True me.. Tap-1037..

9 MONEY RULES FOR EVERYONE:

1) Always have 6 months of emergency fund in cash.

2) Save 20% and invest 20% of gross income, minimum.

3) Pay cash for large expenses.
(Engagement ring, wedding, dream honeymoon).
30% down payment, minimum on a house.

4) Never question spending money on books, education, health & charity/social cause which feeds your empathic heart.

5) Economy for short flights.
Business class on flights over 4 hours.

6) Buy the best and keep it for as long as possible.

7) Earn enough to work only with people you respect and vibe.

8) Marry a person with good character who matches your energy, vibe, goals & journey of life with consistency.

9) Prioritize time outside the spreadsheet.

Tap OUT..✌️

True me.. Tap-1019..

The more religious you are,
the poorer you are,
the less educated you are,
the less skilled you are,
and we don’t want all of that in a better world/society.
You will never hear rich, intelligent & successful people preaching about GOD or RELIGION.

God lives inside you & he has million different names.
Stop searching him somewhere else.
Work on being a better you, that’s the only prayer which will definitely reach your almighty.
GOD wants to see a nicer human in you, which means nothing but a kind positive version of yourself.
Educate yourself.
Make sure you are learning something new every single day of your life, may it be an article or a YouTube video about any new information.
STRIVE TO BE A BETTER VERSION OF YOURSELF.
LIFE IS FUN, LET IT BE.

Tap OUT..✌️

True me.. Tap-952..

This is your life.
You have everything you need inside you to live the life you have always dreamed of.
Take all that you have learned and experienced and create your own reality.
The beautiful part about life is that if you don’t like where you are, there’s always a new moment and a new day to start again.

Make smart, educated decisions.
Encourage yourself to make the choices today for the future you want tomorrow.
You can steer yourself any direction you choose.
(Not my words.)

Tap OUT..💪

Tru2Day995

Education’s purpose is to replace an empty mind with an open one.

– Malcolm Forbes.

(This video got nothing to do with the post above. Big fan of Elon Musk & his opinions on shaping our world. In case you have enough time, try to watch full video. It’s pure fun & educational at the same time.)

Sunday story time.. 04.

This post/story is about basic human decency. Yesterday i came across a horrible person, who misbehaved a small restaurant owner while paying for some eggy bread, pork pie & tea. He was short of some cash even though he came with entire family in a BMW X5. His argument started escalating over Apple pay, that too in a small & new cash only eatery. Later he went to ATM, withdrew some cash & paid for his food. According to his words; if you aren’t accepting Apple pay, you should go back to country side & he was some corporate employee for BAE systems. The words he used against that restaurant owner made me question his upbringing & it also made me realise what an highly educated asshole looks like. We live in a materialistic world where we literally judge someone looking at their clothes/house/car/phone/financial status, the last comes EDUCATION, QUALIFICATION, PERSONALITY & BEHAVIOUR, that too only if we enjoy a healthy interaction. So, Why these so-called few corporate employees belittle street food truck or small restaurant owners in their head!!

Because i mentioned these words “Materialistic world” & “Corporate Employee”, let’s talk about the money part first. Any engineer/banker/software developer/analyst with 3-5 years of job experience makes easy 95-130k salary per annum, no matter it’s Dollars/Euros/Pounds. Social security+Insurance+Tax, combined all are around 38-42% of entire income in most developed countries. Now monthly in hand salary comes close to 5200-6700 Dollars/Euros/Pounds.

Let’s talk about the small scale business owner who runs a food truck or a street food restaurant, here an easy quick meal costs 7-10 Dollars/Euros/Pounds. It can be a Full English breakfast/Tacos/Pastrami Sandwich/Doner kebab or a salad with tea/coffee/any kind of drink. They receive 80-90 such orders during lunch hour, mostly regular customers during a rush hour. And casually another 80-90 orders at evening because that’s the preferable time to cater tourists/students/kids/young people/couples. Total around 170 orders of 7-10 bucks food product, gross 1500 bucks everyday. Sunday everything is closed. So it comes to 1500×26=39000 worth of sales in a month, not the profit amount. If you deduct the raw ingredients+gas+rent+electricity+3-4 employees salary from that 39000, that small scale business owner is still left with easy 9000-12000 Dollars/Euros/Pounds in his hands every month.

Tried to show you an easy estimation in both scenarios. I am saying it from my experience. I know a half Indian brit who lives in Berlin, he started a ghost kichen sourdough pizzeria in Alexanderplatz in the middle of pandemic. Now it’s a small yet busy full blown cafe. His cafe is open only 4 hours every evening, but he makes way more than my salary. Even in terms of money, a small scale business owner enjoys a better financial stability compared to any employee. The good part is, EVERY BUSINESS OWNER IS HIS OWN BOSS. They work their ass off for their family, so that family can enjoy a life worth calling LIFE. I have studied 4 years bachelor’s in engineering, then MBA, now i am a PhD research scholar (still a student), i also have 4+ years of job experience as a data/research analyst & software developer. I bet that person who started a small mediocre petty drama must have studied something like i did. And most of the time people who work at multinational companies imagine they enjoy the best lifestyle compared to rest, which can be true. But does that allow anyone to be a jackass on streets? We can’t cure certain issues by cursing & shouting. Education is not just there for earning a qualification. If education isn’t making you humble, grateful & a better human, then you are simply a waste of time & energy for society.

