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In this powerful podcast episode, Vishal Malhotra sits down with India’s favorite finance educator Rachana Ranade for an unfiltered conversation on money, mindset, mistakes, FIRE (Financial Independence Retire Early) and mental health.

She talks about:

How she started SIPs with ₹3000 from a ₹20,000 salary 💰

Why retirement planning is more important than kids’ education 🧠

Her personal health struggle despite massive YouTube success 📈

Emotional moments, mindset shifts & balancing life ❤️

Whether you're in your 20s, 30s or 40s – this episode has life-altering insights.

👇 Drop your favorite moment in the comments & share with someone who’s chasing financial freedom.

🎧 Also available on Spotify

Timestamps & Chapters:
00:00 – Start & Rachana’s financial mindset on retirement vs education
03:00 – What are treasury bills & why safety matters in short-term goals
05:00 – Dream big, but plan smarter (SIP for vacation, child’s education)
07:30 – Diversification strategy: equity, debt, gold, multi-asset funds
10:00 – Her first paycheck & investing journey (from ₹3000 SIPs)
13:00 – Why step-up SIP is a game changer
17:00 – FIRE decoded: Rachana’s take on retiring at 40
21:00 – Best sectors for 3-5 years: Banking, Healthcare, Telecom, Power
29:00 – Power of SIPs in Tier 2/Tier 3 cities & women’s financial literacy
32:00 – Personal struggle: Rachana opens up about mental stress & rashes
36:00 – Ayurveda, Panchakarma, nutrition & life transformation
40:00 – Health as the #1 priority in her life now
42:00 – Final thoughts & emotional thank you ❤️


The Vishal Hour hosted by Vishal Malhotra is a break from the conventional talk shows, featuring your favourite icons and bringing out their true authentic self, with no filters Never Seen Before!

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