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In this episode, we sit down with Mr Biren Parekh to discuss money, investing, real estate, and the practical decisions that shape long-term financial freedom.
From his early life and first salary to investing frameworks, asset allocation, exits, passive income, and early retirement, this conversation covers real, actionable insights that everyday investors can relate to. We also discuss buying vs renting a home in Mumbai, how much money is “enough,” and how young earners can plan for financial independence.
This episode focuses on practical financial thinking, not hype, making it especially useful for salaried professionals, young investors, and anyone planning long-term wealth.

About The Guest
Biren Parekh is a seasoned BFSI professional and investor with nearly three decades of experience across banking, financial services, and technology. He is currently associated with CRISIL Limited and is based in Mumbai. Alongside his corporate leadership roles, he is an active investor with a strong interest in long-term wealth creation, asset allocation, and practical financial decision-making. His investing approach is shaped by real-world experience, disciplined thinking, and a focus on risk management rather than short-term speculation.

💡 What we spoke about
• Biren Parekh’s early life and money lessons
• His first salary and first investment
• Stocks that delivered outsized long-term returns
• Renting vs buying a home in Mumbai
• When it actually makes sense to buy a house
• What passive income really means and what it includes
• Ideal asset allocation at different income levels
• When investors should exit a stock
• How a 25-year-old earning ₹1 lakh a month can plan to retire by 40
• How much money is needed to be financially free
• Silver prices and their relevance in asset allocation

⏰ Timestamps
0:21 – How was it growing up? Where did you grow up?
0:52 – What was your first salary?
1:31 – When was your first investment?
3:08 – Have any of your shares grown significantly over time?
5:47 – If I am a 25-year-old earning ₹1,00,000 a month, where should I invest to retire by 40?
8:38 – What is passive income and what does it include?
13:24 – How much money does one need to be financially free?
15:36 – At what salary package can one decide to buy a house?
18:16 – Ideal asset allocation on a ₹50,000 monthly salary
19:55 – When should investors ideally exit a stock?
23:00 – Is your home rented or owned? When did you buy your first home?
23:33 – Is it better to rent or buy a home in Mumbai?

#BirenParekh,#InvestorTalk,#PersonalFinanceIndia,#InvestingInIndia,#WealthCreation,#FinancialFreedom,#AssetAllocation,#StockMarketIndia,#MoneyMindset,#PassiveIncome,#EarlyRetirement

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Brian from Santiment joined me to review the crypto market metrics for Bitcoin, Ethereum, Ripple XRP, Solana, and Avax. We also look at the surging price and sentiment for gold and silver.
🖥️ Sign up with Santiment to get quality crypto metrics – https://app.santiment.net/pricing?fpr=thinkingcrypto Get 25% discount with code THINKINGCRYPTO
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Sponsors:
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💼Business Inquiries💼
hellothinkingcrypto@gmail.com

⏰ Time Stamps ⏰
00:00 Intro
03:34 Bitcoin analysis
10:31 Bitcoin whale activity
14:31 Bitcoin MVRV
18:00 Ethereum Analysis
19:27 XRP Analysis
25:02 Solana Analysis
26:34 Avax Analysis
=================================================

📺 Interviews Playlists 📺
– All Interviews – https://youtube.com/playlist?list=PL5rDfH3ofGEe8rCbwJojpipmwwkvWhbQD
– Must Watch Interviews – https://youtube.com/playlist?list=PL5rDfH3ofGEdqEaSrjC3UHOQdw1eyeYRU
– Bitcoin Interviews – https://youtube.com/playlist?list=PL5rDfH3ofGEcjtw8URfr7-DfBi_J_O0ip
– Altcoin Interviews – https://youtube.com/playlist?list=PL5rDfH3ofGEeZ3QES9lD1f59YTWuQv-uv
– Crypto Regulators & Politicians Interviews – https://youtube.com/playlist?list=PL5rDfH3ofGEdsqA213osf2u-PbT1b7uM4
– Investment Firms & Hedge Funds – https://youtube.com/playlist?list=PL5rDfH3ofGEfa-HsusfQBB6blH3KR09mj
– Internet Pioneers & Entrepreneurs – https://youtube.com/playlist?list=PL5rDfH3ofGEdqCYps3eexnovm2WNWeP3o

=================================================
#Crypto #Bitcoin #Gold #Silver #CryptoNews #Cryptocurrency #BTC #BitcoinNews #ETF #News #Ripple #XRP #XRPNews #RippleXRP #Ethereum #EthereumNews #ETH #Solana #money #investing #trading #Altcoin #Altcoins #NFTs #Metaverse #Podcast #ThinkingCrypto
=================================================
– The Thinking Crypto Podcast is your home for the best Crypto News and Interviews – crypto, cryptocurrency, crypto news, bitcoin, bitcoin news, xrp, xrp news, ripple, ripple news, ripple xrp, ethereum, ethereum news, cardano, ada, solana, altcoins, defi, news, interviews, podcast, metaverse, nft, altcoin daily, cryptosrus, coin bureau, altcoin news, bitcoin today, markets, investing
=================================================
Disclaimer – The Thinking Crypto podcast and Tony Edward are not financial or investment experts. You should do your own research on each cryptocurrency and make your own conclusions and decisions for investment. Invest at your own risk, only invest what you are willing to lose. This channel and its videos are just for educational purposes and NOT investment or financial advice.

