Mr. Teaman

Normalize this by age 25: • Sleep 7–8 hours every night • Get 4 hours of uninterrupted deep work • Hit your daily protein target • Move your body for 1 hour - gym, yoga, swimming, anything you love • Keep your plans private while you build • Be 1% better than yesterday I promise and may god be my witness - 💯 of your daily problems will get solved!!

New iPhone season is basically when Indians suddenly remember every cousin living abroad.😅 iPhone Duo 256GB: India → ₹2,99,900 US → ~₹1.91L* UAE → ~₹2.21L Japan → ~₹2.26L Singapore → ~₹2.33L So yes, having someone bring it from abroad can potentially save you ₹60K–₹1L+. But I’d still ask myself one slightly painful question: Could I buy 3 of these in cash today and still be financially fine? If the answer is no, maybe the current iPhone has another year left in it.💪 Same logic for the iPhone 18 / Pro / Pro Max. Enjoy your money. Just don’t turn a yearly phone launch into a yearly financial obligation.

Jeff Bezos said most of our regrets come from the things we didn’t try. I think money should help reduce those regrets too. Save. Invest. Build the safety net. But occasionally use the money to take the trip, learn the thing, start the side project, or take the chance. A huge bank balance isn’t much use if fear still makes every decision for you.

This 1 piece of advice, I wish someone taught me in my 20s: Your emergency fund doesn’t really need to be 6 months of salary. It needs to cover 6 months of the expenses that continue even if your salary disappears. Rent. Food. EMIs. Insurance. Bills. That number is usually very different.

Here’s how you can buy a PS5 on a ₹50k monthly salary before GTA VI launches: Without stopping your SIP. Without EMI. Without surviving on maggi/vada-pav for a month. 😂 First, don’t budget ₹55K. Budget around ₹60K. PS5 → ~₹55K GTA VI → another ₹5–6K Now suppose your salary looks like this: ₹25K → rent + food + travel + bills ₹10K → SIP/investments ₹3K → going out, ordering food, normal life ₹12K → PS5 + GTA fund The moment salary comes in, move that ₹12K somewhere else. And because you’ll need this money within a few months, please don’t put it in stocks or an equity mutual fund. A short FD/RD or auto-sweep FD earning around 5.5-6% annually is enough. Will it make you rich? Absolutely not. 😂 Even over a few months, you’ll probably earn only a few hundred rupees. But that’s fine. This money has one job: be there when you need it. ₹12K × 5 months = ₹60K. Sep: ₹12K Oct: ₹24K Nov: ₹36K Dec: ₹48K Jan: ₹60K Console + GTA sorted. Then comes the part where I’d try to squeeze out another ₹2–3K. Don’t buy the first PS5 listing you see. Check Amazon. Check Flipkart. Check sale prices. Then check the card offer. If Amazon is cheapest and you have Amazon Pay ICICI credit card with Prime, 5% cashback on a ~₹55K purchase can be around ₹2,750. If SBI Cashback credit card or an instant bank offer gives a better final price somewhere else, use that instead. But there’s one rule I would not break: Save the ₹60K first. Then swipe the credit card. Pay the FULL bill from the money you already saved. The credit card should make your PS5 cheaper. It should never be the reason you can afford the PS5. And honestly, this is how I think expensive hobbies should work on a normal salary. You don’t have to stop enjoying life because you earn ₹50K. Just make the plan before you make the purchase.

Work hard. Travel the world. Meet beautiful people. Build an empire. Just don’t become so busy building the life that you forget to live in it.

1/ This thread will help you make money decisions that don’t leave you trapped by your own salary, EMIs or investments. Because many people earn well, budget, invest every month and still feel like their money controls them. They know the rules. What they’re missing are the mental models behind those rules. Here are 5 that can change how you handle money:

These rules will boost your aura: - Keep your phone away when someone is speaking - Pay people back before they have to remind you - Remember names, especially of people who can do nothing for you - Never embarrass someone just to make the room laugh - Don’t overstay your welcome - Speak well of people when they aren’t there - Be comfortable with silence - Leave some things unexplained - Treat service staff well. Real aura is mostly self-control mixed with good manners.

