Is your SIP a "locked vault" or a "life subsidy"?

Most financial gurus tell you to never touch your investments for 20 years. They show you the "hockey stick" graphs of compounding, but they ignore the reality of living your life today.

In this episode of Prashant’s Perspective, we’re uncovering the "hidden wisdom" behind Milestone Harvesting—a strategy that balances your future wealth with your present needs.

​In this episode, we break down:

​The "Black Hole" Effect: Why absolute frugality often leads to psychological burnout and "Frugality Fatigue".

​The Volatility Defense: Why withdrawing a ₹25,000 profit today to pay a bill is often smarter than watching it dip to ₹20,000 tomorrow.

​The 12% XIRR Trigger: How to use your portfolio’s "speedometer" to know exactly when to "skim the cream".

​Tax-Free Wealth Creation: Using India’s ₹1.25 Lakh LTCG exemption as a "use it or lose it" coupon to fund your life tax-efficiently.

​The Baseline Math: How much of a "Seed Corpus" you actually need to start harvesting ₹1.5 Lakh in annual profit.

​Stop being a "Compounding Purist" and start being a Strategic Harvester. Learn how to make your money work for you while you're young enough to enjoy it.

​Are you hoarding for a distant future or living

today? Tell us your take in the comments!

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​⚠️ DISCLAIMER: The views expressed in this podcast are for educational and entertainment purposes only and do not constitute professional financial advice. Investing in mutual funds is subject to market risks. Please consult with a certified financial advisor before making any investment decisions.