Transamerica Financial Advisors, Inc.

Transamerica Financial Advisors, Inc. financial professionals may only transact business in states where they are registered. Any individual communication trying to effect a transaction in securities or the rendering of personalized investment advice for compensation will not be made to persons in states where the financial professional is not registered. Securities and Investment Advisory Services offered through Transamerica Financial Advisors, Inc. (TFA), Member FINRA, MSRB, SIPC, and federally Registered Investment Advisor. 3225825

Neither Transamerica Financial Advisors, Inc. nor its representatives may provide tax or legal advice.  Anyone to whom this material is promoted, marketed, or recommended should consult with and rely on their own independent tax and legal professionals regarding their particular situation and the concepts presented herein.

Investment Advisor Representative

Qualia

- Made 50+ calls per day into existing account base based on marketing campaigns
- Generated quality intro calls between our prospects and Account Executives that drove additional revenue growth.
- Researched accounts, identified key contacts, built interest, and understood vendor approval processes
- Managed and maintained up to date contacts, opportunities, and account information within Salesforce.
- Leveraged Salesloft to run targeted cadences with proficiency.
- Consistently hit (and exceeded) quota month to month which led to being recognized as the top SDR for Q2 2022.

Sales Development Representative

University of Colorado Boulder

- Mentors students, conducts office hours and review sessions
- Attends multiple class lectures per week and communicating with students about computing questions pertaining to Excel and MATLAB.
- Providing Materials design, structure, and exam help to ~150 Junior chemical engineers
- Strong public speaking and leadership skills.

Teacher Assistant

- Investigate the assembly of nanostructured materials at length scales of 1nm to 1000nm using computational simulations.
- Develop, validate and apply atomistic potentials of oxides, metals and polymers to solve challenges in soft matter.

Nanomaterials Undergraduate Researcher

Saoradh Enterprise Partners

- Conduct market, technology and industry research, using Wellspring and Pitchbook, to support client projects, evaluate investment opportunities and support portfolio companies.
- Involved in finding, organizing and presenting data, using PowerPoint, gathered during the research process.
- One on one meetings and presentations with portfolio companies to develop interpersonal and trustworthy relationships.

Business Analyst Intern

National Snow and Ice Data Center (NSIDC)

- Utilizing Python and/or MATLAB for efficient data transfer from enormous satellite data into simple and useful spreadsheets.
- Utilizing SQL for efficient database analysis.
- Record Videos and utilize Camtasia to edit videos and audios for scientist ti upload onto Coursera for educational purposes.
- Implementing a ticket system using Jira and Confluence to streamline and smoothen tasks for management.
 - Worked with internal users to understand grant requirements and implement processes that meet those needs by writing technical documentation, providing on-site help and developing different methodologies for collecting samples.

Data Analysis Intern

- Performed quantum chemical calculations to examine the catalytic cycle of cobalt cyclam-catalyzed reductions of CO2.
 - Examined the stability of spin states of various cobalt complexes, computed their proton association constants and reduction potentials and their effect on CO2 emissions. 
 - Examined various papers from JACS (Journal of American Chemical Society) to study the viability of the catalytic cycle previously proposed by researchers.

Carbon Dioxide Reduction Researcher

I create efficient tax and investment strategies for tenured Sales and Software Pros | Financial Advisor & Fractional CFO | Guiding you to a better and abundant financial life |

TFA’s mission is to enhance the present and future economic well-being of its clients and representatives. 

Baby Boomers are retiring every day.

The average baby boomer believes $300,000 is sufficient enough to retire on.

Do you think that's enough money? But before I answer that, here's my story:

I was on track to be a Chemical Engineer till 2020. But when I graduated, I was distraught with what the job requirements were. Putting myself first, I completely decided to quit the track.

No plan, no job in sight. I started to panic.
 
That's when my mom sat me down and told me to list the things I'm passionate about. Turns out personal finance and education were the top two on my list. Not shocking, considering I always had a passion for how money works. 
 
So, I started doing research for jobs in financial services. My goal was to implement my passion for financial education for everyone. 

Since then I've helped countless individuals, families, and business owners make easier financial decisions for their future.
 
Services I provide:

1. Portfolio Planning
2. Budget Creation
3. College Funding
4. Debt Reduction 
5. Retirement Planning 
6. Proper Protection
7. Tax Efficiency
8. Investment Allocation



What makes me different:
- Keeping you accountable to your goals
- Creating simple yet effective strategies
- Establishing a personal relationship
- Yearly reviews accounting for changes in goals and income

So to answer the question above, $300,000 is not enough money to retire on, in my opinion. But that's where I come in. 

If you want to learn more about how my clients are pursuing their financial goals, let's have a quick chat :)

Omkar Shinde

The Trump administration is proposing 50-year mortgages.
Most people think 𝘵𝘩𝘢𝘵’𝘴 the problem. 
It’s actually much deeper.

In my opinion: a 50-year mortgage isn’t good or bad.
It just exposes how financially unprepared most of you are.

Yes, logically, there are real benefits:

→ Lower monthly payments.
→ More cash flow month-to-month.
→ Easier approval for first-time buyers.

But there's no such thing as a free lunch:

→ You build equity painfully slow.
→ You pay interest for 20 extra years.
→ Total interest could potentially double.

As an Advisor and Real Estate investor myself, the mortgage isn’t the issue.

Financial illiteracy is.

Because if you're financially literate can use a 50-year mortgage to:

→ Free up cash flow.
→ Invest the difference.
→ Build wealth faster than they pay interest.

