₹23L Debt At 37 - Complete RECOVERY Plan | Money Matters Ep. 97 | Ankur Warikoo Hindi

I am conducting a FREE Masterclass on Winning People Without Losing Yourself on 31st January 2026, Saturday. Register here: https://bit.ly/AWFreeMasterclass

Excited to launch IGC - a nationwide search for India's brightest young minds. India Genius Challenge (IGC) is a completely free online platform where kids between 13-15 years will compete with students across India through daily quizzes on GK, logical reasoning - with daily/weekly/monthly winners receiving books, iPads and laptops!
Sign up for free on https://bit.ly/indiageniuschallenge

If you wish to be part of the Money Matters series, please fill up this form: https://forms.gle/G3wwgpVjctRneyQv6

Money Matters is a series where I have conversations with normal people such as you and I, on your personal finance issues. It is important to note that I am NOT a financial expert, I am NOT SEBI registered, and I am NOT qualified to give financial advice. Everything that I say in these videos is purely through my own experiences.

So these videos do not offer any stock tips, or specific mutual fund recommendations or get-rich-quick schemes. I am not selling any product or service through these videos.
None of the brands that I mention in these videos have paid me to mention them, unless I explicitly say so (and I will say if the video is sponsored).

This also means that my advice may not always be the right advice. So incase I make a mistake, the best way to correct me will be to share your point of view in the comments, so that everyone can benefit from it.

I am not perfect, nor claiming to be either and would love to learn and grow. The idea is simply to help people with their finance journey and through their story try to help others who may have a similar story.

In this week's Money Matters, I speak with Amit - a 37-year-old who took a business loan against his property before COVID, saw his venture fail, and has been struggling with a ₹23 lakh loan at a 16% interest rate from an NBFC.

The biggest revelation in this episode is how refinancing can transform his financial situation overnight. I walk him through a complete 2-year debt elimination plan, followed by a systematic investment strategy that could help him build ₹3.6 crore over 20 years.

00:00 About Amit
01:34 Current finances
06:00 Expectations from Money Matters
07:52 Plan for finances
14:43 Future projections
16:37 Closing remarks

#LoanRefinancing #DebtFreeJourney #warikoo

------------------------------------------------------------------------------------------------------------------------------

Check out Ditto, for the ultimate insurance buying experience, here: https://ditto.sh/7u17m0

Level Up Your Skills with Coursera:
Coursera Plus Subscription (Unlimited access to 7,000+ courses): https://imp.i384100.net/c/5248989/328...
Browse All Coursera Courses: https://imp.i384100.net/c/5248989/328...

My Money Apps:
Indian Stock Investing (Zerodha): https://zerodha.com/open-account?c=ZM...
Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): https://zerodha.com/open-account?c=ZM...
US Stock Investing + Investment Tracking (INDMoney): https://bit.ly/3tT5moR

The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. Over 5 years we have contributed 1.24Cr in helping kids continue their education.
DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions.

My bestselling books:
'Beyond The Syllabus': https://amzn.to/3ICkIFh
'Build an EPIC Career': https://amzn.to/4kJlOfB
'Make EPIC Money': https://amzn.to/3WHJ43F
‘Get EPIC Shit Done’: https://amzn.to/4fK1IR5
‘Do EPIC Shit’: https://amzn.to/4fK9uuv

My gear for shooting this video:
🎥 Sony a7III camera: https://amzn.to/3GtfwCJ
🎬 Sony FE 24-70 f2.8 Lens: https://amzn.to/4klYm82
📹 Sony E Mount FE 24-50mm F2.8: https://amzn.to/3I6LfKy
🎙 Shure SM7B Microphone: https://amzn.to/3Tk5Ygk
🔆 Godox Fill Light 60W: https://amzn.to/4exQvmL
💡 Godox Key Light 150W: https://amzn.to/3TQau6p
📽 Benro IT15 Tripod for Sony a7III camera: https://amzn.to/4km4ZXP

If you buy using the above Amazon links, I stand to make affiliate income from it and 100% of this income is contributed towards the education of kids who cannot afford it.

Let’s connect online:
📩 My weekly newsletter: https://ankurwarikoo.com/newsletter/
📱 Instagram:   / ankurwarikoo  
🐦 Twitter:   / warikoo  
👨🏻‍💻 LinkedIn:   / warikoo  
😄 Facebook:   / awarikoo  
🖋 Daily Blog: https://ankurwarikoo.com/blog/