Holding too much cash (₹, $) in a bank account is extremely risky since August 15, 1971.

Some learned this the hard way. And others will learn it in the future as they refuse to learn from others' losses/mistakes.

Not all debt is 'good debt'. Roughly speaking,

🏦 Home loan @ 8% = Doubles debt in 9 years.

💳 Credit card interest @ 36% = Doubles debt in 2 years.

Credit cards should only be used by people who don't need them. Paying the pending amount on time is super important.

- @InvestRepeat

Final call for 2025: Join India's best FIRE community.

Inside the group, everyone chasing financial freedom while helping others in the process. Doing this alone is difficult & boring, that's why this group: SaveInvestRepeat.com/community

Physical gold in personal custody is very different from Gold ETFs.

Bitcoin stored in a self-custodial wallet is very different from Bitcoin ETFs, or BTC held in an exchange.

Few understand these.

Most of Indian middle-class have:

Car Loan: ₹8-12 lakh
Wedding: ₹15-20 lakh
Home Loan: ₹40-60 lakh
Education Loan: ₹10-20 lakh
Other EMIs: ₹5-10 lakh

That’s ₹1 Crore+ in spending/debt even before reaching 30.

This is a lifetime debt-trap for many young Indians.

- @InvestRepeat

If you could really see how I spend my day-to-day time, you would say "this is boring"

And you're actually right. This 'boring' is the reason why I am the wealthiest, healthiest & happiest I have ever been.

What most call boring is actually discipline.

🕉 Hinduism is one of the most decentralized religion in the world.

It doesn't have 1 official god.
It doesn't have 1 official guru.
It doesn't have 1 official book.

And that's why it survived so many attacks by centralized entities in the past & will continue to do so in the future.

I keep getting questions about best supplements for health, I have a free & open source Study Material on it: SaveInvestRepeat.com/health

Tata Consultancy Services (TCS)

2024 Dividend: ₹75/share
2025 Dividend: ₹128/share

Dividend Growth: 70%
Salary Growth for employees: 5%

Employees - they're working for money.
Shareholders - money is working for them.

- @InvestRepeat

Last day of 2025 - Great time to sit & check out this year's income.

If 2025's income is 10% more than 2024's income, you have done decently.
If you added at least 1 new income source, then you have done great.

Continue the momentum. But if one of the above you couldn't achieve, please start focusing on increasing "income" & "income sources".

In case you're confused where to start, please check the study material: SaveInvestRepeat.com/income

Make 2026, one of the highest "income" year for you.

If you don't understand the concept of losing "purchasing power", this is for you.

How much gold you would get for ₹1 lakh:

2015: ~38 grams
2020: ~21 grams
2025: ~8 grams

Without preserving purchasing power, you can't build wealth.

- @InvestRepeat

Just saw, currently 50% discount ongoing on GoSats Elite Card.

A VISA debit card that pays cashback in gold or bitcoin (instead of INR or points).

So you gain more if price of gold or BTC goes up. In case you want to check, I have wrote in detail about it already: https://www.saveinvestrepeat.com/how-to-earn-bitcoin-in-india/

Time ⏳ = Money 💵

You should calculate how much your time is worth. And do everything possible to increase that.

Example:
Your monthly income is ₹30,000. So your hourly value is just ₹41.5. Your single focus should be to increase that hourly value.

- @InvestRepeat

In 2004, STT was introduced & LTCG removed.

In 2018, LTCG was reintroduced.
In 2024, LTCG was increased.

One was meant to replace the other. But now both STT and LTCG exist for equity.

- @InvestRepeat

✅ Don't forget to join SIR's WhatsApp channel: https://whatsapp.com/channel/0029Va9aeRjHQbS9P2Akma2p

All the best posts are collated there for easier access.

If you're an Index Fund / ETF investor, you will never feel like No. 1

One year, Growth funds will win.
Then, Value funds will win.
Then, momentum funds will win.
Then, some others will win.

In 10+ year time frame, you'll see you're always in Top 5 without doing anything.

IndexFundInsights.com

You have just received your salary.

Don't forget:
⚡️ Save 'minimum' 30-40% of it.
⚡️ Don't leave all of it in Savings account or FD.
⚡️ Invest in yourself first (Courses, Study Materials, gym etc.)
⚡️ Invest most of that savings as per your asset allocation in index funds, gold, bitcoin.

Be financially disciplined in 2026.

- @InvestRepeat

Monthly SIP: ₹1,00,000
Annual Return: 12%
Years: 10

Amount invested: ₹1.2 Crore

Approx gains
Without inflation: ₹1 Crore
Inflation adjusted: ₹43.3 Lakh

Inflation cuts your gains by more than half.

- @InvestRepeat

Paid online courses or books are much better than free ones.

It's not about the content in Paid Vs. Free, but how the brain reacts.

Once your brain knows that you paid ₹999 for an online guide, your brain will give its best to suck every piece of knowledge out of that guide.

- @InvestRepeat

3 magic words for everyone trying to achieve financial freedom while residing in India: SaveInvestRepeat.com/community

So many men in their 20s are wasting their entire lives trying to find a woman.

Then they end up marrying someone while they're still broke & get divorced eventually.

Apps like Tinder & Bumble have made this entire path to destruction, more fun & gamified.