Navdha Khera’s Post

If you are under the age of 35, and have a job, chances are you’ve asked these questions before ⬇️ ➡️ “𝗗𝗼 𝗜 𝘁𝗮𝗸𝗲 𝗼𝘂𝘁 𝗮 𝗹𝗼𝗮𝗻 𝗳𝗼𝗿 𝗲𝗱𝘂𝗰𝗮𝘁𝗶𝗼𝗻? 𝗢𝗿 𝗱𝗼 𝗜 𝘀𝗮𝘃𝗲 𝗳𝗼𝗿 𝗶𝘁?” ➡️ “𝗛𝗼𝘄 𝗱𝗼 𝗜 𝗰𝗵𝗼𝗼𝘀𝗲 𝗺𝘆 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁𝘀 𝘄𝗶𝘁𝗵 𝘀𝗼 𝗺𝗮𝗻𝘆 𝗼𝗽𝘁𝗶𝗼𝗻𝘀 𝗶𝗻 𝘁𝗵𝗲 𝗺𝗮𝗿𝗸𝗲𝘁?” ➡️ “𝗗𝗼 𝗜 𝗯𝘂𝘆 𝗼𝗿 𝗿𝗲𝗻𝘁 𝗮 𝗵𝗼𝘂𝘀𝗲? 𝗜𝘀 𝗘𝗠𝗜 𝗯𝗲𝘁𝘁𝗲𝗿, 𝗼𝗿 𝗿𝗲𝗻𝘁?” ➡️ “𝗦𝘁𝗼𝗰𝗸 𝗺𝗮𝗿𝗸𝗲𝘁, 𝗼𝗿 𝗺𝘂𝘁𝘂𝗮𝗹 𝗳𝘂𝗻𝗱𝘀? 𝗪𝗵𝗶𝗰𝗵 𝗶𝘀 𝗯𝗲𝘁𝘁𝗲𝗿?” We saw a lot of people around us asking these questions, so we thought why not get them answered by our expert himself - Rajkumar Parthasarathy!! In our first round table format, Raj is back to share his insights from his journey to 3 youngsters that have burning questions about their financial dreams and current practices! It is super fun to see youngsters and experienced people exchange thoughts and solutions on financial problems that plague most of us. ‘𝗘𝗻𝗷𝗼𝘆𝗶𝗻𝗴 𝗹𝗶𝗳𝗲 𝘀𝗵𝗼𝘂𝗹𝗱 𝗯𝗲 𝗮 𝗽𝗮𝗿𝘁 𝗼𝗳 𝘆𝗼𝘂𝗿 𝗷𝗼𝘂𝗿𝗻𝗲𝘆 𝘁𝗼 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗳𝗿𝗲𝗲𝗱𝗼𝗺.’ It is common for youngsters to delay financially planning for their future, but Raj masterfully breaks down how you can do that and have fun at the same time with the right practices. Our team put together a small snippet which I really liked! If this resonates with you as well, head on to YouTube for the full video! 🔗 in the comments! P.S. Felt refreshing to be on the other side of the camera for a change! 😆

Yesterday, we crossed 𝟏𝟎𝐤 𝐬𝐮𝐛𝐬𝐜𝐫𝐢𝐛𝐞𝐫𝐬 𝐚𝐧𝐝 𝟏 𝐦𝐢𝐥𝐥𝐢𝐨𝐧 𝐯𝐢𝐞𝐰𝐬 on our YouTube channel! Within a month of the channel launch! 🤩 While this might seem like a small number for a channel, but for us, it is a big milestone.  It shows that our efforts are slowly making a difference to our audience, no matter how small. We started this channel with a clear vision - sharing real stories of how people managed their money, and made the financial freedom dream a reality for themselves... Exactly what PowerUp Money stands for. A big shout out to our ‘Pioneers’ - Rajkumar Parthasarathy Sanjay Kathuria, CFA Lakshmi Narayanan Srinivasan Sumit Ramani Vignesh Kumar Thank you for believing in our vision and offering amazing insights which now shine on YouTube 🙏🏻 We’re committed to making this channel as insightful and informative as possible. Do let us know any thoughts or feedback you have to help us grow! 😊 We are just getting started 🚀 To the team that made it possible - Aditi Khandelwal Akash Jha Hari Krishna Ishan Upadhyay Azariah Kerketta Prateek Jindal 🙌🏼

