Niraj Dugar (@contliving) / X

Niraj Dugar

32.9K posts

Niraj Dugar

@contliving

India

linktr.ee/nirajdugar

Born September 25

Joined August 2013

Pinned
Niraj Dugar
@contliving
Feb 18
Starting a thread on books I am reading in 2026. To keep track and be more accountable to myself :) Book 1- The haves and have-yachts - talks about how the ultra rich behave with their money and think about risk, spending, politics, among other things.
6.1K
Niraj Dugar
@contliving
May 21, 2025
I bought a new car. Cost of car - 13.02 lakhs GST on car - 5.86 lakhs Road tax - 3.78 lakhs Total tax - 9.64 lakhs 74% tax on the cost of car. No wonder most of can’t afford cars in India.
274K
Niraj Dugar
@contliving
Oct 24, 2024
Making charges on gold coin at Tanishq stores is 8%, Malabar is 4% and 0% at my friends gold shop. Any branded player where in store purchase of gold coin is cheaper than 4%?
317K
Niraj Dugar
@contliving
Nov 7, 2024
How can anyone read anything on Moneycontrol 😡😡 It’s just ads. Close one, another pops up.
106K
Niraj Dugar
@contliving
Mar 23, 2025
Buy real estate. Pay stamp duty. Pay brokerage. Pay taxes to own it every year. Pay maintenance. Pay to guard it. Then get screwed like this.
Diksha
@Diksha_Chauhaan
Mar 21, 2025
Senior Dr. Kuldeep Sharma,a renowned urologist,legally purchased a plot and built a flat. After four years,the Ajmer Development Authority demolished it without notice, citing a procedural error. A law-abiding doctor suffers,while real criminals roam free. Is this justice?
00:00
58K
Niraj Dugar
@contliving
Jun 1, 2024
This is from air purifier in one room. Many said Hyd doesn’t need air purifiers 😄
218K
Niraj Dugar
@contliving
Jul 30, 2025
2% return on a 1 crore investment is higher than 12% return on a 10 lakh portfolio. You need capital to get wealthy. Only high income can do that for you.
30K
Niraj Dugar
@contliving
Mar 29, 2024
Spoke to someone today who bought a 18 lakhs car the moment his salary went up from 15 lakhs to 20 lakhs earlier this year. Current net worth - negative. How are people comfortable with this? What cant a 6 lakhs car solve that 18 lakhs one solves?
271K
Niraj Dugar
@contliving
Jun 17, 2025
Because of poor service from Eureka Forbes, we decided to switch to another RO purifier. Subscribed to Livpure. We use it at our office in Gurgaon. It’s been more than a week since I paid. Took 3 days for purifier to deliver and it’s been sitting since then for installation.
77K
Niraj Dugar
@contliving
May 28, 2023
Some thoughts on how I like to spend money - 1. Buy durable stuff Spend money on things that last very long. For example, my wallet is 5 years old and counting. Buy things that are built to last. I use the slim fold wallet that my wife gifted in 2018.
311K
Niraj Dugar
@contliving
Sep 8, 2021
A simple rule to buy a house in your 20’s - Don’t buy one till you’re 40.
Niraj Dugar
@contliving
Jul 23, 2024
NPS contribution through employer, which is tax exempt, has been increased to 14% from 10%. This is superb change. Effective 1 April 2025.
183K
Niraj Dugar
@contliving
Feb 27, 2025
My wife is the best long term investor. All money in mutual funds, epf and ppf. Doesn’t care about volatility. Doesn’t look at her investments. Qualities of a wealth creator.
39K
Niraj Dugar
@contliving
May 29, 2023
Journey of a bank RM - 1. Start with a bank after MBA. 2. Gets some accounts allotted by the branch. 3. Touch base with existing clients and introduce himself. 4. Open new through walk-ins and references. 5. Focus is on sales - insurance, loans, bank accounts
240K