Sunday, 15 August 2021

DECLARE YOUR FINDEPENDENCE DAY today !!

When is the fight for Freedom spark ignited?
When you are disillusioned with the present situation and know (not just feel) that life can be so much better, beautiful, enjoyable when you have freedom
This is the same for a country, a society, and even for your financial life. 

Exactly the same way Mahatma Gandhi, Sardar Patel, Subhash Chandra Bose would have felt against the British Rule. 

And then the great blessed souls made a public declaration for FREEDOM and achieved it. 
Yes. You too need to declare that you are ready for Financial Freedom and go ahead and achieve the same. 

Remember, once you declare your freedom, you can never go back. So either declare your freedom or continue to lead the mundane, dull, tough, boring life

Nothing is Impossible. 
DECLARE YOUR FINANCIAL INDEPENDENCE TODAY
DECLARE YOUR FINDENPENCE DAY NOW!

DECLARE THAT YOU WILL LEAD YOUR LIFE THE WAY YOU WANT TO BE! 
DECLARE THAT YOU WILL LEAD YOUR LIFE THE WAY YOU DREAMT OF!
ZERO DEBT, NO WORRIES OF HOW TO PAY BILLS, 
GOING ON LUXURY TRIPS EVERY QUARTER, 
DOING ALL THAT YOU ALWAYS THOUGHT ONLY THE WEALTHY DO.......Yes... it's not a dream ...it can be a REALITY. 

Break FREE today. 
Break the Prison of Debt, Poverty mentality holding you back and BREAK FREE and come out of Financial Slavery !!
Take control of your life. 
Stop taking orders. Start taking command of your life!
Stop taking donations...Start GIVING DONATIONS! (just think about this will give you goosebumps for sure) 

Financial Success is waiting for you. You just need to declare your Findependence Day and start the journey. 

Turn your Fear into FOCUS. 


THE FINANCIAL FREEDOM PLEDGE

DECLARATION OF MY FINANCIAL INDEPENDENCE

I, hereby, take a pledge and commit to becoming Financially Free and Financially Independent.
I realise that no teacher, no government can provide me with Financial Freedom and that I need to achieve the same myself. 
I will pledge to make that my NEEDS are given the topmost priority and not my Needs.
I will INVEST before Spending
I will make my MONEY work for me
I will be Disciplined with my Money Decisions and not get swayed by Discounts and Offers
I will STAY invested with Adequate Asset Allocations and not get panicked during Stock Market Volatility
I will make myself educated about Personal Finance and upgrade myself from being Rich to Wealthy. I will make sure I DONT RETIRE RICH but Wealthy!
I will make sure that I have adequate Term Insurance, Health Insurance, and Accident Insurance and my family is protected
I will make sure that I have a WILL and do proper Estate Planning. 
As a responsible citizen of India, I will help my friends also to become Financial Independent and declare their Findenpence Day!

SRIKANTH SHANKAR MATRUBAI

CONGRATULATIONS!
Today is the FIRST day of a new life. 
A Dream Life which you deserve to live but weren't !




DECLARE
YOUR 
FINANCIAL 
INDEPENDENCE 
DAY 
TODAY
It may be someday in the future...
say, for example, 29th February 2028 
Declare that 
29th February 2028 will be my FINDEPENDENCE DAY !!


Yes..
29th February 2028 will be the day I will be FINANCIALLY INDEPENDENT


#FindependenceDay #HappyIndependenceMonth #Srikavi #DontRetireRich

Findependence Day is the day to celebrate your freedom from debt, from obligations, your freedom from fear about what will happen tomorrow, and most importantly your own independence and freedom to pursue!








Kick the bad habits. 
Throw that Television out
Read the Life-changing book DONT RETIRE RICH 

And finally, remember dreams will remain dreams unless you start taking action. 
START TODAY
START NOW. 

The decision to take the journey for Financial Freedom has been done. 
For the action....read the articles in our blog and keep coming back here. 
Read our tweets.
See our Youtube Videos 
And You can be sure that you are on the 10-Lane-Highway for Financial Super Success in Life. 

All the best
Srikanth Matrubai





All the best,
Regards,
Srikanth Matrubai
MUTUAL FUND DISTRIBUTOR
REBALANCE VOLATILITY CERTIFIED COACH
Srikanth Matrubai, Author of the Amazon Best Seller DON'T RETIRE RICH


You are strongly encouraged to consult your financial planner before making any decision regarding this investment. The views expressed here are the author's personal views and should not be interpreted as a recommendation to invest/avoid.

