WISDOMHATCH.

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6 FINANCE
RULES THAT
CHANGED MY LIFE

01
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4% WITHDRAWAL
For every ₹100 of savings, you should
spend ₹4.
Your money would stay the same provided
you can grow your wealth at 10%+.

02
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RULE OF 15*15*15
If you invest 15K monthly at 15% CAGR
for 15 years, It becomes 1 Crore
If your investments beat inflation, you
grow your wealth .
If your investments DO NOT beat
inflation, you do not grow your wealth.

03
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70% SAVINGS RULE

If you are able to save 70%+ of your salary
for 10 years, you can theoretically retire
Provided you do not undertake lifestyle
inflation
Start out by saving 10% of your salary.
And, then with time, move to higher % of
salary saved

04
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IMPROVE EARNINGS
Money making is providing value
More skilled you are, more value to can
add and more money you can make.
Make sure to save your time with your
skills

05
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TIME > > > MONEY

Theoretically, we can make infinite money.
But, all of us have finite amount of time
So keep meetings shorts, avoid unnecessary
drama and don't waste your time.

06
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AFFORDABILITY RULE
With easy EMIs, we could own a lot more
than we can potentially afford
Ask the question “Can afford to buy
something twice?”.
If the answer is NO, don’t buy it even once.

06
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