Author: admin

-Kiran Bhave

Well, did you have your thoughts put together? Now this is tough, needs are limited, but wants are unlimited.

So, let me ask you some simple questions to orient your thoughts. Let’s assume, you are not planning to take an early retirement for whatever reasons and would eventually retire at the age of 58 or 60. Are you sure, you’ve enough to complete all of your current and future responsibilities? Are you confident that you’ll be able to plan foreign trips, your parent’s and family’s health & medical bills with the kitty that you’ve acquired till then? Forget about all, will you be able to sustain your current lifestyle without doing a single compromise?

Many of you will spring back saying I’ve purchased second home, piece of land, retirement plan, I’ve PPF, pension policy, SIP, MF, shares and the like. This is not the answer to my question. My question is whatever is your planning done so far, are you 100% sure that it will take care of your family’s need post retirement? I see a hesitation there to answer a LOUD YES.

Now let’s get real, and take a deep breath for what I’m going to tell you further. It is not something you’d like or expect to hear.

Let me pinch you that you have never sat down to calculate on a piece of paper to estimate what would be your expenses then. Once you hear that your eyes would be wide open with jaws dropped. No exaggeration!!

Now here are some facts – I used to purchase “Modern bakery” bread that was costing Re 1.75 in 1988. The same bread today costs Rs. 22 in 2018. (Update: Rs.32 in 2022). Mind you, that’s the white bread, that no one eats today. So called healthy brown bread costs Rs.33 in 2018. (Update: Rs.50 in 2022). . 30 years later, in 2048, whether you want to trust me or not, in all possibilities, it will cost you in the excess of Rs.300 a loaf of bread! If your monthly expenses are ranging from 40000 to 80000 today, it will then be running into 3 to 6 lacs per month with just 7% inflation with NO upgrade in lifestyle. Your so called comprehensive pension plan / policy won’t even give you 40,000 per month. With that you will barely be able to pay your electricity bill then. Do you still think your retirement pldans and PPF and properties will take care of these expenses?

Well, friends, here I want you to wake up to the reality that the statistics shows that those who retired at the age of 60 without giving any thought to their financial planning with random investments, had to start again some sort of work at the age of 64, whether they desired or not. Imagine your health conditions then as compared to today.

I think that’s enough of horror stories 🙂 although I have more with real examples, I’ll stop here.

Now let me share a part of my story. I’ve taken my early financial freedom at the age of 44 years – 16 years before my conventional retirement age of 60.

Which means, if I assume a life expectancy of 90 years, thanks to medical science, I have whooping 46 years to continue without a paycheck, which is actually more than my age!! Isn’t that stupid and insane decision with the above discussion? Those who know me, they know I am not a risk taker. My household was a single earner home, no inherited properties or wealth. All the planning is done from my Income alone. I am telling you this because, if I can do it, you too can do it.

What makes me so much confident that I’m sure that I’ll never have an issue? The answer is simple, My Money trees are now tall enough and bearing fruits of different colors and shapes that are sufficient for my current and future needs.

Now, how do you know your current and future needs? Here, My personal initiative of अर्थस्वातंत्र्य ™ can come in handy! I can save you a huge amount of time and efforts, as I’ve created a methodology based on my own experience and expertise of over 15 years and extracted into an easy to understand template.

Many of you asked me that you have understood the necessity and would like to spring into action. I’ve a good news for you. With years of my experiments, failures, I now know what works and where are the pitfalls to avoid. I’ve come out with this precious methodology to help my friends achieve their life goals.

If you are interested, you may download the same HERE. This is Level 1 template from Arthaswatantrya. There are 3 Levels and as our discussion progresses, when you complete Level 1, You’ll open up Level 2 template. Level 3 is a personal counseling session with you & your spouse to chalk out an action plan for your family.

The moment you know how much is needed for all your needs and draw an action plan to achieve them based on your current assets, you are well on your way to secure your family financially containing all the worries for money.

When it’s a matter of health, we seek professional advice from qualified doctors. Wealth is equally important too, however, we refrain seeking advice on this front and it’s a huge risk. Without a professional advice, you can’t expect your current random investments will grow into tall trees that will bear enough fruits for your family’s survival when its needed the most.