 
Srikanth Matrubai Author of the Amazon Best Seller DON'T RETIRE RICH

Do read the book and give your valuable feedback and request you to post positive comments on Amazon. https://amzn.to/3cHUM6M/ 

You can purchase the book on Amazon and Flipkart 

For the best of ideas on where to invest to create Mountains of Wealth 
join my TELEGRAM channel
WEALTH ARCHITECT
    https://t.me/joinchat/AAAAAELl4KUnaJzi-JJlDg/

Wednesday, 11 August 2021

Financial Freedom vs Financial Independence

Namaste and Happy Independence Month!

India got its Independence this month, when do you plan to get your Financial Independence?

When you are declaring your “FINANCIAL INDEPENDENCE DAY” ??

 

Why do we say it's Independence Day and not Freedom Day?

 

Financial Freedom means having no debts or financial obligations and also the ABILITY to purchase assets without having to rely on debt.

  

Financial Independence means you have so much money that your money (wealth) supports the lifestyle you want

 

Financial Freedom 

means you have enough money to cover all expenses like Food, housing, clothing, health even if you never work for another day in life again

 

Financial Independence

means you have enough of money to do all that of Financial Freedom has to offer PLUS also easily fund a LIFESTYLE that you want to have!

 

Lets take example of a baby.

As a baby, you would Financial Free to learn to stand and then start moving using the wall to support. You can move from Point A to Point B.

The baby has now freedom to roam all around the house without you having to either support to keep an eye on the baby

 

But,

Is the baby INDEPENDENT to go out on its own to bring chocolate or a a packet of milk?
No…. isn’t it?

 

 

Exactly, the same way, Financial Freedom means you have no money issue at all and can live your life comfortably but you would continue to have 2nd thoughts on splurging on luxuries and in some cases, “COULD" need some kind of support in an extreme emergency situation

 

Financial Independence is YOU HAVE SO MUCH MONEY & WEALTH that even extreme emergency situation will not be able to shake your money (wealth) kitty  and you are living a life that you always DREAMT of!

 

So, in a sense, Financial Freedom comes BEFORE Financial Independence and it’s a fact that Financial Independence is  BIGGER & definitely WIDER

 

CAVEAT :
However, you need to understand that
Financial Independence is more about MINDSET because till you get Financial Freedom you cannot even imagine or fathom about Financial Independence

Meaning...unless you know how much money is enough for you NOT TO WORRY about the future expense, you will not be in a position to imagine about Financial Independence

 

 

Let me once again clear the point ….

FINANCIAL FREEDOM means

You can cover all your expenses and conveniences without having to work ever, but you tend to look at your Portfolio and Bank Balances at least once in a while.

 

FINANCIAL INDEPENDENT means

You can cover not only all your expense but also have a DO WHAT I ALWAYS WANTED life and also have no need to glance at your portfolio and Bank Balance at all!

 

In a sense, Financial Freedom means you are not worried about Your Flight Bill, Hotel expenses on your upcoming vacation cost as you have everything covered and actually looking forward to enjoying them.

 

Financial Independent you are not even thinking about HOW much expenses your upcoming vacation will be

You are more focused on WHAT to enjoy there.

 

Got it.... so Financial Independence will let you ENJOY your life BINDAAS

 

 

 

 

Financial freedom is having the monetary stability to do what you want in life without having to worry about your bank account.
Financial Independence is being able to take that amazing trip to the Andaman Islands without worrying about not coming into money issues It’s buying the house that your family dreams of and still have the funds to pursue your other interests.

 



Financial Freedom is having MONEY,
Financial Independence is having MONEY & TIME!


FINANCIAL INDEPENDENCE and FINANCIAL FREEDOM is the flexibility to maximize your time on earth in pursuing what you love, live the life you want without worrying about expenses.

 

FINANCIAL INDEPENDENCE is mainly about FREEDOM OF TIME.

With FINANCIAL INDEPENDENCE, you can purchase time!! (Explained more in my book DONT RETIRE RICH)

  

Whether it is FINANCIAL FREEDOM or FINANCIAL INDEPENDENCE,

it does not mean RETIREMENT!

 

Financial  independence looks difficult but when you think deeply, Financial Independence is majority about MINDSET rather than about money.

So, if you are a person who is fine with Budget hotels and simple travel, even a Rs.2 lakhs trip to Singapore will give you deep satisfaction.

But if you are person who wants everything Hi-Fi and super luxury, then even a Rs.10 trip to the same Singapore will not give satisfaction.

 

So, Financial Independence is difficult to plan for as it is based on YOUR mindset where Financial Freedom is easier to plan for.

