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3 Finance Experts Reveal India’s Biggest Money Mistakes | Kushal Lodha #339
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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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Follow guest on Social Media:
📝 LinkedIn: https://www.linkedin.com/in/lovaii-navlakhi-993792?utm_source=share_via&utm_content=profile&utm_medium=member_ios
📝 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
Crypto News Today: Impact of Clarity Act on Indian Crypto Industry | Crypto Tax, Crypto Regulations
There have been major developments related to crypto globally in the past two weeks. In the US, the Senate Banking Committee has passed the Crypto Market Clarity Act which was pending for months. Also, major institutions like JP Morgan Goldman Sach, Morgan Stanley are adopting crypto. Major US brokers such as Charles Schwab and Interactive Brokers have also started crypto trading services. Europe has also witness some crypto friendly developments. In today’s episode, we are joined by Bitinning founder Kashif Raza to decode what’s going on in the crypto world and how it will impact India and Indian crypto investors. #Crypto #Bitcoin
Dont worry, we won’t judge you for binge-watching the OG content on @zeeswitch
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We believe in the art of sharp and meaningful storytelling with a dollop of wit and satire.
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News Videos
Biggest Financial Mistakes in Your 20s (Tier List)
Your 20s are the most important decade for your financial future — and also the easiest time to fall into money traps that will set you back for years.
In this video, I break down the biggest financial mistakes people make in their 20s, ranked tier-list style from financial doom to you’ll be aight.
Drop a comment — which mistake do you think deserves S-tier?
Timestamps:
Intro – 00:00
Buy Now Pay Later – 00:42
Leasing / Financing a New Car – 2:55
Copying Friends – 5:15
Cosigning – 6:34
Buying Courses – 7:49
Eating Out / Food Delivery – 9:46
Emergency Fund – 11:04
Gambling – 12:41
High-Interest Debt – 14:35
Impulse Shopping – 16:00
Bad Stock Investment – 16:53
Lifestyle Creep – 18:03
Living Above Your Means – 19:38
Never Job Searching – 20:33
Not Opening a Roth IRA – 22:02
Not Getting Help With Taxes – 24:09
No Simple Budget – 26:10
Overpaying Insurance – 27:48
Subscription Overload – 29:11
Student Debt With No Direction – 30:18
Traveling Too Much – 32:10
Treating Your 20s Like You Have Time – 34:10
Losing Money on a Side Hustle – 35:47
Waiting to Invest – 37:12
#personalfinance #moneytips #financialmistakes #investing #budgeting
#wealthbuilding #moneyhabits #tierlist
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News Videos
Prepare For Bitcoin’s BIGGEST DUMP EVER (Then watch what happens next)
Prepare for one more BIG CRYPTO CRASH… and then this.
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Timestamps:
0:00 – intro
0:27 – This is a distraction
1:12 – Wall Street Cheat Sheet
1:22 – How to Get Rich in Crypto
2:08 – Emergency Rate Cut Coming?
3:16 – Do Not Be Fooled
6:17 – This is a historic entry point
7:40 – Why you should invest in ETH in 2026
13:02 – final thoughts
**Note: My overall opinion is that the name of the game is to accumulate as much Bitcoin as possible. Alts are interesting but a lot more speculative. I use them to accumulate more Bitcoin & Ethereum.
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#bitcoin #cryptocurrency #news #btc #ethereum #eth #cryptocurrency #litecoin #altcoin #altcoins #forex #money #best #trading #bitcoinmining #invest #trader #cryptocurrencies #top #investing #business #success #investment #finance #coinbase #binance #stocks #wallstreet #investor #wealth #bullish #crash #collapse #economy #cnbc #cryptolive #altcoindaily
***NOT FINANCIAL, LEGAL, OR TAX ADVICE! JUST OPINION! I AM NOT AN EXPERT! I DO NOT GUARANTEE A PARTICULAR OUTCOME I HAVE NO INSIDE KNOWLEDGE! YOU NEED TO DO YOUR OWN RESEARCH AND MAKE YOUR OWN DECISIONS! THIS IS JUST EDUCATION & ENTERTAINMENT! USE ALTCOIN DAILY AS A STARTING OFF POINT!
