Gagan Sandhu

A, a lot of people don't know how much they actually spend in a month. B, a lot of people do not really start investing early enough to actually gain the compounding effect, the magical compounding effect to actually see their savings grow. And that actually also stops them. Or C, This is relevant very much to the question you specifically asked.

A, a lot of people don't know how much they actually spend in a month. B, a lot of people do not really start investing early enough to actually gain the compounding effect, the magical compounding effect to actually see their savings grow. And that actually also stops them. Or C, This is relevant very much to the question you specifically asked.

A lot of people actually go in directions that they are told that will lead them to financial independence, but it's not. For instance, a lot of people are like, hey, I only buy real estate because somebody told me that's what I should do. If you're going to own only real estate doesn't yield cash returns, which means you'll be cash poor, but asset rate. That's not financial independence.

A lot of people actually go in directions that they are told that will lead them to financial independence, but it's not. For instance, a lot of people are like, hey, I only buy real estate because somebody told me that's what I should do. If you're going to own only real estate doesn't yield cash returns, which means you'll be cash poor, but asset rate. That's not financial independence.

So understanding those things helped me build my viewpoint. And now my goal is to help others see that viewpoint and build financial independence in a way that works for them. And actually in that respect,

So understanding those things helped me build my viewpoint. And now my goal is to help others see that viewpoint and build financial independence in a way that works for them. And actually in that respect,

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 the healthiest thing. And I think what I realized is that very few people actually know this very fundamental thing that you can get these kind of returns. And also, if you diversify a little bit better, you can probably get a little bit more.

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 the healthiest thing. And I think what I realized is that very few people actually know this very fundamental thing that you can get these kind 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 so how fit you are or how when are you likely to hit financial independence

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? How will that impact? We will show you how will that impact.

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 my financial independence?

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? Like I can say, oh, I need a million dollars to retire because that's the number thrown around or 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?

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

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.