Why there is no talks on personal finance sir as it is the most important topic to speak about & educate the people. Why can't we have a dedicated session over it rather than talking about stocks everyday on clubhouse.Would love to hear from you @iSDBR. Thanks
A simple rule for life that rarely fails:
Optimize for enthusiasm. Make as many choices as you can that leave you feeling energetic and interested. Pay attention to when you have the urge to pursue or participate in something and do more of it.
Someone asked
I have been following your work for some time now, and there is one question I genuinely wanted to ask you.
You share a lot about your life very openly. Your decisions, your doubts, your failures, your personal moments, and even your income with so much transparency.
My question is quite simple.
Why do you choose to share so much about your life publicly?
My exact reply
I share so much because in my 20s I thought that all successful people were special - they never failed, they went to only the top colleges, they were never in doubt.
They had something in them that I could never have.
I want to show people - there is nothing special about me.
I am just a guy who showed up everyday.
With my fears, scares, worries, doubts.
And so can you.
Pro is the amateur that showed up everyday.
Where Do I Park My Emergency Fund?
An emergency fund is your financial safety net; It’s money set aside for unexpected events like job loss, medical emergencies, or urgent home repairs. Because its purpose is protection, not growth, where you park your emergency fund matters just as much as how much you save.
Key Criteria for an Emergency Fund - Before choosing where to keep it, your emergency fund must meet three non-negotiable requirements:
- Liquidity – You should be able to access the money quickly (ideally within a day or two)
- Safety – The principal should not fluctuate or be exposed to market risk.
- Accessibility – No lock-ins or complex withdrawal processes.
Returns are secondary. Preservation and access come first. Personally, I park my Emergency fund in FD + Arbitrage Fund.
The majority of the portion in Arbitrage is for the sole reason of Taxation. I come in 30% tax-slab - hence, FDs and Liquid fund returns are taxed at 30%. Arbitrage is taxed at 12.5-20% tax (as its market linked)
How will Gen C (those young investors who jumped into the markets during and post pandemic) survive this bear market? Learn from the fund managers that have seen many cycles. I did a series with @zerodhamarkets talking with some of India's veteran fund managers on navigating rough markets. Episode 1 with Anish Tawakley of @ICICIPruMF
https://t.co/mWXHFM2KfR
60 Part video on Financial Statement analysis by IIT Professor Mr. Anil K Sharma.
Financial Statements for anyone... If you are new to investing and wish to learn, this channel is a treasure.
https://t.co/YhEitzLsn4
Your best performances will come when you are working in a way that is a full expression of you. The work becomes a natural display of your personality. This is when you not only get better results, but also love the activity — because in doing the craft, you feel alive.
Calling a car a depreciating asset is accounting talk, not life reality. What actually depreciates is your time stuck waiting, your safety in crowded transport, your dignity in unwanted touch, and your energy drained by heat, rain, smells, and chaos. No appreciating asset buys controlled air, personal space for your family, predictable travel in bad weather, and hours saved every week. Money can grow again. Lost time, comfort, and control never do.
I almost titled this post "How I Built a ₹25 Crore Portfolio" as a clickbait to show the exact "trap" I’m deconstructing in my 19th letter to a young investor, a joint initiative with @dspmf.
https://t.co/TitEFkh6tG
(Disc: ₹25 crore is a fictional number)
Too many tweets against e-commerce and quick commerce. Like IT, this is an industry which has grown without any government's support. In a country where survival is difficult for most of us, no perfect employment exists. We can focus on improving gig workers life without villifying those who employ them.