But if you've never made good money decisions:

I'm willing to bet you'll still buy a home you can’t afford.

So a 50-year mortgage alone isn’t dangerous.
Using it blindly is.

In the right hands, it’s leverage.
In the wrong hands, it’s a trap.

And that’s the real message here.

You can’t win a financial system you don’t understand.

Sales Navigator

li_at

JSESSIONID

Talks about #taxes, #wealth, #investing, #retirement, and #financialstrategies

I create efficient tax plans and investment strategies for Sales & Software Employees making $200,000+ | DM me “W2” for an intro call.

A 7-day trip to visit my sister in SD taught me something crazy:

The problem isn't your income. The problem is what you do with it.

San Diego isn’t cheap.
Flights, food, coffee runs, gas, Ubers, dinners, and all the “let’s just stop in here real quick” moments add up fast.

But the crazy part? I swiped my card like I was a Kardashian.

Not because I’m careless, I hope not....
but implementing cash flow management makes every dollar feel lighter.

Each $ that I spent had a job:
"To be spent for my joy in San Diego."

When you have a system, you stop asking:
“Can I afford this?”

and start asking:
“Is this what I allocated for?”

And that’s the difference you'll never experience.

→ Travel fund? Already filled.
→ Investments? On autopilot.
→ Bills + fixed costs? Covered.
→ Guilt-free spending money? Set aside intentionally.

So when I was in San Diego...

eating at The Taco Stand, walking Sunset Cliffs, spending time with Arya —
the only thing I focused on was being present.

Not the receipt. Not the cost. Not the guilt.

Because cash flow management isn’t about restriction.
It’s about maximum impact with minimum stress.

People think wealth is about making more.
But it’s really about getting the most out of what you already earn.

Making more is great, keeping more is better.

And when your money has a job before you spend it,
you get to enjoy moments like this — fully, freely, and without stress.

That’s the real ROI of a system.

At 19, I dreamt of living a life that nobody in my family ever lived.

So God gave me opportunities to create the one I'm living today.

At 21, I decided to get into financial services.
I had no credibility, but it put me in rooms that changed my future.

At 23, I left corporate.
Walking away from a steady paycheck was scary, but betting on myself forced me to grow.

At 24, I bought my first house.
Not just for shelter—but to learn leverage, equity, and freedom.

At 27, I chose to move back to Colorado.
Closer to family. Closer to roots. Aligned with who I am today.

None of those choices were easy.
Each came with doubt and fear.

But each built on the last.

And that’s how dream lives are made.
Not in one leap.
But in a series of decisions, backed by the discipline to keep showing up when it gets hard.

Many of you have what it takes to change your lives.
Maybe not in a year, but in 5 for sure.

You can’t create a new life while clinging to your old habits.
Neither can you build freedom if every decision made is based on fear.

If you want 2026 to look different than 2025,
it starts with one decision.

And then another. And another.

Your dream life isn't handed to you overnight,
it’ll show up because you were disciplined enough to build it.

Every single time the mountain gets steeper, I remind myself:

What a privilege it is to carry the stress and pressure of the grind when it’s on the path that brings me the most joy.

That’s the kind of stress I’ll choose every single time.

And I hope you do too.

Social media shows the 1% of the 1%.
 
Here's why you shouldn't believe everything you see on your screen:
 
What social media has normalized:

• Millionaires at 18. 
• Always flying private.
• Making $75,000/month.
• Living a iShowSpeed lifestyle.
 
That's fewer than 1% of people in the US. 

Why compare yourself to them? 
 
The vast majority of millionaires:
 
• Are 50+ 
• Fly economy 
• Have money tied up in assets 
• Live frugally and spend time with family 
 
Why not strive to be one of them? 
 
Remember:

99% of the time, wealth is boring and slow. 
 
If comparing yourself to the top 1% doesn't motivate you...

Take the safer route instead. 
 
You'll still achieve your dreams.

As of today, I have $10,748 in credit card debt.

I could pay it off, but I choose not to. Here’s why:

Because not all debt is bad.

Most people hear “credit card debt” and immediately assume irresponsibility.
But here’s what they miss:

→ That balance is on a 0% APR promo
→ The money I could’ve used to pay it off?
It’s working harder elsewhere

→ Being deployed into cash-flowing investments
→ Earning more than the interest I’m being charged (which right now... is zero)

This is what most people never get taught:

Bad debt drains you.
Credit cards at 22%, high-interest loans, buy-now-pay-later traps.

Good debt buys you time, leverage, and flexibility.
Used correctly, it accelerates wealth.

I’m not saying go rack up cards.
I’m saying—understand the strategy.

Paying off everything ASAP might feel good emotionally...
But it’s not always the smartest move financially.

The goal isn't to avoid debt at all costs.
It’s to learn which debt builds and which one buries.

Because the difference?
Could be the reason someone stays stuck at $80K/year…
While someone else builds a million-dollar net worth off the same salary.

♻️ Repost this to challenge what we’ve all been taught about debt
🔔 Follow Omkar Shinde for smarter money strategies that actually work

I house-hacked my primary residence.

Here’s how it ruined my life.

I bought into the dream:
Real estate would be my golden ticket.

I wanted to:

• Diversify my investments.
• Build long-term wealth.
• Borrow against it.
• Generate passive income.
• Leverage it to grow my portfolio.

But the shiny object syndrome got me.

Here’s the reality no one tells you:

Real estate isn’t just numbers on a spreadsheet. It’s WORK.

