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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Lock in on Ethereum, XRP, Solana, Cardano, Hbar and more. The clock is officially ticking. In exactly 14 days, the crypto market faces a “perfect storm” of macro and regulatory events that could trigger the most significant volatility we’ve seen in years. Whether you’re holding Bitcoin, Ethereum, or altcoins, the window to prepare is closing.

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All of our videos are strictly personal opinions. Please make sure to do your own research. Never take one person’s opinion for financial guidance. There are multiple strategies and not all strategies fit all people. Our videos ARE NOT financial advice. Our videos are sponsored & include affiliate content. Digital Assets are highly volatile and carry a considerable amount of risk. Only use exchanges for trading digital assets. We never keep our entire portfolio on an exchange.

#bitcoin #crypto

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From January 2008, Steve Kroft’s look at the U.S. sub-prime mortgage meltdown. From October 2008, Kroft’s report on the financial instruments that helped to create the economic crisis. Also from October 2008, Kroft’s story on credit default swaps and their role in the unfolding financial crisis. From March 2010, Kroft’s interview with Michael Lewis about “The Big Short,” the financial crisis and those who profited from it. From April 2012, Kroft’s interview with an attorney who investigated the financial collapse of Lehman Brothers. From October 2008, Lesley Stahl’s talk with bankers about how the U.S. government intervened to help some of the largest banks in the country. From March 2009, Scott Pelley’s chat with FDIC agents who reveal what happens to your money when your bank fails. From January 2009, Pelley’s visit to Wilmington, Ohio, to examine how the economic crisis is hitting people in the Midwest. And from October 2010, Pelley’s visit to Newton, Iowa, to look at the effects of the recession.

0:00 Intro
0:11 House of Cards
15:48 Wall Street’s Shadow Market
28:05 Financial Weapons of Mass Destruction
40:22 Inside the Collapse (Part 1)
56:09 Inside the Collapse (Part 2)
1:04:15 Lehman Brothers
1:17:39 Bank of America
1:29:45 Your Bank Has Failed
1:42:59 Winter of our Hardship
1:56:21 Anger in the Land

“60 Minutes” is the most successful television broadcast in history. Offering hard-hitting investigative reports, interviews, feature segments and profiles of people in the news, the broadcast began in 1968 and is still a hit, over 50 seasons later, regularly making Nielsen’s Top 10.

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➡ Recommend A Guest For Our Podcast Here – https://forms.gle/eotmhzWMx6KpJQH86

➡ Join This Group To Be Invited To Future Offline KwK Events in Mumbai: https://chat.whatsapp.com/F3MbHDPwTwC…

In this value-packed episode, we are joined with Peeyush Chitlangia from @FinShiksha to give a practical walkthrough of how financial modeling works — from forecasting Maruti Suzuki’s revenue to linking balance sheets, P&L, and cash flow statements. Learn how to source real data, make correct assumptions, and use Excel to model company performance and valuation.

The conversation also sheds light on how financial modeling acts as a non-negotiable skill for roles in equity research, PE/VC, and investment banking, and how professionals from diverse backgrounds (CAs, MBAs, engineers) can master it and command top salaries. From job market realities to projection techniques, this is a must-watch for every finance aspirant.

👉 Don’t forget to subscribe for more such expert-led discussions on finance, careers, and investing.

#FinanceJobs #ModelingSkills #ExcelForFinance #InvestmentCareers

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Follow Kushal Lodha on Social Media:
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FinShiksha YouTube: @FinShiksha

FinShikshaWebsite: https://finshiksha.com/

Learn Financial Modeling and Equity Valuation in detail: https://finshiksha.com/courses/equity-valuation-certification/

Timestamp:
00:00 Intro
02:05 Financial modeling and its importance
04:55 What’s the average package in financial modeling?
09:40 How a financial model is created
11:41 Maruti financial data model example
25:14 How to predict future revenue
44:45 5-year revenue projection of Maruti
56:25 How the range affects future revenue
1:10:19 How to calculate the valuation of a company
1:18:29 What is capital work in progress?
1:30:00 Why does a company borrow?
1:59:53 Common mistakes in a balance sheet
2:07:51 India automobile statistics
2:30:49 Cash flow statement of Maruti
2:52:48 College incident during financial modeling classes
2:54:20 Want to learn financial modeling in depth?

#kushallodha

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▶WELP… there was a debt they hid from me… GROSS, watch the post show here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join

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All investing involves risk. Silo Financial LLC (“Silo”) is registered with the SEC. The creator receives cash compensation and is not affiliated with Silo.
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▶OTHER CHANNELS:

1. Financial Audit Follow-Ups: https://www.youtube.com/@calebhammerclips

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Chapters:

00:00 Intro
03:46 Job & Income
15:26 what an odd relationship
28:28 objectively shouldnt be here
35:44 she had no idea
45:06 …
01:03:22 her face lol
01:18:29 payday loan for utilities is insane
01:31:33 he was in charge of the finances btw
01:43:19 Budget Time!
01:48:48 Hammer Financial Score

___________________________________________
▶EXTRA

1. My website: https://calebhammer.com/

2. My socials: https://stan.store/calebhammer

3. 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

Any questions? Email:
casting@calebhammer.com
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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. Some of the offers mentioned may no longer be available. This is not investment advice.