Without having a comprehensive plan and appropriate actions, you actually cannot stop sowing seeds and start eating the fruits, as the choice of the tree may be incorrect, seeds may be very weak and the fruits from those trees may not be sufficient to satisfy your family needs.

I’ll be happy to become a partner in your journey of financial freedom!

Have a rich, meaningful, happy, healthy and wealthy life!!

(3 Part series ends here)

– Kiran Bhave

Visit http://www.AS-44.com (Artha Swatantrya @ 44)

NISM Level 2 (Highest) SEBI and IRDAI Certified financial advisor
NSE Certified Financial Goal Planner

-Kiran Bhave

Well, did you have your thoughts put together? Now this is tough, needs are limited, but wants are unlimited.

So, let me ask you some simple questions to orient your thoughts. Let’s assume, you are not planning to take an early retirement for whatever reasons and would eventually retire at the age of 58 or 60. Are you sure, you’ve enough to complete all of your current and future responsibilities? Are you confident that you’ll be able to plan foreign trips, your parent’s and family’s health & medical bills with the kitty that you’ve acquired till then? Forget about all, will you be able to sustain your current lifestyle without doing a single compromise?

Many of you will spring back saying I’ve purchased second home, piece of land, retirement plan, I’ve PPF, pension policy, SIP, MF, shares and the like. This is not the answer to my question. My question is whatever is your planning done so far, are you 100% sure that it will take care of your family’s need post retirement? I see a hesitation there to answer a LOUD YES.

Now let’s get real, and take a deep breath for what I’m going to tell you further. It is not something you’d like or expect to hear.

Let me pinch you that you have never sat down to calculate on a piece of paper to estimate what would be your expenses then. Once you hear that your eyes would be wide open with jaws dropped. No exaggeration!!

Now here are some facts – I used to purchase “Modern bakery” bread that was costing Re 1.75 in 1988. The same bread today costs Rs. 22 in 2018. (Update: Rs.32 in 2022). Mind you, that’s the white bread, that no one eats today. So called healthy brown bread costs Rs.33 in 2018. (Update: Rs.50 in 2022). . 30 years later, in 2048, whether you want to trust me or not, in all possibilities, it will cost you in the excess of Rs.300 a loaf of bread! If your monthly expenses are ranging from 40000 to 80000 today, it will then be running into 3 to 6 lacs per month with just 7% inflation with NO upgrade in lifestyle. Your so called comprehensive pension plan / policy won’t even give you 40,000 per month. With that you will barely be able to pay your electricity bill then. Do you still think your retirement pldans and PPF and properties will take care of these expenses?

Well, friends, here I want you to wake up to the reality that the statistics shows that those who retired at the age of 60 without giving any thought to their financial planning with random investments, had to start again some sort of work at the age of 64, whether they desired or not. Imagine your health conditions then as compared to today.

I think that’s enough of horror stories 🙂 although I have more with real examples, I’ll stop here.

Now let me share a part of my story. I’ve taken my early financial freedom at the age of 44 years – 16 years before my conventional retirement age of 60.

Which means, if I assume a life expectancy of 90 years, thanks to medical science, I have whooping 46 years to continue without a paycheck, which is actually more than my age!! Isn’t that stupid and insane decision with the above discussion? Those who know me, they know I am not a risk taker. My household was a single earner home, no inherited properties or wealth. All the planning is done from my Income alone. I am telling you this because, if I can do it, you too can do it.

What makes me so much confident that I’m sure that I’ll never have an issue? The answer is simple, My Money trees are now tall enough and bearing fruits of different colors and shapes that are sufficient for my current and future needs.

Now, how do you know your current and future needs? Here, My personal initiative of अर्थस्वातंत्र्य ™ can come in handy! I can save you a huge amount of time and efforts, as I’ve created a methodology based on my own experience and expertise of over 15 years and extracted into an easy to understand template.

Many of you asked me that you have understood the necessity and would like to spring into action. I’ve a good news for you. With years of my experiments, failures, I now know what works and where are the pitfalls to avoid. I’ve come out with this precious methodology to help my friends achieve their life goals.

