Monday, January 14, 2019

BnB-E3-Should I pre-pay my homeloan?

In this podcast I am going to talk about a situation where a person with a homeloan has received some lumpsum money and is unable to decide whether one should prepay the loan and become debt-free or one should keep this money and let the loan run through its tenure

I have also developed a tool to figure out each case and the tool is available FREE here. No registration required.

Monday, January 7, 2019

BnB-E2: Why the 4% rule fails in India

While most of the western world swears by the 4% rule for financial independence, this rule falls woefully short in India.
Western FI specialists recommend to accumulate 25 times your annual income and withdraw 4% of it every year to have a never ending income stream. But how will we make this work in an inflation prone economy like India's? Listen to this podcast for a deeper understanding.

Link to original podcast: BnB-E2: Why the 4% rule fails in India

Monday, December 31, 2018

The stress of working? Or not working.

The most important thing that I wanted to achieve through my financial independence journey was to reduce my levels of stress.

 I had been measuring my levels of stress every day using Samsung health app and this is what i have to show you. The decision to quit job and be FI was taken in Nov 18, and see the fail in level of stress. It just nosedived.