▶Sponsorship and business inquiries: business@calebhammer.com

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#RBD #RBDSalvameDel2020

® La marca REBELDE, su logotipo y todos los derechos relacionados son propiedad de Yair Dori lnternational GMBH y Cris Morena Group, S.A. bajo sublicencia de Televisa, S.A. de C.V. a Universal Music México, S.A. de C.V.

® La marca RBD y su logotipo son propiedad de Televisa, S.A. de C.V. bajo licencia a Universal Music México, S.A. de C.V.”

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Canadians lost $224,201,739 to cryptocurrency investment in 2024, and so far have lost $103,172,872 this year alone, according to the Canadian Anti-Fraud Centre.

Subscribe to CTV News to watch more videos: https://www.youtube.com/ctvnews

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5 YEARS TO FINANCIAL FREEDOM

Limited Access ₹99/month – https://go.summaryboard.in/ds

🔥 JOIN THE COMMUNITY
WhatsApp Channel (important updates):
https://whatsapp.com/channel/0029Vb75urnBFLgUHgLnlp1V

(New books + weekly live implementation sessions)
Access only serious learners.
👉 Enroll now – https://go.summaryboard.in/ds

Also available on Android App –
Search “SummaryBoard” on Play Store.
Direct access to books anytime, anywhere.

If you had only 5 years to change your financial life…
Would you spend them like every king before you?

Or would you build something that lasts?

👉 This video is not about saving money.
It’s about escaping Andhar.

This is the story of a kingdom trapped in a deadly pact…
Where every king ruled for 5 years —
And then was sent to the Jungle of Death.

Every king wasted those five years.

Except one.

King Samy.

And what he did in those five years
is exactly what you must do
if you want financial freedom.

🎥 WHAT YOU’LL LEARN IN THIS VIDEO

Through this powerful story, you’ll discover:

✔ Why most people never define their financial number
✔ Why earning more means nothing if spending rises with it
✔ The power of living below your means
✔ Why compounding invisible actions change everything
✔ How multiple income streams protect your future
✔ Why skills matter more than status
✔ How 5 focused years can change the next 50

This is not fantasy.
It’s a financial blueprint disguised as a story.

Because most people don’t fail due to lack of income.

👉 They fail due to lack of direction.

🧠 THE REAL QUESTION THIS VIDEO ASKS

Are you:

• Living paycheck to paycheck?
• Increasing income and lifestyle together?
• Hoping “someday” you’ll get serious about money?

Because financial freedom is not luck.

It’s preparation.

King Samy knew he would be sent to the jungle.

You already know inflation, job instability, and time are coming.

The only question is —
are you preparing?

📘 THE IDEAS BEHIND THIS VIDEO

This story is inspired by timeless financial principles from books like:

• The Millionaire Fastlane
• The Psychology of Money
• Rich Dad Poor Dad
• The Compound Effect
• The Little Book of Common Sense Investing
• The 80/20 Principle

And the real-life journey of people who achieved financial independence in 5 years.

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Most people don’t read consistently.
Most people don’t apply what they read.
Most people forget what they learn.

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Available on Android App — learn anytime, anywhere.

Think of it as a ₹99 SIP for your financial mindset.

Crores worth of dreams…
And most people hesitate to invest ₹99 in clarity.

Your wealth is already compounding.

The only question is —
in assets or in excuses?

⏱️ TIMESTAMPS

00:00 – The Kingdom of Andhar
01:48 – The Demon’s Pact
03:12 – Why Kings Always Failed
05:06 – Samy’s First Decision (Clarity)
07:10 – The Invisible Preparation
09:40 – The Jungle Revelation
11:15 – The 7 Laws of Financial Freedom
13:30 – How to Start Your 5-Year Plan

🔔 FINAL THOUGHT

Every king had five years.

They chose pleasure.

Samy chose preparation.

Five years is not long.

But it’s long enough
to change your financial destiny.

The question is simple:

Will you spend the next five years consuming…

Or building?

💬 CONNECT WITH ME

Instagram 👉 https://www.instagram.com/seeken101

Twitter 👉 https://x.com/Seeken7

Facebook 👉 https://www.facebook.com/seekeners/

Website 👉 https://seeken.org/

📩 Business Enquiries: iamseeken@gmail.com

👉 Watch till the end.
👉 Share this with someone who needs a 5-year wake-up call.

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