Gagan Sandhu

I think knowing those two is of extreme utility, is of extreme usefulness. So let me finish your thought, what you started on the financial independence part. I would say, yes, we provide assurance, but more than that, We also actually infuse knowledge in the product that is otherwise not very well known.

I think knowing those two is of extreme utility, is of extreme usefulness. So let me finish your thought, what you started on the financial independence part. I would say, yes, we provide assurance, but more than that, We also actually infuse knowledge in the product that is otherwise not very well known.

For instance, a lot of people are like, hey, I have three or four properties, so that should do it. What we provide is, and people generally, it's not, as I said, like people...

For instance, a lot of people are like, hey, I have three or four properties, so that should do it. What we provide is, and people generally, it's not, as I said, like people...

most people don't know S&P 500 long-term returns believe it or not even though to us it's always at the tip of our tongue and it's always at our fingertips we know it and people don't know what the returns are for a real estate in the long term I'm talking about American mark Asian markets are different but American markets so we bake these the data we also make hard data if somebody has

most people don't know S&P 500 long-term returns believe it or not even though to us it's always at the tip of our tongue and it's always at our fingertips we know it and people don't know what the returns are for a real estate in the long term I'm talking about American mark Asian markets are different but American markets so we bake these the data we also make hard data if somebody has

XYZ amount of funds in their 401 , which is the retirement account in the U.S., and they have some stocks in their brokerage account, and they have some real estate, and they have some treasury bonds, and they have some cash. We are able to put all that together and say, We know real estate grows about 3% to 3.5% per year. Based on what you have, here's where you can expect this thing to grow.

XYZ amount of funds in their 401 , which is the retirement account in the U.S., and they have some stocks in their brokerage account, and they have some real estate, and they have some treasury bonds, and they have some cash. We are able to put all that together and say, We know real estate grows about 3% to 3.5% per year. Based on what you have, here's where you can expect this thing to grow.

You have some cash that's not going to grow. It's actually going to lose value. You have some bonds. You have some this thing. So we are able to build that model. So there is the math there, even though I said it's easy for people like you and me. But for most people, it becomes very complicated very quickly. And that's where we come in and we help.

You have some cash that's not going to grow. It's actually going to lose value. You have some bonds. You have some this thing. So we are able to build that model. So there is the math there, even though I said it's easy for people like you and me. But for most people, it becomes very complicated very quickly. And that's where we come in and we help.

Hey, thank you so much, Vince. Thank you so much for reaching out and rekindling old memories from business school. And I'm so happy to be doing this with you. And I'm a fan of you and what you're doing. So thank you so much.

Hey, thank you so much, Vince. Thank you so much for reaching out and rekindling old memories from business school. And I'm so happy to be doing this with you. And I'm a fan of you and what you're doing. So thank you so much.

Yeah, absolutely. And I agree with you that There is a lot of noise around this term. Financial freedom, financial independence, financially independent, retire early. There's a whole fire movement. And also, especially ever since social media became a dominant force in the society, there are just too many people out there trying to almost... Some of them sound like snake oil salesmen.

Yeah, absolutely. And I agree with you that There is a lot of noise around this term. Financial freedom, financial independence, financially independent, retire early. There's a whole fire movement. And also, especially ever since social media became a dominant force in the society, there are just too many people out there trying to almost... Some of them sound like snake oil salesmen.

They're like, oh yeah, I'm financially independent. I just have this social media or I do X, Y, Z and I make enough money, blah, blah, blah. So I'll tell you what my criteria was. It was fairly straightforward. And I will actually contextualize, right? I'm careful to use the word financial independence and not retirement.

They're like, oh yeah, I'm financially independent. I just have this social media or I do X, Y, Z and I make enough money, blah, blah, blah. So I'll tell you what my criteria was. It was fairly straightforward. And I will actually contextualize, right? I'm careful to use the word financial independence and not retirement.

Because those two are different terms, very different context and very different overall outcomes. For me, financial independence meant I could leave my corporate job and go work on my own and build something from scratch. When I was able to do that, I said, I am financially independent because I can do what I want with my time.

Because those two are different terms, very different context and very different overall outcomes. For me, financial independence meant I could leave my corporate job and go work on my own and build something from scratch. When I was able to do that, I said, I am financially independent because I can do what I want with my time.

So I earned that independence and I don't have to be beholden to a paycheck to do that or to something else, right? In this case, it was paycheck. And for me, it actually, I'm an engineer after all, and I actually did a very mathematical thing. I figured out how much money I would need to sustain for at least five years so that I can build something on the side while not starving my family.

So I earned that independence and I don't have to be beholden to a paycheck to do that or to something else, right? In this case, it was paycheck. And for me, it actually, I'm an engineer after all, and I actually did a very mathematical thing. I figured out how much money I would need to sustain for at least five years so that I can build something on the side while not starving my family.