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3 Finance Experts Reveal India’s Biggest Money Mistakes | Kushal Lodha #339
➡ Recommend A Guest For Our Podcast Here – https://forms.gle/eotmhzWMx6KpJQH86
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In this no-nonsense roundtable on Konversation with Kushal, three of India’s most trusted SEBI Registered Investment Advisers-Suresh Sadagopan,Harsh Roongta, and Lovaii Navlakhi-come together to bust every myth your bank, broker, and insurance agent has been selling you. From real estate return data to credit card traps to the right time to buy a house, this is the most honest, conflict-free personal finance conversation young India has been waiting for. Whether you are 22 and just starting out or 35 juggling EMIs and growing responsibilities, this will completely rewire how you think about money.
In this episode, you will learn:
1.The Two Financial Planning Traps Most Indians Fall Into-Why “I’ll plan when I have more money” and “I already have enough” are both equally dangerous, and why financial planning is non-negotiable at every income level.
2.The Real Estate Returns Truth Nobody Shows You-Actual 10-year rolling return data from Mumbai, Delhi, and Bengaluru, and why the belief that real estate always beats every other asset class is statistically false.
3.The Credit Card Trap Hidden in Plain Sight-Nobel Prize-winning economist Richard Thaler’s “Pain of Paying” concept, why cashback points are a mathematical illusion, and the “Pay Now Buy Later” framework that kills the debt spiral.
4. The Right Time to Buy Your First Home-Why buying too early is one of the costliest mistakes young Indians make, the EMI-to-income ratio that actually works, and the one factor almost nobody considers in a joint home loan.
5. Insurance, SIP vs Lumpsum, and Asset Allocation-Answered Simply-The exact order to buy insurance, the real answer to the SIP-versus-lumpsum debate, and why “100 minus age” is a terrible rule.
Don’t forget to Like, Share, and Subscribe for more insightful conversations with top achievers and finance experts from across India and the world!
#SureshSadagopan #HarshRoongta #LovaaiiNavlakhi #KonversationWithKushal #PersonalFinanceIndia #FinancialPlanningIndia #SIPvsLumpsum #HomeLoanIndia #FeeOnlyFinancialPlanner #YoungInvestors
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Follow Kushal Lodha on Social Media:
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📝 LinkedIn- https://www.linkedin.com/in/sureshsadagopan?utm_source=share_via&utm_content=profile&utm_medium=member_ios
📝 LinkedIn- https://www.linkedin.com/in/harshroongta?utm_source=share_via&utm_content=profile&utm_medium=member_ios
Timestamp:
00:00 Intro
01:52 Assets Under Advisory Deep Dive
03:48 Biggest Financial Mistakes by People
05:56 Example of Mistakes
13:04 Process of Financial Planning
24:50 BNPL and Debt Trap Deep Dive
27:51 Is Debt Good?
31:12 Should You Use a Credit Card?
37:27 Kushal’s Opinion on Credit Cards
47:35 Home Loan Deep Dive
50:05 Right Age to Buy a Home?
01:03:43 Should You Buy a House Example
01:05:00 House as % of Net Worth Deep Dive
01:13:00 Insurance Deep Dive
01:17:40 Insurance Premium Deep Dive
01:32:10 Mutual Fund Deep Dive
01:38:58 Ideal Asset Allocation Deep Dive
01:50:25 What Would the Panel Ask Themselves?
01:56:46 Conclusion & Outro
#kushallodha
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News Videos
$530,000 Of Taylor Swift Debt | Financial Audit
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Chapters:
=============================
00:00 Intro
08:24 correlation??
20:28 she said the thing!!
29:33 telling the math guy “its not math” lol
40:29 thats not a valid excuse lady
53:37 lol
01:09:18 LMAO
01:20:00 valid crashout ngl
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*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice.
