Why Real Estate Is India’s Worst Investment & Middle Class Is Extinct — Ravi Sinha (4K) скачать в хорошем качестве

Why Real Estate Is India’s Worst Investment & Middle Class Is Extinct — Ravi Sinha (4K)

Ravi Sinha is a journalist turned finance educator and real estate analyst. India’s money conversation is loud yet shallow. If demat growth is up, why are losses so high, why does the middle class feel poorer, and why does everyone except the buyer profit from your first home. We go past hype to map a simple path from skills to security to serious wealth. Expect to learn why most financial advice online is sales in disguise, how to tell awareness from real education, why a ₹1.5 crore net worth does not make you rich, why banks rent their own branches and what that reveals about property ROI, how long it really takes to buy a house without a loan in Indian cities, why degrees often fail the ROI test and skills compound faster, how to sequence your money moves from upskilling to insurance to a two year emergency fund, why gold often beats taxed FDs for emergencies, when to use mutual funds versus direct stocks, the 40 40 20 allocation that keeps you balanced, how to spot pump and dump operators and avoid influencer stock tips, what genuine finance channels sound like, why many Indian “rich” are EMI dependent, when to buy real estate only after a 3 to 4 crore net worth threshold, how leverage versus liability math can turn a ₹1 crore cushion into compounding, why GST reshuffles change headlines more than burdens, what Switzerland’s time bank says about welfare and happiness, how regulation and incentives shape markets, a clean checklist for media literacy in finance, and much more. #FinancialLiteracy #RealEstateIndia #MiddleClassMyth 🕰️CHAPTERS 00:00:00 - Intro : Ravi Sinha X OP 00:05:55 - Demat Growth Isn’t Literacy: Awareness Versus Education And Bank Mis-Selling 00:11:08 - Weak Regulation And Media Pumping Enable Open Financial Manipulation 00:13:40 - How To Spot Genuine Finance Channels And Avoid Buy-Sell Grifters 00:16:30 - Why Schools Ignore Money And Force Indians Into Costly Financial Self-Learning 00:18:30 - Course Grifts Target Unemployed Youth With Googleable Lessons And Legal Threats 00:20:52 - Debunking Wealth Myths: Crime Narratives, Redistribution Failures, And Knowledge Poverty 00:23:59 - Who Benefits From Your Ignorance And Why The System Prefers It 00:26:01 - Taxes, Welfare, And Happiness: Switzerland’s Time Bank Versus Capitalist Models 00:30:13 - GST Two-Slab Spin: Why Collections Rise And Your Burden Stays High 00:35:05 - India’s Middle Class Myth: Net Worth, Incomes, And Purchasing Power 00:39:10 - Inequality Lowers Happiness And Creates EMI-Dependent So-Called Rich In Indian Cities 00:42:27 - Macaulay Debates Miss The Point: India’s Pre-Modern Education Was Hierarchical 00:46:04 - China’s Learning Model, Elite Hypocrisy, And Why Accountability Is Avoided 00:49:40 - Degrees Versus Skills: The Brutal ROI Math Of Indian Education 00:52:00 - Invest In Skills First, Then Health Insurance Tailored To Your Risks 00:56:39 - Build A Two-Year Emergency Fund, Prefer Gold Over Taxed FDs 01:00:00 - Homeownership Hype: Everyone Profits Except You, While Your Liquidity Disappears 01:04:05 - Compare Asset Classes Honestly: Real Estate ROI, Risk, Costs, Volatility 01:07:10 - Buy Property After Net Worth, Then Take Moonshots With Small Risk 01:10:05 - Follow Incentives, Not Narratives: Operators, Banks, Brokers, Algorithms Mislead 01:12:28 - Why Algorithms Reward Wrong Voices And Genuine Educators Stay Small 01:12:56 - Closing Remarks, Final Warnings, And Thanks To The Audience 🎧 Connect with the Guest    / @track2realty   🎙 Follow Open Playbook YouTube: / @openplayb Instagram: / openplayb