Money Mind | Nitesh 📈

@DearS_o_n Everyone talks about fighting for more money. Very few talk about fighting the urge to overspend, panic sell, or compare themselves with others. That's a battle worth winning. #MoneyMind 📈

Your life is war. Getting a woman is war. Getting more money is war. Having and keeping a strong reputation is war. Everything is war for a man. Be a warrior.

@TosinOlugbenga There's nothing wrong with rejecting an offer that doesn't meet your expectations. There's also nothing wrong with an employer finding someone who accepts it. The market eventually finds its balance.

So we offered 250k to someone who just finished NYSC for an internship role fully remote. SHE rejected it. That’s what you get if you know your worth right? No wahala, another person took it.

@tii_bag Flexibility isn't a perk anymore. For many employees, it's part of how they evaluate a workplace. The companies that adapt will have an easier time attracting and retaining talent.

Gen z employee: Can I work from home for only tomorrow? I have some personal errands I need to run in the afternoon. HR: Our company policy does not allow working from home Gen z says Ok and shows up for work next day. 3 days later... HR: Yesterday an important client...

@KhapreVishal What do you think?

If You have ₹50 lakh. Option A: Buy your dream house. Option B: Invest it and continue renting. What will you do? 🤔

Today, I came across a post that made me think. A 36-year-old pregnant woman wrote that she and her husband earn over ₹2 lakh a month. Yet they don't own a home. Not because they can't afford one. Because they can't agree on their financial future. It reminded me of something important... Money problems don't always come from a lack of income. Sometimes they come from a lack of shared goals. One partner wants security. The other wants flexibility. Neither is necessarily wrong. But without a common financial vision, even a high income can create stress instead of peace. The best investment a couple can make isn't just in real estate or mutual funds. It's in having honest conversations about money before life makes those decisions for them. What do you think? Is buying a home essential, or should financial freedom come before home ownership? #MoneyMind ❤️ #PersonalFinance #Marriage #FinancialPlanning #Investing

You made $1M, this is how much you keep after taxes* 🇦🇪 UAE — $1,000,000 🇲🇨 Monaco — $1,000,000 🇰🇾 Cayman Islands — $1,000,000 🇭🇰 Hong Kong — $850,000 🇸🇬 Singapore — $780,000 🇺🇸 USA — $680,000 🇨🇭 Switzerland — $670,000 🇮🇳 India — ~$600,000 (approx.) 🇬🇧 United Kingdom — $575,000 🇦🇺 Australia — $565,000 🇩🇪 Germany — $555,000 🇨🇦 Canada — $540,000 🇪🇸 Spain — $535,000 🇳🇱 Netherlands — $520,000 🇦🇹 Austria — $500,000 🇫🇷 France — $495,000 🇯🇵 Japan — $490,000 🇧🇪 Belgium — $485,000 🇸🇪 Sweden — $480,000 🇫🇮 Finland — $475,000 🇩🇰 Denmark — $445,000 *Approximate. Actual taxes depend on income type, deductions, residency, and local tax rules.

@kkashi_yt The goal isn't just to make $1M. It's to understand how much of it is actually yours after taxes, inflation, and expenses. That's real wealth planning. #MoneyMind 📈

You made $1M, this is how much you keep after taxes 🇦🇪 UAE — $1,000,000 🇲🇨 Monaco — $1,000,000 🇰🇾 Cayman Islands — $1,000,000 🇭🇰 Hong Kong — $850,000 🇸🇬 Singapore — $780,000 🇺🇸 USA — $680,000 🇨🇭 Switzerland — $670,000 🇬🇧 United Kingdom — $575,000 🇦🇺 Australia — $565,000 🇩🇪 Germany — $555,000 🇨🇦 Canada — $540,000 🇪🇸 Spain — $535,000 🇳🇱 Netherlands — $520,000 🇦🇹 Austria — $500,000 🇫🇷 France — $495,000 🇯🇵 Japan — $490,000 🇧🇪 Belgium — $485,000 🇸🇪 Sweden — $480,000 🇫🇮 Finland — $475,000 🇩🇰 Denmark — $445,000