Sponsorship and business inquiries: business@calebhammer.com
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News Videos
How To Invest In Cryptocurrencies For Beginners | Cryptocurrency Sinhala
How To Invest In Cryptocurrencies For Beginners | Cryptocurrency Sinhala
Connect with Isuru
https://www.facebook.com/isuru.chamod.79
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https://www.youtube.com/channel/UCvIss0vaAQxpV_J98ZYfUzw/videos
To download Shopbook app,
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#Cryptocurrency#Bitcoin#Investing
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News Videos
Mpokket se kaise loan le 2026 | mpokket loan | m pocket money loan app | mpokket Loan App | Mpokket
Loan
Mpokket se kaise loan le 2026 | mpokket loan | m pocket money loan app | mpokket Loan App | Mpokket
Loan Apply Link :- https://shorturl.fm/bsOuM
In this video, you will learn how to take a loan from Mpokket Loan App in 2026. Mpokket is a popular personal loan app mainly designed for students and salaried individuals.
We have explained:
• Mpokket loan eligibility
• Mpokket loan interest rate 2026
• Mpokket loan repayment process
• Required documents
• Mpokket loan approval time
• Pros & cons of Mpokket app
Mpokket offers short-term loans directly to your bank account using a simple mobile application process. Always borrow responsibly and read all terms & conditions before applying.
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Disclaimer:
This video is for educational and informational purposes only. We are not associated with Mpokket or any financial institution. Loan approval, interest rates, fees, and terms may change at any time and vary based on user eligibility. Please verify all details on the official Mpokket website or app before applying. We do not guarantee loan approval or exact loan amounts.
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News Videos
Crypto Trading For Beginners Full Course | Learn Trading From Scratch | Trading Course (Day 2/10)
Crypto Trading For Beginners Full Course | Learn Trading From Scratch | Trading Course (Day 2/10)
This is the Second video of a complete 10-video trading series. This video is based on Crypto trading for beginners, Crypto trading full course or trading full course. So if you are interested in trading kaise sikhe in 2026 or crypto trading for beginners then this video is for you. Here you learn how to trade crypto, Crypto trading for beginners, how to start trading for beginners or complete Crypto trading Full Course.
I’m attaching our Trading Full Course playlist here so you can watch the entire Trading series step by step:-https://www.youtube.com/playlist?list=PLJwRwY_zmmSGK4NUic4bIsyWWXExLkMFE
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Disclaimer –
Investing in the share market, including equity, derivatives, commodity, and currency, involves market risk, and past performance is not indicative of future results. The risk of loss can be substantial, and it may not be suitable for everyone. Please ensure you fully understand the risks involved and invest at your own risk. We are not a SEBI registered advisor, and this channel is for educational purposes only. Neeraj Joshi and any person associated with this channel accept no liability for any content uploaded on this channel or responsibility for any direct, indirect, implied, punitive, special, incidental, or consequential damages arising from actions taken based on the information provided on this channel.
#cryptotrading #tradingcourse #tradingforbeginners #trading
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21 Principles Of Financial Freedom Will Change Your Future | Brian Tracy’s Life Advice 2024
21 Principles Of Financial Freedom Will Change Your Future | Brian Tracy’s Life Advice 2024
Explore the power of Financial Freedom with our inspirational speech, crafted and compiled to bring you the essential principles from Brian Tracy on financial management and shaping your future. We present to you 21 highly valuable and practical principles to help you achieve the Financial Freedom you aspire to. In this video, we not only share knowledge but also convey inspiration and essential strategies to help you apply them to your daily life. Enjoy the advice and soul-shaping wisdom from Brian Tracy, one of the world’s top speakers on time and financial management. Don’t miss the opportunity to experience a profound and meaningful conversation space, where we share success stories and life experiences, helping you better understand how to apply Brian Tracy’s principles to your daily life.
#financialfreedom #briantracy #lifeadvice #wealthbuilding #motivationradio #2024
▶SPEAKER:
This content has been independently crafted and synthesized by our team, without copying or drawing inspiration from any other sources. We were inspired by the extensive knowledge and profound insights of Brian Tracy to share this message with the audience.
Subscribe to our channel using this link for a constant flow of instructional and motivational videos to help you grow in every part of your life : https://www.youtube.com/channel/UCNX6…
▶The music, footage, and vocals in this video were created entirely by our team. We took great care to produce every element from scratch, ensuring a unique and original experience for our audience.