5 episodes, 5 great conversations and 5 wonderful people. As I reflect on the different conversations I had with these ‘Power Pioneers’ aka people who are now financially free, there were 5 common traits I could see across everyone: ➡️ 𝐅𝐈 𝐛𝐮𝐭 𝐧𝐨𝐭 𝐅𝐈𝐑𝐄’𝐝 People usually mistake reaching their FIRE number, as the time that they quit their jobs. But all of my conversations show that financial freedom and working in their jobs are unrelated. All of these ‘Pioneers’ continue to work - some in their corporate jobs, or some in their passion jobs. But all of them love what they do today. And that is the purpose of money. Buying you the freedom to do what you want. ➡️ 𝐌𝐮𝐭𝐮𝐚𝐥 𝐅𝐮𝐧𝐝𝐬 𝐚𝐫𝐞 𝐠𝐚𝐦𝐞 𝐜𝐡𝐚𝐧𝐠𝐞𝐫𝐬 𝐟𝐨𝐫 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐢𝐧𝐝𝐞𝐩𝐞𝐧𝐝𝐞𝐧𝐜𝐞 Another thing all of them share is their love for mutual funds. Makes a lot of sense since MFs make it very easy to build wealth in long term, and they’re absolutely hassle free for salaried persons. All you need is - the right mutual funds, regular SIPs, discipline to step up investments and patience. ➡️ 𝐁𝐮𝐲𝐢𝐧𝐠 𝐚 𝐡𝐨𝐦𝐞 𝐢𝐬 𝐩𝐮𝐫𝐞𝐥𝐲 𝐚𝐧 𝐞𝐦𝐨𝐭𝐢𝐨𝐧𝐚𝐥 𝐜𝐡𝐨𝐢𝐜𝐞 🏠 In spite of this entire debate on whether buying a house is financially prudent or not, majority of the ‘Pioneers’ I spoke to actually bought a house. But they managed their finances accordingly. Perhaps their journeys got extended by a few years, but personal finance is always personal. The purpose of money is to give you a sense of security. If a house does that for you, so be it. ➡️ 𝐑𝐞𝐠𝐫𝐞𝐭𝐬 𝐚𝐫𝐞 𝐧𝐨𝐫𝐦𝐚𝐥 𝐢𝐧 𝐲𝐨𝐮𝐫 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐣𝐨𝐮𝐫𝐧𝐞𝐲 💵🛣️ All these pioneers have had some regrets in their financial journey. Starting too late, starting lack of investing discipline, not building financial literacy early on, etc. However, the only thing that matters is to improve on your mistakes, and start as early as now. ➡️ 𝐏𝐚𝐭𝐢𝐞𝐧𝐜𝐞 𝐢𝐬 𝐊𝐞𝐲 🔑 These pioneers have stood the test of time by staying in line with two main principles. Discipline and patience. In an age where everyone wants to make money quickly, these pioneers have reflected the thought that “Good things take time”. I call it the '3P rule' i.e. 'Patience promotes progress' :) --- On that note, here’s our 5th episode in the Power Pioneer series with Vignesh Kumar, Director at Cisco. Vignesh is a symbol of working in a job for the love of it. We all work to earn money. But Vignesh underlines a key aspect. It is a lot more important to work so you can buy time, and manage your existing finances more effectively. We give ourselves many reasons why we do the things we do, from studying, earning money, buying a house etc, but ultimately it all boils down to one thing. Happiness. Loved talking about Vignesh’s investment strategies and insights which clear out how he’s made it this far! Here’s a snippet of the podcast, link in the comments for the full video!

“𝗞𝗮𝗺𝗯𝗮𝗹 𝗼𝗱𝗵 𝗸𝗮𝗿 𝗺𝗮𝗹𝗮𝗶 𝗸𝗵𝗮𝗼.” A saying in Hindi that tells us to enjoy our pleasures without showing off 😇. Humility is something that we’re told to follow in our lives but how many of us really do? In our latest episode of Power Pioneers, it was great chatting with Sumit Ramani, Co-Founder and CEO of ProtectMeWell, who reminded me of a very important lesson. Trying to validate yourself to others not only takes a toll on your personality, but also on your pockets! In an age where social media preaches lavish lifestyles and unrealistic goals, Sumit’s ideology is fairly simple. Living under his means, and avoiding the spiral of showing off. This created a significant gap between his income and expenses, which allowed him to invest the rest of his disposable income. "𝗔𝗰𝗵𝗶𝗲𝘃𝗶𝗻𝗴 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗶𝗻𝗱𝗲𝗽𝗲𝗻𝗱𝗲𝗻𝗰𝗲 𝗶𝘀 𝗻𝗼𝘁 𝘁𝗵𝗲 𝗲𝗻𝗱 𝗴𝗼𝗮𝗹 𝗼𝗳 𝗹𝗶𝗳𝗲. 𝗟𝗶𝘃𝗶𝗻𝗴 𝗮 𝗳𝘂𝗹𝗹𝗲𝗿 𝗹𝗶𝗳𝗲 𝗶𝘀." This line deeply resonated with me as he spoke about the financial impact of matching lifestyles with his partner and choosing to prioritise quality time with his family over his path of financial independence. Here’s a small snippet of our conversation. And if you liked it, head over to YouTube to watch the full video - Link in the comments! P.S: Did you have an expense that you regret spending on? Let me know in the comments below :)