If you are interested, you may download the same HERE. This is Level 1 template from Arthaswatantrya. There are 3 Levels and as our discussion progresses, when you complete Level 1, You’ll open up Level 2 template. Level 3 is a personal counseling session with you & your spouse to chalk out an action plan for your family.

The moment you know how much is needed for all your needs and draw an action plan to achieve them based on your current assets, you are well on your way to secure your family financially containing all the worries for money.

When it’s a matter of health, we seek professional advice from qualified doctors. Wealth is equally important too, however, we refrain seeking advice on this front and it’s a huge risk. Without a professional advice, you can’t expect your current random investments will grow into tall trees that will bear enough fruits for your family’s survival when its needed the most.

Without having a comprehensive plan and appropriate actions, you actually cannot stop sowing seeds and start eating the fruits, as the choice of the tree may be incorrect, seeds may be very weak and the fruits from those trees may not be sufficient to satisfy your family needs.

I’ll be happy to become a partner in your journey of financial freedom!

Have a rich, meaningful, happy, healthy and wealthy life!!

(3 Part series ends here)

– Kiran Bhave

Visit http://www.AS-44.com (Artha Swatantrya @ 44)

NISM Level 2 (Highest) SEBI and IRDAI Certified financial advisor
NSE Certified Financial Goal Planner

-Kiran Bhave

Are you still skeptical to even imagine there are possibilities available to you and the fact that YOU have an in-built capability to get a freedom from the stressful routine?

Well then, I recommend you to stop here and continue doing what you are doing happily.

People reading further must possess following traits: Openness of mind, curiosity instead of doubt, relentless commitment to themselves and their family.

Sorry for that harsh warning. But please understand, my writing is not for having 1000 likes or shares, I’d rather want ZERO likes/shares but create 10 readers who would get motivated and start taking actions for themselves and their loved ones.

Coming back to the metaphor that I started with, when we have our monthly paycheck coming in our bank, everyone has some *savings* left which is *invested somewhere.* These *savings* are the seeds I am talking about, rest of the money is spent *buying* the fruits someone else has grown for our current family needs.

Now think of the possibility that the *seeds* (savings) we *sown* (invested) to grow into plants and *trees* (Investments) to provide us *fruits* (Dividend/Interest) in our later days, such that we don’t have to *buy* them, as we are doing it today?

Did you think that fruits that we would get in future, would still have *seeds* for further growth (Unless we grow seedless fruits, that is ;)).

Now this is too rosy, right? All along we have been hearing from our parents “Paise kya ped pe ugte hai” “Does money grow on trees?”.

My dear friends, today I want to answer that question as “Yes” and there are hundreds of Money Trees!! Their behavior is also analogous to real trees and they also have fruits with different shapes and sizes!!

But my question is are you ready for Money farming? It has similar risks that a farmer has.

Can a farmer say if I plant 10 seeds, it will grow 10 trees?

Some will not even incubate, some will be plucked by birds/animals while at sapling level.

Some will acquire some diseases, and only possibly one will see the bright sunlight and enjoy life and start bearing the fruits

When people ask me, Kiran, how do we know which one of that seed made to the tall fruit bearing tree? My answer to them is “Well, did the farmer know that answer?” Absolutely not, but what he did instead is he had sown 10 seeds and given equal love and affection, equal efforts and attention to all of them.

Did the best possible use of what he had in his hand, rest followed naturally and automatically.

Robert Kiyosaki, the well-known author of the best-selling book “Rich Dad Poor Dad” says, you’ll find many ordinary people who haven’t lost any money in the investment, but you’ll not find a single rich person who have never lost any money, ever!! Now, that doesn’t mean that if you’ve lost money, you are rich :), are you?

I compare job as a *golden cage*. With a promotion, you get a bigger and spacious golden cage. The owner will take very good care of you, you’ll have everything to feed on, with more space, you’ll think you have got a freedom. You also have a safety and security of the cage itself.

Well, jobs are not bad, if you are enjoying your work and life within the cage and happy to remain within the cage with the sense of security given, this discussion is not for you. Because, ultimately, being happy is what matters the most in life.

