You may need to quit your job....dont save!!

Disclaimer :: || The post does not apply to the people who have big daddies, and are looking to join their family business, open a new division as their input to the business. They are already settled, no worries, its all cool, honey||

Play School to School to College to Job/Business

That is the way it works out for most of us, the educated souls, only so called.

Education system, the way it stands today, turns to be a little bit of disappointment for most of us esp. when we look at it in introspection for how and what we studied and the amount of ultra important TIME we put into it.

Not many are born knowing, what they will be doing 5 or 10 years down the line (I wonder how it became one of the most popular questions for all interviews, pretty much fucked up i find it ) and unfortunately, education too, does not seem to help, figuring this out.

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First job one lands into turns out to be the job one always wanted and shall continue with it or in the similar domain/work culture/growth pattern forever and will be kind of satisfied with what it provides in terms of challenges/responsibilities and work life balance

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" Sounds superbly similar to a Fairy tale but fortunately or unfortunately, life is not….Brutal truth!!"

Ok. Coming to the point.....I seriously have got something against all these so called Financial Planning experts and their advisory for people....For one, the way they advise, it sounds as if something alien and robotic is coming from the other planet; for another, it seems to be coming from people who are not aware of what else is happening around here on planet earth.

In other words, they are really myopic in their advise no matter how much wholesome or overall planning they may blabber about.


One of their most loved advise esp. given to young professionals goes like "" Earlier one starts, better it is, so hunt on with money today"". Whether it is your first home, your first stock, your first MF, your first insurance policy and so on. Good, makes sense, isnt it, Compounding, after all, is the 8th wonder of the world ( Some "" BUFFET "" told me once!! ) and one can really become a billionaire at the age of 60 provided one follows the advise diligently and sincerely. Wait, wait.....let me get the facts right beforehand::

You will follow something diligently for nearly 30 years, fuck yourself hard and then get the bucks when you are 60, WTF, what is that moolah for then....to complete your ''Bucket List'' and die peacefully, no baby, that is definitely not happening for me, you can decide for yourself.

My point is not totally against the saving mechanism, i believe in saving and try to do it but there is an extremely thin line b/w saving and SCREWING which i do not wish to press more into.

Rather, what is wish get more into is the  “EARLY START” advise that they are obsessed with keeping in view the other important aspects of life and connecting them all.

Lets get to some expected questions here:

Q. What are the other aspects of life these financial advisors do not consider?

A.  It is LIFE itself, Real Life that a person lives everyday

Q. How are these factors connected with their advice?
A. Early start means early home which means early EMI

,which means early dependence on the monthly salary, which means under any circumstances, one cant lose his job else he is fucked by the same guys who were expected to hand hold him to a bright monitory future

Q. Why should one take decisions thinking of quitting the job, it can happen anytime " Recession, we just kinda got out, proved that ", so one should never save or buy a house, is that what is suggested here?

A. No, we are not talking about losing the job, rather voluntarily quitting the job, if required.

Q. Why would one voluntary quit the job, ever?

A. Now we are talking, lets start from the bottom,

Before we settle down '' Not sure again, why they call it “settled" or scalp ourselves into the rat race that formal education more or less leaves us into, We really and lovingly need to find ourselves. Find the rockstars we respectively are and the pornstars we are not " uuhhh!!, sorry abt that, that jst rhymed "

So, the string that i am trying to pull here is that its completely fair and essentially so, to fuck around with few of your initial JOBS/Labour Work and hunt for the one you want to do in all those years of work.

It may turn out that you never really wanted to get into the whole job scene, so be it, or you may find out the artist within you, wonderful, even better. You may even get to know what you really dont want to do with your life, good, thats a nice start, lets go further ahead and so on.

Now, these expert financial advisors' “EARLY START” advice, it can really get you all tied up and push up the peddle in the ass before one realizes that it wasnt such a priority to start early with those financial burdens....Equation is pretty much simple..

Lets assume you start at 25.... now …. " Would you want a house at 35 with 10 fucked up years of your job or a house at 45 with 15 glorious years "" 5 years i discounted to figure out for those glorious years, so the math stands correct here ""

Bottomline ::

Life actually is a fairytale if you are smart enough to make it, i end with a statement contradictory to the Brutal truth.