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Wealth & Personal Finance

Do we know when to stop sowing seeds and start eating the fruits? (Part 2)

-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!

Categories
Wealth & Personal Finance

Do we know when to stop sowing seeds and start eating the fruits? (Part 1 – Where are we heading?)

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…

Categories
Wealth & Personal Finance

Do we know when to stop sowing seeds and start eating the fruits? (Part 1 – Where are we heading?)

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…

Categories
Wealth & Personal Finance

Can the sole bread earner of a family have the freedom to not work for money?

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

Categories
Wealth & Personal Finance

Can the sole bread earner of a family have the freedom to not work for money?

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