Karz se Ameer? 💸 | The Secret Formula of the 1% | Dr. Anil Lamba Financial Wisdom | Episode 17 скачать в хорошем качестве

Karz se Ameer? 💸 | The Secret Formula of the 1% | Dr. Anil Lamba Financial Wisdom | Episode 17

. Is podcast mai personal finance, business growth mein debt ka role, aur India ki pre-1991 economic history ko detail mein discuss kiya gaya hai. 1. Debt (Udhaar) Bura Nahi Hai Dr. Lamba clear karte hain ki debt ya leverage koi buri cheez nahi hai. Aksar log proudly kehte hain ki unki company "debt-free" hai, lekin agar business grow nahi kar raha hai, toh isme proud hone wali koi baat nahi hai. Equity vs Debt: Unka man-na hai ki equity, debt ke comparison mein almost teen guna zyada expensive hoti hai. Golden Rule of Debt: Udhaar lene mein tab tak koi problem nahi hai jab tak aap us paise ko aisi jagah deploy karein jahan return, cost of debt se zyada ho, aur debt chukane ke time se pehle woh paisa wapas aa jaye. Scale up karne ka tareeka: Agar aapke paas 100 crore hain, toh pehle apna paisa lagaiye aur phir 200 crore ka debt lekar 300 crore ki company start kijiye, taaki aap fast grow kar sakein. 2. Cost of Capital aur ROI (Return on Investment) ka Sach Dr. Lamba point out karte hain ki 98% business owners ko apna "cost of capital" (paisa lane ki cost) hi nahi pata hota. Business Owners ke liye advice: Ek business sirf ek primary stakeholder ke liye chalaya jata hai—aur wo hai Owner. Agar business mein sabhi ko paisa mil raha hai (employees, vendors, bankers) lekin owner ko high return (30%, 40%, 50% ROI) nahi mil raha, toh wo business sustainable nahi hai. Profit Margin vs ROI: Log ROI aur Profit Margin mein confuse ho jate hain. Agar aapke product par sirf 1% profit margin hai, lekin aap us capital ko saal mein 52 times rotate kar sakte hain (buy-sell cycle), toh aapka actual ROI 50% se zyada ho sakta hai. 3. Inflation (Mehangai) aur Real Interest Rates Puraane zamaane mein logon ko FDs par 15%-16% interest rate milta tha, lekin Dr. Lamba explain karte hain ki tab inflation bhi 10%-12% ke aas-paas hota tha. Real Rate of Interest: Hamesha "Real Rate of Interest" (Interest rate minus inflation) dekhna chahiye. Aaj ke time mein agar FDs post-tax 4-5% return de rahi hain aur inflation 10% hai, toh real rate of interest negative hai. Aise mein log bank mein paisa rakh kar actually apna nuksan kar rahe hain. 4. 1991 se Pehle ka India (License Raj) Dr. Lamba ne 1991 se pehle ke India ka vivid description diya hai jab desh ek "closed economy" tha aur har naye business ya expansion ke liye licenses chahiye hote the. Us waqt monopolies hoti thi—jaise udne ke liye sirf Air India, chalane ke liye sirf Ambassador ya Fiat, aur insurance ke liye sirf LIC. Bajaj scooter book karne ke baad 7 se 8 saal ka waiting period hota tha aur usme saalo tak koi innovation nahi hoti thi kyunki koi competition hi nahi tha. 1991 Liberalization: India lagatar Balance of Payment crisis se guzar raha tha (forex reserves khatam ho gaye the). IMF ke pressure aur conditions ki wajah se India ne apni economy ko open kiya, jiske baad hi desh mein asal boom aaya. 5. Stock Market History aur Harshad Mehta Physical Shares Era: Pehle physical shares aur transfer forms ka use hota tha jisme apna naam register karwane mein mahino lag jate the. Companies ko pata hi nahi hota tha ki unke actual owners kaun hain. Iska fayda utha kar Lord Suraj Paul jaise logon ne Escorts aur DCM jaisi companies ka hostile takeover karne ki koshish ki thi. Retail Market Boom: Dhirubhai Ambani ne IPOs ke through stock market ko aam janta (retail investors) ke liye glamorous banaya tha. Harshad Mehta Scam: Dr. Lamba batate hain ki Harshad Mehta ne market mein boom laane ke liye banks se "Bank Receipts" (BRs) ka use karke un-limited paisa uthaya tha aur market mein pump kiya tha. Unka kehna hai ki jab market crash ho tabhi shares kharidne ka sahi time hota hai. #financialfreedom #wealthcreation #entrepreneurship #moneymanagement #passiveincome #personalfinanceindia #richmindset #investmenttips #successmindset