matter, you become sharper, more confident, and a lot more valuable to your team,
02:11your company, and yourself. But learning the right skill isn't just about watching tutorials or picking
02:17some random courses. You need structure, you need guidance, and you need to learn from people
02:23who've actually gone and done it. That's where Jaro Education comes in. A trusted name since 2009,
02:29they have been driving India's higher education and upskilling ecosystem for over 16 years. It has
02:35stayed profitable, sustainable, and completely bootstrapped from day one. With strong academic
02:40collaborations with IIM Ahmedabad, IIT Delhi, IIT Madras, Wharton Interactive, and more,
02:46Jaro ensures world-class learning that's relevant to today's industry. Over 3.5 lakh professionals
02:52have already upskilled through their programs and applied those learnings to grow faster in their
02:57careers. In 2025, Jaro reached a new milestone with a successful 450 crore IPO backed by years of
03:05financial discipline and good governance. And through its work, Jaro continues to strengthen
03:10India's national vision by empowering people through education and lifelong learning. So if you're
03:15serious about moving ahead and want to invest in something that actually pays back, you know
03:20where to start. The link is in my mind. Guys, we need to raise a hundred crores for the one
03:27person
03:28club. Is the deck ready? Yes sir. So we started off with the key focus areas and the- What?
03:36No, this is not what I wanted. I want to start from the digital angle. What is this s**t? Oh
03:41man, we have to start from Sajj.
03:43Hey, chill bro. I got it. Here you go. Okay. What about the computer analysis? Here. Market research? You're just
03:55wasting my time. Done. Now I've added the market research along with the budget breakdown and consumer insights.
04:03It's not fun. The presentation is too long. It's not interesting. Wait, wait. You want me to make it pop?
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04:31I think my 100 crore FD is sorted. How can they also do it? All of you can. The link
04:38is in my bio.
04:40What do you predict the gold price to be, 2027?
04:43If you asked me this six months back, I would have been extremely confident until in that level. We were
04:47predicting around 4200, which is already here.
04:49But what we were predicting was, ki gold generally rallies around 35-40% in a year. Now it has
04:55rallied by more than 50-60% in six months to eight months.
04:58So the speed of the rally has surprised everyone. Even you? Including me. Whatever we were anticipating in 18 months
05:04was turning up in six months.
05:06And you are somebody who has been studying this field for the last 25 years. Absolutely. And it has surprised
05:09you also. Absolutely.
05:10Okay. It's not the direction, it's the speed. Right? And speed is scary. When you are going up so fast,
05:15it's scary that at some point of time, this momentum will stop.
05:18If it stops, it will fall down. Right? This is what the scare of everyone today, ki whether should I
05:23buy gold or not.
05:24I want to buy. But tomorrow, if it falls by 20%, I don't want to buy now.
05:28So that's a possibility, is what you're saying? That's absolutely a possibility.
05:30Okay.
05:31Ruger!
05:32Ruger!
05:33Ruger!
05:341.4 billion people of India have same access to money, loans, like people living in bigger cities.
05:40We are dreaming to reach that end mile. Some hilly area, some villages. That is our motto. That is our
05:47rural plus grammy's Ruger.
05:49I don't know what you've been told. But time is running out. No need to take us low. I'm stepping
05:56to your toe-to-toe. I should be scared, honey, maybe you're so. But I ain't worried about it right
06:03now. Keepin' dreams alive.
06:06A lot of Indians actually ask me, what happens after Diwali? Because we think Diwali actually drives prices.
06:12Jewelers made us believe that. We have no say in gold prices. Really?
06:16Gold, apart from being a currency, is also the ultimate safe haven. For example, there's a world war. Everyone is
06:21fighting. There is nothing to gain.
06:22So even if you have to protect your purchasing power, the fallback is the gold. The color of gold doesn't
06:27really dictate the purity of gold.
06:29The South Indians will say we have better gold because it's more yellow. So if you mix zinc, it becomes
06:33yellowish. If you mix copper, it becomes reddish.
