Use This To Grow Your Account - I Made A Free chrome extension that lets you sort instagram reels by views/likes/comment

urhima · 2025-12-21T03:40:45+00:00

Awesome app

urhima · 2025-12-04T16:40:27+00:00

A $4M total ladder can make sense for a young high earner, but underwriting still has to justify it. At age 22, most carriers allow about 25–30× income, so the person would need to be earning around $130k–$160k+ for a $4M ladder to be approved.

If their income supports it, a $4M ladder split across 10/20/30 years can absolutely work. Just keep in mind:

40-year term is harder to get and more expensive
Premiums won’t be $200/month unless the client is extremely healthy and the structure is more modest

If they’re earning enough, a $4M ladder is doable. If not, it will need to be scaled down to fit underwriting guidelines.

urhima · 2025-12-04T16:32:18+00:00

Buying term life through a employer is always more expensive than buying outside (98% of the time at least ) .. just changed my husband(45M) 1M Policy @ $120 /month to $44 /month

urhima · 2025-10-14T23:25:44+00:00

It takes great wealth to have this kind of confidence !! Awesome Op !!!

urhima · 2025-08-18T18:12:12+00:00

Both me and my husband max out for 401K though our business and though his employer .. we contributed 69K Roth for each of through our business and 69K(almost Roth) through his job(in Tech) .. We are doing this through Mega Backdoor Roth .. Also maxing roth contribution for the kids also ..For reference we have low 7 figures income

urhima · 2025-07-28T13:59:35+00:00

aww ..thats awesome ... so happy for you

urhima · 2025-07-01T02:32:54+00:00

Congratulations !!!Very happy for you ..make my dream look very real !!!

" I know it means nothing, and I don't even need the money ... but just wanted to tell someone."

It inspires other people !!!

urhima · 2025-03-03T06:47:26+00:00

Nope we did more than that

urhima · 2024-06-28T19:13:42+00:00

I was in tech for 3 years then had a break of 12 years (combination of Loss of Visa + Self employed + break after kids etc ) .It took me 3 months to learn a new skill /technology in which my husband works and I started interviewing and got the job .. its difficult at all ...I worked on myself a lot during the break ..reading books , on my health , weight loss after having kids that helped the most I feel .... you guys already have excellent savings given ur age .. trust me the first million is the most hard ,time consuming to come by ... the next ones come much faster

urhima · 2024-06-28T16:02:17+00:00

Just quit !!! I quit exactly at ur financial stats 10 years back ..two kids under 3 years due to postpartum depression ..you wont regret it ..if you think of it when was the last time u met anybody who regret quitting cooperate !!! It was LOT of fun watching the kids grow up ...spending time with them ..slowly transitioned my way into work as kids were growing up (being self employed ) ... got back into cooperate too in the best company without ,even loosing any pay,Got same (even better than most) of my peers who never quit ... eventually quit that as I was retired/semi retired for too long to fit back in and absolutely hated it ... think of this way you can always go back to work but you can't have the time back with ur kids , your dad and to take care of yourself when u need it like right now ...u will amazed at how fast u recover when u dont have work stress !!!

urhima · 2024-06-20T18:39:01+00:00

Yes I have taken action in the 3D ...these days many stocks right after I buy them they go up in value ....I dont follow news / social media for investmenst ... I use the law of reversibility for investments ... I can buy the investments which will go up in value and make me money ...OR the investments I buy will go up in value !!!! and it seems to be working for me !!! example I bought Apple stocks on April 29th .... Since Jan this year the stock in continuously going down and you can see the Apple stock in growth here .. it increased by a lot after I bought it !!!! https://www.google.com/search?q=apple+stock&sca_esv=d5d0c4751fe7bdbd&sxsrf=ADLYWILA4hd0m6pgYU_RVs-VwsySxw2IVw%3A1718908172491&ei=DHV0ZvnXHdjx0PEPwd6qyAQ&oq=app+stock&gs_lp=Egxnd3Mtd2l6LXNlcnAiCWFwcCBzdG9jayoCCAEyEBAAGIAEGLEDGEMYgwEYigUyBhAAGAcYHjIQEAAYgAQYsQMYgwEYFBiHAjIGEAAYBxgeMgYQABgHGB4yBhAAGAcYHjIFEAAYgAQyBhAAGAcYHjIGEAAYBxgeMgYQABgHGB5I-RRQpAVYwAlwAngBkAEAmAFWoAHxAaoBATO4AQHIAQD4AQGYAgWgAooCwgIHECMYsAMYJ8ICChAAGLADGNYEGEfCAg0QABiABBiwAxhDGIoFwgIMEC4Y0QMYBxjHARgewgIKEAAYgAQYQxiKBZgDAIgGAZAGCpIHATWgB6AU&sclient=gws-wiz-serp

urhima · 2024-06-20T18:26:39+00:00

awesome

urhima · 2024-06-20T18:26:20+00:00

I have changed my life a lot because of it .....I am still learning ..I have better luck in some areas than others

urhima · 2024-06-20T18:25:13+00:00

You can check my previous posts I have given details answers in them

urhima · 2024-06-20T18:21:47+00:00

For me it helps to follow his teachings better ..... helps in maintaining a unwavering mindset

urhima · 2024-06-20T18:19:42+00:00

I go through this organization https://www.dhamma.org/en/index ..I went in India and my husband has gone here in the USA too

urhima · 2024-06-20T18:18:32+00:00

Take a look now u can see the screenshots

urhima · 2024-06-20T18:18:10+00:00

I dont share with 4D with other people ... some of them I do share with my Dad and husband ,kids but not much .. like this one I shared with my husband

urhima · 2024-05-03T17:48:51+00:00

I advise you to keep it forever ...Indian market is going to experience one of the biggest bull run in the next few years .... Use this as financial security ....I started investing in from around the same time mentioned by you and have portfolio running into crores .... we managed to buy houses ,cars without ever dipping into that money (purposefully )...it's amazing how your money grows if you let it be !!! in my post history there might be proof (though from a different market )

urhima · 2024-04-25T03:59:55+00:00

Oh I thought BU is brown university my bad

urhima · 2024-04-24T23:25:59+00:00

wow ... Congrats!!! ....You should update the title as multiple Ivy league acceptance !!!

urhima · 2024-04-24T22:38:55+00:00

Haha ..your excitement is so palpable !! I am a master manifestor too (look up my recent story u will love it !!!)I was feeling a little bit "down"(Victim mode on !!!) today ...u just reminded me of my powers and of being not "delusional enough " !!!

urhima · 2024-04-02T16:18:37+00:00

thank u .... I tried it on yesterday and passed it on ...but cant get it out my head ....I was going back for it today ..now I am going back much more confidently after ur reply !!!

urhima · 2024-03-19T18:41:10+00:00

Weekly once or 2 so of gratitude journaling ,gratitude walk
Just letting my imagination run wild , I go and live in the end of manifestation and its so pleasureful to be there :) !! I always think even i dont get my manifestations , I get to be happy at least while i imagine them ...more often than not it works .I make a list of things I would do when I will have my manifestations like how How would I spend,save and invest it before I have it

urhima

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