‘Financial freedom is being able to fire your boss before they fire you.’ 😜 With such zeal for investing and life, Lakshmi Narayanan Srinivasan, Founder of Life Transformers taught me an important lesson on our latest episode of Power Pioneers. "It is always better to be late than sorry." His story was great to hear because it goes against general norms of settling financially early. Loved and equally surprised during my conversation with him when he said that he started working towards financial freedom at the age of 50! After a life changing conversation with a friend of his, Lakshmi moved like a man on a mission, closely analysing the market and his investment options best suited for his needs. I spoke to Lakshmi sir about his investing journey, and he gave me a lot of deep insights about investing with a high-risk approach. His story tells us how important it is to work on your financial literacy, which ultimately led him to cross his retirement corpus just within 7 years, but most importantly, it is never too late. Here’s a small teaser of our conversation! And if you liked it, head on to YouTube to watch the whole video! Link in the comments :) P.S: Have you started your financial freedom? Let me know in the comments below!

“I am a plain simple guy, who bet on India, mutual funds, and kept investing for a long time.” This line, from our second episode of Power Pioneers, deeply resonated with me. Hopefully, this would be my financial freedom story too, 10 years down the line 😉🤞. It was super fun talking to Sanjay Kathuria, Founder of Profits First, who became financially independent by the age of 39. Sanjay’s optimism towards money and life, along with his energy, is what makes this podcast so entertaining! We spoke about his ‘Power Age’, his thoughts on real estate investments, SWPs vs SIPs, and so much more! Here’s a small snippet of our conversation… If you liked the snippet, you can watch the whole video on YouTube! Link in the comments :). P.S: What is your Power Age? Share your thoughts in the comments below!

Introducing Power Pioneers! 🥁🎉 Super excited to launch our podcast series “Power Pioneers”, where we share success stories of people who have achieved financial freedom! For our first episode, we invited a very special guest, Rajkumar PR - a financial freedom mentor who achieved financial freedom at the age of 38. I came across Raj’s tweets over 8 months back. The way he used movie references and everyday scenarios to explain financial concepts caught my attention right away! I had so much fun talking to Raj about his journey to financial freedom, his take on emotions in finance, and more… From one of the many conversations we had, here’s a small snippet of our episode where we discuss an important question: “𝗠𝗮𝗿𝗸𝗲𝘁 𝗶𝘀 𝗮𝘁 𝗮𝗻 𝗮𝗹𝗹 𝘁𝗶𝗺𝗲 𝗵𝗶𝗴𝗵. 𝗦𝗵𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗶𝗻𝘃𝗲𝘀𝘁?” If you found this snippet interesting, you can watch the complete episode on YouTube! P.S: Huge shoutout to Azariah Kerketta for lending his expertise in setting up our podcasting journey! P.P.S: Also, have you ever invested at a market high? Share your experience with me in the comments :)

Everyone is talking about 2 things today - 1. Elections 2. The market crash because of the elections Came across many people in the office, all worried about their investments and panic selling… So felt like sharing my thoughts on this… ➡️ Markets rose yesterday, but fell today! Do you want to swim in an angry ocean? ➡️ Will this volatility really matter? 'NO', in the long run. Let’s zoom out, and look at the long term. Nifty returns after elections may be volatile but over time, the markets will continue to grow your money! Abki baar, SIP karo yaar :) Image courtesy: Zerodha

A journey that we began over 8 months back at PowerUp Money, with a simple goal in mind, but a huge one to achieve. . . . To help Indians get better with their finances. But how does one get better with money? By learning more about it. And let me share the most interesting fact about learning about money - It is NOT rocket science. Just 20% of the financial knowledge can lead to 80% of your wealth creation! Understanding simple concepts like compounding, things you probably ‘know’ but never ‘feel’, can grow your money exponentially. And this is what went into building the core of Power Academy. Personally, heading Power Academy felt more like being a student than an educator, always learning and growing. Talking to the PowerUp Money team and rewinding all the memorable moments was a blast - we reflected on our journey, our mission, and the fun we’ve had. Take a peek at what went on behind the scenes in creating Power Academy. I hope you enjoy it! My DMs are always open for your feedback. 😊 Prateek Jindal Divyen Jain Richa Naik Snehanshu Harsh Aayushi Bhardwaj Sangram Sawant Akshat Shah Ishan Upadhyay Hari Krishna Akriti Hamirwasia