This is NOT an offer to buy or sell securities.
Investing and trading in cryptocurrencies is very risky, as anything can happen at any time.
This information is what was found publicly on the internet. This information could’ve been doctored or misrepresented by the internet. All information is meant for public awareness and is public domain. This information is not intended to slander, harm or defame any of the actors involved but to show what was said through their social media accounts. Please take this information and do your own research.
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Most of my crypto portfolio is Bitcoin, then Ethereum, but I hold many cryptocurrencies, possibly ones discussed in this video.
cryptocurrency, crypto, altcoin, altcoin daily, news, best investment, top altcoins, best crypto investment, ethereum, xrp, crash, crash, price, prediction, podcast, interview, finance, stock, investment, too late, bitcoin, cryptocurrency news, bitcoin news, cryptocurrency news media online, best crypto investments, 2026 prediction, should I buy ethereum?, blackrock, donald trump, coin bureau, binance, coinbase, trading crypto, trade, make money, cryptosrus, bitcoin today, bitcoin cnbc, altcoin news,
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News Videos
Why wives should treat financial support as a loan!
Financial dynamics within a marriage are often lead to wives inadvertently losing wealth. This perspective shifts the narrative by encouraging wives to frame their contributions to the household not as gifts, but as loans. By maintaining this distinction, the responsibility remains squarely with the husband, ensuring that personal savings are protected in the event of a separation or divorce. It is a calculated approach to financial autonomy that challenges traditional spending habits.
#financialadvice #marriageandmoney #personalfinance #wealthmanagement #financialindependence
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News Videos
Bitcoin-Prognose
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News Videos
Finance 027 – 25k salary to 25 lakh saving
Finance 027 – 25k salary to 25 lakh saving
“₹25,000 की सैलरी से ₹25 लाख की बचत कैसे करें? जानिए सही फाइनेंशियल प्लानिंग, निवेश विकल्प और बचत के स्मार्ट तरीके। #SavingsPlan #FinanceShorts”
Keywords:
25k salary to 25 lakh savings, savings plan India, financial planning tips, wealth creation from low income, salary saving tips, investment strategies, mutual funds for beginners, SIP for small savings, finance tips for employees, long-term savings goals
Hashtags:
#SavingsPlan #FinanceShorts #WealthCreation #FinancialPlanning #IndiaFinance #SmartSavings #SalaryToSavings #SIPTips #InvestmentGoals #LongTermSavings
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News Videos
Money Inside Soap?
#shorts
All of my finds are linked in my bio and in the video for you!
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News Videos
The Biggest Losers I’ve Ever Had On Financial Audit
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He could not share this during the main episode… and it’s disgusting. The amount of financial abuse this man is doing to his dad is disgusting, watch here: ➡️ https://bit.ly/chpostshow
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*Chapters*
=============================
00:00 Intro
01:24 Why Arkansas??
02:15 Jobs & Income
03:55 50-Year-Old Man With.. Fomo??
07:50 That’s Pretty Odd Ngl
10:19 Oh My God, His Dad Beyond Enables Him.
13:40 So He Doesn’t Wanna Marry Her.. HMMMM
17:40 She’s Not Connecting The Dots lol
20:16 I Really Don’t Like These Two
28:10 I Love It When They Can’t Get Their Lies Together lol
33:30 Wake Up LADY
36:37 She Loves Being Pregnant???
39:39 Maybe She’s Staying To Keep Getting Spoiled?!?!?
43:33 13% Interest Rate Is GOOD??
52:05 Why Are YOU Here?
59:00 I Don’t Think Caleb Likes Them
01:14:07 She Didn’t Ask ANY Questions??
01:22:23 Valid Crashout Tbh
01:29:21 Budget!!
