In this episode, Amit Upadhyaya breaks down the career journey, investment strategies and decisions that helped him achieve FIRE at 46 with a ₹10 crore corpus.

From starting his career at a ₹15,000 salary to building a diversified portfolio over two decades, Amit shares how he approached investing, asset allocation, mutual funds, direct stocks, gold, international stocks, retirement planning and financial independence.

We also get into some deeply practical questions:

• Why does Amit believe most people should avoid direct stocks?
• How should you choose mutual funds?
• What mistakes did he make while building wealth?
• Why did his portfolio strategy completely change after FIRE?
• How much equity, debt and gold should one ideally hold?

Along with portfolio allocation, withdrawal strategy, diversification, compounding, inflation assumptions and mutual fund selection frameworks, this conversation also explores the emotional and psychological side of achieving financial freedom.

If you’re serious about long-term investing, mutual funds, FIRE, asset allocation and building wealth sustainably, this episode is packed with practical insights for you.
————————————————————————————
Timestamps
00:00 Amit Upadhyaya’s ₹10 Cr FIRE Journey
00:48 Career Journey, Salary Growth & Working 19 Years in One Company
05:50 “Does High Salary Make FIRE Easy?” Amit Responds
07:42 How Amit Learned Compounding & Started Investing
09:23 Mutual Funds, Direct Stocks & Why He Added Gold
11:17 “There Is No Formula in Personal Finance”
13:57 How He Calculated His ₹10 Cr FIRE Number
16:31 Asset Allocation Before & After FIRE
18:52 Amit’s Biggest Investing Mistake
20:57 Why Amit Says Most People Should Avoid Direct Stocks
24:42 How to Pick the Right Mutual Funds
28:47 Why Flexi Cap is the BEST
31:52 How Investing Changed After Retiring Early
34:06 Amit’s Real Definition of FIRE & Advice for Early Retirement
————————————————————————-
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PowerUp Money is India’s trusted mutual fund advisory app. Find us here :
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Website: https://app.powerup.money/xDsX/okhz0dok
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Power Pioneers: https://www.youtube.com/playlist?list=PLZeXGgDmILizA6DRJIQNnjUfZmtoYdhsd
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#financiallyfree #financialindependence #retireearly #fire #powerupmoney #powerpioneers #powerpioneerspodcast #podcast #financialfreedom #mutualfunds #stocks #investing

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Ripple XRP All Hell Is About To Break Loose
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( not financial advice lol )

support the channel 😀 –

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Are you bored of the stagnant $1.40 XRP price? While retail exits, the world’s largest banks are feasting on supply. This isn’t a market failure; it’s a replacement. Cumulative ETF inflows have rocketed to $1.23 billion as institutional buyers bypass price discovery via OTC desks. While retail holders dump bags in boredom, the data reveals that smart money is absorbing every ounce of liquidity, moving XRP from a speculative token to a core financial asset integrated into global banking rails.

The 2026 ledger paints an exclusive picture where owning just a few thousand tokens makes you a part of a shrinking global elite. With exchange reserves at a seven-year low of 1.7 billion tokens, the impending supply shock is becoming a mathematical reality as sellable supply hits a terminal floor. Don’t be the exit liquidity for a hedge fund—protect your gains by understanding the structural shifts in global financial plumbing. Subscribe for more in-depth crypto breakdowns.
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🧠 This is a community for educational discussion only.
🚫 No financial advice is provided.
👨‍💼 Admins and moderators are not licensed financial professionals.

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🛑 DISCLAIMER:

This is a channel for entertainment purposes only. All opinions expressed by the hosts and guests should not be construed as financial advice.The views of guests and hosts do not necessarily reflect those of the channel.

We do not promote any get-rich-quick schemes, trading strategies that guarantee returns, or risky financial behavior.

All trading decisions are your own responsibility. Viewers are strongly encouraged to do their own research.
Trading cryptocurrencies carries a significant risk of loss, and no outcome is guaranteed. This Channel does not offer financial services or securities and does not guarantee any results.
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Offers vary and may not be available in all regions. Please consult your local laws and financial advisor before participating.

