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Welcome to "So Said Saurabh," a podcasting website maintained by Dr Saurabh Bhatia; i.e. me.

The podcasts will be tagged by Seasons or themes for your ease.

Season-1 (Entrepreneurship)(finished)

Season-2 (Dirty Secrets of Health Industry)(Ongoing)

Quickies (Quick questions answered by me as videocast) (financial Indepence/ Retire Early or FIRE) (Visit


The best way to connect with me:

Telegram: tele

Don't forget to check the books I write and more about me.

Also, do connect with me on LinkedIn 

My Youtube ChannelAll podcasts are also available on my YouTube channel; (

What the hell is a Podcast

It is like a radio talk show where the host of the podcast talks to you (sometime with guests)
Podcasts are really just like a radio program on a radio station (podcast channel) put up on the internet for you to listen at your own convenience. Podcast is just another name for an audio file, MP3 usually, which can be downloaded and played on any of your music players

Do I need a Special Podcast Player or App for this? No you don't. You can hear it from my website or youtube channel also
if you have a podcast app it is helpful. The App is more like 'TV program guide' where all good podcast stations are listed and their episodes listed for you to click on and listen.

Some good apps are: Podbean, podcast go, google podcasts, iTunes, Stitchers Spotify.

My New Book released

May 3, 2019 @ 7:31 pm

With this book, I want to share an easy, scientific and logical system, which people can use with confidence, to generate money from stock markets with minimal risks, if at all. 
And that too, without devoting hours and hours watching markets rise and fall.
The most important target for this book is to let an absolute layman comprehend the system and execute it, without the use of difficult financial, mathematical or jargon-based content.

I hope that every layman (in terms of stock market) will find it useful and make money from it.

I do not want this to be an encyclopaedia on stock market; instead i have produced a quick and actionable guide for the average investor to act and make money. 
Go ahead and make money

Happy riches to you.


Season-3 coming soon

April 20, 2019 @ 8:37 am

download_9_.jpegI have had a hiatus of 2.5 months trying to streamline some of the processes i needed to streamline for a better experience to the listeners.

And now, season-3 is about to be launched.

what you will get is more frequent but shorter podcasts, greater focus on stock markets and regular updates on parallel income generation.

So stay tuned...


BnB-E4- What to do when Home Loan Rates change?

January 28, 2019 @ 10:18 am

Copy_of_Copy_of_www_bullsnbeer_in.pngWhen home loan interest rates change, people assume that they will automatically recieve the benefits of such changes. Little do they know that banks have a well laid out plan that even when the rates come down, they have a plan to screw you out of any possible benefit. Listen to this podcast to know the reality and become a smart borrower who knows how to reap the benefits of such changes in a growing economy.

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BnB-E3-Should I pre-pay my homeloan?

January 15, 2019 @ 9:00 am

www_bullsnbeer_in_2_.pngIn this podcast I am going to talk about a situation where a person with a homeloan has received some lumpsum money and is unable to decide whether one should prepay the loan and become debt-free or one should keep this money and let the loan run through its tenure

I have also developed a tool to figure out each case and the tool is available FREE here. No registration required.

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BnB-E2: Why the 4% rule fails in India

January 8, 2019 @ 9:17 am

www_bullsnbeer_in_copy.pngWhile most of the western world swears by the 4% rule for financial independence, this rule falls woefully short in India.

Western FI specialists recommend to accumulate 25 times your annual income and withdraw 4% of it every year to have a never ending income stream. But how will we make this work in an inflation prone economy like India's? Listen to this podcast for a deeper understanding.

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BnB-1: Launch of

December 26, 2018 @ 9:00 am

For a long time in my life, i have contemplated being financially independent so as not to work 9 to 5 and slog to earn money. My idea of life is to have income from momentum efforts (make efforts one time but reap benefit multiple times) (mostly) and live on that income to do what you love to do (without @$$holes telling you what to do in office/ life).

Therefore my aim has been to become able to earn from momentum efforts like invest in a property and reap rentals, or create a course and enjoy repeated returns from enrolments, write books and enjoy royalty from repeated sales. Any effort that gives me only this month's salary is a wasted effort, IMHO.

Therefore this website will be dedicated to my F.I.R.E. efforts using stock markets, realty, courses, books and all other things that I'd do to remain financially independent thru momentum efforts.

The posts on this site will be a mix of podcasts and articles so be sure that you subscribe to my podcasts from or see them at Youtube on, my channel.

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S2E1 Update: J&J to pay 1.2 crore compensation per patient

December 2, 2018 @ 1:39 pm

In this episode I am providing the update to the previous episode


Moneycontrol's podcast yesterday confirmed that J&J have been ordered to provide 1.2cr per patient as compensation (

The first of its kind landmark judgment for healthcare industry to make defaulters pay for their shortcomings.

Spread the word. Let those who were wronged get adequate compensation.

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Should I commute my pension?

November 30, 2018 @ 12:42 pm

Should I commute my pension?

This is a vidcast to help Indian government employees comprehend the benefits of Pension commutation as of today



S2E1- Toxic Hip Implants (Dirty Secrets of Health Industry)

November 28, 2018 @ 8:03 pm

In this first episode of Season-2, i have brought out and highlighted the case of Cobalt toxicity that was caused by Hip implants from JnJ/ DePuy. The case highlighted flaws in device approval and research systems where a device that was toxic was allowed in the market for several years before being finally recalled by the company.

At the same time, "even as one metal-on-metal hip implant was being recalled and cases against it were being settled, the same company, DePuy, was marketing another prosthetic hip, the Pinnacle (Ultamet), with the same metal-on-metal design."

In 2018, Times of India reported that JnJ was ordered to pay INR 20 Lakhs/ patient.

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S1E6- Season Finale- Exit Strategy-II + Book Review of “Disrupted”(Hubspot in a spot)

November 17, 2018 @ 9:32 am

In this season finale episode, I have discussed the second part of exit strategy for entrepreneurs and have reviewed the book Disrupted by Dan Lyons. In the former I have talked about how the entrepreneurs should choose between sell out or IPO route while in the latter, i have detailed out the stuff about the book Disrupted in which a 52 year old 'marketing Fellow' joins Hubspot only to end up with comic (first) and tragic (later) situations.

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S1E5- Do you have an Exit Strategy? part-1

October 28, 2018 @ 1:10 pm

In this episode I will discuss the foundations of that business model which is going to eventually determine your exit strategy. In part-2, I shall discuss the execution of the exit strategy.


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S1E4-Should you quit ur job to start ur start-up?

October 20, 2018 @ 8:41 am

In this episode we are going to discuss my experience and general wisdom about whether one should quit one's job or not while starting their own startup company

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S1E3-Finding a Co-Founder

October 15, 2018 @ 6:53 pm

Finding a co-founder who will last as long as your success takes, can be a challenge. In this episode we explore the options available to entrepreneurs, and their pitfalls.

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S1E2-The ZOHO Fiasco- What can start-ups learn?

October 5, 2018 @ 3:51 pm

In this episode i have drawn some lessons from the ZOHO Fiasco (

I have undergone similar embarrasment as Zoho and had to make repairs; therefore i am able to share the first hand experience of having a domain blocked and blacklisted. Start-ups can learn what to do to avoid having their domains blocked or blacklisted.

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S1E1-The Go2Market strategy- Big Bang

October 3, 2018 @ 1:14 pm

In this introductory podcast, I shall narrate my own experience when questioned by investors about big bang approach to go to market with a product; and then discuss the 2 possible approaches which are quite opposite but suitable for entrepreneurs in different situations.

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