Money is something we all think about but very few of us are taught to understand calmly.
In this episode of The Masoom Minawala Show, I sit down with Aditi Kothari, financial expert and wealth advisor, for a clear, no-noise conversation on money, investing, and long-term financial security.
This isn’t about chasing quick returns, market hype, or complicated strategies. It’s about building wealth in a way that feels stable, informed, and sustainable across every phase of life.
From starting small to understanding risk, from staying invested to managing your own money, this episode simplifies finance without dumbing it down.
In this conversation, we discuss:
• The difference between making money and building real wealth • Why everyone will eventually have a “zero-salary” phase • How to start investing even with very little money • Understanding your personal risk profile (ability vs willingness) • Why consistency beats quick returns • The psychology behind India’s obsession with real estate • Why staying invested during market downturns matters • The importance of women managing their own money • How to build generational wealth with intention
This episode is for you if you are:
• Confused or overwhelmed by investing advice • New to wealth-building and don’t know where to start • Looking for clarity without fear or pressure • A woman wanting confidence and ownership over her finances • Focused on long-term security, freedom, and peace of mind
Wealth isn’t about shortcuts. It’s about discipline, awareness, and time.
And the earlier you start, the calmer your future becomes.
Timestamps:
00:00 - Precap 1:02 - Introduction 2:02 - Making money V/s building wealth 4:28 - What is a risk profile? 6:30 - What's the amount we should start with? 8:13 - What point do you enjoy your money? 9:54 - Should we have an advisor 11:46 - Invest everything 12:36 - Non-negotiables of building wealth 13:13 - Asset allocation 18:56 - Investing in real estate 22:58 - Why are Indians obsessed with Real Estate? 25:30 - Do you invest in real estate? 27:06 - Masoom's portfolio 34:44 - Boldest financial truth 34:44 - Why people choose quick returns? 37:37 - SIPS 38:42 - Balanced strategy for people earing 1-2L 40:00 - Advice for people starting out' 41:38 - Building a portfolio tody 42:53 - Crypto currency 44:42 - Financial FOMO 46:48 - Underrated financial advice 48:27 - Where is the Indian market headed to? 52:02 - What is boring right now? 53:08 - Is the crash coming? 54:13 - The AI crash 55:04 - Smartest investment move 56:08 - Investing for kids