It is only the burning desire set within you to fly high makes us think of boundaryless freedom.

What pulls us back is our own disbelief on whether you’ll be able to survive the outside world which is totally unknown. That’s the reason we crave so much for our school and college days. Those were the real golden days with boundaryless freedom.

Even if destiny sets you free, when someone is laid off from a job, rather than discovering opportunities in outside world, he/she desperately starts looking for getting inside any cage that is out in the market. At times, even a smaller cage, for a fact that they are not open to ideas and being outside cage frightens them to death.

Do you think someone can offer you the same employment benefits, security, etc. and you don’t even have to work for him? Sounds crazy? But yes, there is a person who is holding that opportunity for you. Its none other than YOU YOURSELF.

Well this sets up a new question in front of us? How much money do YOU need when you say, I’ve enough and don’t need anymore?

Let’s ponder over this till we meet next time!

-Kiran Bhave

Are you still skeptical to even imagine there are possibilities available to you and the fact that YOU have an in-built capability to get a freedom from the stressful routine?

Well then, I recommend you to stop here and continue doing what you are doing happily.

People reading further must possess following traits: Openness of mind, curiosity instead of doubt, relentless commitment to themselves and their family.

Sorry for that harsh warning. But please understand, my writing is not for having 1000 likes or shares, I’d rather want ZERO likes/shares but create 10 readers who would get motivated and start taking actions for themselves and their loved ones.

Coming back to the metaphor that I started with, when we have our monthly paycheck coming in our bank, everyone has some *savings* left which is *invested somewhere.* These *savings* are the seeds I am talking about, rest of the money is spent *buying* the fruits someone else has grown for our current family needs.

Now think of the possibility that the *seeds* (savings) we *sown* (invested) to grow into plants and *trees* (Investments) to provide us *fruits* (Dividend/Interest) in our later days, such that we don’t have to *buy* them, as we are doing it today?

Did you think that fruits that we would get in future, would still have *seeds* for further growth (Unless we grow seedless fruits, that is ;)).

Now this is too rosy, right? All along we have been hearing from our parents “Paise kya ped pe ugte hai” “Does money grow on trees?”.

My dear friends, today I want to answer that question as “Yes” and there are hundreds of Money Trees!! Their behavior is also analogous to real trees and they also have fruits with different shapes and sizes!!

But my question is are you ready for Money farming? It has similar risks that a farmer has.

Can a farmer say if I plant 10 seeds, it will grow 10 trees?

Some will not even incubate, some will be plucked by birds/animals while at sapling level.

Some will acquire some diseases, and only possibly one will see the bright sunlight and enjoy life and start bearing the fruits

When people ask me, Kiran, how do we know which one of that seed made to the tall fruit bearing tree? My answer to them is “Well, did the farmer know that answer?” Absolutely not, but what he did instead is he had sown 10 seeds and given equal love and affection, equal efforts and attention to all of them.

Did the best possible use of what he had in his hand, rest followed naturally and automatically.

Robert Kiyosaki, the well-known author of the best-selling book “Rich Dad Poor Dad” says, you’ll find many ordinary people who haven’t lost any money in the investment, but you’ll not find a single rich person who have never lost any money, ever!! Now, that doesn’t mean that if you’ve lost money, you are rich :), are you?

I compare job as a *golden cage*. With a promotion, you get a bigger and spacious golden cage. The owner will take very good care of you, you’ll have everything to feed on, with more space, you’ll think you have got a freedom. You also have a safety and security of the cage itself.

Well, jobs are not bad, if you are enjoying your work and life within the cage and happy to remain within the cage with the sense of security given, this discussion is not for you. Because, ultimately, being happy is what matters the most in life.

It is only the burning desire set within you to fly high makes us think of boundaryless freedom.

What pulls us back is our own disbelief on whether you’ll be able to survive the outside world which is totally unknown. That’s the reason we crave so much for our school and college days. Those were the real golden days with boundaryless freedom.

