99% Rich People Do This: Money Making Habits & Opportunities | Karan Bhagat | FO431 Raj Shamani

Raj Shamani • November 11, 2025
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Raj Shamani

@rajshamani

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Figuring Out is a podcast for people who want to learn. It connects the world’s sharpest minds to the 1.4 billion Indians who want to build, grow, and win on a world level. Raj Shamani sits across from the world's top 1%: leaders, entrepreneurs, athletes, and experts to give you a masterclass in what it actually takes to reach the top of a global stage. It is pure education in what, how, and where to start building. World’s best playbooks, strategies, and stories for the generation that wants to turn their ambitious dreams into reality. Millions of people tune in every day because they trust Figuring Out to always bring them value. And that trust is something we take seriously, every single episode. But the mission has always been bigger than that. Figuring Out has become a place where the world comes to talk to India. And where India comes to learn from the world. A movement for 1.4 billion people to put India's voice in front of the world. Subscribe to become a part of it.

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360 ONE: https://www.360.one/ -------------- Guest Suggestion Form: https://forms.gle/bnaeY3FpoFU9ZjA47 -------------- Trying to grow your Social Media? Talk to us- https://forms.gle/sJfksjy4K3rpNnvF9 -------------- Disclaimer: This video is intended solely for educational purposes and opinions shared by the guest are his personal views. We do not intent to defame or harm any person/ brand/ product/ country/ profession mentioned in the video. Our goal is to provide information to help audience make informed choices. The media used in this video are solely for informational purposes and belongs to their respective owners. -------------- Order 'Build, Don't Talk' (in English) here: https://amzn.eu/d/eCfijRu Order 'Build Don't Talk' (in Hindi) here: https://amzn.eu/d/4wZISO0 -------------- Follow Our Whatsapp Channel: https://www.whatsapp.com/channel/0029VaokF5x0bIdi3Qn9ef2J -------------- Subscribe To Our Other YouTube Channels:- https://www.youtube.com/@rajshamaniclips https://www.youtube.com/@RajShamani.Shorts 🎧 Stream Figuring Out episodes on Spotify: https://open.spotify.com/show/736rhmW7vilNgkFFo8aDz4 📺 Watch Figuring Out episodes on YouTube: https://youtube.com/playlist?list=PLE0Jo6NF_JYO5-phess8GKafKMtPv3tfZ --------------- Timestamps - 00:00 - Intro 02:49 - Problems of being rich 11:10 - How he landed his first big client 19:37 - Fears of wealthy people 26:35 - Mindset of people with ₹1 crore vs ₹1000 crore 30:05 - HNIs, UHNIs & first families 31:24 - Incremental & exponential growth 36:59 - Mindset of Tier 1 vs Tier 2 cities 43:51 - Old money vs new money 51:34 - Indian vs Chinese vs American billionaires 53:37 - Arab billionaires 55:30 - Opportunities & alignment of countries 1:00:46 - Hidden opportunities 1:07:49 - Changing world order 1:14:11 - War, opportunities & insights 1:17:41 - Money & developing nations 1:27:04 - Ultra HNIs & Indian states 1:32:19 - Maximum buying & selling trends 1:36:25 - Reports he reads 1:40:07 - Opportunities in India for the next 10 years 1:45:12 - BTS 1:45:50 - Outro --------------- My gear for shooting this video: Canon EOS 200D II 24.1MP DSLR Camera: https://amzn.to/3GuiPFK Canon EF50MM F/1.8 STM Lens: https://amzn.to/3WZOSoi Canon EF-S 18-55mm f/3.5-5.6: https://amzn.to/3ZpKBMy Yunteng Aluminium Tripod (Vct-690, Black): https://amzn.to/3ItEzV0 Zoom H6 All Black (2020 Version): https://amzn.to/3irUCIf Shure SM7B Cardioid Vocal Dynamic Microphone: https://amzn.to/3GPimiM Shure MV7 USB Podcast Microphone: https://amzn.to/3Xjy63d GODOX SL150II 150W LED Video Light: https://amzn.to/3XeN0aL --------------- In today’s episode, our guest is Karan Bhagat, Founder, Managing Director & CEO of 360 ONE, one of India’s leading wealth management firms. Karan has spent decades advising some of the country’s wealthiest individuals. From managing ₹1 crore to ₹1000 crore, he breaks down how objectives change, why psychological and emotional security often outweigh financial gains, and what truly keeps India’s rich awake at night. We talk about the biggest fears of the wealthy: not losing money, but losing values. He explains how families worry about passing on humility and responsibility to their children, the rising expectations from the next generation, and how social media has made comparison and peer pressure sharper than ever. He also opens up about the “fear of insignificance,” especially among those who’ve already achieved material success. He talks about old money vs new money, city-wise mindsets, and the psychology of risk, and why he thinks India's next wave of innovation will come from inclusivity. He says the opportunity today isn’t just for the rich: “Middle India’s ambition and talent are exploding,” and that’s where the real story of growth lies. Karan offers a rare inside view of wealth and aspiration in modern India. Subscribe for more such conversations! Follow Karan Bhagat here: Instagram: https://www.instagram.com/karanbhagatkk/ Follow 360 ONE here: LinkedIn: https://www.linkedin.com/company/360one/ Instagram: https://www.instagram.com/official360one/ --------------- About Raj Shamani Raj Shamani is an Entrepreneur at heart that explains his expertise in Business Content Creation & Public Speaking. He has delivered 200+ speeches in 26+ countries. Besides that, Raj is also an Angel Investor interested in crazy minds who are creating a sensation in the Fintech, FMCG, & passion economy space. To Know More, Follow Raj Shamani On ⤵︎ Instagram @RajShamani https://www.instagram.com/rajshamani/ Twitter @RajShamani https://twitter.com/rajshamani Facebook @ShamaniRaj https://www.facebook.com/shamaniraj LinkedIn - Raj Shamani https://www.linkedin.com/in/rajshamani/ • • • #Podcast #FiguringOut #RajShamani #wealth #money #millionaire #billionaire #business About Figuring Out Figuring Out Podcast is a Candid Conversations University where Raj Shamani brings raw conversations with the Top 1% in India.

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