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Follow the steps in the video and download the Retirement Planner from this link: https://bit.ly/RetirementPlanningSheet
I recently watched a podcast where wealth manager Sandeep Jethwani was asked a simple question: if I'm 40 and spend roughly ₹2 lakh a month, what retirement corpus do I need at 60? His answer dropped like a bomb - ₹40 crore. The clip went viral, and the internet did what it does best: mocked it. But Sandeep isn't a content creator chasing reactions. He has spent 17 years in wealth management, founded a SEBI-registered firm managing thousands of crores, and sits on SEBI working groups. So if he says ₹40 crore, he isn't saying it in a vacuum. In this video, I get inside that number - why he assumed 9% inflation instead of the government's 6%, and whether that assumption actually holds up against the real cost of urban healthcare, education and lifestyle today.
Then we open up Excel and stress-test the whole thing ourselves, building a proper retirement model that accounts for asset allocation, taxes, and the crucial fact that your corpus stays invested and keeps growing even after you retire. I show how a 25-year-old investing just ₹10,000 a month - growing it 5% a year - can comfortably last a lifetime, and why someone starting at 40 might need ₹2.5 lakh a month to reach the same place. The honest conclusion: it may not be ₹40 crore, but ₹30–35 crore is still very real if your inflation is high. So I close with the only strategy that actually works depending on where you are in life - why those earning under ₹50,000 must focus on growing income, not just investing, and why higher earners must hold their investment percentage steady as their salary climbs.
#PersonalFinance #RetirementPlanning #warikoo
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Apps I use for Investing:
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Zerodha - for Indian Stock Investing: https://zerodha.com/open-account?c=ZMPHCY
Coin by Zerodha - for Mutual Fund Investing: https://zerodha.com/open-account?c=ZMPHCY
The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. Over 5 years we have contributed 1.96Cr in helping kids continue their education.
DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions.
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My gear for shooting this video:
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🎬 Sony FE 24-70 f2.8 Lens: https://amzn.to/4klYm82
📹 Sony E Mount FE 24-50mm F2.8: https://amzn.to/3I6LfKy
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🔆 Godox Fill Light 60W: https://amzn.to/4exQvmL
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📽 Benro IT15 Tripod for Sony a7III camera: https://amzn.to/4km4ZXP
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