Even if destiny sets you free, when someone is laid off from a job, rather than discovering opportunities in outside world, he/she desperately starts looking for getting inside any cage that is out in the market. At times, even a smaller cage, for a fact that they are not open to ideas and being outside cage frightens them to death.

Do you think someone can offer you the same employment benefits, security, etc. and you don’t even have to work for him? Sounds crazy? But yes, there is a person who is holding that opportunity for you. Its none other than YOU YOURSELF.

Well this sets up a new question in front of us? How much money do YOU need when you say, I’ve enough and don’t need anymore?

Let’s ponder over this till we meet next time!

Most people think that they have no other option but to slog every day from dawn to dusk and beyond, till either their formal retirement or untimely death due to heart attack, stroke, liver/kidney failure or cancer. With so many examples happening around, It’s sad, but true.

Knowing that they are headed for this, they fail to make necessary changes to their lifestyle routine and finances that will get them out of this exhausting and stressful lifestyle.

Forget about time for their family, they aren’t even able to take time out for themselves.

In younger ages, the body sustains all the injustice made to it and forgives all the abuses . It tolerates it for as long as 10 years before it starts complaining; initially with subtle warning like headache, acidity, body ache. Later it changes into knee pain, gained weight, elevated blood sugar, blood pressure, eventually into conditions like diabetes, thyroid disorders, arthritis, chronic back pain, heart diseases and other serious health conditions.

With more money in hand due to increase in salaries, people with such conditions feel like cars, air conditioning, hoteling are the ways – that they can now afford – to pamper their ailing body. But what they don’t know is that they are actually adding fuel to the fire by all these acts of so called Comfort / Luxury!

Adults do not stop here, they not only are already a part of the battle of life, but also make their children get into this rat race at a tender age to make them ‘READY’ for the world.

Putting them in IIT and other competitive exam coaching classes from standard 8 is a norm nowadays that I feel is simply inhuman to the poor child. It not only interferes with the natural growing process of the child, but also lays additional stress on the underdeveloped brain. These years kids must spend their time in playing their heart out and studying the subjects of the class they are in.

Everyone out there is just running and because everyone around is running, others are compelled to run for the fear of falling behind.

It is imperative to take a step back and review their life for the survival.

If you are with me till this point, I appreciate you as you would like to know further. But, I also see many irritated faces with a lot of questions saying that they know all this but they alone can’t reverse it all. They have to work all their life because they have a lot of responsibilities to handle and already their income is not sufficient.

Does this story sound familiar?

I can easily relate as I have lived this life before. I wasn’t different. In this life, one is so blindfolded and focused on what they are doing, they simply forget that they are part of nature and not a machine.

I’ve interacted with many of my friends after I earned my Financial freedom. I understood that whether anyone openly admits or not, Losing jobs and not getting another one has been a constant fear. Surprisingly, this is irrespective of their income, designation and role in the organization.

This thing drives them back into the stressful rat race wearing a fake smile on the face and just hoping “aal is well”, which unfortunately is not.

It is just like a case of story of अभिमन्यू in महाभारत, who learnt the skill while in Mother’s womb, of only how to break into “चक्रव्यूह” (arrangement of enemies in battlefield) , but did not know how to come out of it.

Precisely no one teaches this piece in any formal education system and hence before it’s too late, no one knows when to stop sowing the seeds and when to start eating the fruits!

– Kiran Bhave

Visit http://www.AS-44.com (Artha Swatantrya @ 44)

NISM Level 2 (Highest) and IRDA certified financial advisor

To be continued…

Most people think that they have no other option but to slog every day from dawn to dusk and beyond, till either their formal retirement or untimely death due to heart attack, stroke, liver/kidney failure or cancer. With so many examples happening around, It’s sad, but true.

Knowing that they are headed for this, they fail to make necessary changes to their lifestyle routine and finances that will get them out of this exhausting and stressful lifestyle.

Forget about time for their family, they aren’t even able to take time out for themselves.

In younger ages, the body sustains all the injustice made to it and forgives all the abuses . It tolerates it for as long as 10 years before it starts complaining; initially with subtle warning like headache, acidity, body ache. Later it changes into knee pain, gained weight, elevated blood sugar, blood pressure, eventually into conditions like diabetes, thyroid disorders, arthritis, chronic back pain, heart diseases and other serious health conditions.