@Uvalajnr Whether this story is true or not, the lesson is worth remembering. Integrity is one asset whose value never goes down. #MoneyMind ❤️

My neighbor sold his old car for $3,500. The buyer didn’t even negotiate. Paid in cash, signed the papers, and drove away. Three days later, the buyer came back and knocked on his door. My neighbor thought something had gone wrong with the car. Instead, the buyer handed him an envelope. “I think this belongs to you.” Inside was $18,000 in cash. My neighbor had completely forgotten he’d hidden it under the spare tire years earlier after selling a motorcycle. He was speechless. He told the buyer to keep half as a reward.

@Shahrcasm Interesting if true. But with political reshuffles, I'll wait for the official announcement before believing any "insider" list.

Insider scoop Ragav chaddha to get the HRD Ministry. Harbhajan Singh to get Sports Ministry. One TMC rebel MP will get MoS in Railway One SS Udhhav Rebel MP to get MoS in Agriculture Dharmendra Pradhan might be shifted to Finance Ministry & Nirmala ji as MoS in Defence Minister as Rajnath Singh woul be the next President..

@pokershash A tragedy is a tragedy. People shouldn't have to be well-known or well-connected for their grief to matter.

CM Fadnavis met the father of Ketan Agarwal in Pune. But CM Fadnavis did not find the time to meet the family of Mayank Lohar, even though they are in Mumbai. Mayank Lohar was killed in a local train two days ago. But because his family is not rich or influential, they do not seem to be a priority.

@sunilgurjar01 What stands out to me isn't the price. It's the conviction. Most people wait for everyone else to agree before investing. By then, the biggest opportunity is often gone.

Rakesh Jhunjhunwala’s story on buying Titan shares for the first time: “One day I was sitting in my office and I was very bullish. There was a broker called Daki. He called me and offered me 5 lakh shares of Titan at Rs. 34.” “Now in share market during bull run, there’s premium on lot, but he said that Titan rate is Rs. 34 but I’ll give at Rs. 32.” “So I called my friend Lakshit but he said - Don’t buy the Titan shares Bhaiya, Morgan Stanley has to sell 90 Lakh shares, they’ll come into your house to give it to you.” “Now I don’t keep any huge bank balance so I said I don’t want to leave the damn shares, let Lakshit say anything he wants. Then I arranged the funds and bought those shares.” “I started accumulating slowly and bought around 12.5 Lakh shares. And at Rs. 43-44 price I went to meet the MD, Mr. Bhaskar Bhat.” * Rakesh Jhunjhunwala. 2014. Src: Valuequest YT

@zerohedge Gold rarely gets attention during bull markets.

gold actually acting like gold for the first time in months.

A few months ago, I met a retired gentleman at a tea stall. He wasn't talking about cars, vacations, or luxury. He said, "I just hope I never have to ask my children for money." That sentence changed the way I think about investing. For many people, financial freedom isn't about becoming rich. It's about protecting their dignity. #MoneyMind ❤️

@NalinisKitchen I've been hearing similar stories lately. It reminds me that stock market highs and economic headlines don't always reflect what individual families and small businesses are going through. I hope things improve for those who are struggling.

1 of my relatives running an IT company lost more than half of his clients. 1 of my friends went bankrupt in the stock market. 7 of my friends in IT lost their jobs. 1 of my friend running a beauty parlour is not earning well. 3 of my friends borrowed money from me and are now not replying to my messages. 1 of my relative had to sell his land to repay debt. 1 of my relative had to shift her kids from a private school to a government school due to financial problems. 1 of my friend is struggling to pay his home loan EMI. 1 of my friend had to close his business after continuous losses. 2 of my neighbour has been unable to find a job even after several months. If too many people are struggling to earn, then who is actually winning?

@jokieliu Every country solves some problems better than others. The interesting part isn't the joke—it's asking what we can learn from each other's systems.

European: “I’m dying of heat.” Random Chinese person: “Why not try turning on the air conditioner?” American: “I’m homeless and completely desperate.” RandomChinese person: “Why not ask the police for help?” British person: “My train got cancelled, I can’t get home tonight.” Random Chinese person: “Why not just take the next high-speed train? Or rebook your ticket?”

