How to Kill “Work” for Ever and be Eternally Happy

freedom

Dream jobs don’t exist. Period.

You can get jobs which make you money, challenge you, grow you, help you reach your highest potential – but work is still unwanted, tiring and a necessary thing we have to do anyway.

You can do a “great job” in your work but the concept of work and job in itself is not that great. If it was, then you will not look forward to the weekend. You would look forward to Mondays!

There is no point in hiding this truth and lying to ourselves that we love what we do for a living.

We as cavemen used to hunt in the forest for food, or go to the rivers with spears to catch fish – and there was/is nothing to get excited about that “job”.

We are not so different today.

We work so that we can survive. Nothing else. Its just that with evolution and technology we have created a 1000 different jobs through division of labour.

So accept it. You don’t want to be an employee. And You don’t want to be a boss either. What you really want is… TO BE THE OWNER. Have enough passive income so that your monthly expenses are taken care of – and some more for fun.

But to OWN things and get passive income you need capital. Capital comes from savings – years of it.

Savings come from living below your means, spending less, being frugal and also working hard to make more money. Not sexy.

Own chunks of promising companies, lend money and earn interest, own farm land, own buildings. Be the Owner. Once you own things, it throws passive cash flow. And such assets keep appreciating giving you more cash flow.

That’s real retirement – from necessary, tiring, boring work.

Then you will work because you want to, not because you have to. But if you don’t want to work, that’s OK too!

Focus on what you want to really do. Read books all day. Home school your kids. Eat. Sleep. Watch movies. Or may be Change the world. Or may be just do nothing :)

This is what you really really want. This is what you have always wanted. This is what you will always want.

Not that international vacation, not that better shinier car which makes your relatives jealous (who you hate them anyway), not that 55″ curved LCD tv, not that latest iPhone X, not that expensive dinner, not that expensive wine, not that envy and pride.

So work, save, don’t spend, build capital, be the owner of assets. Earn Freedom.

Not sexy to others. But oh so sexy to just yourself.

The world will not call you a success. But you will be one.

And you will just have a gentle smile on your face. Always. And people will wonder, how you are sill happy when your life looks dull and boring from the outside.

But they will never understand. Because they just bought a BMW with 7 year repayment period so that they can be “happier”.

If they ask you about your secret sauce of happyness, don’t go through the trouble of explaining everything to them. Just share this post with them.

You’re Welcome! ;)

CitiBank India Rewards Credit Card – Get Your Rewards Point as Cash Back! Save 1% on Everything.

citibank rewardsI have been experimenting with various credit cards in India. Alsmost every card in the beginner to intermediate level gives reward points when you use the card and these reward points can be then redeemed for gifts. HDFC Bank Card, ICICI Card and most of the other cards have a catalog of products from which you can choose to get vouchers from and then use those vouchers to get discounts while shopping.

When I did the math, it looks like you will get around 1% of the value of the purchase back in terms of points. The numbers may vary but it is always close to 1%. For example, for every Rs.150 spent, you may get 5 reward points. Looking at the price of the offers in the catalog, I evaluated that the value per reward point is approximately 33 Paise. So for Rs.150 you are getting back Rs.1.50 worth of points. That’s 1%.

But the catch here is that the products that you shop for usually are in MRP without any discounts and if you go and look up the same product in Flipkart or Amazon, it will be much cheaper.

citibank

I recently discovered that Citibank Rewards Card is perhaps the only CC in India which allows you to redeem the reward points as cash back. And this is at a very good rate of Rs.0.35 per point. I just redeemed my reward points and got a credit in my card account! Now this is real money with which I can buy anything and I am not restricted to their catalog of products :)

Do you know of any other credit card in India that allows cash back for points?

Google Upgrades Google Places to “Google My Business”

Google My Business

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Amazon, Please Stop Sending me Checks! I am Getting Tired of This!

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millionaire

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baby boomers

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writer

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How to Safe Guard Your CAPITAL when Inflation Eats Away Your Savings

inflation

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Loans on Credit Cards in India Have a Hidden 12.36% Service Tax on Interest!

card-trap

When the banker called me an said that they have a "Great Offer" for me on my credit card, I was interested. They said that I can get a cash loan on my card at an "amazing" interest rate of 0.99% per month. It worked out to be 11.88% annually … [Continue reading]

How to Cherry Pick the Best Performing Keywords in Adwords?

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Adwords is a great tool for getting targeted traffic who will come to your website and buy what you are selling. But if you are not careful, adwords can also deplete your bank account and you may not have any sales to talk about. Usually, no one can … [Continue reading]