Note that links included in this description might be affiliate links. If you purchase a product or service with the links that I provide I may receive a small commission. There is no additional charge to you! Thank you for supporting my channel so I can continue to provide you with free content each week!

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🚨 Sign up for the Gemini Credit Card: https://Gemini.com/kevin 🚨 ⚠️✅💎 Meet Kevin Membership: https://MeetKevin.com 💎 ✅ ⚠️
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#GeminiCreditCard #CryptoRewards This video is sponsored by Gemini. All opinions expressed by the content creator are their own and not influenced or endorsed by Gemini.

The Bitcoin Credit Card™ is a trademark of Gemini used in connection with the Gemini Credit Card®, which is issued by WebBank. For more information regarding fees, interest, and other cost information, see Rates & Fees: gemini.com/legal/cardholder-agreement

Some exclusions apply to instant rewards; these are deposited when the transaction posts. 4% back is available on up to $300 in spend per month for a year (then 1% on all other Gas, EV charging, and transit purchases that month). Spend cycle will refresh on the 1st of each calendar month. See Rewards Program Terms for details: gemini.com/legal/credit-card-rewards-agreement

Checking if you’re eligible will not impact your credit score. If you’re eligible and choose to proceed, a hard credit inquiry will be conducted that can impact your credit score. Eligibility does not guarantee approval.

The appreciation of cardholder rewards reflects a subset of Gemini Cardholders from 10/08/2021 to 04/06/2025 who held Bitcoin rewards for at least one year. Individual results will vary based on spending, selected crypto, and market performance. Cryptocurrency is highly volatile and may result in gains or losses. This information is for general informational purposes only and does not constitute investment advice. Past performance is not indicative of future results.

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This video or description does not constitute personalized financial, legal, real estate, investment, or other advice (we don’t know your situation; so it’s impossible to provide you personalized advice.). Therefore, evaluate your own suitability. Assume any referenced product or service is a paid promotion, though Kevin does his best to let ya know if a mention is paid or unpaid. While Kevin’s experience with a product or service may be good, your experience may suck – Kevin can’t be response for that; so be warned and conduct your own diligence. Any mention of stocks or analysis may be reliable today, but not tomorrow or even hours later. Recognize businesses and people change rapidly and the accuracy of information cannot be guaranteed. Additionally, any mention of being a pilot, flying a jet, or showing or commenting on aviation is solely incidental to part-91 flight operations Kevin Paffrath is taking for his own purposes. Any videos of FAA-related or aviation-related content are solely incidental to flights that would have occurred regardless of video content, though some may see the aircraft Kevin flies as an advertisement for the products and services, investment strategies, or wealth strategies Kevin promotes. Kevin Paffrath is licensed with the California Department of Real Estate under 01893132. His broker is HouseHack, license 02236137.

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Compare Bitcoin and Ethereum investments with ₹2 lakh at 15% CAGR. Ethereum shows higher growth (₹6L in 10 years, ₹30L+ in 20 years), while Bitcoin offers stability. Understand which cryptocurrency aligns with your risk tolerance and long-term financial goals.
#XRPPricePrediction
#EthereumNews
#BlockchainBattle
#BTC
#AltcoinAnalysis
#BitcoinPricePrediction
#BlockchainInsights
#CryptoShowdown
#EthereumUpdate
#AltcoinInsights
#BTCTrends
#BitcoinAnalysis
#EthereumPricePrediction
#BitcoinNewsToday
#EthereumAnalysis
#PersonalFinance
#EthereumInvesting
#DigitalAssets
#BitcoinElliottWaveAnalysis
#BTCPrice
#ETHNews
#BTCAnalysis
#CryptoMarket
#CryptoNewsToday
#ETHPrice
#Ethereum
#CryptoTradingStrategies

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Belajar lebih banyak lagi bareng Melvin Mumpuni di: https://lynk.id/finansialku

Solusi mencapai tujuan finansialmu 👉 https://lynk.id/se.uang
Lacak pengeluaranmu dengan Expense tracker 👉 https://lynk.id/se.kelas/qZA9oGd

Hasilin ratusan juta dari industri kreatif 👉 https://lynk.id/edutify/on2D3XA

Baca Buku Generasi Ekspektasi 👉 https://s.shopee.co.id/7fHec5zQqL

Spotify: https://open.spotify.com/show/0u1uZUrZ69mhEhx5N7LcnQ?si=e2961c188ca64fe3
Follow IG dan Submit Pertanyaan: https://www.instagram.com/se.kelas/

Bikin Podcast: https://www.instagram.com/heystudio_id/

#growth #selfdevelopment #uang #kaya

Apa aja yang dibahas Bilal & Melvin?

