How Much Money Do You REALLY Need to Retire early?

Video Description

In this episode of The Net Worth Show, we sit down with Manish Jain - Finance Educator, 3X CTO, and Founder of Friends of Wealth, to decode the personal finance principles he used to retire early and build a stable, balanced financial life. From hitting key milestones like his first crore, to designing a bulletproof financial plan, to building a reliable passive income mix, Manish shares the exact frameworks he teaches thousands of young investors. 🎯 In this podcast, you’ll learn: ➡️ The habits and systems Manish used to retire confidently ➡️ His journey to the first crore and the milestones that followed ➡️ The foundation of personal finance — where beginners should actually start ➡️ How to evaluate your financial health and manage loans smartly ➡️ When real estate makes sense (and when it doesn’t) ➡️ How to save/spend/invest in your 20s, 30s, and 40s ➡️ Where beginners should invest to start building passive income ➡️ Why increasing your savings rate in 2026 is more important than ever ➡️ His personal net worth, asset allocation, and passive income mix ➡️ The biggest money lesson he wants every young earner to follow Manish breaks down money in a way that’s simple, practical, and rooted in real-life experience — no complexity, no jargon. 📌 Like, share, and subscribe for more conversations with India’s top investors, educators, and wealth creators. 0:00 - Introduction 1:12 - Why did he resume working Post Retirement? 4:05 - Financial Milestones - 1st Crore? 6:19 - Biggest Investment Mistake - Early Exit! 7:46 - Factors that one should look at while making their Financial Plan 12:13 - Should we take loans? 15:10 - How do I repay my loan without hampering my financial health? Best Strategy! 19:58 - Should we buy a home? When is the right time? 24:03 - How should a person invest/save/spend in their 20s/30s/40s 27:44 - Where should we put money to start building Passive Income? 32:38 - Passive income covers your expenses - Passive Income mix ? 36:20 - Why is it so important to save going in 2026? 39:40 - Why is he against SIP? Lumpsum vs SIP 43:34 - How to correct financial blunders? 48:26 - What is your Networth and what does your asset allocation look like? 51:07 - What’s the most important takeaway from this conversation?