Money, Business & Real Estate
Is It Possible to Go from Middle Class to Rich?
Ft. Choleti Kavya Sri & P Sahith Kumar · 45:19 · 27 Oct 2026
Where does the salary go? Vijay Rangu speaks with AMFI-registered mutual fund distributors Choleti Kavya Sri and P Sahith Kumar about EMIs, SIPs, emergency funds, insurance and retirement for middle-class families.
Key discussion points
- Track one month's spending and separate needs from wants
- Start small and early with auto-debit, then raise the amount each year
- The EMI trap and credit cards from the first job
- Clear high-interest debt first and keep EMIs within a limit
- Why starting ten years earlier matters: a compounding illustration, not a promise
- Chit funds vs mutual funds
- No guaranteed returns: panic-selling, and how a goal keeps you invested
- For beginners: simpler funds first, and short-term money kept away from volatility
- An emergency fund, and health and term insurance before investing
- Retirement: systematic withdrawal, and balancing children's needs with your own
- Buying vs renting depends on the person
General education only, not personal investment advice. Investments are subject to market risks. Guests are AMFI-registered mutual fund distributors (ARN-347624, ARN-348082).
