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In this inspiring episode, host Kushal Lodha sits down with Niraj to explore his incredible journey of resilience, financial wisdom, and wealth-building strategies. From clearing CA exams under life’s toughest circumstances to achieving 20% CAGR in mutual funds, scaling SIPs from ₹20,000 to ₹3,00,000/month, and smartly leveraging credit cards for savings — Niraj shares practical insights on income growth, tax planning, and investments. Perfect for anyone looking to grow financially smarter and live debt-free.

Don’t miss the strategies that helped clients grow net worth from ₹40 lakh to ₹5 crore, along with actionable tips on SIPs, NPS, PPF, EPFO, and tax hacks.

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Timestamp:
00:00 – Trailer & Introduction
02:21 – Niraj shares his CA & Finance journey
04:54 – How Niraj rectified his financial mistakes
06:46 – Niraj's Mutual Funds returns & investment strategy
09:45 – Niraj's SIP investment growth
11:23 – Secret to double your salary every 3 years
13:30 – Niraj's Asset Allocation
14:08 – Are NPS & PPF still worth it?
21:36 – Other ways to reduce taxes
25:43 – Tax loopholes used by individuals
30:35 – Niraj's client success stories
33:00 – Credit card tips and tricks
38:37 – How Niraj uses credit cards
46:25 – Free travel & stay through credit cards
49:06 – Buying a car at discount using credit cards
57:20 – Credit card & online scams you need to be aware of
1:07:12 – How much money can be saved through credit cards
1:10:02 – Why budgeting will keep you poor : Niraj
1:14:22 – Best & worst credit cards as per Niraj's experience
1:25:16 – How couples should plan finances
1:26:23 – Cost of credit cards
1:30:13 – Niraj's opinion on No-Cost EMIs
1:31:28 – Benefit of UPI Credit cards
1:33:28 – Niraj's controversial tweet in 2024
1:36:53 – Why Hyderabad is one of the best cities: Niraj
1:39:04 – Biggest mistakes made by youngsters in India
1:44:12 – How even salaried individuals can make ₹10 Cr. Corpus
1:46:50 – What would Niraj ask himself
1:48:49 – Conclusion
1:49:11 – Outro

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