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➡ Recommend A Guest For Our Podcast Here - https://forms.gle/eotmhzWMx6KpJQH86 ➡ Join This Group To Be Invited To Future Offline KwK Events in Mumbai: https://chat.whatsapp.com/F3MbHDPwTwC... In this inspiring episode, host Kushal Lodha sits down with Niraj to explore his incredible journey of resilience, financial wisdom, and wealth-building strategies. From clearing CA exams under life’s toughest circumstances to achieving 20% CAGR in mutual funds, scaling SIPs from ₹20,000 to ₹3,00,000/month, and smartly leveraging credit cards for savings — Niraj shares practical insights on income growth, tax planning, and investments. Perfect for anyone looking to grow financially smarter and live debt-free. Don’t miss the strategies that helped clients grow net worth from ₹40 lakh to ₹5 crore, along with actionable tips on SIPs, NPS, PPF, EPFO, and tax hacks. Subscribe for more insightful conversations on finance, wealth creation, and success stories with Kushal Lodha! #KushalLodha #Niraj #FinancePodcast #MutualFunds #WealthBuilding #InvestingTips #PersonalFinance #TaxPlanning ➡ Order my book 'Acing CA' here: https://www.amazon.in/dp/8195816886?r... ➡ Order my book 'Unlocking Unicorn Secrets' here: https://www.amazon.in/dp/0143461605?r... Follow Kushal Lodha on Social Media: 📝 LinkedIn: / kushallodha548 📷 Instagram: / kushallodha548 📱 Twitter: / kushallodha548 Follow Niraj Dugar on Social Media: 📷 Instagram: https://www.instagram.com/nirdugar?ig... 📱 Twitter: https://x.com/contliving Timestamp: 00:00 – Trailer & Introduction 02:21 – Niraj shares his CA & Finance journey 04:54 – How Niraj rectified his financial mistakes 06:46 – Niraj's Mutual Funds returns & investment strategy 09:45 – Niraj's SIP investment growth 11:23 – Secret to double your salary every 3 years 13:30 – Niraj's Asset Allocation 14:08 – Are NPS & PPF still worth it? 21:36 – Other ways to reduce taxes 25:43 – Tax loopholes used by individuals 30:35 – Niraj's client success stories 33:00 – Credit card tips and tricks 38:37 – How Niraj uses credit cards 46:25 – Free travel & stay through credit cards 49:06 – Buying a car at discount using credit cards 57:20 – Credit card & online scams you need to be aware of 1:07:12 – How much money can be saved through credit cards 1:10:02 – Why budgeting will keep you poor : Niraj 1:14:22 – Best & worst credit cards as per Niraj's experience 1:25:16 – How couples should plan finances 1:26:23 – Cost of credit cards 1:30:13 – Niraj's opinion on No-Cost EMIs 1:31:28 – Benefit of UPI Credit cards 1:33:28 – Niraj's controversial tweet in 2024 1:36:53 – Why Hyderabad is one of the best cities: Niraj 1:39:04 – Biggest mistakes made by youngsters in India 1:44:12 – How even salaried individuals can make ₹10 Cr. Corpus 1:46:50 – What would Niraj ask himself 1:48:49 – Conclusion 1:49:11 – Outro #kushallodha