Manage Your Salary Like the Top 1% | 4 Bank account Routine | Sanjay Kathuria

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00:00 – Why does salary vanish by month-end?
01:15 – What’s the real leak: income or system?
02:30 – Case study: where does ₹31k–₹57k/month disappear?
03:55 – Why traditional budgeting fails (willpower trap)?
04:45 – What’s the 4-account setup, in one line?
05:20 – Account #1: Salary “Command Center” — what moves first?
06:10 – Account #2: Security Vault — emergency + goal buckets?
07:20 – Account #3: Investment Engine — SIP/Lumpsum rules?
08:20 – Account #4: UPI Expenses — how to cap daily spend?
09:10 – Perfect timing: what happens on 1st–5th, 5th–15th, 25th–30th?
10:35 – Festival & big purchases: how to budget without debt?
11:40 – Irregular income playbook: how does the buffer system work?
12:55 – Results from a freelancer case: what changed in 15 months?
13:45 – Your success timeline: what targets by Year 1/3/5?
14:30 – Final checklist: automate, separate, and stick to the calendar

Manage Your Salary Like the Top 1% | 3 Bank account Routine | Sanjay Kathuria

Ever wonder how the top 1% manage their salary so efficiently? It’s not magic — it’s a simple system. In this video, Sanjay Kathuria shares a bulletproof paycheck routine to help you automate your money, save guilt-free, and invest smartly every month.

✅ The 3-step salary automation routine of the wealthy
✅ How to split your income into savings, spending & investing
✅ Setting up auto-pay for bills, SIPs, and emergency fund
✅ How to align your payment dates with billing cycles
✅ The trick to negotiate & waive hidden bank charges
✅ Build a 3-month survival buffer without stress
✅ Use money mindfully with guilt-free spending

With the right system in place, your salary can work harder for you — without micromanaging every rupee.

Disclaimer
Investments in debt securities/municipal debt securities/securitised debt instruments are subject to risks, including delay and/ or default in payment. Read all the offer-related documents carefully.

#SalaryManagement #SanjayKathuria #MoneyAutomation #Top1PercentSecrets #SmartSpending #PersonalFinanceTips #InvestSmart #FinanceForWorkingProfessionals

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About Me:
Sanjay Kathuria, founder of ProfitsFirst, is a Chartered Financial Analyst (CFA) and renowned options trading expert with 16+ years of corporate experience. Financially independent by 39, he has empowered over 25,000 individuals and 10,000+ SMEs to achieve financial freedom. As an ET ’40 Under 40′ awardee, Sanjay’s content on passive income and investment strategies has reached over 1 million followers across social media. Join his mission to simplify business finance and unlock your path to financial independence with proven strategies and insights.

This video is for educational purposes only and is not financial or investment advice. I am not a SEBI-registered advisor. Investments in stocks, mutual funds, real estate, digital assets, and other instruments involve risk, including possible loss of capital. Past performance is not a guarantee of future results. Please do your own research and consult a SEBI-registered financial advisor before making investment decisions.

Some links may be affiliate links; I may earn a commission at no extra cost to you. All sponsorships or promotions will be clearly disclosed. Viewers are responsible for their own tax and regulatory compliance.