*_Indian Americans, Investors & Returns_*

Whenever an *Indian American* is in limelight, we all invest & celebrate into that Indian American's success & start listening to him / her 😊

Whenever *a particular investment / asset's* performance is in the limelight, investors start to notice it and pour their money into it 🤷🏼‍♂

In both the scenarios.....the celebrating individuals who wouldn't ever have heard of the Indian American or the successful Investment / Asset until then; would never have contributed to their success nor be a direct beneficiary of the end result.

Both the situations are diseases which need to be treated in our minds.

I term these as - 

*IAS - Indian American Syndrome*

&

*IRS - Investment Returns Syndrome*

Oh... IAS & IRS are not a part of our esteemed Civil Services, here 🙂

They are a part of our *mindset*

We need to transform and reframe our thoughts & actions from...

_Indian American ➡ Indian (our)_

_Investment Return ➡ Investor (my) Return_

I'll be happy when a headline reads - 

 *An Indian wins......*

and an Investor says to himself -

*My returns are optimised to.....*

*_Debt, Slavery & Choice_*

_Debt is slavery_ - a statement from Ben Franklin's time.

I agree too 🙂

But, let's take a step back & disect it a bit; there is a difference between Debt & Slavery.

It's in the *choice* one makes.

*No Individual, in all sanity of mind will ever choose SLAVERY as an option in life*

But

*Many Individuals choose DEBT (needed or not) from their heart & mind.....just because it is available or there is a genuine need, want or a luxury*

We think we control debt, but once into it, in reality, debt controls us.

If one can avoid choosing slavery, debt too can be avoided...

_CHOOSE THE RIGHT PRIORITIES_

_MAKE THE RIGHT CHOICE_

Else, debt slavery can't be avoided.

*_Great Indian Festivals, Spending & Festivals_*

Once upon a time, *great indian festivals* referred to the really fantastic indian festivals celebrated culturally across the length & breadth of the country.

We've now equated a festival's benchmark to *e com's discounted sales programs*

What else can we say when we end up with the *3rd great indian festival* within a month's time.

_Swiping credit cards to the available credit limits?_

_Swiping debit cards to the available balance in the savings bank account?_

_Borrowing from family & friends, just to buy a new gadget?_

_Loading up homes just because there is something selling at a discounted price?_

Where are we headed? 🤔

*If there is a no need of something in our life, there is no need to buy it*

*If there is a genuine need for something, there is a need to buy it; and yes, in the great indian sale*

_Spending money, needs a lot of clarity in mind_

Clarity to differentiate between a 

_Necessity_

_Comfort_

& a 

_Luxury_

The issue is....we've messed up our brains with no line of differentiation among the three variables.

So, there is *_utter chaos in today's reckless spending  which leads us to utter chaos in tomorrow's survival_*

The Good, Bad & Ugly; Earning Vs Spending

The Good
The Bad
The Ugly

Not only a classic movie, but also the Classic tale of Earning Vs Spending  with all of us.

Which one is the most comfortable situation to be in?

The Good...future secure

The Bad...future at stake

The Ugly...present and future at stake / struggle

Life / Time, Money / Wealth, Allocations

How do we allocate our resources?

*Time in Life*

Or

*Money in Wealth*

_The % allocations of time will define our life_

_The % allocations of money will define our Wealth_

Focussing too much on any one or two variables will definitely bleed the others

*Allocate resourcefully for a happiness filled money & life*