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. If insurance feels confusing and you want reliable guidance, this trusted resource can help you choose what’s right for you: https://bookings.onepercentclub.io/pillow-insurance/?utm_source=Youtube Suresh Sadagopan is the Founder of Ladder7 Wealth Planners, a SEBI Registered Investment Advisor, and the author of 'If God Was Your Financial Planner'. With over 22 years of experience advising Indian investors, he has helped individuals and families structure portfolios, plan retirement, and avoid costly financial mistakes through disciplined financial planning and asset allocation. In this episode, Suresh explains why everyone, not just the wealthy, needs financial planning and how early money decisions shape long-term outcomes. The discussion covers common financial mistakes made in the 20s and 30s, debt traps caused by lifestyle inflation, how retirees can avoid running out of money, the importance of adequate health insurance, and why diversification matters more than chasing exotic investment products. The conversation also explores asset allocation frameworks for portfolios ranging from ₹50,000 monthly earners to multi-crore investors, along with practical guidance on retirement planning, building a corpus, and protecting wealth across generations. LinkedIn: https://www.linkedin.com/in/sureshsadagopan/ — 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 01:00 - Who all needs a Financial Planner? 02:21 - Advice to 25 Year old earning 50K/Month? 04:57 - GenZ falling in Debt Traps! 05:41 - Advice to 35 Year old earning 25 Lacs Annually 08:02 - How should you plan for the BIG PURCHASES🏠 11:30 - How much money required to retire? 12:32 - This will backfire if you’re aiming retirement 14:33 - Other Blunders retired people have done 17:19 - Story of his 70 yr old Client with no money left! 19:50 - The Stoploss effect Health Insurance: for loved ones❤️ 28:35 - How the Rich murder their retirement savings 32:32 - Where to invest your Portfolio 38:28 - Rapid Fire Round 41:03 - Conclusion