MILLENIAL'

GUIDE TO
S
FINANCIAL
FREEDOMM
YOUR GUIDETO LIVEAFINANCIALLY FREE LIFEIN YOUR
30'S

DR. ABHUEET BIRAR

MILLENIAL'S
GUIDE TO
FINANCIAL
FREEDOM
YOUR GUIDE TO LIVE A FINANCIALLY
FREE LIFE IN YOUR 30'S

DR. ABHIJEET BIRARI

e1f AHest
Copyright O Dr. Abhijeet Birari
All Rights Reserved.

ISBN 978-1-63832-952-7

This book has been published with all efforts taken to make the
material error-free after the consent of the author. However, the
author and the publisher do not assume and hereby disclaim any
liability to any party for any loss, damage, or disruption caused by
errors or omissions, whether such errors or omissions result from
negligence, accident, or any other cause.
While every effort has been made to avoid any mistake or
omission, this publication is being sold on the condition and
understanding that neither the author nor the publishers or
printers would be liable in any manner to any person by reason ot
any mistake or omission in this publication or for any action taken
or omitted to be taken or advice rendered or accepted on the basis
of this work. For any defect in printing or binding the publishers
will be liable only to replace the defective copy by another copy or

this work then available.

f AHeste
 Contents
1. What's So Special About 20's 1

2. Importance Of Early Investing 3

3. Where Does Money Go? 8

4. Investing Mistakes To Avoid 10

5. Three Financial Goals To Achieve 24

6. Achieving Financial Literacy 43

7. Where To Invest And How Much? 50

8. Rules Of Investing 61

9. Gameplan For Investment 66

Self Aestcod

V
 What's so Special
about 20's

Your 20's are the 'defining decade' because they play a huge
role in who you'll become personally and professionally
The reason I chose millenials for this book was that
these 20's have something special that other age groups
don't have. This is the age where the transition from the
protected environment of parents and teachers to a
competitive and ruthless world happens. This is the phase
of enthusiasm, energy, loneliness, sadness, anticipation,
frustration, hope, anger, confusion, opportunity, and
nurturing good as well as bad habits that will shape your
future. The 20's is also about denial, rebel, and negation.
Your 20's also teach you the most about love, relationships,
and everything in between. This is the phase where you are
more flexible, where you can learn, unlearn & relearn, and
where you can try around the things. It is a period of stress
& strain, storm & strife.
There are many things that happen for the first time in
20's.

Setf ettest<d
 FREEho
MILLENIAL'S
GUIDE TO
FINANCIAL
DOM

Thefirstjob
The first salary
The first investment

The first promotion

T h e first job switch

The first debt

20's will have a huge imr

impact o
What you do in your
what happens to you in your 40's and 50's especially in

The monetary mistakes made in the Do

financial terms. 20's
can have huge costs and irreversible impacts on one'
career hovwever with proper guidance, the mistakes Can be

avoided.
The phase is full of strength and intellectual capability
which if properly utilized could assist in turning the
invisible into visible, the hardships to triumph, and the
hard work to success thus leading to the overall growth of
an individual and the nation at large.

Sef atested