Sunday 14 August 2022






Each freedom fighter held a singular objective: to achieve INDEPENDENCE.

In our lives, we should also strive for a solitary goal: FINANCIAL INDEPENDENCE.

Not the aim to outdo my cousin in riches!

Not the aim to have a bigger house than my neighbor!

But the pursuit of financial self-sufficiency.  Our goal should be financial independence.

Pinpoint the type of FINANCIAL GOAL that truly defines your purpose in life, and then work in reverse.

Each and every freedom fighter shared a common goal: attaining Independence from British rule. They used different strategies and ways but since the Goal was the was successfully accomplished.

In a similar manner, once you recognize your aim for Financial Independence, you can adopt a method that suits your comfort level. This could encompass options such as Equity Mutual Funds, Direct Stocks, Real Estate, Gold, or any other avenue you find suitable for you.

So, how do you go about accomplishing your goal of Financial Independence?
To begin, pinpoint a specific goal and quantify it.

Step one involves defining a concrete goal and quantifying it. Stating
 "I aim to accumulate Rs. 5 crores within 10 years" holds more tangible significance than a vague aspiration like “I want to be rich in 10 years”

Measurable goals help you plan better and focus sharper. They are also easier to achieve especially if they are broken down into small chunks. 



Every freedom fighter encountered numerous setbacks. They were jailed, their associates were killed, and many a times,  it felt like they were fighting a losing battle. But they never gave up. They persevered through their struggles and never lost sight of their goal: independence for India.

Their story is a testament to the power of perseverance and determination. It shows that even when the odds are against you, you can still achieve great things if you remain focused on your goal and never give up."

Resist the temptation of immediate satisfaction, such as the enticing discounted offers on platforms like Flipkart, Amazon  and similar avenues.

Avoid the pitfall of succumbing to the urge to purchase items solely for the purpose of impressing others and indicating your supposed success.

Don’t fall into the trap of buying things just to impress others and show that you have arrived.

Steer clear of being swayed by the convictions of others. Their perspectives are driven by their unique motivations. Stand firm in your own convictions.

It’s important to remember that everyone has their own reasons for sticking to their beliefs and values. Instead, focus on your own goals and needs when it comes to personal finance.

Personal finance is personal for a reason. Each individual has different needs and goals, which require a distinct portfolio By focusing on your own goals and needs, you can create a financial plan that is tailored to your unique situation and helps you achieve your goals."

Do not panic about short-term temporary falls. Markets have always bounced back and risen stronger each time. Instead, focus on your goals and stick to your investment plan and REMAIN DEDICATED TO IT.

 Yes, stock market returns are never linear and will test your patience every now and then, and sometimes, you are bound to start questioning your route to achieve Wealth Creation.

But stick to your goal and focus on the larger picture.

What you need to achieve your goals is not just investment but discipline. The discipline of STICKING TO YOUR INVESTMENT PLAN under all circumstances.

Yes… People (your elders, friends, and relatives) may laugh at you for ignoring Real Estate and going into Equities for Wealth Creation.

But remember, Over the long term, stocks have outperformed real estate in terms of both returns and risk and in the end, YOU WILL EMERGE VICTORIOUS.

The one who laughs last laughs the longest. Don’t let others discourage you from pursuing your goals and dreams.


Lesson from Bhagat Singh: ACCEPT NEW ORDER:

Bhagat Singh said "People get accustomed to the established order of things and tremble at the idea of change. ´

Bhagat Singh was of the opinion that non-violence was less effective and felt that teaching a lesson to the British in their own way. And even though Bhagat was martyred, he did achieve the goal of striking fear in the British that Indians can be bold and can take up arms too.

If you are building a house and a nail breaks, do you stop building or do you change the nail?Rwandan proverb

The old order was to put whatever was saved in FD, Gold, and of course, Real Estate In the past, these asset classes were considered to be safe and stable investments. However, in recent years, FDs, Gold, and in some cases, even Real Estate have failed to generate returns that are even close to inflation. This means that investors who have invested in these asset classes have actually lost money in real terms. So, if you are looking to achieve financial independence, you need to embrace equities.

I have seen many of my friends and relatives investing big in Crypto.  With no understanding of the risk, they invested and mocked my "conservative" style of sticking to equities. But I ruthlessly stuck to what I understood. And of course, when it bombed, I was appreciated for my stand but I also felt sad about their losses.

The best is to be humble and know what you do not understand and avoid till u understand.