• Ensuring you’ve got the right insurance to protect your investment.
• Setting up the right systems for smooth operations.
• Coordinating financing that’s anything but simple.
• Finding tenants who don’t destroy the place.
• Dealing with constant wear and tear.

I underestimated all of it.
I thought it would be easy. I was wrong.

Don’t let the “passive income” buzzwords fool you.
There’s nothing passive about the grind that comes with real estate.

I learned the hard way that you cannot skip preparation:

• Have a plan that’s airtight.
• Build a safety net that can handle surprises.
• Think two steps ahead, not just about your goals, but about the risks.

But here’s what I’ve come to understand:

We all make mistakes.

It’s so easy to feel like you’ve failed when things go wrong.
I’ve been there, staring at the mess I made, wondering how I’d fix it.

The truth is: even the biggest mistakes can be untangled.

This experience didn’t break me. 
It pushed me to grow, to rethink, and to do better.
I’m not perfect, but I’m learning, and I’m moving forward.

If you feel like you’ve made a mistake you can’t come back from—know this:
You’re not the first, and you won’t be the last. You’re not alone.

What matters isn’t the mistake.
It’s how you pick yourself up, dust yourself off, and take that next step.

And I know you can.

Just because I’m an advisor doesn’t mean I pinch pennies.

Here are 4 unusual things I happily pay a premium for:

The older I get, the more I realize something my 21-year-old self never understood:

Money is a tool. 
I used to look at it like a trophy. 

The more commas I have, the cooler I am.

But now I use it intentionally to buy back the two things that actually matter to me: time and mental peace.

1. Credit Cards

Not just for the points — for the peace they buy me.

→ Lounge access during long travel days.
→ Concierge services that save me hours.
→ TSA Pre and Global entry to skip long lines.
→ Travel protections I use more often than I’d like.

2. Watches

Yes, for the hype — but also because they retain value.
The kind you enjoy daily, that hold appreciation, and eventually get passed down.

It’s one of the rare “luxuries” that doesn’t punish you for liking nice things.

But also tells people what your time is worth.

3. Personal Development

Coaches, courses, mentors, masterminds.
I’ll invest in all of it.

One lesson can save me years.
One perspective can add six figures.
One conversation can change how I operate.

I’m buying the blueprint from someone who's already living my life.

4. Convenience

Fast passes, upgrades, same-day delivery, detailing — all of it.

Because saving $18 while losing an hour of sanity is the worst trade you can make.

Convenience isn’t laziness.
It’s clarity: spend where it expands you.

Most people try to save their way into peace.
Believe me, my parents did.

But you'll come to a point where:

Spending intentionally creates more time, more serenity, and more energy for the things that actually matter.

I met with a 55-year-old couple last week.

They’ve paid off their home and rentals, but have $0 outside of real estate.

And this is exactly why I don’t like real estate.

On the surface, they looked “set.”

→ No mortgage.
→ No rental mortgage.
→ Two properties fully paid off.

But when we talked about retirement, everything changed.

They had no liquidity.

→ $28,000 in Bank of America Savings.
→ $3,600/m in rental income.
→ $17,000 in Crypto.

They went all-in on real estate thinking it was their ticket to freedom.

But even with no debt you still need actual cash flow to retire.

And here’s the part most people never think about:

→ You can’t sell a bedroom to buy groceries.
→ You can’t pay medical bills with home equity.
→ You can’t fund 25 years of retirement with “a house that's paid off.”

Real estate felt safe.
It felt familiar.
It felt like the “smart and traditional” path that everyone online talks about.

But it wasn’t a plan.
It was a bet.

And like most people, they didn’t ask for help until it was almost too late.

Not because they didn’t care but because real estate gives you the illusion of security.

They thought owning two properties meant they’d be fine.
But here’s the truth they learned the hard way:

Real estate may build wealth...
but it doesn’t guarantee retirement.

Not without liquidity.
Not without diversification.
Not without a plan that actually produces income you can live on.

So if you’re banking your entire future on “just owning rentals,” ask yourself:

Will those walls and windows really pay your bills when the paychecks stop?

You closed another Enterprise deal that’s gonna pay you $80,000.

But you have no idea how to put it to work.

This is the trap almost every Tech Sales pro falls into.

You grind for weeks...
Push procurement...
Send signature reminders...

And then that commission finally hits.

$48k, $63k, $85k...

For a weekend, you feel unstoppable.
And you think you do all the right things:

→ Pay off the credit cards.
→ Put a chunk towards the mortgage.
→ Budget some for a nice vacation with the spouse.
→ And save the rest because you don't know when the next one's coming.

But now, you're down to $0 and not moving forward financially.

→ Still spending more than you're making.
→ More equity but can't use it for anything.
→ Retirement contributions are stopped for higher base pay.
→ And your CPA forgot to tell you about the tax ramifications.

Here’s the truth:

Making money and multiplying money are two different games.

Without a system:

• Money comes in fast
• Money leaves even faster
• Stress fills the gap

This is the number one problem I fix for Tech Sales reps making $200K–$800K:

→ A % automatically to taxes
→ A % to long-term investments
→ A % to cash reserves
→ A % to guilt-free spending
→ A % to big goals (houses, weddings, vacations)

Once every dollar has a job, the chaos disappears.

Your commission stops evaporating.
Your lifestyle stops controlling you.
Your money finally starts compounding.

Giving you back the freedom you've always wanted.


If you’re tired of watching big checks melt away…

DM me "QUOTA" and I’ll show you how to optimize your checks.

Stop focusing on: 
 
→ Becoming financially free by 27 years old.
→ Starting the next "unsaturated" business. 
→ Investing in Real Estate with $0. 

