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

🎙️ 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