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In this episode of UNLOCK with Kunal Jaisingh, finance expert Sanjay Kathuria breaks down India’s upcoming money landscape and what 2026 means for your salary, savings, gold investments and long-term wealth. From why salary growth may slow down, to the rising cost of living, to whether gold can actually touch ₹2 lakhs — this conversation is a complete financial reality check for every Indian planning their future. Sanjay simplifies market cycles, investment formulas, safe assets, high-risk opportunities, and how the middle class can still build wealth even when incomes stagnate. If you’re confused about where to invest, how much to save, or what the next few years look like — this episode gives you a practical, actionable game plan. We also cover: • India’s economic direction in 2025–2026 • The truth behind gold and silver markets • How young Indians can reach financial freedom before 40 • Biggest mistakes in saving & investing • How to deal with inflation and unstable markets • The formula to multiply your money the right way 00:00 — Promo 01:38 — Gold Prices Skyrocketing: What’s Really Happening? 04:24 — Physical Gold vs ETFs: The Smarter Pick in 2025 05:17 — Global Gold Shortage: Why Prices Are Exploding 06:40 — Silver’s Dangerous Swings: Why It Falls 70% 08:04 — Silver & Bitcoin: The Riskiest Assets in India 09:28 — Can Gold Keep Rising? Past vs Future Returns 12:29 — The U.S. Debt Time Bomb: $37 Trillion Explained 15:20 — Global Markets on the Edge: What’s Triggering the Fear? 18:49 — Crypto Tokenization: Will the U.S. Reset Its Debt? 22:00 — How Superpowers Rise & Fall (Ray Dalio’s Cycle) 25:00 — Crypto Allocation: The Only Safe Way to Do It 28:23 — Mutual Funds: Simple Framework for Indian Investors 31:12 — SIP Power: How Wealth Is Built Without Noticing 35:30 — Legacy Wealth: The “Think in Decades” Rule 41:19 — Mutual Funds: How to Pick the Right Mix 45:30 — Portfolio Allocation Strategy for Every Goal 48:58 — Over-Diversification: The Silent Wealth Killer 56:06 — Momentum Investing: High Returns, High Volatility 58:40 — Value Investing: Slow, Steady, Proven Approach 01:00:45 — The Sachin–Sehwag Investing Strategy 01:02:10 — When to Choose Momentum vs Value Funds 01:03:00 — Risk Appetite: How to Choose Your Investing Style 01:03:20 — Building a Balanced Dual-Style Portfolio 01:03:28 — SIFs, PMS & AIFs: The Rich People’s Playbook Explained Click Here To Subscribe! / @kunaljaisinghofficial Subscribe To My Clips Channel: / @kunaljaisinghclips Follow me on:- Instagram:- / kunaljaisingh Instagram:- / unlockwithkunaljaisingh Facebook:- / kunaljaisinghofficial Spotify:- https://open.spotify.com/show/1OnZuuN... #kunaljaisingh #unlockwithkunaljaisingh #unlockpodcast