This video has no negative impact on the original work. The video has been used under fair use, repurposed with the intent of educating and motivate others.
Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for “fair use” for purposes such as criticism, commenting, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Educational or personal use tips the balance in favor of fair use.
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Laziest Way To Make Money With AI ($373/day+)
Watch This Next: https://youtu.be/6KB9h-FcD8Q
More stuff here: https://www.instagram.com/imangadzhi/
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News Videos
He’s So F*cked (I brought in his mom) | Financial Audit
🍿 WTFFFFFFF SHE *FORCED* HIM TO TAKE MONEY OUT OF HIS RETIRMENT—- and there is *SECRET* IRS debt!!! WTFFFF watch the post show here: htDEtps://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join
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Chapters:
00:00 Intro
06:20 mama disagrees :eyes:
15:28 shes WHAT
24:25 chat, is he cooked
34:00 why are they kinda based lol
51:00 DRAG HERp
01:02:49 TLC get on this now
01:16:46 whoopsies
01:25:00 MUFFIN
___________________________________________
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3. Livestream Cutdown VODs: https://www.youtube.com/@livecalebhammer
___________________________________________
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1. My socials: https://stan.store/calebhammer
2. Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply
___________________________________________
▶*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice.
▶Sponsorship and business inquiries: business@calebhammer.com
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News Videos
Raoul Pal Shocks Everyone With What He Just Said About The Bitcoin Crash (2026 Warning)
Raoul Pal just DESTROYED the 2026 bear market narrative in the most devastating way possible.
The Real Vision CEO explained why the 90% liquidity correlation proves bears are WRONG — and why the REAL opportunity is the 2027-2028 BLOW-OFF TOP cycle.
💰 KEY NUMBERS FROM THIS VIDEO:
– 90% — Bitcoin correlation with global liquidity
– 97.5% — Bitcoin correlation with Nasdaq
– $108 TRILLION — Global M2 money supply
– 52.6 — ISM Manufacturing PMI (January 2026, highest since August 2022)
– 12 months — Manufacturing contracted before January breakout
– 3.50%-3.75% — Fed funds rate (CUTTING, not raising)
– $1.9 TRILLION — CBO projected deficit for 2026
– 4.4% — ISM projected revenue growth (manufacturing 2026)
– 4.6% — ISM projected revenue growth (services 2026)
– 3% — Capital expenditure increase projected (manufacturing 2026)
– 90 days — Liquidity lag before Bitcoin reacts
– 25-30% — Nasdaq decline Raoul expects in 2027
– 40-50% — Bitcoin decline Raoul expects in 2027
– $155,000 — Grok 4.2 Heavy Bitcoin prediction (end of 2026)
– $240,000 — Grok 4.2 Heavy Bitcoin prediction (2027 high)
– $400,000 — Standard Chartered Bitcoin prediction (2027-2028)
– $1 MILLION — Cathie Wood Bitcoin prediction (2030)
– 5 — Crypto Fear & Greed Index (LOWEST ever recorded)
– 50%+ — Bitcoin down from $126K all-time high
– $200 → $2,000 → $20,000 — Raoul’s 2017 Bitcoin journey
🎯 RAOUL PAL QUOTES:
– “90% of all Bitcoin’s price action is explained by GLOBAL LIQUIDITY”
– “For 2026 to be a bear market year, it must be true that global liquidity is going to be FALLING”
– “There is NO EVIDENCE of that”
– “If that were to be true, we’d be NUKING the economy”
– “You’d be reducing global liquidity when the ISM is at 47 — manufacturing’s basically at a RECESSION”
– “It doesn’t happen that way”
– “It’s NOT going to happen in a year of the MIDTERMS of a very aggressively pro-business leadership”
– “It just doesn’t make sense”
– “We’ve got to roll all the debt”
– “That means they’re going to lose control of the bond market, blow up the banking system, blow up the stock market”
– “It doesn’t feel right”
– “With low inflation — why would they do it?”
