Gagan Sandhu

Not because the math is hard, but because I think the reason it's easy for me is because I'm able to keep track of things much, much better than an average person. For instance, I know pretty well what my monthly expenses are. I've known it since I was in college and I have always maintained spreadsheets. I can tell you what my monthly expenses were in 2005, for instance, right?

Not because the math is hard, but because I think the reason it's easy for me is because I'm able to keep track of things much, much better than an average person. For instance, I know pretty well what my monthly expenses are. I've known it since I was in college and I have always maintained spreadsheets. I can tell you what my monthly expenses were in 2005, for instance, right?

I would maintain spreadsheets. So it's very easy for me to do that. It's just a habit. The second is I'm pretty decent at also managing cash flow and investing. So all of that combined, it became pretty, I would say, attainable and achievable goal for me personally and me and my wife as a family, as a unit. But what I realized is for a lot of people, it's much harder because

I would maintain spreadsheets. So it's very easy for me to do that. It's just a habit. The second is I'm pretty decent at also managing cash flow and investing. So all of that combined, it became pretty, I would say, attainable and achievable goal for me personally and me and my wife as a family, as a unit. But what I realized is for a lot of people, it's much harder because

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, it 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, it 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%. That's one of those 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.

And I think before they even gain a little bit of sense of the world, they'll be like 10%. That's one of those 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. So how fit you are or how, when are you likely to hit financial independence?

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?