Focus more on: 

→ Paying for what you can afford.
→ Learning skills to become better. 
→ Consistently sticking to your daily actions. 
→ Prioritizing the best for you and your family. 
 
The reason why long term plans are successful is because of the short term actions.

You're getting ahead of yourself when you think about the prize. 
 
You'll end up: 
 
→ Paying too much taxes. 
→ Taking on too much debt. 
→ Selling investments to pay for expenses. 
→ Making the same mistakes that could be avoided. 
 
Don't fall into the trap of diving right for the result. 
 
Slow down. 

Focus on what you’re building, not just where you’re going.

How often do you get ahead of yourself?

I've never heard anyone say...

"I love the work-life balance at Amazon." 
 
This was the dream presented to me: 
 
• By every university 
• By my parents 
• By society 
 
 They told me to: 
 
• Graduate in Chemical Engineering 
• Go to Medical School 
• Make $$$ 
 
But what they didn't tell me was: 
 
• Work your a$$ off for 20+ years 
• Take on $100,000+ of debt 
• Mental health destroyed 
 
I couldn't do it anymore. 
I just wanted something of my own. 
 
It led me to what I call: Money Media 
 
• Changed fields from Engineering ▶️ Finance 
• Started writing on Social Media platforms 
• Create life-altering financial plans 
• Get paid while living my dream 
 
What you need to realize is, 
Everyone has a unique skill that they can teach, 
 
You just need to discover it. 
 
So take a chance on yourself, 
It'll pay dividends for the rest of your life. 
 
Take this as a sign to take action on what you've been thinking about for so long. 
 
2025 is your year! Make it happen.

America’s sitting on $1,130,000,000,000 in credit card debt.

If you're the average American, you're carrying about $6,730 of it.

I know you're not dumb.
I know you are responsible.
I know you weren't taught this stuff.

Let bygones be bygones.

But here's what I’ll tell you:

Credit cards aren’t the villain here.
It’s the lack of education that screws people over.

Here’s what I wish everyone knew:

1) You can consolidate.
Just because you got every card for it's promo bonus but forgot to pay it off, doesn't mean you should just keep it.

A single balance transfer to a 0% APR card stops the bleeding immediately.

2) Negotiate like Chris Voss.
Lenders want their money back.
If you’ve been paying on time, they’ll often extend your 0% APR window.

I’ve literally watched someone get an extra year from one phone call.

3) Choose your battle
You can’t keep the same lifestyle and expect your debt to magically disappear.
At some point, you gotta choose:
Comfort today, or freedom tomorrow.

4) Stick with it
This is the part people hate.
Because it’s boring.

Automate payments, throw any extra cash at principal, and just stay consistent.

Could you use more income? Yes.
But that's just a bandaid on a wound that needs stiches.

Bottom line is:
You need more knowledge.

Because the real difference between someone drowning in debt
and someone debt-free?

It’s not luck.
It’s not income.

It’s education.

Master this, and consider yourself graduated :)

Your job at Apple and eCom side hustle might impress your friends.

But your bank account? Still dryer than the Sahara.

You’re grinding:

• Crushing it at your 9-5.
• Growing your side hustle.
• Doubling your streams of income.

But here’s the harsh reality:

• Taxes are eating away your profits.
• You’re overworked and under-saving.
• You have no system to manage cash flow.

What’s the point of earning more if you’re not keeping more?

Let’s break it down:

You’re making money from two places,
But your lifestyle and lack of planning are leaving you broke.

Here’s how to fix it:

1️⃣ Track Everything:

Treat your side hustle like a business.
Track income and expenses meticulously—leverage tools like QuickBooks or spreadsheets.

2️⃣ Build a Tax Strategy:

Use deductions, write-offs, and pre-tax contributions to reduce your overall burden.
Your side hustle can help you save if you plan wisely.

3️⃣ Automate Investments:

Set up automated contributions to your 401(k), IRA, and a brokerage account.
If you don’t see the money, you won’t spend it.

It’s not about making more money.
It’s about making your money work for you.

Your dream life doesn’t come from doubling your income.

It comes from doubling your intention.

DM me "INTENT" to start 2025 with the right systems in place.

Don't think "over night".

Instead, think "over time".

Social media sells you a lie:
→ Flip houses and retire next year.
→ Invest in crypto and quadruple your money.
→ Start a side hustle and become a millionaire.

It’s very intoxicating.
The promise of instant success.

But here’s the truth:

 “Overnight success” is always decades in building.

Here’s what actually works:

→ Playing the long game.
→ Focusing on consistency, not hype.
→ Choosing proven strategies over quick wins.

It’s not glamorous.
But it’s sustainable.
It’s how real wealth is built.

Ask yourself:

Would you rather:
→ Burn out chasing quick gains?
→ Or grow steadily, compounding success over time?

Because one path leads to anxiety.
The other leads to freedom.

The shortcut is a trap.
The real wealth is in the journey.

What’s one long-term goal you’re committing to today?

Just like the 90.5 million Americans, I own a pet. 
 
I've spent 5 figures on Zuko so far, here's how: 
 
I love Zuko. He fulfills his duties as a dog: 
 
→ Constant face licks 
→ Excited when I get home 
→ An energetic ball of love and joy 
 
But don't let his adorable smile betray you. 
Because taking care of a dog isn't cheap. 
 
I've paid for: 
 
→ Food and toys 
→ Doggy Daycare 
→ Two hip surgeries 
→ Constant vet visits 
→ Monthly groomer visits 
 
I've spent 5 figures on him. 
Yet, I have no regrets. 
 
