Wealth Whisperer @chai_and_chat

On my journey to become millionaire | Tips on wealth-building, retirement, & multiple income streams | DM for collabs Bangalore Joined March 2022

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Wealth Whisperer @chai_and_chat

59 minutes ago

Income tax difference for salaried vs self employed Salaried Taxable income - 60 lakhs Total tax - 15,52,980 Self employed Earning - 75 lakhs Profit - 60 lakhs (assuming 15 lakhs expenses to run self employment) Total tax - 7,33,200 (section - 44ADA)

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Wealth Whisperer @chai_and_chat

3 hours ago

AI threat and now Trump's push to not to outsource to India. Indian IT sector is gonna face big challenges if not acted upon fast.

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Wealth Whisperer @chai_and_chat

17 hours ago

Warren Buffett's golden rule: 'Price is what you pay. Value is what you get.' The goal is to find companies trading below their true value. That's your margin of safety. Never overpay for a business.

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Wealth Whisperer @chai_and_chat

19 hours ago

Fix yourself first, a broke person can't take care of others

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Wealth Whisperer @chai_and_chat

22 hours ago

Warren Buffett's 'Circle of Competence' is your secret weapon. Only invest in companies and industries you deeply understand. If you can't explain how the business makes money, it's probably outside your circle. Stay in your lane #investing

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Wealth Whisperer @chai_and_chat

23 hours ago

Anyone using XChat feature?

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Wealth Whisperer @chai_and_chat

a day ago

Investing advice from Warren Buffett: Think like a business owner, not a trader. You're not buying a ticker symbol; you're buying a piece of a real company. Do you understand what that company does? If not, don't buy it

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Wealth Whisperer @chai_and_chat

2 days ago

UPI has seen a remarkable increase in both transaction volume and value. In August 2025, UPI processed over 20 billion transactions for the first time in a single month. This represents a 34% year-on-year growth. #UPI

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Wealth Whisperer @chai_and_chat

2 days ago

You can earn a 6-figure salary and still be broke. All depends on your mindset, lifestyle and money management

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Wealth Whisperer @chai_and_chat

2 days ago

Did you know a good credit score can save you Lakhs over a lifetime? A lower interest rate on a home or car loan can make a massive difference in your total repayment amount. #PersonalFinance #CreditScoreIndia

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Wealth Whisperer @chai_and_chat

2 days ago

Building a good credit score is simple: Pay your bills on time, keep your credit card utilization low (ideally below 30%), and don't apply for too many loans at once. Small steps, big impact!