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🎙 Ep. 23 | The Chitresh Soni Podcast Guest : @Sanjay_Kathuria Sanjay Kathuria is an Engineer, MBA in Finance, and CFA (2012) with over 16 years of corporate and consulting experience in Real Estate and Finance. I’ve had the privilege of training 200,000+ SMEs and startups in financial strategies that drive success. --------------------------------------------------------------------------------------------------------------------------------------------------------- Connect With : @Sanjay_Kathuria Instagram : https://www.instagram.com/financebysa... Youtube: UCvqttS8EzhRq2YWg03qKRCQ --------------------------------------------------------------------------------------------------------------------------------------------------------- In this eye-opening personal finance podcast, we uncover the real truth about credit cards that banks never tell you. From hidden charges and interest traps to smart strategies that can actually help you build wealth instead of debt, this conversation will completely change how you see credit cards. In this podcast, you’ll discover: 🔹 Credit card lene se pehle kya check kare 🔹 Credit card ka sach jo banks chhupa dete hain 🔹 Minimum payment ka dangerous trap 🔹 Kaise credit cards se debt nahi, wealth banayi ja sakti hai 🔹 Credit score improve karne ke smart tips If you’re using a credit card or planning to get one, this podcast can save you from big financial mistakes. 📌 Watch till the end for practical money tips. 👍 Like, Share & Subscribe for more finance & business podcasts. ------------------------------------------------------------------------------------------------------------------------------------------------------- Connect With Me! 🔻 https://www.instagram.com/chitresh_so... / @chitreshsoni165 -------------------------------------------------------------------------------------------------------------------------------------------------------- Time Stamps : 00:00 - Trailer 01:05 - Introduction 01:10 - Who Is Middle Class 02:37 - Mistakes Many Businessmen Make In India 06:32 - Businessmen Invest In Unnecessary Things 10:46 - Subhiksha (Small D-Mart) Mistake 13:50 - Three Mistakes Every Middle Class Makes 19:16 - EMI Role In Middle Class Life 21:54 - Credit Card And UPI Role In Higher Spending In The Middle Class 26:00 - His Advice To Youngsters 28:40 - Where His Discipline Came From 33:46 - How He Is Different From Others 38:19 - Right Time To Buy A Car And Get Married 42:12 - Right Time To Buy A Home 44:51 - How Much Money To Invest In Marriage 48:32 - Advice To The Middle Class 55:20 - Outro --------------------------------------------------- Disclaimer: This podcast is for informational purposes only. The views expressed are personal and not professional advice. Always consult experts before making any decisions.