You’re Losing Money by Not Following This Advice | Neeraj Arora Explains Why! | KwK #106

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He has over ₹22 Crores in his mutual funds portfolio. Yet, he almost had 0 balance in his bank in 2013, despite clearing CA two years back. Today, he is one of the biggest names in the CA teaching community. He has now taught over 1 Million students across India.

He is none other than Mr. Neeraj Arora, the founder of Edu91 apart from being a seasoned teacher, a finance expert, an author and so much more. In the latest episode of Konversation with Kushal, we discussed all things money, especially regarding investing, loans, credit cards, retirement planning and more.

He was kind enough to share some of his best learnings across his personal finance journey.
If you're looking to grow your wealth, this podcast is a must watch. Don't forget to like, subscribe, and hit the bell icon for more insightful content on finance and investing!

Timestamps:
00:00:00 Introduction
00:02:48 - When Did Neeraj Sir Taste Financial Success?
00:05:13 - The Start of Neeraj Arora Classes
00:09:09 - Transition to Online Classes for Neeraj Arora Sir
00:12:10 - Allocation of a ₹22 Crore Portfolio
00:13:36 - Advantages of Mutual Funds
00:19:30 - Understanding Index Funds
00:26:54 - Understanding ETFs
00:29:43 - Active & Direct Mutual Funds
00:36:13 - Red Flags in the Stock Market
00:41:47 - Investment Tips for a ₹50k Salary
00:44:45 - Investment Tips for Youth
00:54:01 - Best and Worst Investments of Neeraj
01:00:22 - Asset Allocation Strategy
01:04:22 - Why Neeraj Sir Prefers Equity
01:14:08 - Discussion on Car Loans
01:16:00 - The Hilux Story
01:18:39 - How to Use a Credit Card Properly
01:27:53 - BNPL (Buy Now, Pay Later) Explained in Detail
01:32:40 - Understanding Emergency Funds
01:39:06 - Retirement Planning Strategies
01:48:12 - Insurance: What, Why, and How?
02:05:56 - Rent vs. Buying: Which Is Better?
02:16:06 - Active vs. Passive Sources of Income
02:23:55 - Rapid Fire Round

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[themoneypodcast]

It was an absolute pleasure being a guest on your podcast. The conversation was enjoyable. Thank you for the warm welcome and for creating such a great platform for discussion!

[furqanmd]

the one and only neeraj sir audit king...Proud to be student of neeraj sir😃

[pushkarpethe]

Neeraj is amazing. I first saw him with Parimal Ade few years back. Loved his simplicity and way of thinking then, it's been the same even today. Good going, Neeraj. Best wishes. :)

[mohnishpatil]

"Ati dukhi aatma doubt no. 1 "🥰

[ansh.me]

THIS PODCAST IS GOLD! NOTHING LESS THAN THAT!! THANK YOU NEERAJ SIR FOR DROPPING IN THESE KNOWLEDGE BOMBS 🔥🔥

[gaurikasharma]

Jitna Bhi income generation Sir kar rahe hain doesn't matter because Jitne reasonable rates me sir classes provide karte hain that too with top quality utna other teachers double rates mein bhi nahin kar sakte😅....
❤❤😊😊😊

[mrinmoydas]

Fin 91 was your YouTube channel back in 2019. July 2019 I got my first salary and I started investing on index funds 👏

[sachinamin]

One of the best knowledge and realistic video I would say. I have 35 years of experience in market :)

[VarunKumar-uglv]

Neeraj sir conversation always very pleasant to hear..

[panchalnayan]

Thank You Kushal for doing podcast with neeraj sir

[offensive-brat]

great insights into investing, neeraj is such a nice guy, im a fan already.

[Get_Share]

Superb podcast thanks kushal for inviting the Neeraj sir.. we all enjoyed & got too much knowledge & clarity of many topics thanks for arranging all this 🙏 we hope u will do some more podcast with neeraj sir.

[jairathee]

Most Genuine Guest on any podcast and very important questions asked. Thanks to both the gentlemans.

[alokranjanshukla]

Neeraj ji, I don't know you earlier, But I will say, you are very honest.. and thanks to teach finance with honest. Mujhe aisa lga ki mai apne 10th class k teacher se kuch seekh Raha Hun... Basically I feel I was connected my teacher whom I can trust...
Thanks kushal too

[deepanshuparwani]

Sir used equity for investing is he talking about mutual funds or equity shares

[vaibhavsharma]

best was ati dukhi aatma the way @neerajarora sir says in class...

[srpcyberalpha]

Summary ::*)The podcaster have almost 1%-2% of knowledge regarding this specific topic
*) Almost 80% practical, daily life & majority of middle class & poor people advice about financial freedom
*) The podcaster lacks Emotional Intelligence as well as lacks at least minimum finical knowledge to correctly ask questions
*) Here the guest seems to be give knowledge but the podcast couldn't grasp that wave
*) Podcaster sometimes ask sometime good question but with a lagging mindset
*) Overall the Guest is good & this interview is very very much practical & profound, also it will give touch with the majority of poors, middle man family & daily worksers

[MauryaShushma]

kushal ..niraj sir amazing podcast. ❤❤

[unconquered]

y podcast to araam s dekhni ki h save krleti hu exams k baad dekho gi :)

[vinodchowdary]

@Kushal Lodha,

Sir one more point to add, if we take term insurance at a younger age.. the premium will be less and the premium will be the same throughout the term whether it might be 30 years or 40 years.. It actually makes a good impact.

Also, when our age is 30-35 we might be having issues with health then there is higher probability of insurance companies rejecting the term insurance application