Either way, to get to Financial Independence achieving Financial Freedom is a necessity.

Whether its our Facebook posts, tweets, blogs, Telegram, Whatsapp messages, we have always been advocating Financial Independence since long and giving practical tips and ideas because everyone thinks about Financial freedom but very few aim for Financial Independence

So, to become Financially Independent get to Financial Freedom first and then you can consider Financial Independence.

 

 

To become FINANCIALLY FREEDOM and for that your PASSIVE income (any income where you don’t need to put ACTIVE EFFORT) gives you DOUBLE than your Active Income (or your Average Expenses) you are indeed FINANCIAL FREE.

Money that you are getting without you doing absolutely NOTHING and covering all your expenses is Financial Freedom.

Of course, it goes without saying that you shouldn’t any debt too. Break out of Debt.

Money that was going to pay for interest can now be routed to Wealth Creation and you are surely on the highway to achieve Financial Independence.

 

In a sense, I would say....

Financial Freedom is becoming a Crorepati (1 crore) 

Financial Independent is becoming a Drudpati (10 crores) 

 

DECLARE

YOUR

FINANCIAL

INDEPENDENCE

DAY

TODAY

It may be some day in future....

say for example, 29th February 2028

Declare that

29th February 2028 will be my FINDEPENDENCE DAY !!

Yes..

29th February 2028 will be the day I will be FINANCIALLY INDEPENDENT

 

 

Denounce the King and declare your independence!

Who is the king?

Of course, Google says cash is king

Denounce Cash...dispose of it in Investments and declare that you are on the way to Financial Independence

Let us know in the comment box when will be YOUR Findependence Day ?

 

Take the Financial Freedom Pledge and become Financially free

Once you achieve that...we will focus on Financial Independence


Findependence Day is the day to celebrate your freedom from debt, from obligations, your freedom from fear about what will happen tomorrow, and most importantly your own independence and freedom to pursue!

 

 

#HappyIndependenceMonth

#DontRetireRich

 

 

And as I always say

DONT RETIRE RICH

RETIRE WEALTHY AND F.I.R.E (Financially Independent and Retire Wealthy)

 

Regards,

Srikanth Matrubai

 

#Financial IndependencendependenceDay #HappyIndependenceMonth #Srikavi #DontRetireRich

 

 

 

 

 



All the best,
Regards,
Srikanth Matrubai

MUTUAL FUND DISTRIBUTOR

REBALANCE VOLATILITY CERTIFINANCIAL INDEPENDENCEED COACH

Srikanth Matrubai, Author of the Amazon Best Seller DON'T RETIRE RICH

 

 

You are strongly encouraged to consult your Financial Independencenancial planner before making any decision regarding this investment. The views expressed here are the author's personal views and should not be interpreted as a recommendation to invest/avoid.


 

Srikanth Matrubai Author of the Amazon Best Seller DON'T RETIRE RICH



Do read the book and give your valuable feedback and request you to post positive comments on Amazon. https://amzn.to/3cHUM6M/ 

 

You can purchase the book on Amazon and Flipkart 

 

For the best of ideas on where to invest to create Mountains of Wealth 

join my TELEGRAM channel

WEALTH ARCHITECT
    https://t.me/joinchat/AAAAAELl4KUnaJzi-JJlDg/

 













Sunday, 1 August 2021

UNDERSTANDING FRIENDS AND ENEMIES OF INVESTMENT ON FRIENDSHIP DAY

HAPPY FRIENDSHIP DAY

Friendship Day is the day we come to know our REAL WEALTH. 
I have always considered 
Good Health, Loving Family, and Geniune Friends as REAL WEALTH. 

Today, Friendship Day is the day when one of these REAL WEALTH worth is highlighted. 
Of course, the friend's worth is seen every single day but this day it's highlighted in a new light and brings an amazing feeling giving a kind of dopamine to us. 

It goes without saying that a TRUE FRIEND is never jealous of your growth and in fact, helps you in getting to the superhighway of growth with his unbiased inputs. 

When it comes to investing, we need to know our friends and enemies and I have highlighted some of them here so that you can know whom to stay away from and whom to get closer to. 

YOUR REAL FRIENDS : 
1. Volatility is a BEST friend of a SIP and STP
2. In Stock Markets, Widespread FEAR is your BEST friend. Fear serves up bargain rates for you to accumulate blue-chips and multi-baggers 
3. Time is your BIGGEST friend in Investments. Remain a friend always with Time and your friend TIME rewards with huge compounded returns. 
Your friend TIME keeps giving you opportunities to buy underpriced stocks and exit Over-Valued Ones. 80% RETURN HAPPENS IN 20% OF TIME SO BALANCE 80% OF TIME WE SHOULD BE PATIENT AND SIT IDLE.
It's TIME in the market that leads to COMPOUNDING and helps you in achieving the 8th Wonder of the World. 