06:36Robert Kiyosaki, the author of Rich Dad, Poor Dad, he is predicting that the silver prize will become five times
06:41in the next few years. Do you have a similar kind of prediction?
06:43Currently, it's around $50. We are expecting it to go to around $3.
06:47In how much time?
06:48My prediction is around 18 months.
06:49Do you have any percentage allocation in silver in your investments?
06:52I don't.
06:53Zero?
06:53Zero.
06:54But you just said that you won't be surprised if silver doubles in the next 18 months. Then shouldn't you
06:58invest in silver?
07:01What do you forecast the gold price to be in the next one or two years then?
07:12Quality of gold is better in Dubai compared to India. It's more pure. Is that true?
07:16No. So there are two aspects for this. One is the color of gold. The Dubai gold is more yellowish.
07:21And Indian gold is slightly copperish. Because gold, when you manufacture gold into an ornament, it is not 100%
07:27gold. It's 916. We call it 22 carat.
07:30So out of 1000 grams of gold, 916 grams is gold. Rest is impurities. Impurities could be copper or zinc.
07:37To hold the gold. To hold the gold. To give this toughness to that.
07:40So if you mix zinc, it becomes yellowish. If you mix copper, it becomes reddish. So if you see Rajasthani
07:46jewelry and all those things, they have a reddish tint.
07:48If you go to Kerala, it will be more yellowish. Second is, we have a very strong hallmarking system today
07:54present in our country.
07:55The government has pushed it very stringently. And now we have a traceable number on each piece of jewelry, which
08:01you can actually log into BIS hallmarking website and trace where this has been manufactured, who tested it and who
08:07certified this.
08:10How is this printing of money connected to gold? Can you explain that in layman terms?
08:14To explain that in layman terms, decently Warren Buffett was asked this question, right?
08:18Who's winning in an economy like this, where there's so much volatility in the printing?
08:22And he said, people like me, you know, people like me because we are capitalists, we are sitting on assets.
08:26Because what happens is when printing of money comes in, asset prices go up.
08:30What is asset price?
08:30So if you look at, say, you know, the value of a flat, it's gone almost 2 or 3x in
08:34the last 5 years.
08:35Correct.
08:35The reason it has gone up is because there's easy money in the hands of people today.
08:39So the call for gold essentially came from two things, right?
08:42One thing was that a lot of money printing is going to come into the future.
08:45They've already started printing a lot of money.
08:47So that's why price of gold will go up.
08:49Even price of land should go up.
08:50The second thing was that gold is sort of driven by central banks.
08:54Now, you know, how the dollar, we speak about the dollar, right?
08:56In our lifetime, we've only seen the dollar being the superpower.
08:59Correct.
09:00Right?
09:00I think people are sort of realizing that it's not going to be this now in the next 10 years.
09:04You're going to see a downfall.
09:05So no one wants to hold currency anymore.
09:09So what is your prediction for the market, 2030 prediction?
09:12We are in that stage where there's going to be a big reset happening.
09:15If I speak to someone today and if they ask me what to do, I say, you know, don't put
09:17your money in a debt fund.
09:19Don't sit on any form of cash.
09:20And the reason is, you'd be surprised.
09:24One of the highest performing index in the world, there has been the Karachi Stock Exchange.
09:29Pakistan Stock Exchange.
09:30Pakistan Stock Exchange.
09:31But how?
09:32So how Buffett became actually rich, right?
09:34He had 100 rupees, but he took 10,000 rupees of the public from the insurance business and redeployed that
09:39in the markets.
09:40Today, if you go to LIC, open up any scheme.
09:42I don't think the return on capital comes to anything more than 4.5%.
09:44Wait, wait, wait.
09:45You're saying LIC takes our premiums and invest that in the stock market.
09:49Absolutely.
09:50You know, when I speak to investors, I'm saying you don't need to become an active stock picker.
09:53You can actually make a lot of money without actively picking a stock.
09:57But how?
09:57You can only do it.
10:05You can only do it.
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