Checkout Hostinger: https://www.hostinger.com/in/finsharan Use Code: FINSHARAN If you’d like professional guidance from a SEBI-registered financial advisor, please fill out this short form - https://topc.typeform.com/cfo-yt We currently advise portfolios worth ₹1,200+ crore, helping people work towards financial independence. In this episode, we are joined by @Sanjay_Kathuria a finance educator and investor best known for popularising the concept of systematic withdrawal plans (SWP) and for building a strong following by simplifying personal finance. With a professional background in real estate strategy and years of hands-on investing experience, Sanjay achieved financial freedom at the age of 39 through disciplined investing and consistent wealth-building habits. In this conversation, he breaks down exactly how he built his portfolio from scratch, shares his current investment strategy for 2026, and explains how everyday investors can approach asset allocation, ETFs, and long-term wealth creation. From goal-based investing frameworks to real insights into managing money across market cycles, this episode offers clear and practical takeaways for anyone looking to build wealth the right way. Sanjay’s LinkedIn: https://www.linkedin.com/in/sanjaykathuria/ — Subscribe: The 1% Club: YouTube: https://www.youtube.com/@FWSClips0 Instagram: https://www.instagram.com/onepercentclubshow/ LinkedIn: https://www.linkedin.com/school/the-1-clubfws Sharan Hegde: Instagram: https://www.instagram.com/financewithsharan/ LinkedIn: https://www.linkedin.com/in/sharanhegde95/ Twitter/X: https://x.com/financewsharan – Sharan Hegde is a personal finance creator & founder of the 1% Club, simplifying money, markets, and mindset for India’s next generation of wealth builders. – Timeline: 00:00 - Introduction 00:49 - Meet our guest: Sanjay Kathuria 01:27 - Sanjay’s origin story 03:18 - His insane salary progression 05:55 - How he doubled his wealth in 3 years 10:24 - Why he prefers ETFs over mutual funds 12:03 - Sanjay’s strategy for deploying money in ETFs 14:47 - Sanjay’s portfolio reveal 21:27 - Right allocation for ETFs (diversification) 25:25 - Know this before investing in US markets 31:58 - Sanjay’s living setup in Delhi 33:33 - Why moving to UAE might help you make millions 36:41 - Booking losses in crypto 37:39 - Sanjay’s leverage hack for F&O 43:45 - Rapid fire round 43:54 - Conclusion