With more money in hand due to increase in salaries, people with such conditions feel like cars, air conditioning, hoteling are the ways – that they can now afford – to pamper their ailing body. But what they don’t know is that they are actually adding fuel to the fire by all these acts of so called Comfort / Luxury!

Adults do not stop here, they not only are already a part of the battle of life, but also make their children get into this rat race at a tender age to make them ‘READY’ for the world.

Putting them in IIT and other competitive exam coaching classes from standard 8 is a norm nowadays that I feel is simply inhuman to the poor child. It not only interferes with the natural growing process of the child, but also lays additional stress on the underdeveloped brain. These years kids must spend their time in playing their heart out and studying the subjects of the class they are in.

Everyone out there is just running and because everyone around is running, others are compelled to run for the fear of falling behind.

It is imperative to take a step back and review their life for the survival.

If you are with me till this point, I appreciate you as you would like to know further. But, I also see many irritated faces with a lot of questions saying that they know all this but they alone can’t reverse it all. They have to work all their life because they have a lot of responsibilities to handle and already their income is not sufficient.

Does this story sound familiar?

I can easily relate as I have lived this life before. I wasn’t different. In this life, one is so blindfolded and focused on what they are doing, they simply forget that they are part of nature and not a machine.

I’ve interacted with many of my friends after I earned my Financial freedom. I understood that whether anyone openly admits or not, Losing jobs and not getting another one has been a constant fear. Surprisingly, this is irrespective of their income, designation and role in the organization.

This thing drives them back into the stressful rat race wearing a fake smile on the face and just hoping “aal is well”, which unfortunately is not.

It is just like a case of story of अभिमन्यू in महाभारत, who learnt the skill while in Mother’s womb, of only how to break into “चक्रव्यूह” (arrangement of enemies in battlefield) , but did not know how to come out of it.

Precisely no one teaches this piece in any formal education system and hence before it’s too late, no one knows when to stop sowing the seeds and when to start eating the fruits!

– Kiran Bhave

Visit http://www.AS-44.com (Artha Swatantrya @ 44)

NISM Level 2 (Highest) and IRDA certified financial advisor

To be continued…

Yes!! it has been made possible by Kiran Bhave at the age of 44 and he asks everyone to start with a plan to earn this freedom at least before the official retirement age.

Currently, he is pursuing his interests that he had suppressed due to lack of time and enjoying life to the fullest, assisting and helping people who want to follow his path.

He has also developed a methodology from his own experience and mistakes, so that anyone who wants to follow his path can get the maximum benefits and lower risks. However, he cautions that only people who have serious commitment to their life & family and are willing to abide by strict discipline, can achieve this goal within 7 to 15 years, in some cases even earlier, depending on their current investments and risk appetite.

He assures that whether one is earning 10000 per month or 1 Cr per month, if they are committed, follow discipline, love themselves & their family, they can achieve it effortlessly.

This methodology is not for those who will start with a couple of steps as trial and leave the rest of the actions undone. This may even be riskier for their financial health.

Kiran can be contacted on Whatsapp at 9322324698

Yes!! it has been made possible by Kiran Bhave at the age of 44 and he asks everyone to start with a plan to earn this freedom at least before the official retirement age.

Currently, he is pursuing his interests that he had suppressed due to lack of time and enjoying life to the fullest, assisting and helping people who want to follow his path.

He has also developed a methodology from his own experience and mistakes, so that anyone who wants to follow his path can get the maximum benefits and lower risks. However, he cautions that only people who have serious commitment to their life & family and are willing to abide by strict discipline, can achieve this goal within 7 to 15 years, in some cases even earlier, depending on their current investments and risk appetite.

He assures that whether one is earning 10000 per month or 1 Cr per month, if they are committed, follow discipline, love themselves & their family, they can achieve it effortlessly.

This methodology is not for those who will start with a couple of steps as trial and leave the rest of the actions undone. This may even be riskier for their financial health.

Kiran can be contacted on Whatsapp at 9322324698