Shaifali

Instagram- speakup____
Writing is a revolution in itself.

[Shaifali @BookBug_]

@Finance_Bareek She is so nice keeping track of your hardwork and achievements.

[CA Nitin Kaushik (FCA) | LLB @Finance_Bareek]

The absolute fastest way to signal that you are not ready for big money is to argue over the small change. 👇🏼🧵

#PersonalFinance #Mindset #WealthBuilding

[Shaifali @BookBug_]

@Ferreir4Thiago @venom1s Men hold power.
When it's against a man, it's still a man upholding the power.

[CA Nitin Kaushik (FCA) | LLB @Finance_Bareek]

At 25, I was broken. The covid has just hit, clients had shut down their businesses.

I had just started my CA practice and there I was, earning not even 15K per month.

At 30 years old, I became financially free.

Now people would wonder how I became financially free from being broke in 5 years?

I did enough hard work in those 5 years that people usually do in 15 years! I was literally a maniac.

Keep going, things will turn around and you will win.

#fire #investing

[Shaifali @BookBug_]

@Finance_Bareek Why are you asking this question to men only?

[CA Nitin Kaushik (FCA) | LLB @Finance_Bareek]

The worst part about ITR filing is having to wait for bank interest to update properly.

Some of the clients have got their Form 16 in time, some are business owners who want to file ITR asap and get ahead with loan renewal formalities.

But updating of bank interest in AIS takes as long as till August sometimes, at times we have have to rebisethe ITRs.

Wonder why banks don't file their TDS returns timely.

#itr

[CA Nitin Kaushik (FCA) | LLB @Finance_Bareek]

In my view, the FIRE movement (Financial Independence, Retire Early) is mostly a fantasy for 99% of the Indian salaried class.

Here’s why the standard math fails and what actually works instead. 🧵👇🏼

#FIRE #FinancialIndependence #PersonalFinance #IndianFinance

[CA Nitin Kaushik (FCA) | LLB @Finance_Bareek]

Tax season has just begun and it's showing it's colors!

A client came for ITR filing (even the forms are not conpletely out yet).

Turnover in bank - 23 crores
closing balance - 12 crores

No GST, no books of accounts.

Wants to get ITR filed asap so that he can get a loan. Asking to show it as trading income.

I denied!

I am all in for tax planning, most of the times I give my clients marvellous & legitimate tax planning advices.

But this blatant misreporting without any compliance? 🤷‍♂️ Not done!

#itr #tax

[CA Nitin Kaushik (FCA) | LLB @Finance_Bareek]

Already been following clients to share relevant details for ITR filing. But everyone seems to be having a good sleep over it.

Then everyone will come storming in the last week of July and the whole fraternity will be blamed for asking an extension.

#itr #tax

[CA Nitin Kaushik (FCA) | LLB @Finance_Bareek]

You aren’t poor, you’re just dangerously ILLIQUID.

It is entirely possible to have a ₹1 Crore net worth and still feel stressed about a ₹50,000 car repair.

Most professionals lock their entire wealth into PF, real estate, and unvested ESOPs assets you can’t eat or use during a crisis.

When 90% of your value is stuck in locked in buckets, you are forced to take high interest debt for basic emergencies, effectively paying a premium to access your own money.

Real-world financial power isn't about your balance sheet; it’s about how much cash you can deploy in 30 minutes without asking for permission or a loan.

#PersonalFinance #Liquidity #WealthManagement

[Shaifali @BookBug_]

@Finance_Bareek 😂😂apt

[Shaifali @BookBug_]

@venom1s Your audacity to use the word dowry for this and post it now given the dowry death cases we just got in real, is mind-boggling to me. How can someone be so vile as to try to dismiss the real dowry death and use it just to spread misogyny instead of addressing those cases?

[CA Nitin Kaushik (FCA) | LLB @Finance_Bareek]

FOLLOWING financial influencers in India is more likely to drain your bank account than fill it.

The harsh reality of Finfluencer culture is that most content is an incentive driven sales pitch disguised as education.

🧵👇

#Finfluencers #FinancialLiteracy #StockMarketIndia

[Shaifali @BookBug_]

@HindutvaDon_ Such an incident has not happened to me.

[CA Nitin Kaushik (FCA) | LLB @Finance_Bareek]

A 34 yr old teacher walked into my office in Jan 2021.

₹3L debt.
₹0 savings.
₹0 invested.
🧵👇🏻

#clientstory #wealthbuilding #Debtfree #Personalfinance

[CA Nitin Kaushik (FCA) | LLB @Finance_Bareek]

DELAY is a massive tax on your future.

If you start investing at 25, saving 15% income usually builds a solid retirement corpus, but waiting until 35 nearly doubles that requirement to 30% just to reach the same target.

In India, where real inflation sits closer to 6% and equity risk premiums are volatile, that 10 year gap isn’t just a late start , it’s the difference between a comfortable life and a desperate struggle to catch up.

The math shows that every five years of procrastination effectively halves the power of your SIP.

The realization is simple: you aren’t just losing time; you are actively choosing to live a significantly smaller life later because you couldn’t automate a small habit today.

#PersonalFinanceIndia #RetirementPlanning #InvestingIndi

[CA Nitin Kaushik (FCA) | LLB @Finance_Bareek]

Dear Algorithm

Connect me to people who are interested in stock market analysis to boost their wealth!

[CA Nitin Kaushik (FCA) | LLB @Finance_Bareek]

You are likely to spend 30 years of your life unemployed by biological necessity.

If you retire at 60 and live until 90 which is becoming the standard thanks to better healthcare you have to fund three full decades without a single salary credit.

Most people spend their 30s and 40s optimizing for their current lifestyle, completely ignoring that their active years are actually shorter than their inactive ones.

Boring friends who talk about retirement planning are the only ones acknowledging the mathematical reality of longevity risk.

Sustaining a 30 year vacuum of income requires a portfolio that grows while you sleep, not just a savings account.

#RetirementPlanning #LongevityRisk #FinancialFreedom

[CA Nitin Kaushik (FCA) | LLB @Finance_Bareek]

We’re casually living on the 30th, 40th, 50th floor in places like Gurgaon, Mumbai, Delhi…

…but nobody wants to say this out loud:

If a fire breaks out on the top floors,
you’re mostly on your own.

Fire brigade isn’t climbing 40 floors from the outside.
That’s just reality.

And in this heat?
ACs running all day, wiring load, short circuits…
this is becoming normal, not rare.

The real risk is this false sense of safety.

Because let’s be honest:
Most of us have NEVER checked
if our building’s fire system actually works.

Sprinklers? Maybe.
Fire exits? Half blocked.
Maintenance? Only on paper.

But we’re happy because
“society premium hai”
“view acha hai”

We’re literally betting our lives on systems
we’ve never verified.

And the scariest part?
Nobody questions it… until something burns.