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Timestamps

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Chapter 10 | Financial Markets | Business Studies | Class 12 | Part 1

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Most people believe that making more money will finally make them feel secure, successful, and financially free. But what if that feeling never actually comes?

In this video, we break down the psychology of “enough” and why increasing your income often doesn’t lead to lasting happiness or reduced financial stress. Using real-world data from Empower’s financial happiness survey, we analyze how much income people believe they need to feel happy — and why that number continues to rise at every income level, from $25,000 to over $200,000 per year.

We also explore the concept of the hedonic treadmill, a well-established principle in behavioral finance and psychology that explains why people quickly adapt to higher income levels and continue chasing more money without ever feeling satisfied. This helps explain why even high earners and millionaires often don’t feel wealthy, despite reaching major financial milestones like a $1 million or $2 million net worth.

If you’ve ever wondered:
Why making more money doesn’t feel like enough
Why your financial goals keep changing
How to define your “enough number”
When you can confidently stop chasing more income
Or how to create a financial finish line for retirement

This video will walk you through the data, the psychology, and a practical framework for determining what “enough” looks like for your life.

We also discuss the hidden cost of constantly moving the financial goalpost — including the impact on your time, your retirement timeline, and your ability to actually enjoy the money you’ve worked so hard to earn. Because at some point, the question isn’t just how much more you can make — it’s what you’re trading your life for.

Whether you’re a high earner, working toward financial independence, planning for retirement, or simply trying to reduce financial stress, this video will help you rethink your relationship with money and build a more intentional, fulfilling financial life.

00:00 The Dangerous Lie About “Enough” Money
02:13 The Income Study That Proves We’re Chasing the Wrong Number
03:51 Why “Just a Little More” Never Works
05:48 This Isn’t a Money Problem It’s a Moving Target
06:32 What Chasing More Money Is Really Costing You
07:36 Why Millionaires Still Don’t Feel Wealthy
09:03 How to Define Your Enough Number

Some of my favorite books: https://amzn.to/3KF3tlr
Camera & equipment I use: https://amzn.to/3Z20lof

Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research.

Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney

Thanks for watching, I appreciate you!

Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser.
This content is intended for informational and educational purposes only and should not be considered
personalized investment, tax, or legal advice. Viewing this content does not create an advisory
relationship with Root Financial.
We do not provide tax preparation or legal services. Always consult an investment, tax or legal
professional regarding your specific situation. The strategies, case studies, and examples discussed may
not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only.
They do not reflect actual client results and are not guarantees of future performance. All investments
involve risk, including the potential loss of principal.
Comments reflect the views of individual users and do not necessarily represent the views of Root
Financial. They are not verified, may not be accurate and should not be considered testimonials or
endorsements.

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Ripple XRP David Schwartz Warns You Will Own Nothing And Be Happy
Stay Updated With My NFT Project!
https://sologenic.org/nfts/rU22ZciKy7MaVWPkt7gRL2KTZgHhZbhsJi?network=mainnet
Tweets by PhoenixRebornFT

Buy A Domain!
https://unstoppabledomains.com/r/extravod

Buy XRP From Uphold (zero fees)
https://uphold.sjv.io/do9jOK

Ledger Nano
https://shop.ledger.com/pages/ledger-nano-x?r=68682485d3fa

EMAIL For Business Inquiries ONLY:
cryptocks1@gmail.com

Join The Facebook Group!
https://www.facebook.com/Extravod-105891104605584/

Join this channel to get access to perks:
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Join The Discord Channel!
https://discord.gg/Tb7aSKC

Follow The Twitter!
Tweets by ExtraVOD_

( not financial advice lol )

support the channel 😀 –

XRP ADDRESS – rEb8TK3gBgk5auZkwc6sHnwrGVJH8DuaLh

XRP TAG – 101911049

(Cryptocurrency News)

Links –

Random Tags (Please Ignore): #ripple #xrp #cryptocurrency #bestcrypto #investing #ripplexrp #xrpnews #ripplenews #priceprediction #crypto #altcoinsnews

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Andrew Muthee Gitau, the CEO of AMG realtors drops by with certified golden finance nuggets. From the frame of mind needed to quit a job, to strategies on how to navigate the global business environment, Andrew is all rounded.

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