There were many instances where the Freedom Warriors / Freedom Fighters were lured/pressurised away from their goals.

In fact, many a battle the British won without a drop of blood simply by luring traitors.

But Mahatma Gandhi, Netaji Bose, and Sardar Patel were lured by any of the bait nor did they fall to the fear of death by hanging by the British.

They stuck to their principles and were bold enough to say “NO”.

Many times we have seen how a relative/neighbor/ friend who was doing nothing suddenly becomes a Financial Expert once they become an Agent.

And they lure you into Exotic products with all accompanying fancy brochures. And vast majority are obliged to fall into the trap of financial ruin by buying those products which otherwise they would have NEVER EVEN CONSIDERED.
BE BOLD. BE READY TO SAY “NO”. After all, it's YOUR hard-earned money.
If you are in deep financial trouble, will these people come and help you? No? Then why get into obligation and fall into a pit?
Avoid them like a plague and be bold and say “NO” !!!

A vast majority also fall into a financial trap when a friend/relative asks for a LOAN.

Read this article on how to say NO when a friend/relative asks for a loan. 


The 1857 Sepoy Mutiny caught the British unawares and they struggled to contain the mutiny. But the mutiny failed because it was not coordinated, not organized, and not planned.


Likewise, if you just jump into investments without planning it could result in a disaster.
Have a Goal, have a budget, get your Risk Profiling done, and through proper Asset Allocation INVEST

When you build a bridge, you insist that it can carry 50000 kgs weight, but you only drive 15000 kgs weight truck across it.

That is the way you want your bridges to be.

 And that same principle works with your retirement planning. We have to make sure that your fund lasts as many years as it can.

Getting an AMG would help you reach your goal quicker without additional hiccups

AMG = Advisor / Mentor / Guide






When Mahatma Gandhi started, he faced the issue of language as he was fluent only in Gujarati, Hindi, and English but still, he managed to communicate with the entire population of India where the majority understood none of these languages.

The simplicity of his communication and the clarity through which he shared won over the whole of India.

Most importantly he didn’t try to convince the whole country. He started with small and then gradually scaled up.

He singlehandedly was able to hold the huge British Empire to ransom.

He did not WAIT to learn languages or to find translators of those languages. He started with full faith and this confidence helped the Mahatma get the confidence of one and all.

You too can start small. And most importantly DO NOT POSTPONE your investment to some other day.

 Likewise, the seemingly small SIP is definitely capable of taking you on the highway of Wealth Creation by helping you achieve all your Financial Goals.

You don’t need BIG Money to start your journey to becoming a Drudpati
(#Drudpati is Rs.10 crores just like Crorepati is Rs.1 crore and Arabpati is Rs.100 crores)

Start with a monthly sip as low as Rs.1000 and then gradually scale up.

"If you keep postponing your savings until you are 45, you will have to save 3 times MORE per year than what you could have started saving at 25"

Compounding is magical when you use it and poisonous when you avoid it. Starting saving 20 years early allows you to save only 1/3 of what you NEED to save now. So, start TODAY.  Start small, but START



The 2nd World War drained away a lot of energy, and finances from the British and it started getting weak and losing focus across the World.
Revolutionaries like Bhagat Singh used this opportunity to create fear in the British and Netaji Bose went 1 step further.

Netaji Bose not only talked tough but went ahead and actually formed the Indian National Army which shook the British empire.

He even had the courage, and guts to collaborate with Hitler (adapting "an enemy’s enemy is our friend" philosophy) which literally had the British shivering.

 This made the British realize that their time in India was up and they better quit India with some respect left or get ready to be kicked out.

Likewise, in stock markets, we do get opportunities like the

Fall during the March 2020 Covid scare

Fall during the Feb 2022 Ukraine War


All corrections test our patience & most importantly give us an opportunity to buy at tantalizing prices. Make maximum use of this

And when we look back, we realize every single fall has been a great opportunity to accumulate NAVs at lower rates, and those who did take the plunge came out richer and neared their Financial Freedom.


I, Srikanth Matrubai, do hereby declare that 29th February 2028, will be my FINDEPENDENCE DAY

Go ahead, get inspired this Independence Day, and declare YOUR #Findependence Day


First, they ignore you, then they laugh at you, then they fight you, and then you win (Mahatma Gandhi)

All the best,

Srikanth Matrubai


Don’t Retire Rich

Wealth of Wisdom



All the best,
Srikanth Matrubai
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

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