Rishabh Singh

Wealth before 40 🇮🇳 | Manager & Macro Sleuth. Decoding Nifty Price Action & Real Estate through logic, not luck. 🛡️ Check the pinned playbook! 👇

[Rishabh Singh @rishabh_singh08]

I used to think being "rich" meant buying a car on EMI and owning a flat by 28.
​I was wrong.

​Here are the 6 financial rules I live by now:

​1. Insurance First, Investment Later
Term Insurance + Health Cover is the foundation. If you don't have this, your portfolio is one hospital bill away from zero.

​2. Renting is Smart
Paying ₹25k rent in Noida is mathematically better than paying ₹60k EMI for the same flat in your 20s. Don't let society pressure you.

​3. Boring is Best
Nifty 50 Index Funds > That "hot tip" your uncle gave you on WhatsApp.

​4. Tax is Real
Returns don't matter. Post-tax returns matter. I plan for taxes before I plan for profits.

​5. Say No to Endowment Plans
If your insurance gives you money back, it’s a bad product. Keep insurance and investment separate.

​6. Cash is King
Always keep 6 months of expenses in a liquid fund. Sleep is the best ROI.
​Wealth isn't about flashing money. It's about freedom.

​Which rule do you struggle with the most? 👇

[Rishabh Singh @rishabh_singh08]

@XboxTimdog 🇮🇳

[Rishabh Singh @rishabh_singh08]

@tarunvats33 No update as such so far..

[Rishabh Singh @rishabh_singh08]

@tarunvats33 Hey @tarunvats33 it's available in India as well

[Rishabh Singh @rishabh_singh08]

@smasithick @KaroulSahil 🫡

[Rishabh Singh @rishabh_singh08]

@nehanagarr 42k extra for a trip that lasts 5 days but a debt that lasts 24 months. We’ve traded financial freedom for digital validation. The scariest part isn’t the loan, it’s becoming the new normal.

[Rishabh Singh @rishabh_singh08]

Inflation is the only family member who doesn't even have to show up for dinner to take the biggest portion off your plate.

[Rishabh Singh @rishabh_singh08]

A fixed deposit is basically a plan to ensure you become the richest person in a world that no longer exists.

[Rishabh Singh @rishabh_singh08]

The most dangerous weapon in the world isn't a missile; it's a 22 year old with a calculator and a 1-day trading profit.

[Rishabh Singh @rishabh_singh08]

The Safe in safe assets actually stands for-

Slowly Accepting Financial Erosion.

[Rishabh Singh @rishabh_singh08]

Our parents think the stock market is a gamble. The real gamble- betting that the cost of milk, school fees, and rent won't double by 2035.

[Rishabh Singh @rishabh_singh08]

Tax is like a mugger who hits you once and leaves. Inflation is like a roommate who steals one bite of your sandwich every single day until you’re left with just the crusts.

[Rishabh Singh @rishabh_singh08]

If your money isn't growing at 12%+ you aren't saving—you're just paying a subscription fee to the economy to let you stay poor.

[Rishabh Singh @rishabh_singh08]

The most dangerous drug in the world isn't a chemical- it's a new trader with a calculator. See a 10% move > multiply it by 20 trading days > plans the color of his lamborghini by lunch.

The 50% daydream is how gurus sell courses. The 10% a month reality is how professionals actually build wealth. Most people quit because they can't handle being slowly rich.

[Rishabh Singh @rishabh_singh08]

@ThetaVegaCap Bro, I got married this year and gold just moved from 72k to 1.4L pretty fast. Just imagine what will happen in the next 4-5 years.....

[Rishabh Singh @rishabh_singh08]

@ThetaVegaCap People fight over a 30% tax bracket but ignore the 7% compounded erosion.

[Rishabh Singh @rishabh_singh08]

Finally the secret sauce that doesn't fit into a 999 FIRE masterclass. It's easy to preach compound interest and living on 50k when your spouse is a corporate heavyweight. Most FIRE stories aren't about early retirement, they are about partner funded sabbaticals. Transparency is the real 1%

[Rishabh Singh @rishabh_singh08]

@ThetaVegaCap I rather sound like a bot with a growing portfolio than a human with a shrinking one 🫠

[Rishabh Singh @rishabh_singh08]

@SejalSud To a silent partner who contributes 0% effort, takes 0% risk, but demands 30% of the profit instantly.

The government loves me more than my family does. 😭

[Rishabh Singh @rishabh_singh08]

The casino didn't close, the gamblers just moved to the AI table. Capital has no loyalty. It chases the loudest narrative. In 2024, AI and data centers offered the volatility and upside that crypto usually owns.

Once the AI froth settles, the liquidity rotates back to the big daddy. The cycle is undefeated.

[Rishabh Singh @rishabh_singh08]

Nifty ka current chart dekh kar ek cheez clear hai bulls holiday mood mein nahi hain.

Friday ko jab market 25,966 par tha, toh log panic mein the. Lekin Monday ki 200+ points ki rally ne saara sentiment badal diya, aur aaj Nifty 26,143-26,195 ke zone mein consolidate kar raha hai.

My Forecast till 31st December 2025-

Agar Nifty 26,250-26,300 ke resistance ko is hafte tod deta hai, toh hum 2025 ka end 26,500+ ke naye all-time high par karenge. FIIs return kar rahe hain aur sentiment buy on dips wala hai.

Jab tak hum 25,950 ke upar hain, trend intact hai. Any dip towards 26,050 is a buying opportunity, not a reason to sell.

2025 ki closing Green hone wali hai. Emotional trading chhodo aur data follow karo.