(Forgot to schedule this post on Sunday. When i mentioned yesterday above, i am talking about an incident from Saturday. The restaurant owner i mentioned is one of my friends from A-level days.)

Tap OUT..✌️

True me.. Tap-866..

Let me tell you something funny today.
Now a days we all hear once in a while someone random comes online in YouTube or any other social media & says, “You don’t need a school/college/university degree to be successful in life”.
Even Elon Musk once said “You can learn almost anything from internet for free”.
My question is; “As a human & society as whole, do we value free things?”.
I totally agree you can learn any skill for free if you have a strong willpower.
But that doesn’t take away the fact that a good school/college/university education is important.
Rich people don’t want competition. It’s beneficial for them if a major chunk of population stays under qualified, cheap labour you know.

Let me bust all these crap today.
Roughly 7.9 billion human population in our world & 92% adults don’t have a college/university degree.
And the rest 8% people who have a college/university degree own 74% of entire world’s wealth.
So don’t take advice from people who haven’t walked that path.
In most cases what happens; even getting into a good university or any ivy league school is a big deal here, that says your mind is ready for the big game.

Education is necessary.
Qualification is important.
Skills you learned will take you places.

Tap OUT..✌️

True me.. Tap-813..

MONEY. Beggar, daily wage workers, salaried employees, businessman, stock market investors, everyone makes money & everyone wants money.

Beggar wants money right right now.
Daily wage workers want money at the end of their workday, let’s say daily payments.
Employees work because they want monthly salary.
Businessman invests money & waits for few months to recover his investment with some profit on top.
Share market investor invests & waits for years to see where his investment heading next.

Now, let’s talk about the fun part in it.
There are only two winners in this money game.
1. The businessman who’s is building wealth while working for himself.
2. The stock market investor is building generational wealth. Here i am referring those who invest in hedge funds & multi-bagger stocks.

In other two cases of employees & begger, the person who wants money earliest is the poorest one.
Actually in all 4 scenarios, the person who waits the longest for MONEY is also the RICHEST, he is the one who has the highest amount of PATIENCE.
Never run behind EASY/QUICK MONEY, the outcome will be devastating.
Urge towards EASY/QUICK MONEY is the reflection of cheap mindset, lack of knowledge & major character flaws in a person’s PERSONALITY.
Learn about how MONEY works in our current world & have PATIENCE in learning.
Same i can say for education, relationships & weightloss journey/fitness as well, your PATIENCE is the only determining factor.
God has a perfect timing for everything; never early, never late.
It takes a little patience and faith.
But it’s worth the wait, always.

(This video got something to do with the post above. If you have patience, watch it. And the title of this video is: WHY SUCCESSFUL PEOPLE ARE AGGRESSIVELY PATIENT!.)

Tap OUT..✌️

True me.. Tap-786..

I am happy when I eat fresh fruit,
when I burst out laughing,
when I discover a new song,
when I finish a good book,
when I wake up and feel relaxed.
I’m glad to have friends, family, a home,
food when I’m hungry,
hot water when I shower.
I love being able to live and see the seasons change,
to have gifts at christmas and at my birthday,
to travel sometimes,
to have a good education and a great access to culture.
I’m flattered when people compliment me,
when people smile at me,
when people are polite to me.

There are so many things that make life so simple and easy and I will always think about them more than all the bad things that will happen to me.
I do not have time to be sad every day and ungrateful.
I have every reason in the world to be happy.
Take life day by day and be grateful for the little things.
Don’t get caught up in what you can’t control.
Focus on the positive.

Tap OUT..✌️

True me.. Tap-715..

We yearn for connection, yet isolate ourselves.
We seek love, but fear loss.
We dream for someday, instead of trying for today.
We want change, but don’t want to change.
We over-consume, then wonder why there’s no space to create.
We love the ocean, yet buy plastic.
We advocate for education, then bury our students in loans.
We want health, but for a price.
We believe in equality, but struggle to bridge the gap of inequality.
We ask for better leaders, but don’t think to lead.
We wish for a better world, but not at the cost of comfort and convenience.

There’s a disconnect here. And it’s not any one persons fault. The world is made up of both beauty and brokenness. Most of the time, I believe we have our hearts in the right place. The problem is how overwhelming it all seems, but change is made up of small moments.

Change happens when we have been hurt, but choose not to act from our hurt.
Change happens when we see someone who seems upset, and ask how we can support them.
Change happens when we don’t pretend to have all the answers, but are willing to ask the uncomfortable questions.

The truth is, if we knew the whole story behind everyone’s actions, we would see why they are the way they are. And it doesn’t excuse it, but compassion is the birthplace of change.
A COMPASSIONATE HEART IS THE KEY TO CHANGE.

Tap OUT..🤗