Tenía 29 kg de sobrepeso, una barriga enorme y quería alcanzar un 13 % de grasa corporal en 2026. Lo logré con estas 25 reglas:
Regla 1. DEJA DE CORRER.
Good morning.
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Mumbaikars!
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💰 10 Brutal Money Rules for a Peaceful Life
1. No iPhone before ₹5L net worth
Status can wait. Stability can’t.
2. No car before ₹15L net worth
Walk now so you can fly later.
3. No house before ₹2Cr net worth
First build wealth, then build walls.
4. No credit card before passive income
Earn while you sleep before you swipe when you’re awake.
5. No EMIs if they’re >30% of your income
If EMIs choke your salary, you’re working for the bank.
6. No vacation until you’ve saved 6 months of expenses
Escape life only after you’ve secured it.
7. No branded clothes until your investments earn more than your salary
Flex results, not receipts.
8. No weekends off until you’ve built one source of extra income
Saturdays build Sundays that feel rich.
9. No dinner dates if your parents still work after 60
Take care of your roots before chasing aesthetics.
10. No “investing” until you understand what you’re investing in
Confused money gets lost money.
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Friend asked me for a MF portfolio.
SIP ₹50K/mo
My picks :
1. Kotak Nifty 50 ETF (10K)
2. PPFAS Flexicap (10K)
3. SBI small cap fund (10K)
4. HDFC flexicap fund (10K)
5. Nippon India Small Cap fund (10K)
Direct plans. Continue for 15+ yrs.
If Gold keeps going up like this, there is no reason for EQ or Real Estate to go down as people will continue to deploy some Gold profits to these asset classes.
Don't forget just this calendar year so far Indians have made 25000T*300Cr per T = INR 75 lac crore
In comparison entire tax collection of India is 25L cr
Entire mkt cap of India EQ is 450 Lac Cr.
1) ₹1L/month invested in FD @ 6% for 20 yrs = ₹46.5L
2) Same in PPF @ 7.1% = ₹52.8L
3) A flat worth ₹30L today at 6% CAGR = ₹96L in 20 yrs
Still nowhere close to ₹10Cr.
To hit ₹10Cr:
You need equity-type growth.
1) ₹1L/month @ 15% CAGR = ₹2.1Cr in 20 yrs
2) @ 20% CAGR = ₹4.6Cr
3) Start early, increase capital → 10Cr is mathematically possible.
FDs & PPF are for safety.
Wealth is built with calculated risk.
Knee pain after age 40 is common. But it doesn't have to be.
You can build strength at any age for strong, healthy joints.
Reverse years of knee pain and hours of sitting in a few minutes per day with this 7 exercise progression: