3 Important Life Situations

Financial Wellness begins with understanding the three critical life situations that shape our financial journey Living Too Long, Living Too Short, and Medical Emergencies.
These situations represent the pillars of life success and financial security. When planned wisely, they ensure peace of mind, happiness, and stability for you and your family.

3 Important Life Situations

Financial Wellness can be achieved when all three life situations are properly understood and perfectly planned. These 3 situations are like the three important pillars of Life Success. Unless one has crystal-clear clarity of each situation, understanding Financial Literacy or achieving Financial Wellness will not be possible.

These situations define how we live, protect, and sustain our loved ones financially throughout life. Let’s understand each of these crucial life scenarios and how thoughtful planning can ensure peace of mind and lifelong stability.

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3 Life Situations Financial Planning

Understanding the 3 Life Situations

1. Living Too Long – Aysugman Bhav!!
A long life is a true blessing. But longevity means you’ll go through many financial stages — from marriage, children’s education, home building, and lifestyle upgrades to retirement and beyond. To maintain financial independence, one must save and invest wisely. A fund size of ₹3–10 Crore may be necessary to sustain a comfortable life till 85–90 years of age.

2. Living Too Short – Life’s Uncertainty
Life can be unpredictable. In case of an untimely demise, your family must have strong financial support. A Term Insurance cover of 20 times your annual income ensures the family’s lifestyle continues smoothly. For example, if your annual income is ₹25 Lakhs, you should have at least a ₹5 Crore Term Plan.

3. Medical Emergency – Unexpected Realities
Health crises like Cancer, Kidney Failure, or accidents can arise without warning. The best way to secure yourself is through adequate Health Insurance. A base cover of ₹5–15 Lakhs with a Top-up of ₹1–5 Crores ensures that medical expenses never become a burden.

Anyone who has planned for these three life situations is truly Financially Literate and a responsible family head — someone who can sleep peacefully, knowing their loved ones are fully protected.

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testimonial

Real transformation stories from Kamal K. Sharma’s

I am associated with Mr. Kamal for over 7 years now, his expertize of the subject and concern for his investors (whom he treats as true friends) is exceptional. Its wonderful experience dealing with him and his advice is always very fruitful. Beyond Finances, I count of him as a true friend and family.

Major Gurmeet

Hello Mr. Kamal, Its so wonderful that you have got your website now, you definately deserve to be there on larger platform. Thanks for all your inputs, words of wisdom and showing us the way forward. More glory n power to you. .

Capt Akash

Hi Kamal, You have been a wonderful professional and I am truly impressed with the ways you connect with people. That's true that managing Finances is no rocket science but its not anything lesser than that. You have certainly made our lives easier and Financial journey ahead crystal clear for us.

Kudos!!!

Maj Gen P Sundram

Undoubtedly Managing Finances is a complicated job and while in Uniform, we normally keep Finances on back bench as there are much bigger priorities. A good advisor certainly makes life much easier. Thanks for your inputs on Retirement Planning.

Brig SK Das

At the times when expenses are sky rocketing, shopping list is getting little longer everyday, Lifestyle Needs, Inflation and so on so forth....its very important to foresee the Financial future and be adequately prepared to face the challenges of tomorrow. Mr. Kamal K Sharma has made life very easier with his thorough and professional approach. His connect is excellent and conduct is extra ordinary

Jai Hind

Cdt BB Singh

I was very unorganised in my finances till the time I met my friend Mr. Kamal K Sharma about 10 years back. His wisdom & advice have made our finances much organized. His hard-core knowledge, belief and commitment is highly appreciated. To be very frank my sons Jatin & Jitesh will owe it to Mr. Sharma for their Higher Education Fund that Mr. Kamal advised is about 5 years back. I have referred my most of the friends and family to him.

Abhijit Mondal

Listening to Mr. Kamal K Sharma is truly mesemerising, his in depth knowledge on the subject and the way he connects with audience is highly appreciated. I feel very empowered after connecting with him.

Thank you so very much sir.

Surbhi-IIM, Jammu

Mr. Kamal K Sharma visited our campus to deliver his NISM series lectures, he has a magical connect with the students of our age. The way he explained Life Journey to us was an eye opener and I am personally and many like me are immensely benefitted with his lectures.

Ankita-SMVDU,Katra

I have been earning for over 20 years now and was stuck up with Investments only in Insurance, Post Office or cash lying ideal in bank Saving Account. One of the session conducted by Mr. Kamal K Sharma at Dehradun changed my thought process and that was the beginning of new life for me. His thrust on 3 Life Situations is excellent and as I enter 6th year of my Investing in Equities & Mutual Funds, I feel more comfortable & confident.

God bless Mr.Kamal K Sharma.

Kamal sir’s leadership seminar in KrishnaMera Kamal K Sharma saab se sampark hamaari unit mein ek lecture ke dauran hua tha, jahan par Kamal Saab ne hame Retirement ke liye kaise tayar hona hai aur paisa kaise manage karna hai uske बारे mein bataya tha. Yakin maaniye, is se pehli kabhi aisi baaton ka jikar nahin hua tha. Unke bataaye anusaar maine apna paisa SWP mein lagaya aur aaj mujhe har mahine paisa MIS ke roop mein mil raha hai aur mera fund mein pada hua paisa grow bhi kar raha hai

Bhagwan kamal saab ko salamat rakhe

Sub Sant Lal

I have recently started my job in IT Industry and have been really lucky to get the blessings of Mr. Kamal K Sharma, he has made my road map clear for next 20 years. I have no intentions to work till 50 - 60 yrs, If all goes well I can definately think of and plan Retiring at the age of 45 years and that too with About 75 Crore. Thank you so much sir for opening my eyes at this early age of my life.

Bhavin Anand

IT Professional

It has been pleasure as well as an honor to know Mr. Kamal K Sharma. He is a profound writer and very articulative in his approach towards Financial Literacy. Before meeting him and attending his one of sessions conducted for school teachers, I never had this understanding about finances that Disciplined Investing can bring this better results. I suggest every female working or homemaker to save a lot and start Investing with the right advice and Handholding of professionals like Mr. Kamal K Sharma.

Thank you so much sir.

Pratibha Patyal

FAQ

My answers

During live sessions, I come across many people in audience who ask very relevent questions, they help me to prepare even better and may be they might be of your interest as well.

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Kamal K Sharma's sessions focus on mindset transformation with complete clarity on Life Goals, How to plan them effectively and how to be ahead of time while preparing for them.

We all are born on this wonderful planet for a reason and have same set of feelings, Situations, Challenges as well as their solutions. Though every situation looks very Unique but trust me a solution is there for every problem in life. My sessions focus on real life experiences and their very practical solutions.

Anyone who wishes to Grow, Lead and Learn for a purpose - from students aspiring to do well in life, young couples looking at life ahead with passion, parents with growing Children, people looking forward to a happy retired life are welcome to attend our sessions. We plan to touch base and cover the How Why and Where of Life purpose.

Rome was not built in a day, success in life is end result of Disciplined Approach, Vision, Patience and Self Committment backed with good habits. If your thought process is a seed to success, our sessions are truly thought provoking..

Yes, I offer both personal and corporate coaching. One-on-one sessions are focused on personalized growth strategies, while corporate programs are tailored to enhance leadership, teamwork, and productivity across organizations.