You earn ₹10–50 lakhs a year. So why does retirement still feel 20 years away?
The same salary. A smarter system. A practical path to financial independence in 5–7 years — without changing your income, and without the hidden commissions quietly eating your returns.
Say no to the mistakes quietly costing you your future
Staying dependent on your job for income, 5–7 years from now, because no passive income was ever built
Trusting advice from banks and agents whose incentive is the product they sell, not your outcome
Losing lakhs to crores in hidden commissions buried inside regular mutual fund and insurance plans
Putting your hard-earned savings into instruments you were sold, not ones you chose with clarity
Investing every month without a real goal, a real number, or a real plan behind it
Reaching your 50s and only then discovering the retirement corpus falls short
Every year without a system is a year of compounding you don't get back.
Three tools. One system. A clear path to financial freedom.
Wealthy IQ isn't a single video course — it's a complete framework to learn, test, and act on your own finances.
Money IQ Class
The recorded curriculum covering the actual rules the wealthy use for wealth creation — mutual funds, tax, insurance, retirement and goal-based investing, in plain language.
Self Wealth Test Report
Seven detailed reports on your financial health — your real returns, your retirement readiness, and exactly how much you're losing to hidden commissions today.
PlanYourWorld Wealth Scan
Software and Excel-based tools to scan every existing investment, insurance policy and loan you hold — and any new proposal before you sign it.
A structured, three-session curriculum
Designed for people with full-time jobs — watch on your own time, at your own pace, for life.
Session 1 — Foundations of wealth creation Recorded
+- Why financial advice matters, and how to evaluate any advisor or proposal
- The most common ways families quietly lose wealth — and how to spot them
- Wealth killers versus wealth creators, explained with real numbers
- How to estimate a realistic budget for every financial goal you have
- Life insurance: how much you actually need, and where policies waste money
- Mutual fund foundations and how to select the right schemes
Session 2 — Mutual funds and tax efficiency Recorded
+- How mutual funds are actually taxed, and how to plan around it
- SIP and lump sum rules that most investors get wrong
- How to make up to ₹1.25 lakhs of gains tax-free every year
- Direct versus regular mutual fund plans, and how to switch without penalty
- Goal-based investing and asset allocation rules used by professionals
- Planning your child's education and settlement as a funded goal
Session 3 — Retirement and financial freedom Recorded
+- Testing how prepared you actually are for retirement, right now
- Retirement corpus versus income strategy — which one you should plan around
- How pension plans, SWPs and NPS actually work, compared side by side
- Calculating the exact corpus you need to retire on your terms
- Building a genuine wealthy mindset and comparing passive income options in India
- An introduction to financial planning software and how Level 2 works
Plus nine tools you'll use again and again
Built for working professionals, not full-time traders
Wealthy IQ is right for you if
- You earn a strong salary but have no clear plan for financial freedom
- You want to manage your own money instead of relying on an agent's word
- You're saving every month but aren't sure it's building toward anything specific
- You want your children settled and your own retirement secure, without guesswork
- You have 30–60 minutes a week to invest in learning a system that pays for decades
This isn't for you if
- You're looking for stock tips or a get-rich-quick scheme
- You'd rather hand over every decision and never look at your own portfolio
- You're not willing to spend a few hours actually going through the material
What working professionals say after joining
Discovered PlanYourWorld through a friend's recommendation and joined with the specific goal of reaching financial freedom as early as possible — and has been learning something new in every session since.
Wishes this had come along two decades earlier, calling it the real answer to a problem long searched for — and has since brought a family member into the programme too.
Was skeptical at first and started slowly, but now describes being roughly 80% of the way to the goal — and has come to trust Viplav's judgment completely.
Credits the programme with helping build a personal pension by age 43, using concepts never encountered before joining.
Describes the approach as a genuinely analytical path to financial freedom, praising the clarity of thinking and the ability to deliver practical results toward each member's goals.
A senior manager who joined for future financial planning, and now recommends the programme without hesitation to anyone serious about securing their future.
Everything you need to manage your own wealth
- Money IQ recorded class, 3 sessions ₹4,999 value
- 9 wealth-planning tools ₹2,499 value
- Self Wealth Test report, 7 reports ₹1,499 value
- PlanYourWorld Wealth Scan ₹999 value
- Wealthy IQ live class, weekly Free year 1
- Lifetime course access and club membership Included
One-time payment · lifetime access · limited seats per batch
We'll send your User ID and Password to your email ID.
Before you enroll
I'm not from a finance background. Will I understand this?
+- Yes. The course is built specifically for non-finance professionals, using plain language, real examples, and tools that do the calculations for you.
How much time do I need to commit each week?
+- Most members complete the recorded sessions in 30–60 minutes a week alongside a full-time job, at their own pace, with lifetime access to revisit any module.
Is the live class included, or is it extra?
+- The Wednesday 8 PM live class is free for your first year, and ₹999/year from year two, covering mutual funds, insurance, tax, law and more.
Do I get access on my phone as well as my laptop?
+- Yes. Your dashboard and all recorded sessions are accessible from any device, any time, for life.
What happens right after I enroll?
+- You'll receive your user ID and password by email immediately, giving you instant access to the Money IQ class, all nine tools, and your Self Wealth Test report.