How, you ask? 
Because I had a plan before I got him. 
 
Here's what I did: 
 
1. Due Diligence 
→ Talk to the breeder/adoption agency to understand any history that I need to know. 
 
2. Emergency Fund 
→ Have a separate E-fund for Zuko that is used to pay for his expenses. 
 
3. Budget 
→ $200/month goes towards goes toward Zuko for any of his daily needs. 
 
4. Subscriptions 
→ His meds, grooming appts, vet visits etc. are all subscription-based so I can leverage them whenever instead of a one-time big payment. 
 
You may think I'm crazy for spending that much on a dog, 
But he's a priority I'm willing to spend on. 
 
Here's your takeaway: 
Plan for your priorities, let the rest take a backseat. 
 
Your priorities might be different than Zuko, 
But a plan will always help keep that priority important.

The only affirmation that helps me push through the tough times.

"Your mind will take you further than your circumstances ever will."

Most people avoid that truth.
Because it forces you to zoom out... and confront the life you're actually living.

For years, I let my environment shape my mindset.
I let circumstances dictate how far I believed I could go.

I didn’t realize the cage wasn’t around me— it was in me.

Then life hit me with what I now call "my Inner Switch".

An Inner Switch is that moment when:

• You fail at something you thought you were great at
• Someone you trust forces you to rethink your path
• You catch yourself living a life you never consciously chose

And suddenly you realize—
your outer world only changes when your inner world does.

Mindset isn’t motivation.
It’s not clichés.
It’s not the 5am alarms or the inspirational wallpaper on your phone.

It’s the decision to stop living on autopilot.
It’s the intention to build, not just react.
It’s holding the bigger picture when life tries to shrink you.

As Naval Ravikant said:
“The world just reflects your own feelings back at you. Reality is neutral.”

If you see limits, you live within them.
If you see possibility, life expands around you.

So be grateful— not just for what you have,
but for the chance to shape who you’re becoming.

Say the thing you’ve been avoiding.
Start the project you’ve been delaying.

Move toward the person you actually want to be, not the version you’ve settled for.

Your Inner Switch isn’t a feeling. It’s a call to action.

Don’t wait for life to force it.

Flip it yourself—
and watch everything around you rise to meet it.

Exactly 36 days till the last day of 2025.

Time is lost, and if you haven't done anything for your finances this year, do this to get back on track.

Most people don’t realize how much can change in 36 days.
Not everything, but enough to shift the trajectory of your entire 2026.

And yes... even if you’ve ignored your finances all year.
Even if you’ve been “too busy.”
Even if you promised yourself you’d start in January.

So here’s what you can still do before December 31st:

1. Fix your tax bill

• Run your last-minute deductions.
• Max out (or catch up) your 401(k).
• Prep for bonuses + RSUs hitting in Q4.
• Add to your IRA before the window closes.

2. Cash Flow Reset for 2026.

Use AI to evaluate your last 11 months of spending.

• Travel
• Restaurants
• Sneaky subscriptions
• “Treat yourself” purchases

If you don’t patch them now, you’ll repeat them next year.

3. Rebalance your investments

With how wonky the market has been:

Take some wins.
Harvest some losses.
Reposition yourself for 2026.
Switch or implement strategies if needed.

Reach out if you want to get evaluated.

4. Set 2026 goals in 2025.

Most people wait for January to “get organized.”
By the time they do, it’s March.
By the time they act, it’s June.
By the time they feel behind… the year is gone.

Give yourself a real advantage:
Start 2026 on Day 1, not Day 90.

36 days is enough to:

→ Fix your spending habits.
→ Lower your taxable income.
→ Build your investment structure.
→ Walk into 2026 with clarity instead of chaos.

You don’t need to overhaul your entire financial life.
You just need to start now.

Because time isn’t the problem.

Waiting is.

Unpopular Opinion:

You need money to create money.

Here's why:

A 100% return on $100 is $100.
A 10% return on $10,000 is $1,000.

While both returns look attractive, here's the crucial point: 

Scale matters.

10% is attainable, 
especially with a well-thought-out investment strategy. 

But a 100% return? 
That's almost like chasing a mirage—exciting but highly unrealistic for most.

$100 is a great place to start, 
it shouldn’t be where you end. 

Building wealth requires not just an initial investment, but a commitment to increasing that investment over time.

Remember this:
Every dollar you invest today paves the way for your financial future. 

The earlier you start, the more time your money has to grow through the power of compounding.

Whether it's: 

• Setting aside a portion of your income, 
• Exploring different investment vehicles, 
• Or seeking advice from financial experts,

the key is to take that first step.

Your financial goals won’t achieve themselves; 

You've got to execute the plan with determination.

DM me "START" if you need that push to get started on the right step.

🔷 Sandhya Seshadri 🔷

Engineered Capital

Apartment Syndicator helping busy engineers and professionals diversify their portfolio from the stock market into real estate without the liabilities and headaches of a landlord.

Founder

I help Engineers make $ investing in apartments passively without Tenants, Toilets, Termites or Trash. No Loans, Liens or Lawsuits to worry about. Diversify from Wall St -> Main St.

Real Estate : John is a busy tech executive with a large portion of his portfolio in the stock market, and particularly in his company stock due to years of accumulating stock options. 

John wanted to diversify but didn't have time to take care of repairs, leasing, maintenance and potential liabilities with being a landlord.

So, John invested in 3 syndications with me, 2 of which have been bought and sold with returns exceeding initial projections. (Every deal is different and carries its own set of risks/rewards).