– “That correlation has been in place since Bitcoin’s existence at 90% correlation — and 97.5% with the Nasdaq”
– “I didn’t reduce anything last cycle — I just bought more into 2022”
– “People can’t WEAR a drawdown — I’m used to it”
– “Everybody expects me to be the font of knowledge when it comes to this, and I DON’T KNOW”
– “Where else do you put your money?”
– “I’ve also FUCKED that up as well in the past — it’s NOT easy to do”
– “How can I JAM as much money into my investments”
– “I don’t see Warren Buffett trading out with the cycle or Jeff Bezos hedging his shares every four years”
– “You just let it COMPOUND, and if you can buy more, you buy more”
– “MINIMIZE REGRET — only YOU are in control of that”
– “What is your level of regret if your asset pool gets HALVED tomorrow?”
– “Once you start looking for houses or cars or watches — THAT’S the point you should take some off”
– “I bought Bitcoin at 200, I sold out at 2,000 — thought I was a HERO”
– “It went to 20,000 seven months later”
– “If I had just LEFT MY MONEY in the market — it would have been BETTER”
– “You just compound returns SO MUCH FASTER”
– “I think we have ONE MORE CYCLE before that”
– “That’s going to be the SPECTACULAR one — the BLOW-OFF TOP cycle”
– “Right now people are still CYNICAL — they don’t quite believe it all”
– “Most institutional asset allocators were UNDERWEIGHT tech”
– “There’s NO DEBT going into this thing”
– “2027 — liquidity gets withdrawn a bit — the typical DOWN year”
– “Nasdaq goes down 25-30% and Bitcoin goes down 40-50%”
– “We start the money printing cycle again”
– “Trump is ramping up to try and win the general election”
– “We NOW KNOW THE PLAYBOOK”
– “Where we are in AI by 2027 — NONE OF US can even predict — it’s just VERTICAL TAKEOFF”
– “EVERYONE’S just going to throw ALL their money at this”
– “The boom in solar and energy and nuclear”
– “It’s got ALL THE ELEMENTS of a full BUBBLE BLOW-OFF”
📺 ORIGINAL INTERVIEW:
⚠️ DISCLAIMER:
This video is for educational and entertainment purposes only. This is NOT financial advice. Always do your own research before making any investment decisions. Cryptocurrency investments are highly volatile and risky.
#RaoulPal #Bitcoin #GlobalLiquidity #BlowOffTop #2027 #2028 #BullMarket #BearMarket #ISM #Manufacturing #Nasdaq #WarrenBuffett #JeffBezos #Compound #Midterms #Trump #AI #Solar #Nuclear #MoneyTalksToday #Crypto #FearAndGreed #MinimizeRegret
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News Videos
Trump Just Started The Biggest Money Reset Since WW2
Register for my investing Workshop & get Market Briefs as a bonus: https://go.briefs.co/2026-portfolio-playbook/?utm_campaign=june2026webinar&utm_medium=organic&utm_source=youtube&utm_placement=youtubedescription&utm_content=ii3SUwO3mr0&utm_term=minority_mindset
Recommended:
Trump’s New Plan To Replace Gold And Fix The $39 Trillion Debt
What Is The Minority Mindset?
“The Minority Mindset has nothing to do with the way you look. It’s the mindset of thinking differently than the majority of people” ~Jaspreet Singh
Follow me:
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DISCLAIMER CONT’D: I’m just a random guy on YouTube so do your own research! Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but is he is not providing you with legal advice in these videos. This video, the topics discussed, and ideas presented are Jaspreet’s opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.
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it’s time for a financial reset
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In today’s video we’re doing a little financial reset, to stick to our budget, do a few no buy weeks, change up our goals and focus on fewer more important things. I’m also going to try making micro payments to my mortgage to pay it down a little faster, and reduce the overall interest we’ll pay.
► Video Essays
» Why the “no buy” trend is taking over in 2025: https://youtu.be/J5aO3cSWl2I
» The dark side of haul culture: https://youtu.be/gWv5H8tWrI8
» Why everything sucks now: https://youtu.be/5QIMYcOQASE
» Deinfluencing you from buying fall products: https://youtu.be/oA8hjITFWNo
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#lowbuy #savemoney
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