My new book Build An Epic Career is out now! Discover 15 career tools, avoid common mistakes, and build the mindset for career success. Grab your copy here:
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This video comes with an Excel sheet, check here:
In this video, I break down how anyone in their 20s can become a millionaire through disciplined investing. Using a simple Excel sheet, I demonstrate how consistent investments of just 20% of your income – whether you earn ₹25,000, ₹75,000, or ₹1 lakh monthly – can grow to crores over 30 years. I explain my 50-30-20 budget rule and show exactly how to allocate investments across mutual funds, debt funds, stocks, FDs, and gold to achieve average returns of 12-13% annually.
This isn’t about get-rich-quick schemes or gambling with your money. It’s about living a balanced financial life where you fulfill your needs, enjoy your desires, build an emergency fund, AND invest consistently for long-term wealth.
#FinancialFreedom #InvestmentStrategy #warikoo
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My Money Apps:
Indian Stock Investing (Zerodha):
Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free):
US Stock Investing + Investment Tracking (INDMoney):
How to pick the right insurance (Ditto):
The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L, in 2023 we contributed 56L and in 2024 we contributed 43L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions.
My bestselling books:
‘Make EPIC Money’ here:
‘Get EPIC Shit Done’:
‘Do Epic Shit’:
My gear for shooting this video:
🎥 Sony a7III camera:
🎬 Sony FE 24-70 f2.8 Lens:
📹 Sony E Mount FE 24-50mm F2.8:
🎙 Shure SM7B Microphone:
🔆 Godox Fill Light 60W:
💡 Godox Key Light 150W:
📽 Benro IT15 Tripod for Sony a7III camera:
The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L, in 2023 we contributed 56L and in 2024 we contributed 43L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions.
Let’s connect online:
🎙 My weekly podcast Woice with warikoo (Spotify):
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🖋 Daily Blog:
source

This video comes with an Excel sheet, check here: https://bit.ly/InvestIn20s
My new book Build An Epic Career is out now! Discover 15 career tools, avoid common mistakes, and build the mindset for career success. Grab your copy here: https://amzn.to/4hdcQG2
If you wish to be part of the Money Matters series, please fill up this form: https://forms.gle/G3wwgpVjctRneyQv6
My Money Apps:
Indian Stock Investing (Zerodha): https://bit.ly/3iYKROh
Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): https://bit.ly/3iYKROh
US Stock Investing + Investment Tracking (INDMoney): https://bit.ly/3tT5moR
How to pick the right insurance (Ditto): https://bit.ly/3xFh7OU
The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L, in 2023 we contributed 56L and in 2024 we contributed 43L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions.
My bestselling books:
'Make EPIC Money' here: https://amzn.to/3WHJ43F
‘Get EPIC Shit Done’: https://amzn.to/4fK1IR5
‘Do Epic Shit’: https://amzn.to/4fK9uuv
My gear for shooting this video:
🎥 Sony a7III camera: https://amzn.to/3GtfwCJ
🎬 Sony FE 24-70 f2.8 Lens: https://amzn.to/4klYm82
📹 Sony E Mount FE 24-50mm F2.8: https://amzn.to/3I6LfKy
🎙 Shure SM7B Microphone: https://amzn.to/3Tk5Ygk
🔆 Godox Fill Light 60W: https://amzn.to/4exQvmL
💡 Godox Key Light 150W: https://amzn.to/3TQau6p
📽 Benro IT15 Tripod for Sony a7III camera: https://amzn.to/4km4ZXP
The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L, in 2023 we contributed 56L and in 2024 we contributed 43L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions.
Dada…tamralipto and arambag medical college er modhey konta best hobey..?…amar bari 50 km tamluk theke…
Main. Ek 20 years old boy main tution se 5000 income karata hun or isma se 1000 sip start kara raha hun Aug 13 2026 kay main thik kar raha hun
sir to get rid of inflation can in invest my mutual funds money into gold or other good stocks ? which helps to maintain the same amount.
does this excel sheet works on Nepal ???????????
Nice video sir 😅😊
moral of the story ki Billionaire nhi ban paaye 😒😒
BTW thankyou for calculation😊😊
What if there is WORLD WAR during 10-20 years..?
What about the increasing mahngayi and lifestyle 😕 .?
Agar ye paisa hum Switzerland ma invest kare to inflation sa be bach saktee haa 10 Saal bad ke 18 lac ajj ke 10 lac ke barabar hogee magar Switzerland ma 18 lac ajj ke 18 lac he hogaye
It's very useful, Thank you sir🙏🏻
Ye invested amounts ka tax bhi bharna hoga kya
20 years old today completed 1 lakh portfolio milestone being a student it is very tough for me with zero income source
But sir agar 10,20 ya 30 sala bad rupee ki keemat bhadi to hmare roi ki value bhi to Bhadegi😅
Thanks, much appreciated but 10% step up every year is not easy. Kindly also tell the SIP amount for 30yrs whenever there is a step up because its huge.
All Time Great Professor To Money Management, Capitals And Much More Also …. This Topic Every Person Must Have Their Lifes…
sir yeh excel skill sikhne hai
Sir talk about halall. Muslim
Investment se rich nahi hote , it's a type of saving 😂😂
How can i open this sheet in excel?
1% for travel. 50k ka 1% is 500. Kaha ghumne jao usme me?
Hiw to download the sheet
I love how the editors left the hind counting bloopers in