Oil & Gas: Due to the high interest rates in the past few years, Rita was hesitant to invest in real estate. I don't blame her. But she wanted the tax advantages from depreciation. So Rita invested in oil & gas instead, which can offset her W2 income with the 80% depreciation.

Technology startup : Jeff and I have known each other for over a decade, as electrical engineers. Jeff was not retiring for at least another 2 decades, and was looking for aggressive growth, and didn't need cash flow. He chose to allocate a portion of his investment $ in a technology startup.

One size doesn't fit all. As always, consult with your financial, legal and tax professionals like John and Rita did before making any investments.

The moment I did this, my life changed 

(I'm sad I didn't live all my life this way)

Stop complaining. Start the day with gratitude.

Yes, being thankful . 

Not... “why did this happen to me?

Most people on LinkedIn only share professional tips.

But this thanksgiving week .. let’s be thankful for what we have.  

$40,000 in damage.  

But a less than a foot away .. a 20ft fall into a creek.

Insurance claims. What a pain. 

But not one was hurt. No hospital visit. 

Just a driver.. a truck and a brick wall. 

Hug your loved ones ..
Be grateful for all your blessings 

Because life can change in a millisecond 

P.S. What’a one thing that you grateful for today ?

Sandhya Seshadri

Save 30% in 2025 taxes on $100K investment + greater cash flow via Oil & Gas investing 🔹 Trusted by 383 investors 🔹 Speaker and 2X Amazon #1 Best Selling Author

No alternative text description for this image

$500,000 at stake from 6 distressed deals 

I am a Limited Partner (LP) 
In 6 deals which made Capital Calls
LP = Passive Investor = not in charge

When I say multifamily stinks.. 😷 
this is why.

❌The deals were overleveraged.. at 80% to begin with 

😥When property values dropped, that leverage is close to 100% now.

😳With the added capital call .. that’s 110% loan to value!

First order of business:

→ Read the Legal docs
→ Is it mandatory to contribute?
→ Are my shares reduced if I don’t?

Items to clarify with the general partners (GPs) or sponsors in charge:

- Why a capital call?
- Is it to buy a new rate cap?
- How does it get us out of the loan?

In other words, we need to find out if this is a Band-Aid fix, or a Permanent fix.

- Is there negative cash flow?
- What does break even look like?
- Will the capital call help refinance?

Why sink $ into a failing deal ?

→ Ask the questions 
→ Do you see a clear path to exit ?
→ GPs exhausted all other options?

Many folks are pressured into contributing to a capital call because it’s the only way to save the deal

But can it truly be saved at this level of leverage?  
----------------------------------
Message me “ checklist “ to screen a sponsorship team.

Many deals acquired in 2022 are in trouble.

----------------------------------

P.S. Drop the deal and sponsor name below ⬇️ if you know of a deal which returned all the money back to investors after a capital call.

Invest beyond the stock market 🔹 Trusted by 383 investors 🔹 Speaker and 2X Amazon #1 Best Selling Author

When I immigrated to the US, my dream was stability.

Today, it's stability + flexibility.

In 1990, when I made my way from India to the USA on a student visa, everyone kept talking about the "American Dream".  

The traditional path to financial independence with a W-2 job. 

Everyone was chasing the same goals:

1. Exciting career
2. Financial stability
3. A nice suburban home

Then, recessions happened. COVID happened. A lot has changed in 3 decades.

"Stable" is neither a goal nor a realistic possibility anymore.

In 2025, it's all about:

1. Flexible work hours
2. Financial variety (investments)
3. Flexible workplace / remote options

I wouldn't change my "now" to "then" for anything. 

The flexibility to spend time with my kiddos and my family. 

The school celebrations I can attend because my work hours allow me to pause from work.

Is this today's version of The American Dream?

---

Photo: Me at the airport ....working on my laptop ... at the end of a family vacay… location and time freedom..

People love the idea of having $10K+ in monthly passive income

But always think they'll start tomorrow.

Then they wake up 1,000+ tomorrows later and realize they never did.

- Get Educated 
- Commit to a deadline 
- Find a mentor 2 steps ahead 
- Take action. You’ll be glad you did 

That’s exactly how I did it
Plenty of struggles along the way 
Roof blown. Unit flooded. Apt on fire.

But if you persist long enough 
You’ll make it to the other side

Is it going to be 1 day … or day 1?

Don’t mistake financial freedom for:

- More zeros and commas
- More cars in your driveway
- More luxury you don't need
- More sq footage in your home

This is just STUFF.

It doesn't make you happy.
It doesn't make you fulfilled.
It doesn't make you satisfied.

It just makes you want more.

Coming from someone who has achieved financial freedom over the last decade...

This is WHY you go after financial freedom:

🔹 Time with family that you can't buy
🔹 Freedom from a W2 paycheck
🔹 Trading desk time for travel 
🔹 Enjoying the short life we have

Time + Freedom = The Real Reason

Don't buy more stuff, buy more time.

P.S.  What is your favorite vacation destination?

Everyone's chasing the wrong flex.

The real flex isn't $100K in fees

It's making $ for investors without :

- Unrealistic assumptions
- Forgetting the fundamentals
- Doing multifamily due to familiarity 

I know people like me making 3% cash flow  working themselves to the bone in multifamily.

I know people making 25% cash flow  working 4 hours per day on stocks, oil and gas, funding fix and flips. 

Want double digit cash flow ?

It is rare in multifamily 

Does your multifamily deal follow the 1.2% rule of real estate? (Not 1%)

1.2% of $20,000,000 = $240,000 in monthly collections.  

