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Money Matters is a series where I have conversations with normal people such as you and I, on your personal finance issues. It is important to note that I am NOT a financial expert, I am NOT SEBI registered, and I am NOT qualified to give financial advice. Everything that I say in these videos is purely through my own experiences.

So these videos do not offer any stock tips, or specific mutual fund recommendations or get-rich-quick schemes. I am not selling any product or service through these videos.
None of the brands that I mention in these videos have paid me to mention them, unless I explicitly say so (and I will say if the video is sponsored).

This also means that my advice may not always be the right advice. So incase I make a mistake, the best way to correct me will be to share your point of view in the comments, so that everyone can benefit from it.

I am not perfect, nor claiming to be either and would love to learn and grow. The idea is simply to help people with their finance journey and through their story try to help others who may have a similar story.

In this episode of Money Matters, I spoke with Rutuja. On a salary of around ₹23,000 a month, she has no loans, supports her younger sister's education, has taken insurance for herself and her sister, and sets aside ₹2,000 every single month to invest in her own learning. At an age when most people are still figuring out their first paycheck, she's already running a quietly disciplined, thoughtful financial life.

So this conversation wasn't about rescue – it was about building. We mapped out a simple three-bucket investment plan for her surplus and worked through her three real goals for the next five years: building a small house on her family's land, contributing to her own wedding, and creating a corpus that gives her parents a monthly income once she's married. I also share why she shouldn't rush into term insurance just yet, and why a health cover for her parents matters more right now.

00:00 About Rutuja
01:03 Expectations from Money Matters
02:06 Current finances
09:38 Plan for investment
15:44 Insurance planning
17:55 Closing remarks

#FinancialFreedom #MoneyMatters #warikoo

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Apps I use for Investing:
Ditto – for unbiased insurance buying experience: https://ditto.sh/7u17m0
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.

My bestselling books:
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My gear for shooting this video:
🎥 Sony a7III camera: https://amzn.to/3GtfwCJ
🎬 Sony FE 24-70 f2.8 Lens: https://amzn.to/4klYm82
📹 Sony E Mount FE 24-50mm F2.8: https://amzn.to/3I6LfKy
🎙 Shure SM7B Microphone: https://amzn.to/3Tk5Ygk
🔆 Godox Fill Light 60W: https://amzn.to/4exQvmL
💡 Godox Key Light 150W: https://amzn.to/3TQau6p
📽 Benro IT15 Tripod for Sony a7III camera: https://amzn.to/4km4ZXP

If you buy using the above Amazon links, I stand to make affiliate income from it and 100% of this income is contributed towards the education of kids who cannot afford it.

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