@CoachDanGo I've made this mistake before. By the time an investment feels "safe" because everyone is talking about it, I remind myself to be extra careful. Markets reward early conviction, not late consensus.

Your farts are telling you something about your gut health. Silent but deadly = bad sign. Loud but odorless = good sign. Here's why you should take it seriously:

@VijayKedia1 I've noticed the same pattern over the years. By the time everyone agrees an asset is "the best investment," a lot of the easy money has usually been made. Following cycles is often more important than following headlines.

Understanding Financial Asset Rotation (Part 1). A Timeless Lesson for Every Investor. Financial assets don't move in a straight line. They move in rotation. Opportunity > Optimism > Narrative > Euphoria > Correction > New Opportunity . The asset class changes. The narrative changes. The cycle changes. But the pattern remains the same. The post-COVID period (2020 - 2026) has perhaps been the clearest demonstration of this timeless pattern. Like many global equity markets, the Indian equity market also recovered strongly after COVID. Between 2021 and September 2024, however, it emerged as one of the world's best-performing major markets, with countless stocks turning into multibaggers. The narrative -India being the world's fastest-growing major economy -was true. But as valuations became richer, optimism gradually turned into euphoria, and investors needed to moderate their return expectations. Market leadership then began to rotate. Real estate gathered momentum. Crypto became the next market darling. Narratives such as digital gold, institutional adoption and a new financial system dominated conversations. Retail participation surged. Optimism turned into euphoria before volatility reminded everyone that no trend lasts forever. Gold then rallied , reinforcing its status as the preferred safe haven asset. Silver followed with even greater intensity. Narratives around AI, solar energy and electrification became increasingly popular. The themes were genuine, but eventually the narrative became larger than the valuation. Euphoria was followed by a sharp correction. Industrial metals such as copper, aluminium and zinc became the next favourites. Electrification, infrastructure, energy transition and AI-driven demand became the dominant themes. Once again, optimism grew, valuations expanded, and these markets have now started softening. The AI revolution then created another powerful wave. Technology leaders, semiconductor companies and markets closely linked to that ecosystem -particularly the US, Taiwan and Korea - became the new favourites. This leadership too will eventually rotate . Different asset classes. Different narratives. Different cycles. Same pattern. Different outcome for investors. A good opportunity creates optimism. Optimism creates a narrative. The narrative attracts more participants. Participation fuels euphoria. Euphoria is followed by correction. And every correction quietly creates a new opportunity.

@andrewchen I already hear people saying, "Just ask ChatGPT." Maybe the verb won't be tied to one company. It'll simply become "AI it."

2002: I'll google it 2015: I'll uber over 2026: I'll GPT it (???). I'll claude it (???) Why haven't we picked the dominant verb for AI yet?

I realized nobody had ever taught him how retirement income actually works. We teach people how to earn. Very few teach them how to live off what they've earned. What's your answer to him? #MoneyMind

How much is enough to retire in India at 57? There isn't one number. It depends on your lifestyle. But ask yourself: • Will your investments beat inflation? • Do you own your home? • Will you have any loans after retirement? • Can your portfolio generate enough monthly income? • Have you planned for healthcare costs? Retirement isn't about having the biggest corpus. It's about having enough cash flow to live without worrying about money. My goal isn't to retire early. My goal is to reach a point where work becomes a choice, not a necessity. What's your number for retirement? 👇📈 #MoneyMind #RetirementPlanning #FinancialFreedom #Investing #WealthBuilding

@Uvalajnr Sometimes we don't lose opportunities. We lose them by believing other people's assumptions. Communication beats speculation. ❤️

friend of mine went on a first date with a woman he met online. Everything was going well until the bill arrived. Before he could reach for it, she grabbed it and paid. He offered to split. She refused. He offered to pay for dessert. She refused that too. The whole thing felt strange. When he got home, he told his friends about it. Most of them said the same thing: “She’s not interested.” So he never contacted her again. Three months later, he ran into her by accident.