Most deal failed this rule of thumb.

They are all waiting on the big upside at the end because of buying on a good cost basis.

Drop a YES if you know this rule ⬇️

I invested in a $8,350,000 deal in 2019. 

I invested in a $12,750,000 deal in 2020

Each of the assets had significant physical value-add work performed on them. 

• New branding and signage
• New 2-tone exterior paint
• New design landscape
• New appliances

Both deals exceeded stock market returns

And honestly? 

Not worth the risk anymore. 

Despite both of those acquisitions returning 2.1x in 3 years

Why? 

Because today, 3 things have changed for multifamily

- Cap rates are higher
- Rents are flat or negative
- The cost of capital is higher

When the payoff for a high-risk project is only slightly better, we’d rather choose the cash flowing one ..

My focus in 2025? 

• Double digit cash flow
• Fewer headache 
• Tax benefits 

Are you seeing double digit cash flow in multifamily?

Or other asset classes such as

- First lien debt funds 
- Retail, medical offices, MHP
- Energy sector like oil and gas

Comment “other” if you’re seeing you double digit cash flow elsewhere!

Note: This should not considered to be investment advice. 

There is no Solicitation of securities here. 

Please consult with your trusted professionals, such as wealth, advisors, attorney, tax professionals, etc. before choosing any investment.

100% loss of capital is possible in any investment so choose wisely !

Deal of a lifetime or a train wreck?

You like his post
You like her smile
𝘠𝘰𝘶 𝘧𝘪𝘯𝘥 𝘵𝘩𝘦 𝘤𝘰𝘯𝘵𝘦𝘯𝘵 𝘳𝘦𝘭𝘢𝘵𝘢𝘣𝘭𝘦

She seems so genuine
His videos are so authentic 
(𝘚)𝘩𝘦 𝘴𝘰𝘶𝘯𝘥𝘴 𝘳𝘦𝘢𝘭 𝘢𝘯𝘥 𝘤𝘰𝘯𝘷𝘪𝘯𝘤𝘪𝘯𝘨 

To me, that is good enough.. 
To buy 𝘉𝘰𝘺 𝘚𝘤𝘰𝘶𝘵 𝘱𝘰𝘱𝘤𝘰𝘳𝘯
Or 𝘎𝘪𝘳𝘭 𝘚𝘤𝘰𝘶𝘵 𝘤𝘰𝘰𝘬𝘪𝘦𝘴 

But wiring $100,000?
That took me years to save?
𝘉𝘢𝘴𝘦𝘥 𝘰𝘯 𝘢 𝘧𝘦𝘸 𝘓𝘪𝘯𝘬𝘦𝘥𝘐𝘯 𝘱𝘰𝘴𝘵𝘴?

❌ I don’t think so 

Let’s get back to the basics.,
How much research did you do?
To buy your last appliance or car ?

✅ Ask these questions instead

Have they done this before?
𝘐𝘯 𝘵𝘩𝘦 𝘴𝘢𝘮𝘦 𝘢𝘴𝘴𝘦𝘵 𝘤𝘭𝘢𝘴𝘴 𝘢𝘯𝘥 𝘮𝘢𝘳𝘬𝘦𝘵?

With several full cycle deals?
Meeting or exceeding projections?

What is the source/ bias of your data?
𝑫𝒊𝒅 𝒂 𝒑𝒓𝒊𝒐𝒓 𝑰𝒏𝒗𝒆𝒔𝒕𝒐𝒓 𝒄𝒐𝒏𝒇𝒊𝒓𝒎?

Is it really the next best thing?
Do you truly understand it?

How are their deals doing today?
Any Capital calls or member loans?

How much $ are they investing?  
𝘈𝘧𝘵𝘦𝘳 𝘴𝘶𝘣𝘵𝘳𝘢𝘤𝘵𝘪𝘯𝘨 𝘵𝘩𝘦𝘪𝘳 𝘢𝘤𝘲 𝘧𝘦𝘦𝘴 ?

𝑫𝒊𝒅 𝒚𝒐𝒖 𝒓𝒖𝒏 𝒂 𝒃𝒂𝒄𝒌𝒈𝒓𝒐𝒖𝒏𝒅 𝒄𝒉𝒆𝒄𝒌?
𝘐𝘴 𝘵𝘩𝘪𝘴 𝘱𝘦𝘳𝘴𝘰𝘯 𝘪𝘯𝘤𝘩𝘢𝘳𝘨𝘦 𝘢𝘧𝘵𝘦𝘳 𝘤𝘭𝘰𝘴𝘪𝘯𝘨?

What is the source of the inputs?
Going in to the analyzer spreadsheet?

🗑️ Garbage IN =  Garbage OUT 🚮

———————————————
Download my free checklist 
From my website

Put together a spreadsheet 
Record the answers 

Don’t skip the steps
𝑰𝒏𝒗𝒆𝒔𝒕 𝒊𝒏 𝒉𝒂𝒔𝒕𝒆. 𝑹𝒆𝒑𝒆𝒏𝒕 𝒂𝒕 𝒍𝒆𝒊𝒔𝒖𝒓𝒆 
———————————————-

P.S. Did any of these tips surprise you?

My friend / engineer was sobbing 😭

2 of her deals foreclosed - lost all $

“Ava” called me to say that she’s lost a chunk of her savings.

“Ava” was part of a group of LP investors in the Bay Area, who collectively vetted this sponsorship team and deals. 

They got to know, like and trust the sponsors. Good people who lacked experience.

