How He Achieved Retirement with ₹2 Crore in His 50s

Join Us for an Inspiring Conversation with Naveen Fernandes!

In this episode, we sit down with Naveen Fernandes—a Financial Advisor, Teacher, and a Cancer Patient—who shares his remarkable journey of managing finances while facing the challenges of costly medical treatments.

Learn how he prepared financially for the future of his wife and kids while navigating this difficult phase.

Naveen opens up about his disciplined investment strategies, wealth-building experiences, and approach to financial planning. He provides valuable insights into bond markets, market trends, and the key factors that influence smart investment decisions.

Whether you're looking to enhance your financial knowledge or find inspiration from a story of resilience and preparedness, this episode is packed with actionable takeaways.

Watch now! Don’t forget to like, comment, and subscribe for more stories that educate and inspire.
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Timestamps:
0:00 - Episode Highlights
1:06 - Introduction to Naveen
2:02 - Naveen's Initial Investment Approach and Corpus Amount
3:00 - Naveen's Preferred Investment Instruments
4:06 - Growth of Naveen's Corpus Over the Years
4:59 - Life After Achieving Financial Freedom
6:32 - Naveen's Cancer Diagnosis: When It Happened
7:41 - Financial Impact of Cancer Diagnosis
9:30 - Key Factors to Consider Before Buying Insurance Policies
10:36 - Recommended Coverage for Health Insurance Policies
11:12 - Role of EPF in Naveen's Financial Journey
12:05 - How Naveen Manages Current Expenses
12:58 - Naveen's Thoughts on Writing a Will
14:05 - Starting Financial Transparency: Naveen's Journey
14:59 - Advice for People in Their Mid-30s
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[nesarag]

Naveen is such a humble great person. He is very courageous to share his health issues and his financials so transparently.
I humbly pray with god give Naveen a great health and happiness for many more decades.
Also love to see he and his wife are fostering two kids.
I learned a lot from him today after watching his interview.
❤️❤️

[mrinal]

Very calm, composed ! I love them as a couple, having clearcut goals and planning in place. Wish them a healthy life together ahead

[MR-jqqv]

Such a nice and insightful interview. Wish Navin and his family all the best. Found the interviewer also well prepared and empathetic.

[giriint]

Amazing couple!

Household expenses curtailed to 30-35k a month and living with no regrets. Its become difficult to live this humbly these days.

[vinay]

I enjoyed this conversation- the couple is so grounded and humble and open about their life events.
Maybe he should do a whole episode on how to arrange health insurance and what to look for; would be super useful given his background.

[shrivatsa]

i can see a calm nana patekar in him . jokes aside . filled vessel seldom make noise . his wisdom and practicality is what i admire

[jaikishansmspl]

Thank you very much for all the sharing. This post contains the wisdom of a dozen posts.

[mantughosh]

Thanks sir for sharing ur financial journey goals This is immensely beneficial... Wish u good health and productive life

[anindosanyal]

This is the most real Interview of one's life(esp financial), which many can relate to

Thanks host & guest Haven Sir. Wish we could have far more detailed discussion for benefit of all.

Take car

[dubram]

Very nice insights and he has a whole lot of positive vibes in him. I pray for him and be cured from the illness.

[amalyadav]

its either a poorly conducted video or a poorly edited video.... there are many things that would be educative to the viewers from the experience of Naveen sir but unfortunately I feel like in the video the interviewer is only interested in superficial questions ....

[SUNDARAMURTHITHIYAGARAJAN]

Madam your asking different questions to the participants has improved compared to the beginning

[mgovias]

Stocks perform better than bonds over a longer time frame so don’t consider bonds. It could be more fruitful to look at dividend grower stocks and those which have a high payout ratio and steadily increase dividends. Index ETFs can generally give substantial returns over time without the hassle of active management

[jacksonjulian]

Apart from health insurance we have an option called super top up which will cover large medical expenses at lower cost

Means we will get that amount if our medical expenses exceeds a limit

For a 25 year old person for a super top policy of 5-45 lakh cost only 3500 rs per year( niva boopa)

[pavankatariya]

Good podcast. Real issues of Will, EPF and Medical insurance. It is just not about ideas of making wealth.

[pjpj]

Sir - please share details on fostering girls from Manipur.

[amarg]

Today 1cr is beginning. Should end up with 100cr

[SiddhibaatNobakwas]

An opportunity wasted by the host. Finance is also about talking to spouse. How she supported him through out the journey was important too. Mam was left to stare at them. Additionally, poor language and grammatically wrong while talking to seniors - Gotit, Wanted to know, would.