Need a genuine recommendation from people who workout regularly. I work out almost every day, and the heat + humidity where I’m staying is brutal. By the end of the workout, I’m completely drenched. Which electrolyte supplement are you actually using regularly? Not looking for the most advertised one. Just something you’ve used long enough to trust.

The moment you admit you don’t know, you finally become curious enough to learn.

A useful money rule: Never turn a temporary increase in income into a permanent increase in expenses immediately. Let the raise improve your savings before it upgrades your lifestyle.

Some salary hikes are just companies paying you for the extra life they plan to take from you.

Every salary should do four jobs: - Pay for today. - Protect you from emergencies. - Buy assets for tomorrow. - Leave some room to enjoy life. If your entire salary performs only the first job, even a high income will feel insufficient.

I watched @Samdish ’s coverage of the July 20 - CJP and Student’s protest. I am a grown man. And I cried. I watched ordinary Indians - students, women, parents - asking questions about paper leaks and the future of their children. And the people wearing uniforms, the people meant to protect them, looked like a mob sent to punish them. Men in civilian clothes were seen moving with the police, wearing helmets and carrying lathis. Many had no visible names or identification. When unidentified men can beat citizens beside uniformed officers, who will be held accountable afterward? Women were struck and manhandled by male personnel. There are deeply disturbing videos of women being hit on intimate parts and touched inappropriately. Because if the state can touch, beat and humiliate women under the cover of “crowd control,” then what exactly would qualify as an abuse of power? Even before the march began, protesters had publicly pointed to a truck carrying stones near Jantar Mantar and asked why it was there. They feared the stones would later be used to blame them for violence. That allegation remains unproven - but it cannot simply be ignored now. The police say protesters later threw stones, damaged property and injured officers. (In many cases police were seen damaging public property themselves) Anyone who attacked an officer must face the law. But that does not answer the other question: Who used force first - and who escalated a peaceful gathering into chaos? This is why every video must be preserved. Every unidentified person carrying a baton must be identified. Every officer who removed their name tag must be questioned. Every allegation made by a woman protester must be heard. Watching this, the image that came to mind was Hitler’s SS. Not because India is Nazi Germany. But because history teaches us what becomes possible when people in uniform stop serving the public and begin serving power without conscience. A uniform is supposed to carry responsibility. That day, too many people wore it like permission. I am a proud Indian. That is exactly why I am heartbroken. Loving your country does not mean remaining silent when its citizens are brutalised. It means demanding that the people who ordered this - and the people who carried it out - answer before the law. Patriotism is not protecting the government from uncomfortable questions. It is protecting citizens from the abuse of government power. I am genuinely in tears seeing what my country is being turned into. If these images do not disturb our conscience, what will?

A simple order for building wealth: 1. Health insurance 2. Small emergency fund 3. Clear expensive debt 4. Increase emergency fund 5. Start investing 6. Increase investments with every raise Many people begin at Step 5 while ignoring everything that could force them to sell.

A simple way to teach children the value of money: 1. Give them a small fixed allowance - not money whenever they ask. 2. Split it into Spend, Save and Give. 3. Let them choose something they want and save towards it. 4. Don’t rescue them if they spend everything too quickly. Small mistakes are cheap teachers. 5. Pay separately for optional extra work, not basic family responsibilities. 6. Give them real budgets for outings, clothes or school supplies as they grow. 7. Talk openly about choices: “We can afford it, but is it worth it?” Children learn money by managing it - not by hearing lectures about it. The objective is not to raise children who are afraid to spend. It is to raise children who understand that every rupee/dollar represents a choice.

Imagine two friends: One says, “My salary is small, but I’ll start now.” The other says, “I’ll earn more first and invest properly later.” One starts a ₹10,000 SIP today. The other starts a ₹20,000 SIP five years later. Who has more money after 20 years? The answer is more interesting than it looks.

Open your bank statement. Find the three expenses you repeatedly regret. Don’t create a 20-category budget. Just remove one of those three next month. Personal finance becomes easier when you stop trying to fix everything at once.