To paise ko manage karne ke liye mainly do phase. hai Money accumulation phase yaani paise ikathe karo aur money preservation phase. Yaani paiso ko bacha ke rakho.
Money accumulation phase me hame apni annual expenses ka kam se kam 25X ikatha karna hai.. iske liye ham apne paiso ko grow kar sakte hai Index Funds se. agar ham 50% apni income ka har month index funds me daalte hai to author ke according ham 11.5 saal me financial freedom achieve kar sakte hai.
Ek baar hamne financial freedom achieve kar li yaani 25 times annual expenses ke ikathe kar liye uske baad ham apne paiso ko divide kar sakte hai 75% index funds me 20% bonds me aur 5% cash me. AUr ab agar ham 4% paise withdraw bhi karte rahenge to bhi most probably hamare paise kabhi bhi khatam nhi honge kyunki jitne ham withraw kar rahe hai us se zaada index fund use grow kar sakega.
Hamara sabse better decision yehi hoga ki ham apne 20’s me hi Financial freedom paane ka goal rakh le. Kyunki Investing kaam karti hai compounding se aur compunding kaam karti hai sufficient time se. So don;t get confused in your 20’s rather use your focus to get financial freedom.
I hope ye video aapko valuable lagi hogi.
JAI HIND
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