Gagan Sandhu

Another thing that, you know, because you and I went to a really good school and some of the things were hammered into us completely while we were at Booth, which is the stock market returns, right? I think you can wake up any UChicago Booth alum in the middle of the night and say, hey, what are long-term S&P 500 returns?

Another thing that, you know, because you and I went to a really good school and some of the things were hammered into us completely while we were at Booth, which is the stock market returns, right? I think you can wake up any UChicago Booth alum in the middle of the night and say, hey, what are long-term S&P 500 returns?

And I think before they even gain a little bit of sense of the world, they'll be like 10%. Right? It's fit. That's one of the healthiest things. And I think what I realized is that very few people actually know this very fundamental thing that you can get these kinds of returns.

And I think before they even gain a little bit of sense of the world, they'll be like 10%. Right? It's fit. That's one of the healthiest things. And I think what I realized is that very few people actually know this very fundamental thing that you can get these kinds of returns.

And also if you diversify a little bit better, you can probably get a little bit more, or if you're conservative, you can get a little bit less. But what we did at Zillion was we helped people visualize financial independence. So we built tools within Zillion and we actually call this tool financial independence tool, the FIT.

And also if you diversify a little bit better, you can probably get a little bit more, or if you're conservative, you can get a little bit less. But what we did at Zillion was we helped people visualize financial independence. So we built tools within Zillion and we actually call this tool financial independence tool, the FIT.

So how fit you are or how, when are you likely to hit financial independence? As soon as you tell us what you own and where your money is and how much you earn and how much you spend, we can actually tell you exactly, hey, you're going to reach financial independence in 2034, for instance, or 2037. And you can change things. You're like, oh, what if my income increases by $20,000 per year?

So how fit you are or how, when are you likely to hit financial independence? As soon as you tell us what you own and where your money is and how much you earn and how much you spend, we can actually tell you exactly, hey, you're going to reach financial independence in 2034, for instance, or 2037. And you can change things. You're like, oh, what if my income increases by $20,000 per year?

How will that impact? We will show you how will that impact. You're like, oh, what if I have to pay 100% of my child's college education? How will that impact my financial independence? For those of us who are not very good at mental math, we built this tool so you can just plug that number in and say, okay, my child is going to go to some XYZ college, 200K expense coming up in five years.

How will that impact? We will show you how will that impact. You're like, oh, what if I have to pay 100% of my child's college education? How will that impact my financial independence? For those of us who are not very good at mental math, we built this tool so you can just plug that number in and say, okay, my child is going to go to some XYZ college, 200K expense coming up in five years.

How will that impact my financial independence? So we actually made the thinking part super easy and we took the assumptions out. Also, how will inflation impact my financial independence? I can say, oh, I need a million dollars to retire because that's the number thrown around. These days it's, I think, 2.2 million. That's the number that's thrown around.

How will that impact my financial independence? So we actually made the thinking part super easy and we took the assumptions out. Also, how will inflation impact my financial independence? I can say, oh, I need a million dollars to retire because that's the number thrown around. These days it's, I think, 2.2 million. That's the number that's thrown around.

But hey, if I'm going to live for another 40 years, is it going to be enough? How will inflation impact that? you can actually adjust for that. So the overall thing we have done is what I realized is some people are very good at this math, but a lot of people are not.

But hey, if I'm going to live for another 40 years, is it going to be enough? How will inflation impact that? you can actually adjust for that. So the overall thing we have done is what I realized is some people are very good at this math, but a lot of people are not.

And what we did is we made the math so easy and so visual and so easy to understand and actually play with that now financial independence should seem like a tangible thing. So much so that a customer of ours, I was meeting with them and it was in a social setting and I was explaining what we do and I was talking to somebody asked a question, hey, Gagan, how do I know how much money I need?

And what we did is we made the math so easy and so visual and so easy to understand and actually play with that now financial independence should seem like a tangible thing. So much so that a customer of ours, I was meeting with them and it was in a social setting and I was explaining what we do and I was talking to somebody asked a question, hey, Gagan, how do I know how much money I need?

I'm like, we built a calculator. Exactly. We built a product just for this. And a customer of ours, he was also in that. He was also right next to me. Oh, is that the number I see on the top right corner? I'm like, yeah. So the idea, the thing is that we made it this whole complex thing.

I'm like, we built a calculator. Exactly. We built a product just for this. And a customer of ours, he was also in that. He was also right next to me. Oh, is that the number I see on the top right corner? I'm like, yeah. So the idea, the thing is that we made it this whole complex thing.

And we simplified it and we made it visually so appealing and so easy to use that people are able to now see what financial independence would mean for them and whether and when they are likely to reach that. And also once they reach, are they at the risk of running out of money or not?

And we simplified it and we made it visually so appealing and so easy to use that people are able to now see what financial independence would mean for them and whether and when they are likely to reach that. And also once they reach, are they at the risk of running out of money or not?