4. Diversification 
A friend who helps you in moving to high rises during floods and switches on AC when its hot!
You may feel that Diversification friend is not giving you returns but actually, he is protecting you from downsides. 

5. PROPER PLANNING
He is a friend who makes sure that you always have a MAP and never get lost. 
This friend helps you in achieving all your goals at the right time and with the right amount. 
He is in a sense your BEST FRIEND when it comes to investment. 

6. ASSET ALLOCATION 
He too is like Diversification making sure you have ALL types of assets in the right percentage. 

7. BUDGET 
A boring friend and most ignored one by almost everyone but being friendly with Budget helps you in not only saving. 
The problem with Budget is that this friend makes you feel that you should be a MISER (Kanjoos) but in the end, it's always in YOUR BENEFIT. 



ENEMIES : 
1. Unwarranted fear over volatility
2. Unsolicited advice from So-called friendly FREE apps 
3. INFLATION 
Innumerable times in our blog, FB posts, tweets we have highlighted how Inflation is your INVISIBLE enemy
4. Just as Fear is an enemy even EUPHORIA is your enemy. 
Euphoria actually comes in form of a friend and shows you all ROSY pictures making you commit a mistake similar to gambling. 
5. TRADING
Yes...Trading is a Wolf in Sheep's clothing. This TRADING friend is actually working for your BROKER and not for you. 
6. TAX 
Yes...another hidden enemy. Does not appear when you earning but when you have EARNED suddenly and claim his share and quite a substantial one at that. 
He does give some concessions and a prudent investor with the help of an Expert make sure to get maximum from those concessions 



I have not put MONEY in either the Friend or Enemy list because Money can be your Best friend or your worst Enemy as the relationship with money depends completely on your HABITS.
Locking money in Locker or sub-optimal return generating assets (FDs, Gold, etc) will make MONEY angry 
Invest your Money in above-average return generating assets (Equities, Real Estate, AIF, etc) will make MONEY happy.  
If you have POSITIVE and Wealthy Habits, Money will become your Best friend and help you get WEALTHY. 




REQUEST : 
Never buy any financial product (mutual fund/insurance/p2p, etc) from a friend just to oblige the relationship. It could result in suboptimal returns. 
This is more so when your friend who had been doing something else suddenly behaves like a Financial Guru just because they are now Ag






ents. 
Let friends be friends and do not let your friend become a product peddler and result in spoiling the relationship. 
Stick to the Old Saying "Friendship from a business is always better than business from a friendship" 


When it comes to WEALTH CREATION, your friend May have your best interest at heart but only an Expert with enough experience and capability can correctly assess your risk appetite and your investment objectives and help you in choosing the right fund to invest in. 
Moreover, due to experience and capability, the Expert will be able to help you tide over EMOTIONAL issues when it comes to investing. 

Also, 
NEVER compare your portfolio with your friend. 
Each individual, each family has a different risk profile, different time horizons, and definitely different goals, and hence the portfolio and the asset class will have to be different. 
FOCUS ON YOUR WEALTH CREATION JOURNEY. 

Finally, 
If you do want to help your friend and I am sure you indeed are...then help your friend become WEALTHY by making them invest in Equities. 
This will also help you upgrade yourself from being just a friend and now become a GREAT FRIEND 

All the best to your friendship (friend-sip) 

Regards, 
Srikanth Matrubai




All the best,
Regards,
Srikanth Matrubai
MUTUAL FUND DISTRIBUTOR
REBALANCE VOLATILITY CERTIFIED COACH
Srikanth Matrubai, Author of the Amazon Best Seller DON'T RETIRE RICH


You are strongly encouraged to consult your financial planner before making any decision regarding this investment. The views expressed here are the author's personal views and should not be interpreted as a recommendation to invest/avoid.

 
Srikanth Matrubai Author of the Amazon Best Seller DON'T RETIRE RICH

Do read the book and give your valuable feedback and request you to post positive comments on Amazon. https://amzn.to/3cHUM6M/ 

You can purchase the book on Amazon and Flipkart 

For the best of ideas on where to invest to create Mountains of Wealth 
join my TELEGRAM channel
WEALTH ARCHITECT
    https://t.me/joinchat/AAAAAELl4KUnaJzi-JJlDg/

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