1. Where do we stand? How can an individual understand their current financial address and net worth?
2. Is the Loan Ratio the same for everyone? Does it vary between Tier 1, Tier 2, and Tier 3 cities?
3. What is the rule for EMI? Is it true that total EMIs should not exceed 35-40% of in-hand income?
4. How do we check our “financial soil”? Beyond debt, what other strengths or weaknesses should we look for?
5. When should I start an Emergency Fund? Do I need to make it as soon as I get my first job?
6. How much should be in the fund? Is there a specific assessment an employee can do for themselves?
7. Is Insurance necessary? How does it protect our savings from being drained?
8. How do we set goals? Can we use the analogy of farming (short-term crops vs. long-term trees)?
9. What if our goals change? How do we handle wanting a 20 lakh car when we originally planned for a 10 lakh car?
10. Should Gen-Z save for their own wedding? Is it time for the younger generation to stop relying on parents and invest for their own marriage?
11. Why avoid Gold/Silver for the short term? You said not to invest there, but isn’t it considered a “Safe Haven”?
12. What is the “Thrill Investing” rule? How do we handle “FOMO” (Fear Of Missing Out) without going broke?
13. Which goals do people usually miss? What is the one goal that most people fail to plan for?
14. Which fund is best for beginners? For those who don’t understand the technicalities, what should they look for (e.g., 8-10 year track record)?
15. What to do if the market crashes? Should we exit when returns go down, or is there a way to stay confident?
16. How can money work for us? What is the roadmap to reaching a stage where your money earns for you?
17. Is a 1 Crore goal too intimidating? How can a 24-year-old realistically target 1 Crore by age 40, and what happens after that?

Watch How to accumulate 10 Crs starting from 10k on YouTube.

by Amit Kukreja