What are the habits that make a dreamer It should be done daily due to which he can I could fulfill all my dreams. Manifestation Second shamelessly ask because something or the other So you will definitely learn and the third basic hard work and Discipline. If you can't discipline You cannot do business. Tell me the top three rules you learned about money. The first thing your money should always make is you More money. Seconds you command the market It has to be done but it has to be done profitably. third The thing is that you may Learn management, son. 92% of people who think or plan Those who have the intention of building a business Can never get it started. A Difference Between a Successful Businessman And a non-successful businessman is only Manifestation. Franchise The Damn Thing. Franchise Franchise Franchise. If you can't even imagine that you can reach that height But you can reach it, but you will never reach it. Can. Who should start a business where? Build businesses that AI can't replace Can. Intelligence The Supply Chain. India is a price Sensitive market. don't give a great Product at a high cost. give an average Product at low cost. People will buy. Which Market You Feel Today? in India It is very big. The telecom market is very big. E-commerce The market is very big. Any Consumerism The LED market is very, very big in India. You have worked with great people. What have you learned? who were big businessmen When they enter the industry, they Attitude is what it is in this industry, friend. I will definitely become Shahrukh Khan. even though No matter how many Khans there are today. Do You Think You Can Fall in Love With Me? Boring thing is proportionate to the kind of Success you gonna make in life. Yes. You have to love what you're doing every Singles Day. You might not enjoy it Buddy. But that's okay. That's your work. You Have to keep doing it every single day. End You can't glamorize that. Glamour is Businessman Biggest Enemy. friend why you It seems that the top entrepreneurs you follow Take out the name. Everyone has a standard Why does he wear a uniform? Mukesh Ambani Sir is wearing white shirt and black pants. Because you don't want to waste your time Making emotional decisions that I am should I wear this or this, which market you feel It is very big in India today. You talk about being bigger and doing bigger things Many people think that big things have to be done. are right People mean doing big things these days. World It Feels Like Business Has to Be Too People want to do business, why not? I get it because it is not manifest. I could have done it, friend. They get scared. to me The Difference Between a Successful One Seems Businessman and a non-successful businessman There is only manifestation. If you don't even think You can reach that height. So you can never reach. You most On the first day that you have to live your life that Friend, we have reached. We have done it. this thing So I did it. Now I need to see the path How will I reach there? I did achieve it Took. You have to convince yourself first, friend. I can do this. Trust me when you do this You do things very easily then. You achieve it. That thing at today's time There is a shortage. And there's another reason for this that I I think that's because people today have depression cases. There are so many in India. Right? mental Health is at an all-time low in terms of India's population at least. Right? I don't No if the stat is correct. But a lot of People talk about mental health more often. All time high pay. Meaning the limit right. I Think People Talk a Lot More on Mental Health. But I think this is mental health. How has it become so weak? Something must have happened. It was not the case that in the older generation All the problems would not have occurred. and such It was not that all the people in the older generation They must be silent. Nowadays, people are a They go inside the cocoon. where Push them outside their comfort zone quickly. I don't have to go. anything outside here Comfort zone pushes them hard. This is the The Reason We Are Our Parents Earning a Lot of Money Over the Last 30 Years Trying to Give As better life where they put us in cocoon. Those people might have been in such deep depression. He did not go because he saw hardship. So, it means that whatever he has done right now from his lowest level Whatever he is, he seems so to me, my friend. He is doing something very weird at that time. Maybe there was no two meals today, friend. I am eating three times while travelling in a year. I am going once but when the children get used to it starting from the beginning and life is up And downs if that thing cannot be met Then They Go Back Again So I think it's Mental Health Week. Because of that and because of that they are also not able to think bigger It is written everywhere, see the manifestation There is a secret book, you can read it. Friend, everyone says that if I tell you too I will ask you, you say Day Zero is in your mind. But you still wanted to be the biggest. Today You also want to be the biggest. there is no Difference right? Your goal is the same and you are Already living that goal. You are saying I I will achieve it. Now How Many Years Will I Have Achieve it in is a question. so you are also Just Manifesting. I am also only Manifesting Sing Here. I am saying friend I will do this business, I do this much. Yes, we created businesses worth Rs 1000 crore. We people Are they still doing. We grow every day Have been. But that's all first in my head. If someone had told me three years ago Hey friend, Keshav will be worth Rs 1000 crore in 3 years. Will sit on revenue. Profitable Bottom Line He will sit on Yours in Dubai, Singapore, US There would be companies. So I would say, that's enough, friend. I have done a lot in these 3 