₹25 Crores with Mutual Fund SIP? | Power of Compounding | SWP Vs SIP | Podcast with

🎙️ In this episode of the INDmoney Podcast, Aman sits down with Sanjay Kathuria, a self-made financial expert who achieved financial independence at an early age. Sanjay shares his incredible journey from building passive income streams to creating a robust retirement corpus, all while navigating the ups and downs of long-term investing.

💡 This conversation is packed with actionable insights for everyone, from late starters to Gen Z professionals. Whether you're earning a modest salary, debating between renting or buying a home, or simply trying to balance enjoying life and building wealth, this episode has something for you!

Here’s what you’ll learn:

✅ The power of compounding and starting your wealth journey at any age
✅ How to grow wealth from salary
✅ Tips for building passive income streams through SIPs and index funds
✅ Sanjay’s take on renting vs. buying a home and real estate investments
✅ Practical advice for balancing YOLO spending and long-term savings
✅ How to stay motivated through the challenges of wealth-building
✅ Is the SWP theory key to an infinite retirement corpus?

Whether you’re just starting out or looking to optimize your financial plan, Sanjay’s real-life experiences and Aman’s engaging questions will leave you inspired and equipped to take control of your financial future.

👉 Don’t miss this insightful discussion on wealth-building, retirement planning, and the myths of investing!

Hit Like, Subscribe, and Share if you found this podcast helpful, and let us know your biggest takeaway in the comments below!

Timestamps👇

00:00 - 01:05 - Intro
Introduction to Sanjay Kathuria and what this episode covers.

01:06 - 04:09 - Financial Independence - Sanjay’s Perspective
Sanjay’s take on achieving financial independence.

04:10 - 04:37 - Sanjay’s Monthly SIP Strategy
How much does Sanjay invest in SIPs every month?

04:38 - 07:29 - The Start of Sanjay’s Investment Journey
When and how Sanjay started his investment journey.

07:30 - 08:43 - Financial Mistakes Sanjay Regrets
The biggest mistakes Sanjay made in his financial journey.

08:44 - 12:44 - Why Corpus Building Takes Time
The reasons why building a corpus takes longer than expected.

12:43 - 17:24 - Wealth-Building Hacks for Gen Z
Tips for Gen Z to start building wealth effectively.

17:25 - 19:13 - Revamping Investments at 40
How to reset your investment strategy at age 40.

19:14 - 20:37 - Overcoming Gen Z’s FOMO Investing Culture
Sanjay on how to deal with the fear of missing out in investing.

20:38 - 24:06 - Are You Stuck in the Loan/EMI Cycle?
Breaking free from the loan and EMI trap.

25:17 - 28:48 - To Buy or Rent a House? The Ultimate Debate
Should you buy or rent a house? Sanjay’s perspective.

28:49 - 32:18 - Why You Shouldn’t Withdraw Investments Prematurely
The risks of withdrawing your investments early.

32:19 - 33:16 - Starting Small: Is It Worth Investing Tiny Amounts?
Why small investments can make a big difference.

33:17 - 34:27 - What Sanjay Would’ve Done Differently in His Career
Sanjay reflects on his career choices and lessons.

34:28 - 36:37 - “SIP on Dips”: The Strategy to Maximize Returns
How investing on dips can enhance returns.

36:38 - 40:13 - SIP vs. SWP: What’s the Better Move?
Comparing SIP and SWP to make the right choice.

#INDmoney #FinancialIndependence #PassiveIncome #WealthBuilding #RetirementPlanning #personalfinance

Thumbnail Credit: Piyush Khare
Video Editor: Aman Kapoor and Aman Gupta