Over the last year, I’ve become more financially aware and taken real steps—sold a vehicle, started investing, and cleaned up habits. Thanks to @Navjot Bindra for youtube videos and @Navjot Singh for newsletters. Cheers! Combined situation (me + wife): • Household income: ~$110k annually in Alberta • Currently at Step 1 of a 6-step wealth-building model I’m about to receive $50k from an asset in India. This is very important to me—it’s the only capital I had back home—so I want to be intentional with how it’s used. Option A – Stability & Cash Flow • Pay off car loan ($25k) → frees up $610/month • Clear consumer debt / LOC ($10k) • Build emergency fund (~$15k) Option B – Calculated Risk & Execution I’m in the execution stage of a catering business I’ve been planning for a while. • $25k – equipment • $10k – consumer debt payoff • $10k – groceries / household buffer for a few months (wife covers fixed expenses) • $5k – business contingencies If it doesn’t work out in 3–4 months, I’ll pivot or return to work and reassess. Combined Financial Snapshot (High Level) Investments / Assets: • RRSP: $15k • TFSA: $35k • Real estate equity: ~$70k (primary + investment) Debts: • Mortgages: ~$318k • Car loan: ~$25k • Consumer debt: ~$10k (temporary) Poll Question: If this was your only meaningful lump sum, what would you prioritize at this stage?

Hi, Nav is there really a way where one can connect for a one to one call with you? If one is not your client or buying anytime soon? @Navjot Bindra

Tomorrow is Call #50 ❤️ Have come a long way! Who’s joining tomorrow? Tomorrow’s topic: Reflecting back on our life from 10 years ago. That’s Jan 11, 2016 - I was in Hong Kong, climbing the corporate ladder and on path to becoming the youngest director in my company of 50,000+ employees. Before I even knew I could do business. Before any of them failed 😉 10 years is a long time! Imagine what would life be 10 years from now! Jan 11, 2036 🤯

In today's 5AM call, we discussed about 1 habit that as a deep impact on our overall lives. Many of us shared our thoughts around this. Let's put our top Habit that's had an impact on our lives in this post. I will go first: 1. Waking up early and getting difficult / important things done before the world wakes up. 2. Dividing my to-do list into Urgent vs Important tasks - so that only the urgent tasks don't take priority. Let's go 👇

Today’s morning call was my first ever session with the 5am Club fam 💪✨ Even though it was 3am in my time zone, I still showed up — and I’m so glad I did. 🥹 Everything Nav shared today hit home for me. In 2019, when Covid hit, my business started bleeding. A lot of credit and receivables were never recovered, and it still hurts to think about it. In 2021, I moved to Canada as a student, and every odd job I did here made me even more frustrated because back home my business was actually making decent money. Starting all over again from zero in a new country was brutally hard. 😓 But honestly, I’m happy I moved. 🇨🇦 Canada has made me more down to earth, more humble, and truly grateful for whatever I have today. Recently, I was blessed with a baby girl and I bought an apartment — two huge milestones that mean the world to me. 👶🏡 If there is one big mistake I made, it’s that I never really invested in my skills after moving here. But sooner is better than later. 2026 is my year. 🚀 This year I’m going all in on: • Investing in myself and my skills 📚 • Building a 6‑month emergency fund 💰 • Preparing to pull the business trigger again here in the land of maple and snow 🍁❄️ Fingers crossed — let’s see how it goes. Cheers to growth, discomfort, and new beginnings! 🥂✨