We discuss:
-Why “financial freedom” is more relevant than “retirement planning”?
-How inflation impacts your future cost of living?
-Why ₹1 lakh per month today won’t be enough after 20–25 years?
-The danger of greed and fear in Futures & Options trading
-Why there is no copy-paste formula for individuals or couples?
-How mindset, habits, and consistency actually create wealth?
-This is something people start very late in life or don’t understand early—what did you personally realize about it?
-People in their 40s are worried, people in their 50s are worried, and even retirees are worried—why is everyone struggling in some way?
-For people aged 35–40+: is this the right age to begin retirement (financial freedom) planning?
-Many people believe that investing in their children is their retirement plan—how correct is this thinking?
-For the lower middle class and middle class, who invest heavily in their children, how should they plan retirement?
-For a 35-year-old parent, how much should they invest monthly for retirement?
-Out of a monthly investment amount, how much should be specifically allocated to retirement?
-What about people who started late—around 40 or 42 years old—is it too late for them?
-Should their asset allocation be different because they started late?
-What approach should salaried individuals who start late follow for retirement planning?
-What about people who are not salaried—how should they plan for retirement?
-If someone’s monthly expense today is ₹1 lakh and retirement is after 25 years, how should they calculate the required retirement amount?
-Many say real inflation is 8–9%, especially for education and healthcare—how should inflation be considered?
-How do you design a retirement portfolio when lifespan and healthcare costs are uncertain?
-How important is health insurance in retirement planning?
-Are there any investments that are wrong or unsuitable for people who start retirement planning late?
-Why do even wealthy retirees feel poor after 10–15 years of retirement?
-Can you share a real-life case study related to retirement or financial freedom?

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by Amit Kukreja