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Hello hello hello and welcome to a new episode of Fix Your Finance!
Today, we have 36-year-old Pallav from Bengaluru, and this is an episode that many working professionals and high earners will find incredibly relatable.
Pallav has been working in Sales & Strategy for the last 12 years. Today, he earns an impressive ₹32 LPA, with a monthly take-home salary of around ₹2.12 lakh.
At first glance, everything seemed perfect. A good income, a successful career, and relatively low fixed expenses.
But during our conversation, Pallav shared something that genuinely surprised me.
Despite earning ₹2.12 lakh every month, his salary would almost be exhausted by the 20th of the month.
Naturally, the question was:
“Where is the rest of the money going?”
As we dug deeper into his spending habits, the picture became much clearer.
Pallav loves ordering food, exploring Bengaluru, and taking frequent trips to places like Goa, Kerala, and Pondicherry. Add to that shopping on credit cards, buying watches worth ₹75,000+, and regular weekend parties with friends.
Individually, these expenses may not seem like a big deal. But together, they had quietly become a major drain on his finances.
The interesting part is that Pallav wasn’t reckless with money. Like many people, he simply never realized how much lifestyle expenses had grown over the years.
Once he started tracking his spending, he understood that a large portion of his income was being consumed by habits that had slowly become normal.
Now, he wants to take control of his finances and become more intentional with his money.
One of his biggest goals is to build an emergency fund that can cover at least 6 months of his monthly expenses, giving him financial security and peace of mind.
In this episode, we break down his spending patterns, identify the biggest money leaks, and create a practical roadmap to help him achieve his financial goals without sacrificing the lifestyle he enjoys.
If you’ve ever wondered where your salary disappears every month despite earning well, this episode might be exactly what you need.
Now, let’s fix his finance.
In this episode, we discuss:
• Pallav’s Income & Career Journey
• Why His ₹2.12 Lakh Salary Was Running Out Every Month
• Lifestyle Inflation and Hidden Expenses
• Food Delivery, Travel & Weekend Spending Habits
• Credit Card Usage & Impulse Purchases
• Building a 6-Month Emergency Fund
• Creating Better Financial Awareness
• Balancing Enjoyment Today with Financial Security

Connect with me ►
Instagram: https://www.instagram.com/anshhuman/
Linkedin: https://www.linkedin.com/in/anshuman-sharma-20452b148/
Twitter: https://twitter.com/Anshuman_306

—

Subscribe for more videos ► https://www.youtube.com/@anshumanfinance

GEARS BEHIND THE VIDEO:
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#fixyourfinance #personalfinance #moneymanagement #moneymanagement

Disclaimer: Neither the guest nor I am a SEBI registered investment advisor. Information shared is only for educational purposes and not investment advice.

Music licensed by Epidemic Music.

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We analyze the factors that could drive significant increases in XRP’s price, examining concepts like market cap explained and the economic multiplier effect. This video explores the potential for XRP ripple to reach new highs, contrasting its market capitalization with global financial markets. It offers insights into crypto investing and how to evaluate its long-term investment potential.

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🔴 Full Legal & Regulatory Disclaimer
▸ https://docs.google.com/document/d/1T_wTsSkXDZqdgKDUOKfIEKF-a7ur2kX8gw-e3aAq_Q4/edit?usp=sharing

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Pengisi suara: Kak Meli

#shorts

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Private credit has ballooned to $3.5 trillion, redemptions are being halted at major firms, and this illiquidity could trigger the next financial crisis. What does this mean for the broader financial market, and where does gold fit in as private credit strains emerge? 📥 Download The Private Wealth Playbook: https://www.danireport.com/ 📞 Schedule your FREE strategy call: https://calendly.com/itmtrading/500

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Disclaimer: The information provided in this video is for educational purposes only and should not be construed as financial advice. Gold and silver prices are influenced by many factors and may fluctuate. All assets carry some risk and past performance does not guarantee future results. The views expressed by our hosts or guests do not always reflect the views of ITM Trading nor guarantee a specific outcome. Always conduct your own research and consult a financial advisor before making any investment decisions.

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ITM Trading Inc. © Copyright, 1995 – 2025 All Rights Reserved.

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Follow Me On Social Media:
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SMASH THAT LIKE BUTTON AND SUBSCRIBE! ♥️

DISCLAIMER: 24hrsCrypto is not a financial advisor. This is not financial advice. Everything said in this video is the sole opinion of those who appear in it. The statements in this video are not investment or trading advice. This video is intended solely for educational and/or entertainment purposes only. Always do your own research before investing. Trading cryptocurrencies is extremely risky. Do not trade on any exchange that prohibits trading from your geographical region. Never invest more than you can afford to lose. 24hrsCrypto is not responsible for your losses or gains as a result of buying, selling, or trading cryptocurrencies.

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#cryptocurrency #digitalfinance #finance #bitcoin #crypto

Subscribe to CoinDesk on YouTube: https://www.youtube.com/user/CoinDesk?sub_confirmation=1

CoinDesk is the leading digital media, events and information services company for the crypto asset and blockchain technology community.
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CoinDesk Podcast Network: https://open.spotify.com/show/2jyIhkvAQhed8AWDZiPpSP
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Markets Daily Crypto Roundup: https://open.spotify.com/show/7sDXM8BlxsUqzL2IqmLqwE
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Is the “Global Reset” of banking finally here? In this exclusive deep-dive, Paul Barron sits down with Simon of Zebec to discuss the massive shift in global liquidity as XRP and Ripple’s RLUSD stablecoin collide with the $11 trillion payroll market.

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DISCLOSURE: None of this content is meant to be construed as investment advice; it’s for entertainment purposes only. The links above may include affiliate commissions or referrals. I’m part of an affiliate network and receive compensation from partner websites. The video is accurate as of the posting date, but it may not be accurate in the future.

You should not treat any opinion expressed on this YouTube channel as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of opinion. Opinions expressed are based upon information considered reliable, but this YouTube channel does not warrant its completeness or accuracy, and it should not be relied upon as such. This YouTube channel is not under any obligation to update or correct any information provided in these videos. Statements and opinions are subject to change without notice. No compensation is received by this YouTube channel for the opinions expressed.

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Car Chori Ho Gai? Got Full Refund #finance

#investing #personalfinance #compounding #financialfreedom #wealthbuilding #longterminvestment #moneymanagement #financialplanning #investmenttips #financialgrowth #casakchijain #shorts #youtubeshorts

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