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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
Fake Things in Ads #money
Fake Things in Ads #money
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News Videos
Shaadi Masti l Sreehari K | Hanan Shaah | Official Music Video l Saina Music Indie
A Saina Music Indie Original
Director : Nihal Hameed
Producer : Aashiq Bava
Music Composed & Produced by : Sreehari K
Lyrics : Sharfu
Vocals : Hanan Shaah, Dhaliya Navas
Concept & DOP : SBK Shuhaib
Editor : Muhammed Shabeer
Creative Director : Rajeesh Velayudhan
Dance Choreographer : Amruth Ratna
Executive Producer : Salman KM, Amal Aricken
Project Coordination : Bhadra Sandeep, Suhas KS
Audio Credits
Music Composed & Produced by : Sreehari K
Lyrics : Sharfu
Vocals : Hanan Shaah, Dhaliya Navas
Guitars by Sandeep Mohan
Ethnic Percussion by Suresh Krishnan
Chorus by Shabarish, Shihad, Basil , Anjali P Sivakumar, Angelina Luka , Dhaliya Navas
Kazoo & Additional Background Vocals by Sreehari K
Mix and Mastered by Sai Prakash at My Studio Cochin
Studio : My Studio , Nhq , Skr Studios , Hotel California
Recording Engineers : Akshay Kakkoth ,Omkaradas Om, Sreerag Suresh
Artists : Dilshana, Stini Francis
Line Producer : Yoonus Daxo
Art Director : Ansar Koppan
Costumers : Shaik Darwesh, Afeefa Puthige, Khayali Couture, Manly Costumes
Makeup : Althaf, Harsha Pathu, Shaiba SBK
Chief Associate Cameraman : Aromal MJ
VFX : Thoufeek
Colorist : Bilal Rasheed
Di studio – Hues & tones
Stills : Sameeh Ibn Usman
Associate Director : Alan Joseph Siby
Associate Choreographers : Mahir Shamz, Alvina
Gaffer : KK Ameen
Associate Cameraman : Sarath Krishnan
Assistant Directors : Neha Mathew, Sarangu Baisil Sanal
Assistant Cameraman :Farhan Vadakkan
Associate Editors : Bharath Edat, Vishnu Adhvik
Team Costume Design: Fathima Dansha, Afri, Murad
Makeup Team : Fathima, Lalu, Lubna
Dance Team : AG Dance & Fitness Studio
Designs : Vishnu Narayan, Krishnaprasad KV, Martin Shaji , Muhammed Alfas , Shivada J , Sahin
Spot Editor: Rahul Raghunath
Making Video : Sooraj KV
Location Partner : Staydium
Event Partner : Fayiz – Be Weddings
Lyrics:
മാണിക്യ കല്ലുകൾ പോലും
നാണിച്ച് പോകണ ചേലിൽ
കല്ലിയാണ പെണ്ണൊരുങ്ങും നാളിത്…
പതിവിലേറെ പുതുമയോടെ
അതിഥിയായി വരുമൊരാൾ…
ചുരുൾമുടി ചുരുളിലു കുടമുല്ലയും
കസവുള്ള മുന്താണിയും
പരിമളം പരത്തുന്ന തളിർമേനിയും
കണ്ണഞ്ചും സുന്ദരി നീ സുന്ദരി….
ആഘോഷത്തിലു ആളുകൾ
ചെത്തിലു ഒത്തൊരുമിച്ചേ
സൊറ പത്ത് പറഞ്ഞ് രസിച്ചേ
പല അത്തറു തേച്ച് വിരാജിച്ചേ…
ഏനാന്തത്തിലു കുട്ടികൾ
ചുറ്റിലും കുത്തി മറിഞ്ഞേ
നടു പന്തലിൽ ഓടി നടന്നേ
ചിലർ കോന്തല തൂങ്ങുന്നേ…
നാരീ പുതുനാരീ നാണംകൊണ്ട് കുണുങ്ങീ
സാരീ കാഞ്ചീപുരം ഉടുത്തൊരുങ്ങീ
മാരൻ കാറിൽ വരുന്നതും
ഹാരം തരുന്നതും
ഓർത്ത് കരളിലു കുളിരിറങ്ങീ..