00:00 Intro
01:50 Fenomena hidup serba konsumtif anak 20an.
07:29 Solusi untuk mencegah pengeluaran yang konsumtif?
09:41 MINDSET menghasilkan duit jadi lebih mudah.
14:11 3 sumber penghasilan.
17:36 Cara mengembangkan sumber penghasilan.
20:15 Definisi aset secara sederhana.

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Parmish Verma’s “Time Is Money” is the ultimate flex anthem of the year — a hard-hitting banger where he shows off everything he’s earned through hustle and grind. From struggles to success, it’s all about living proof that time really is money.

Streaming Links :

Insta
https://tinyurl.com/3vmbvee5

Spotify
https://tinyurl.com/fjzer3yz

Amazon Music
https://tinyurl.com/y9ff68ps

Apple Music
https://tinyurl.com/vj9dbp4m

Gaana
https://tinyurl.com/4jk4xfje

JioSaavn
https://tinyurl.com/yxfhzx5n

YouTube Music
https://tinyurl.com/3ejnkcwc

Speed Records Presents

🎵- Credits

Song – Time Is Money
Singer – Parmish Verma
Lyrics – Laddi Chahal
Music Composer – Black Virus
Producer – Zorawar
Composer – Laddi Chahal
Mix Master – Dense

🎥 – Credits

Director – Agam Mann & Aseem Mann
Styled by – Medha Bahuguna
Photography – Beej Lakhani
Line Production – Akshay Kapoor
DOP – Shinda Singh
Editor – Mr LUV
Color – Grade Onkar Singh
AD – Rajat Yadav

👨‍💻 – Credits

Digitally Powered By – Scope Digital

Lyrics :

Birkin moddeyan ch, gutt van cleef ni
Ho hermes pairan ch main karaan ki tareef teri
Sohniye drip di tu layi phiren agg
Teri saheli sadi fan te yaaran da sara jagg
Chori chori takkdi ae mittran di whip nu ni
Kade iced out kade glock de clip nu ni
Navi navi uttari lage jo teri sangh jehi ni
Time is money tu yaaran toh jehda mangdi
Nazaraan milauni ae te naale escape karen
Mittran di ghadi dekh ghadi mudi vape karen
Masti ch lagdi ae phirdi ae jhoomdi ni
Gallan toh ta lagge mainu fan mashroom di
Mainu lagge billo bali ni tu fan-cy
Assi old school kudiye tu gen-z
Akhaan vich nasha thalle personal benz ni
Lean di shukeen kude bali ae trendy ni
Lambo dekh kudi kehndi f*** wow
What when how chalo chhado mitti pao
Ho aari aari aari, ho enni chheti na,
Ho enni chheti nhi khulni sadi whip di tere layi baari
Ho sanu puggdiyan yaariyan
Ho gedi baith ke jihna na jaavan maari
Ho chandigarhon sadhe teen ghante ch dubai
Naal yaar veli kai munde patte fun de
Ghadiyan te gaddiyan da shonk munde nu
Whip tiffany blue wait kre runway
Ho menu puchhan shareek tankhaha meriyan
Ho deni cullinan baapu nu salaha meriyan
Kamm kaar set main le ke jaavan jet
Mainu jithe jithe le ke jaan raahan meriyan
Ho pump rakhde sharir phansi doleyan ch sando
Kari lift g-class te grounded lembo
Har din har waar, shaniwar aitwar
We don’t pray for, we just pray for cars
Ho gardana ghumdiyan jadon shehron langhdi
Ho time is money tu yaaran toh jehda mangdi
Ho time is money tu yaaran toh jehda mangdi
I’m sorry girl
My time is my money
Let’s go boys
Slab
I’m handling some motherf*cking business homie
I hope you talk, you call about money!
Har din har waar, shaniwar aitwar
We don’t pray for, we just pray for cars
Ho gardana ghumdiyan jadon shehron langhdi
Ho time is money tu yaaran toh jehda mangdi
Ho time is money tu yaaran toh jehda mangdi

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