Tag: #Shaji Kumar

  • 🔥 The Oldest Financial Advice in the World — Still Smarter Than Us.

    🔥 The Oldest Financial Advice in the World — Still Smarter Than Us.

    We live in an age of abundance and anxiety.

    Money flows faster than ever, yet peace of mind feels rarer than gold.

    Every generation believes it invented financial wisdom — until it meets Vidur Niti.

    Three thousand years ago, Vidur, the royal advisor in the Mahabharata, spoke truths that still cut through the noise of modern finance. His words weren’t about numbers or markets. They were about character — the foundation of every sustainable fortune.

    Wealth Earned Unethically Never Stays.

    Vidur warned that wealth gained through deceit destroys the one who holds it.

    It’s not karma — it’s mathematics.

    Unethical gains create instability, distrust, and eventual collapse.

    In today’s world, this translates to:

    Shortcuts collapse. Integrity compounds.

    The most valuable currency is credibility.

    Control Desires or They Will Control You

    Vidur didn’t blame poverty on lack of income. He blamed it on lack of restraint.

    Desire, when unchecked, becomes debt.

    We call it lifestyle inflation, impulse buying, or social comparison — but it’s the same disease.

    Discipline builds wealth. Impulse destroys it.

    The richest people aren’t those who earn the most — they’re those who can say no.

    Save Before You Spend

    Vidur insisted that a wise person always keeps reserves for difficult times.

    In modern language: build your emergency fund before your dream fund.

    Savings are not a financial strategy.

    They are a survival strategy.

    Debt Weakens the Mind

    Vidur saw debt as a spiritual and psychological burden.

    Today, it’s disguised as convenience — EMIs, credit cards, “buy now, pay later.”

    But the truth remains:

    Freedom disappears the moment debt takes over.

    Debt doesn’t just cost money. It costs peace.

    Choose Associations Wisely

    Vidur said that associating with fools, greedy people, or unstable minds leads to ruin.

    In modern business, this means:

    Avoid toxic partnerships, unstable investors, and energy‑draining networks.

    Your network can multiply your wealth or drain it.

    Choose wisely.

    Invest in Wisdom, Not Just Wealth.

    Vidur believed that knowledge is the greatest asset.

    Money grows only when the mind grows.

    Skill development, financial literacy, emotional intelligence — these are the modern equivalents of Vidur’s “inner wealth.”

    Protect Your Wealth from the Five Dangers

    Vidur listed them clearly: fire, water, kings, thieves, and bad relatives.

    Translated to today’s world:

    Insurance, compliance, fraud prevention, documentation, and estate planning.

    Wealth is not just earned — it must be protected.

    Charity Must Be Wise, Not Emotional.

    Vidur said charity should go to the deserving, not the demanding.

    Modern philanthropy echoes this: impact over impulse.

    Give with intention, not emotion.

    True generosity builds ecosystems, not dependency.

    The Real Lesson.

    Vidur Niti isn’t ancient philosophy.

    It’s a financial operating system for anyone seeking stability, clarity, and long‑term prosperity.

    Money doesn’t respond to intelligence.

    Money responds to discipline.

    And discipline, Vidur reminds us, is not a punishment — it’s freedom.

    #VidurNiti #AncientWisdom #FinancialDiscipline #LeadershipMindset #WealthManagement #ModernLeadership #PersonalGrowth #StrategicThinking #ShajiKumarWrites

  • Self Employed!!! 

    Yesterday one of my my staunchest Critics, commented “once again” that I have made a complete “hash of my business”. This has happened many times with many “critics”. Does that make me an unsuccessful person? Have I not been able to achieve anything meaningful till date? These questions set me thinking!! What was it that I had set out to achieve? Did I make any promises to anyone? Did I make an announcement at any stage in my life? After pondering over it, I decided to draw up a complete “To Do List” and double check on what may have been missed out, giving reasons to attract such “comments”. 

    I have enjoyed the privilege of a normal and quite pleasant childhood, thanks to my ever loving parents. However, since the beginning of this peculiarly horrendous year (thus far) their existence status regrettably has been reduced to singular surviving. Then to my surprise, even to this day, I managed to scrape through the education system schematics, which labels me as being “qualified”. Thereafter given the first opportunity, I scurried off to the Military Academy, as I deemed that it would be the only place where I could seek redemption, not to forget the “holy cow” bestowing its blessings, which was the tipping point. Alas that was not to be the final destination, and I opted to resign my commission after 5 years. To this day, even after 32 years, I have not been able to figure out the real reason – Why? Hence I have never actually had any definitive answers, when people used to ask me this question “to begin a conversation”. The reason still eludes me, though with no regrets, however thankfully these reason seeking questions have stopped. 

    Then one fine morning, I decided that I wanted to be my own master – be Self Employed. The terms like Self-Employed or Self-Dependent [Atmanirbhar] were not quite in vogue,  during that period in history. However, I wanted to live the way I wanted to live. Blissfully and peacefully, on my own terms. Does that make me a risk taker, yes definitely – a “foolish” risk-taker, I can say since I had no plan – I mean I did not even have a documented Business Plan or a Power-Point presentation [I did not even own a Computer] with number crunching etc. The only thing that I did was, take the DECISION. This first step put the odds in my favour. This process kicked into motion one of Darwin’s Survival theories. It was the double ditch, either I jump through or fall in. It’s all about odds – put the odds in your favour. It is a decision making process. This is what I want my Sons to follow. This is the only legacy that I want to leave them. They should do whatever it is that they want to do – but they have to take that decision and be responsible for it. I have never interfered and neither do I want to. It is their Life and they have to be able to take that decision and live by it – as I have lived mine. 

    “Heaven is a conscious choice to defy the ego’s voice”. Creating opportunities, maintaining momentum and advancing one step at a time. This was the focus. All the time I spent over the last 2 decades, engaged in  the so called “Hard-Work”. Thinking without awareness is the main dilemma of human existence. What was it that I wanted to be when I started this journey – to be Self Employed. Be on my own. I did manage to achieve that by providing above-average sustenance to my own family, and in the process also helping a few more, to earn their daily bread by way of their association with my business. I don’t owe it to anyone, but myself and today no one can lay a blame on me for anything – I am responsible only to myself and no one. I have never announced anything at any point, made any promises to anyone, then why does expectations have to be raised – of me. I know myself, and I know my strengths and weaknesses. The change we’re really looking for is inside our heads. The moment you become aware of the ego in you, it is strictly speaking no longer the ego, but just an old, conditioned mind-pattern. To this day, I have never even used the term “Founder” against my name. I have not founded anything, so why should I use this term. I have set my own goals, on my own terms have managed to achieve whatever it is that I set out to be – Self Employed.  Â