Please click on this link for Pattu's OTR vs NTR comparison calculator:

https://freefincal.com/wp-content/uploads/2024/03/FInal-NTR-vs-OTR-1.xlsx

On this Episode we cover:
- A quick background on this change in tax regime
- How the first investment for most people is for tax saving!
- Skepticism towards the New Tax regime, and why
- Pattu things young earners should select the ___ tax regime
- Whether people behind tax saving products are upset
- Whether with the NTR, people are not investing right
- If there's data about the government collecting lesser or more tax than before
- We discuss Pattu's NTR vs OTR calculator
- We take you step by step through the different entries and deductions
- The different scenarious for switching BETWEEN ntr and otr
- A super useful break even chart - find out where you are in this chart, and then switch to the right regime!
- How are freelancers / small business owners affected?
- Pattu's philosophy on tax ! (something about peanuts)
- How do these regimes affect investments?

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On this Episode we cover: -

Are DINKs and SINKs on the rise?

- What it is important to accommodate for, for DINKs and SINKs
- The Primary difference between those who have kids and those who don't
- Is there a tendency to spend more?
- Do DINKs and SINKs lack motivation for retirement planning?
- Why Pattu thinks DINKs and SINKs need to give back to society (it's not what you think)
- How all this also applies to Parents who have kids with special needs
- The concept of a LIVING TRUST
- Chartered Wealth Managers, and who they're for
- Term Insurance for DINKs and SINKs (and singles), and its challenges
- For SINK couples, can the earner buy two insurance policies?
- Why Insurance is painful for freelancers and no earning
- Medical Insurance - How to treat bank accounts for couples
- Secondary streams of incomes for DINKS and SINKs

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

On this Episode we cover: -

• Who exactly is this episode for - are you a dreamer?
  - Pattu talks about a web series and a Jeff Bezos quote
  - Stock market risks pale in comparison to Career risks
  - Living a life that is a VERSION of your dream seems to be fine
  - Why it is so important to take the biggest risks in your 20s! Go for it!
  - Just like not taking risks in investing, there is a severe risk of not pursuing your dream!
  - What you need to be very clear about : Whether it is really a dream or a _____
  - Introspection is so crucial to realising what you really want
  - Something tangible: a cash flow chart - Insurance
  - How the greatest inventions, technologies and pieces of art have been created by people who don't plan at all!
  - The fuel that Pattu's parents gave him
  - The students that Pattu teaches at IIT
  - If you see your education as an investment, you will put undue pressure on yourself

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On this episode Pattu and Sid are joined by Deepak Mistry, an Automobile Industry veteran (currently with Audi India), and we cover:

- why Pattu was hesitant about this episode
- how Pattu moves around in Chennai !
- are Indians buying cars for utiliy or status?
- Is it time for India to control the number of cars on our roads?
- thumbrules for first time car buyers
- Pattu gives us a thumbrule for the value of your car
- Deepak counters Pattu's thumbrule !
- Pattu gives us a timely reminder about retirement !
- EMI thumbrules
- Pattu suggests a used car - but Deepak thinks a used car makes sense only if ___
- Does a 3 year EMI plan makes sense or a 7 year EMI plan ??
- What makes more financial sense - to flip your car within 3 years, or run it into the ground?!
- Environmental impact of constant churn of vehicles
- How does a first time car buyer select car insurance?
- Zero depreciation and is it important?
- An approach to maintenance and its costs
- In 2024, should you buy an EV or an ICE car?

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On this episode we cover:

- The difference between immediate secondary income, and building for the longterm
- Or is there a difference?
- Becoming an expert
- Should secondary income begin at the start of your career?
- The perfect ingredients to begin with - creativity and helping others
- What do you do after a long hard day at work, put your feet up and watch netflix?
- What do online creators get wrong?
- Pattu's thoughts on the ads that say "Join my masterclass!"
- How to build long term trust
- Is there a process to identifying what I am good at?
- Another golden PATTU THUMBRULE!
- Being active in your retirement
- How branding for your expertise is so important
- At the end, the most important thing to building secondary income is being ____

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On this episode we cover:

- How to quickly summarize the interim budget 2024
- Whether interest rates will go up
- Vignesh's question on probability of equity markets outperforming inflation
- Pattu's answer - no idea!
- Indian stock market still in it's early days vs US which began in 1870
- Analysis of absolute returns and rolling returns on the S&P 500, so it's not rosy there either!
- We analyse the Indian stock markets
- What is the guarantee bad times will not come - no Guarantee!
- Pattu's detailed study on Japan
- How household consumption is a good indicator
- The potential in India for the next 20-40 years
- India's biggest asset
- The two challenges facing India
- How stock market growth comes at the cost of the environment!
- Does investing philosophy change for places that have flat growth?
- Emotional intelligence
- Information diet and how important it is

Link to slides/graphs mentioned in the episode:
https://drive.google.com/file/d/1EFccB66MHAUEWj2mP7AvvsR54IBQaAEr/view?usp=sharing

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On this episode we cover :

Divakar's story and reason for writing in

Should one be extra safe after hearing a story like this?

Pattu talks about 'clumped' returns

We must be ready for losses

How inflation could be different for different people (depending on their goals)

Laser focus on just one thing: The Corpus

Virtual Pattu and Sid vs a Real world example - what truth should Divakar believe

Emotional Logic and what it means

Go through the pain - Scars tell us that the past was real

Pattu's advice for Divakar's friendPattu feels that most index fund investors will never be successful. Find out why!

Stop losses, and when they are relevantDoes thinking of the worst case scenario help while investing?

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