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Sunday 29 April 2018

Lifestyle choices: The Financial Bit.

The following is an excerpt of a mail I sent to my cousin sister in response to an article she sent me on investment:

In my early twenties, I used to read a magazine called Investors that kind of shaped my thinking - I never believed in long term FDs because inflation neutralizes the marginal gain and short terms are just plain useless.

Now I focus on vital few (invest in a project or two) instead of trivial many (paper assets, properties, insurance etc)- a disciplined and structured pursuit to live with less. I may have reasonably high financial goals for the next decade, not in a competitive way but a collaborative way working with my tribe, and "savings" has no role to play here.

Savings/ FDs never made a person rich by experience or wealthy by currency. Something saved for a rainy day, often gets spent on a rainy day.

Our factory model education system (That is linear and based on conformity) is zero on financial literacy. The generation today, don't even know how much they want, why they want - It is more about external validation and social acceptance. They understand net worth and the Forbes list, however clueless about self worth. I did not intend to react about the article with a "Me" thing or generalizing a generation - An economy is not just about government, it is about individual thinking. How can thinking evolve if education is all about pursuits, scores, degrees and failed parenting strategies?


If youth today, think of solving an issue, addressing a cause, be a global citizen instead of studying for a job or a pay check, they will not talk savings, but assets that appreciates - The whole world is their market - they bring home dollars. They will not talk about retirement benefits, but about leaving a huge legacy long after they are gone.

The topic "Savings" is a favorite pass time for many from our generation because they do not quiet understand anything else, like investing 1/10th their money in someone's business that can fetch them returns in a year (Angel Investors) - So what most people think is the safest investment FD is actually the weakest link in their financial landscape and sole dependence on that can be disastrous.

I am going to leave you all with two questions:

1] Do you know or have any idea, exactly how much you need to earn to live happily ever after? 

2] Do you think the reason why you are working so hard, is because you do not know how much you  actually need?


Friday 13 April 2018

Gender Equality: Myths and Truths



Recently during a phone conversation with my cousin, when I asked him to visit us, he abruptly told he hardly has time to visit relatives because at times he is working on Sundays too.

His wife is over forty, a graduate and she sings well. That is it.

She never did a job, never tried for one and never wanted to do one. She felt extremely useful doing the domestic chores, which ideally should have been outsourced to a maid (to siphon some money from those who have to those who do not have as much as you do). I think that makes perfect sense.

Why would someone want to graduate if they had no intention of using it anywhere during their lifetime, not even to teach your own kids? My cousin’s son has tutors. The lady of the house, as far as I know has one permanent duty – To take her son on a rickshaw to the tutors and back home (Notice, I said rickshaw who again gets paid by my cousin’s earnings)

I tried to kindle some spark and some hope because there are so many online opportunities today for stay at home moms. His wife can easily try earning from any one of those to ease the pressure on my cousin from being solo provider. Now my cousin, quick to defend, started nagging about how his wife also lacks time to engage in something new.

He is 54 and he has no plans of retiring any time soon. He sold his two storied independent house to buy a flat near the railway station so that availing local trains become easier to reach his work place. I asked him why one earth does he want a flat near the station when he is likely to retire in a few years.

His response kind of shocked me – “I can work till I am seventy” or something on those lines. Of course one can work till he is ninety however why would he want to continue the same hardships, hustling in a train. His plan to travel by local train even when he is seventy is what shocked me.

Key Takeaway: Dinosaur mindsets

End of Scene 1


Eye candy
Brainless trophy wife
Arm candy
Brainless beauties
Look good and stay quite


Who are they?
Do they choose to be that?
Did they ever have personalities of their own?
Could they be professional achievers?
Do they naturally drift towards social causes because they are genuinely concerned or because that’s easiest route to fame?
Do they have soul searching moments regarding purpose of life?
Did they really sacrifice their careers or are they just not career material?
Are they just hot, fashionable, trendy and highly insecure about their twitter and Instagram followers?
Are they highly educated or at least self-assured?
Can she hold her own financially?
Do they make good money?
Could they be in positions of power?
Is it just the bedroom or the boardroom?
Can she have a high paying career?
Do they take up a hobby or two every spring?
Are they docile helpmates or ambitious achievers?

I have known people who talk and write about women empowerment and yet when the time comes to choose career moves – say a transfer to a new city, it is the woman who quits her job to facilitate husband’s ambitious transfer.

End of Scene 2

I am labeled a feminist not because I am single or because my friends, regardless of gender, have always cooked in my apartment. They qualified to use my kitchen not because of their gender, but because of their ability to have a full meal ready for a large group.

The label comes because of blogs like these.

I am labeled ambitious because I happily chose to be single and most people I know believe I chose career to marriage. Yeah Right, that is why I retired at 42 quitting my job of 11 years without much thought. Independence matters, nothing else. Confinement does not define me. Suspend judgment and let choices breathe some air please.

I chose to earn my bread, build my humble abode, travel in a budget, buy a low end car and live my life. I worked hard for many years to earn each of these.

And many out there chose to be fed, live in a mansion inherited by spouse, be trendy and fashionable while rearing kids, learn Salsa and Spanish while ordering the maid to cook Continental and yet this lot is considered less ambitious because they chose a life without a career.

How ambitious is it to cross your feet and have food for years together that someone else earns for you? How ambitious is it to squander money on shopping and travel using someone’s hard earned income?

Key Takeaway: Brains are the new beauty and the new gender

The challenge today is not the inherent bias we observe towards gender but when the woman consciously chooses to take a back seat with a mindset that sets disastrous examples for the next generation and the man chooses to defend such a move.


One’s lifestyle choices is a derivative of how you think, what you think of others who toil for you, how sensitive you are of other’s well-being, how much importance you give to people’s opinion, your self-esteem and most important your personal sense of self -worth.

I will leave readers thinking about my cousin who plans to continue working for the next 15 years and the level of stress he is likely to be exposed to in future

And my non ambitious counter part, who choose not to earn or support in this responsibility to provide for family - both financial and non-financially because that decision is deliberate, circumstances manufactured for personal convenience/ defense and absolutely parasitic in nature. 

Write to ramosara.foundation@gmail.com about experiences you want to share regarding alternate living to create awareness about lifestyle choices.

Important Update 29th April - One brain stroke on 22nd April and I lost my cousin this week.