മംഗല നാളിലു അംഗനമാരുടെ
അംഗുലിതുമ്പിലു ലങ്കിമറിയണു
അമ്മിമലിട്ട് അരച്ച് വരച്ചൊരു മൈലാഞ്ചി…
പന്തലു നടുവിലു ഒപ്പന ആടണ
നാൽപ്പതിൽ മിന്നണ സുന്ദരിമാരുടെ
കജ്ജിലും കാലിലും മൊഞ്ചിലു ലങ്കണു മൈലാഞ്ചി…
കാച്ചിഉടുത്തുംകൊണ്ട്
പാച്ചിലു പായുന്നുണ്ട്
കല്ലാച്ചിനിന്നും വന്ന വലിയമ്മായി
പച്ചനിറത്തിലുള്ള
റൈബാനും വെച്ചുംകൊണ്ടു
കച്ചറ കുറ്റിച്ചിറ ചെറിയമ്മായി
ജന്നലിനോരം ജാലമെറിഞ്ഞ
പെൺമണിമാരുടെ കണ്ണിണകണ്ട്
കൺമുനകൊണ്ട് ചൂണ്ടയെറിഞ്ഞ്
തിരിഞ്ഞ് മറിഞ്ഞ് നടന്ന് കളിക്കും
മൊഞ്ചൻമാർക്കൊരു മോഹം
ഈ സംഗതിതന്നെ പ്രേമം
ഇത് അങ്ങനെ ഇങ്ങനെ
ഖൽബിൽ കനവിൻ
മണിയറ പണിയണ
സരിഗമപധനിസ…
നാരീ പുതുനാരീ നാണംകൊണ്ട് കുണുങ്ങീ
സാരീ കാഞ്ചീപുരം ഉടുത്തൊരുങ്ങീ
മാരൻ കാറിൽ വരുന്നതും
ഹാരം തരുന്നതും
ഓർത്ത് കരളിലു കുളിരിറങ്ങീ..
ദമ്മിലു വേവും നേരം
ആവി പറപറക്കും
കോഴി ബിരിയാണീടെ
മണംപിടിച്ച്,
കാലൻ കുടപിടിച്ച്
കാലുമ്മേൽ കാലുംവെച്ച്
കോലായിൽ കുത്തീരിക്കും
വല്ലിപ്പാമാരു
ജന്നലിനോരം ജാലമെറിഞ്ഞ
പെൺമണിമാരുടെ കണ്ണിണകണ്ട്
കൺമുനകൊണ്ട് ചൂണ്ടയെറിഞ്ഞ്
തിരിഞ്ഞ് മറിഞ്ഞ് നടന്ന് കളിക്കും
മൊഞ്ചൻമാർക്കൊരു മോഹം
ഈ സംഗതിതന്നെ പ്രേമം
ഇത് അങ്ങനെ ഇങ്ങനെ
ഖൽബിൽ കനവിൻ
മണിയറ പണിയണ
സരിഗമപധനിസ…
മംഗല നാളിലു അംഗനമാരുടെ
അംഗുലിതുമ്പിലു ലങ്കിമറിയണു
അമ്മിമലിട്ട് അരച്ച് വരച്ചൊരു മൈലാഞ്ചി
പന്തലു നടുവിലു ഒപ്പന ആടണ
നാൽപ്പതിൽ മിന്നണ സുന്ദരിമാരുടെ
കജ്ജിലും കാലിലും മൊഞ്ചിലു ലങ്കണു മൈലാഞ്ചി
ആഘോഷത്തിലു ആളുകൾ
ചെത്തിലു ഒത്തൊരുമിച്ചേ
സൊറ പത്ത് പറഞ്ഞ് രസിച്ചേ
പല അത്തറു തേച്ച് വിരാജിച്ചേ…
ഏനാന്തത്തിലു കുട്ടികൾ
ചുറ്റിലും കുത്തി മറിഞ്ഞേ
നടു പന്തലിൽ ഓടി നടന്നേ
ചിലർ കോന്തല തൂങ്ങുന്നേ…
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