Stock vs FD, LIC Scam, Best Mutual Funds, Personal Finance | EP92 | Kirtan A. Shah | OMG With Divas скачать в хорошем качестве

Stock vs FD, LIC Scam, Best Mutual Funds, Personal Finance | EP92 | Kirtan A. Shah | OMG With Divas

On this brutally honest and eye-opening episode of OMG With Divas Gupta, join Divas in conversation with Kirtan A. Shah — Wealth Advisor & Certified Financial Planner — as they decode the financial habits that make (or break) your future. 💸 Why are Gujaratis always rich? 💥 Is LIC a scam? ⚠️ Why FDs may actually be a guaranteed loss 📈 Which mutual funds actually build wealth? 🧠 And why YOU aren’t rich (yet). From Personal Finance 101 to shocking money myths, this is not your average finance talk — it’s a financial awakening. What you’ll learn: The harsh truth about traditional Indian investments How to become financially independent — even if you're starting from scratch Why most people will never get rich (and how you can avoid their mistakes) The right mindset, tools, and strategies to build long-term wealth And why Gold might be your smartest bet today Whether you're in your 20s or 50s, this episode is your roadmap to smarter money, better decisions, and real freedom. 📌 Don’t just earn. Learn how to grow it. 🚀 This is your Personal Finance Masterclass. 🎯 Watch till the end — your financial life might just change forever. #PersonalFinance #KirtanShah #OMGWithDivasGupta #WealthBuilding #FinancialFreedom Timestamps 0:00 - intro 2:04 - The Gujarati Approach to Money & Financial Literacy 3:51 - When Should You Start Investing? 5:49 - The 30-30-40 Rule 09:51 - SIP Road Map for Middle-Class & Why Not FD/LIC 11:34 - Stock Market vs. FD: A Deeper Look at Risk and Returns 14:30 - Benefits of SIPs & The Drawback of Liquidity 16:51 - Investment Discipline for Young Earners & Retirement Planning 19:56 - The Best Approach to Buying a House 28:02 - Importance of Medical Insurance, Emergency Fund & Term Insurance 35:56 - Gold as an Investment: How to Invest 39:35 - Why LIC/Traditional Insurance is Not an Investment 41:59 - Why More Money is Made in Stocks 44:42 - Money is 80% Behavior: The Power of Discipline & Patience 49:22 - How to Start Financial Conversations With Your Spouse 51:43 - Life Planning 53:25 - Planning for Education Expenses 55:18 - Crypto vs Gold vs EPF: What’s the Difference? 1:00:16 - What is a CFP vs. CFA & Career in Finance 1:03:41 - Value of MBA vs. Certifications & Career Choices 1:07:19 - Mid-Cap & Small-Cap Risks and Returns (Long-Term View) 1:09:17 - Why General Investors Should Ignore RBI OMOs 1:12:26 - Commission for Investment Managers & How They Add Value 1:15:19 - Aggressive Investor's Fund Recommendations 1:17:16 - IPOs for Retail Investors: Beware of FOMO 1:19:04 - Five-Year Vision for Portfolio & Rapid Fire Questions 1:21:25 - Financialization & Tax Rationalization 1:24:24 - Patriotism vs. Emigration & Abolishing Direct Tax 1:26:39 - conclusion Clips Channel-   / @divas_gupta   Each clip will bring you quick, simple, and useful content! 💡✅ ☑️ Subscribe To Our Shorts Channel:    / @divasguptashorts   Podcast - OMG with Divas (new episode every week) - https://open.spotify.com/show/3i0xAa0... Website - https://www.divasgupta.com/​ LinkedIn -   / divasgupta   Instagram -   / divasgupta   Facebook -   / stayawesomestayproductive   Telegram - https://t.me/stayawesomestayproductive Register for my webinar: Public Speaking and Communication Skills Masterclass: https://www.divasgupta.com/masterclass 👨🏻‍💻 WHO AM I: Like (almost) every Indian, I am an engineer turned MBA but super proud of the journey. Founded a company, went broke, tweaked things, hustled, made millions within months, and above all impacted 700,000 lives from across 14+ countries. I was never that confident, dynamic and enterprising individual that the world sees me today. Yes! It has been an exciting journey - From being a shy, introverted child who could not even speak his name properly, forget about speaking a sentence, to someone today who as an International Public Speaking Coach helps thousands of individuals optimise their communication skills and speak better. With my roots in Dehradun, I owe my academic strength to Brightlands School that has instilled deep-rooted values in me. These values have helped me serve my students and followers by adding more value to their lives. My two years at IIM Kashipur studying management helped me grow my company and create a global footprint as a coach. In the last 10 years of success and learning, I realized the power of doing than just thinking. Today, I am a summation of what I did, and whom I spent my time with. I am really excited to serve you through my learnings.