My 4 best tips so it doesn’t happens to you : 

1. Ask for their history of full cycles in that market and asset class.

2. Require full monthly financials that include all items in the general ledger

3. Intervene and get involved if the property fails certain metrics within a quarter. 

4. Ask for the status of all their current deals. Any in distress with negative cash flow ?

“Passive” investing is not purely passive.

P.S. Which of the 4 tips resonate ?

♻️ if you find my posts useful, please consider a repost to help other investors.

It took me 2 years to realize my $100,000 mistake.

(Background check is highly underrated)

After investing aggressively for 2 years, 

I finally understood that market location is only 1 of the factors

When it comes to investing in any alternate asset, 

It all starts with the team in charge

Use my checklist.  Don't deviate.
Be focused on the team in charge first. 

3 different background checks revealed :

- Multiple bankruptcies
- Jail time for a convicted felony
- Years of prison time for SEC violation

These were all famous people on podcasts, stages and mentorships

Networking with others revealed 100% loss of investor capital across deals

Or deals with zero equity remaining to recover for LPs

Wake up, friends.  

Financial freedom will come easier only if the investment is backed by a solid team.
.
P.S. Save this post for yourself and repost to save someone else's hard eared $

What’s one tip here that you found the most helpful?

I spent $80 to add $2500 in revenue

It's easier than you think...

I did it with a mini model set up on 2 “stale” units:

- Buy accent pieces
- Decorate in 10 minutes
- Take pics for social media
- Offer a “look and lease” special

The cost of items per unit was $40

Prospective residents toured units and loved the look

They signed the lease.. $1,250 per unit x 2

No heavy furniture to move
No fancy upgrades like Granite
No $$$ designer to stage the units

This saves your staff effort.
This saves staff’s time.
This saves you $$$.

All 3 of these things being critical to your success.

P. S. Have you done a mini model before?

Drowning doesn't happen when you fall in the water.

It happens when you stay underwater.

If your deal is drowning because the Net Operating Income (NOI) is insufficient to pay the mortgage due to a floating rate bridge loan...

You are in trouble.

Try these 3 things to see if you can stay afloat:

1. Look at your negative cash flow every month.

How confident are you, your partners and the property management company that you'll be able to at least break even? And by when?

2. Get a BOV (Broker Opinion of Value)

Confirm if the resale proceeds will be enough to pay off the mortgage and return some profits to your investors → even if it’s a little less than the initial projections.

3. Get a quote from a creative lender.

Check if there's a way to refinance the deal → Yes, the right lender can make a difference.

Reality check:

Interest rates may not come down anytime soon.

Hoping they will → this is not a strategy. You need to take action TODAY.

Weigh your options → Starting with the 3 above.

Drop a YES if you are aware of a deal in distress ⬇️

Netflix is a $220,000,000,000 empire 

Powered by indecision.

They charge around $15 a month.

People keep subscriptions for years.

The kicker? 

Many spend more time browsing ..
than actually watching 😂

This is the magic of “choice overload.”

Why it works:

The endless library makes it feel like there’s always something worth staying for

The recommendation algorithm keeps you thinking your next favorite show is just one click away

FOMO kicks in whenever a new hit drops

Shared accounts spread the habit without extra cost to you

Canceling feels like giving up a VIP pass to the party

Netflix isn’t chasing maximum watch time per user.

They’re chasing maximum stay time.

That’s how they generate billions in recurring revenue while funding more content than anyone else.

The bigger picture?

They just need you to believe you might.

What other businesses quietly profit from you sticking around?

P.S. Amazon prime,  Netflix or both?

You’ll be penalized if you don’t contribute

This is not just 1 group 

It is multiple groups across the board setting this new trend 

What happens when a deal runs out of money? 

A capital call.  

Investors are asked to put more money into the deal instead of receiving dividends.

Yes, the script is flipped.

Now to add insult to injury,

They push and persuade investors to put more money into the deal

The original operating agreement is modified with a majority vote by the contributing investors

The plot thickens

Let’s say you invested $100,000 initially.

Now the deal needs 15% more money

When you contribute $15,000
Your entire $115,000 is in a preferred stack 

But if you decide not to contribute the $15,000

Your original $100,000 gets pushed to the bottom

So the odds of you ever seeing a penny of your original investment is very slim

Per the original agreement..
Only the 15,000 contribution is in a preferred stack

But now they’ve persuaded investors, and changed it.. so if you don’t contribute you are penalized

Yup, that’s how they will treat you the investor who trusted them with $100,000. If you don’t play.

P.S. are you OK with this as a passive investor or fund manager?

Is it OK to change the operating agreement to get investors to contribute to a capital call and penalize those who don’t?

The author can see how you vote. Learn more

taplio

The Battle

Omkar Shinde

🔷 Sandhya Seshadri 🔷

Followers

Posts

Engagements

Likes

Performance ScoreOmkar Shinde's LinkedIn Performance

Performance Score🔷 Sandhya Seshadri 🔷's LinkedIn Performance

Ready to grow your LinkedIn presence?

taplio

The Battle

Omkar Shinde

🔷 Sandhya Seshadri 🔷

Followers

Posts

Engagements

Likes

Performance Score.css-goub6s{font-size:var(--chakra-fontSizes-md);font-weight:500;color:var(--chakra-colors-gray-600);display:block;margin-top:var(--chakra-space-1);}Omkar Shinde's LinkedIn Performance

Performance Score🔷 Sandhya Seshadri 🔷's LinkedIn Performance

Ready to grow your LinkedIn presence?

Performance ScoreOmkar Shinde's LinkedIn Performance