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Sharan Hegde is the founder & CEO of 1% Club - a finance community which helps people achieve financial independence and creates content to educate people about finance, money management and investments. He is a former consultant who has worked with banks and NBFC and has been featured in Forbes, Economic Times, Mint, Times of India. He has over a million followers on his Instagram channel [@Finance With Sharan](https://www.instagram.com/financewithsharan/?hl=en).

In this episode Vinamre and Sharan talk about:

- Mindset of people towards money in India and abroad

- Common mistakes that stop people from becoming rich

- Is fixed deposit still a good financial decision and whether you should buy a house or not

- Why money management is important and How to tackle overspending problem

- The culture in the USA and His experience meeting MS Dhoni

If you want to learn more about money and how to handle it, this episode is for you.

Timestamps:

0:00- Introduction

00:55 - Indians Don't Like Rich People

2:58 - Millionaires in the US vs India

5:54 - Add this to your Diet

7:35 - Getting hate on social media

13:06 - Early Life of Sharan

17:15 - Why Buying a House is the Worst Mistake

24:50 - Fixed Deposits: Good or Bad?

32:57 - What is Arbitrage Fund

35:17 - Merits of SWP (Systematic Withdrawal Plan)

37:44 - Why USA Culture is so different from us

47:17 - Fundamental Problems that Prevent You from Getting Rich

55:07 - How Can One Learn About Money?

1:02:07 - Is Life Easy Up There?

1:07:02 - Making His First Crore

1:09:42 - How to Solve Your Overspending Problem

1:17:17 - Why Money Management is Important

1:22:32 - A Rule About Money People Don't Understand

1:26:17 - How He Deals with Vendors and Clients

1:30:52 - Has He Become Less Social?

1:36:02 - Meeting MS Dhoni

1:39:46 - Conclusion

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