Vishal took a ₹50 lakh home loan.
Tenure: 25 years
EMI: ₹40,000/month
Like most people, he thought:
“Just keep paying the EMI and one day the loan will end.”
Then he checked his loan statement.
In the first year, he paid ₹4.8 lakh in EMIs.
But the loan reduced by only ₹60,000.
The rest went towards interest.
That day, he changed one habit.
Every year, whenever he received his bonus, he prepaid one extra EMI.🥳
And every appraisal cycle, he increased his EMI by 7-8%.🔥
Just small increases as his income grew.
Result?
His 25-year loan was on track to close nearly 15 years earlier.
The lesson:
Most people focus on paying EMIs.
Smart borrowers focus on reducing principal.✅
That’s where the real savings happen.
#HomeLoan #FinancialPlanning #PersonalFinance
My sincere advise to Indian investors. I gain nothing by saying this.
12 years did nothing for you as investors. Check the returns, adjust it in USD CAGR. The returns are dismal.
You are basically witnessing financial repression.
In this decade: middle class lost its financial ability to send kids abroad, travel abroad.
Give it 1 more decade: you will see serious deterioration in quality of goods we consume.
There is NOTHING you can do. This is happening. And, will keep happening.
The only thing in your control is your decision: on how you invest your available capital. If you are upper middle class, please open a foreign brokerage account. Invest.
You will say: oh you want to sell us your course? oh bhai, don't buy anything, it is fine. Just go and invest in QQQ/S&P 500 whatever you like. Go to better, more transparent markets.
You don't have to do this with your already invested money. Whatever new money you are making, make better calls with it. Only invest in Indian stocks when they go super cheap.
I am saying all this because:-
I don't want hard working fellow folks to get absolutely bankrupt in the name of investing in "hope". You're hardworking you absolutely deserve a much better life.
Ahmedabad is a hopelessly boring Tier 2 city. Please don’t move here.
Living here is an absolute nightmare:
• Zero Adrenaline: Women are just casually roaming around at 2 AM eating ice cream without fearing for their lives or dodging intense police naka bandis. Where is the survival thrill?
• No Linguistic Pride: If you don't speak Gujarati, nobody even threatens to beat you up or smash your shop's signboards. They just awkwardly reply in broken Hindi. Absolutely no passion!
• No Traffic Trauma: The roads are so wide and well planned that you actually reach your destination in 20 minutes. How am I supposed to finish my audiobooks or rethink my life choices during a 3 hour bumper to bumper commute?
• Missing Action: Someone bumps into your vehicle, and they just say sorry and pay you instead of pulling out a hockey stick. No street fights, no "Tu jaanta nahi mera baap kaun hai." So dull.
• Zero Aesthetic Culture: No underground drug or Udta Punjab vibes. Just boring, safe, sober families existing everywhere.
Honestly, it’s unbearable. Please stay in your happening metro cities, enjoy spending half your life in traffic and keep breathing that sweet AQI 1000 air.
I almost gave up trading… until I made this 1 change
Day trading was draining the life out of me.
Sure, it could make money.
But it came with a cost I wasn’t willing to keep paying.
I had to be perfect.
Sleep perfectly.
Wake up perfectly.
Eat right. No drinks. No late nights.
One misstep and it would wreck my performance.
It wasn’t a routine.
It was a prison.
My freedom came second to “perfect focus”.
And even then… my results still weren’t consistent.
I was doing everything “right”.
But it felt wrong.
Even when I won, I was miserable.
No life. No peace. No joy.
Then everything shifted.
I moved from day trading to swing trading with mechanical rules.
10 minutes a day.
3 simple rules.
And suddenly, I had my life back.
I could go out on weekends.
Sleep in if I needed to.
Make money without obsessing over every second of the chart.
And the ironic part?
My performance got better.
Because when trading stops ruling your life…
you actually become a better trader.
Now I help other traders step out of that burnout cycle.
Into an approach that serves your life, not suffocates it.
If you’re tired of the trading grind and want a system that gives you your time, energy and freedom back.
Reply “TTA” and I’ll send you the details.
Waitlist for next month’s intake is open now.
Chat soon!
- Alan
One clean trade at a time…
Not forcing.
Not chasing.
Not trying to make it all happen today.
Just one good decision.
Then another.
Then another.
And 6 months from now, your life could be different.
You’re a trader.
Nobody is coming to save you.
Not the guru. Not the signal group. Not the funded account.
You will have to pay the price of blown accounts, missed moves, losing streaks, self doubt, lonely sessions, and starting over — To win in this market.
No shortcut, my boy.
"Your job as a trader is to wait for the best opportunities. Money is made stalking and sitting, *not* being active & forcing a new trade each day." - Dan Zanger
Trading is a process
No greed
No revenge,
No Gambling
Risk management is your #1: Priority
Plan the calculated risk
Take the calculated risk
Repeat 🔁
The market is always ready to kick your ass when you become overconfident.