years. But because I was constantly thinking of Being the best, being the best. I have to Do Something Bigger Bigger Bigger Bigger. End When You Look at Bigger People You Get Inspired. You don't get jealous. But in this One problem that arises is the action intention gap. 92% of people who think or plan Those who have the intention of building a business 92% of people are never able to start it. The number of businesses people want to create Everyone has intentions but is unable to take action There is a huge gap between what they do just can't find Because in his mind he sees himself there cannot see They can see them, they can see them They can plan their minds I have in my mind that one day I will do this, do that Give. Doubts arise, right? Yes that's fear of failure. There is only one rule of manifestation. You Can't doubt it. There Is Only One Rule to Manifestation. There is no other rule. Meaning Manifestation would be a very fancy word for you. You If you read The Secret or any other book Read religious texts too, friend. Bhagavad Gita, Quran, Bible. I'm sure there is one Thing You Trust The Supreme. and you it on Snow. And then you don't doubt it. you doubt It. It won't happen. Like Because I Was From a You Know Christian School. I have Gone give my education. We have the Bible I had a compulsion to read. There is an episode And I don't know it's entirely right. Butt said It is said that there was an episode where There was probably only one loaf of bread left and only There was some wine left and Jesus had it Had to type Feast. Too Many Disciples Were. So people still believed that he was a loaf of bread will fill everyone's stomach and that thing Hui. Because you have trust. you did not Doubt the Supreme. Right? The Issue Is You Say That Yes friend, I will do it. and the next Question but how will I do it? that planning It doesn't happen. There is that doubt that you every You doubt the planning steps. you this Do you doubt that I have it for this, friend? The money will not come. Then what will I do? it If he doesn't come then what will I do? my house How will it grow? What should I do? Doz R Valid doubts but you are out. you create a Plan for it and to That plan will work. you can't doubt that Every single day that now what I do Will I do it? What will I do now? You are from God After praying, there is no doubt in that prayer. You can't bring it. Manifestation's According to me there is only one rule. You never doubt. So how can we do Let's Talk About It? Let us go Let's talk to him now that someone is watching this. I want to make it a business. It is a small town I am sitting. start it now Is. Now it's like I have no doubt Is. I want to start my business. What Business Can They Do? What idea can you come up with? Where will money be made today? Whom Where should I start a business? Nowadays, there are many businesses To make. Right? I think it Supply chain is the best business. Now the supply chain opens a host of Opportunities Where You Don't Even Have To Innovate. Right? You just need to realize. A product that is being sold is from Place A How did Place B come about? How to sell at Place B And how to sell it at the cheapest cost? Right? How can transportation be cheap? How is the distributorship? I think It is more than a supply chain in today's time. There is no money in any business. fundamentally Whether you do wholesale, whether you do retail, you You are only solving the supply chain. End One Ver The Other Of Reaching Your Customers. Right? If someone is in tier two, tier three If he is sitting here, then today he has so many options. To create a supply chain. because There will be some services at that place which the city I am the one who is not reaching there but people Will still use. Like give me an x Friend, dark stores are available to people in today's time. Blinkit has become so accustomed to it that it Blinkit also in tier to tier three cities Would like to expand. Forget Now What is Blinkit Blinkit doing? Blinkt simply creates a supply chain Used to be. So You Have Lots of Opportunities That come up. Second, which business to do? Whatever is going on in his area. Where But he sees some usage daily. As Today we do gift cards. because Very Early in My Career I Was Exposed To loyalty rewards. I work in a corporate job Was doing. Best performer to me Used to get an award. The voucher used to come. So do only that business which you understand. yes. Business is not something to be copied. Business is something that you do every day. You see. You know this thing will sell. What? You yourself have written this thing. To all The best business is the one in which you are the most You are a big consumer. You do that thing and become a business Will go. Because you understand that product. You also know what is good in that product. What is it, what is bad? what are you okay with have to do We And start the third thing, that is, behind it. Don't think how will the capital come in this, friend. How will it come from day one, think that friend, from today 3 After a year, I will be here in this region, this state I will become the biggest player in this country. But start, you should start small. You will have more money in the beginning don't burn don't do this take a backup that the house is comfortable right means you You can't build a business with pressure. That friend, there is something at home as well, meaning there is something at home as well It is spoiled, what should I do? Many people fix it. Are. But I think 90% of the public Create such a backup system. Side You may start from the left side but start do it. Gradually scale to become profitable Take. If you imagine someone earning ₹1 lakh every month Have to send it home. Today he is working. So Start a business on the side while working do it. In 6 months from now, it will be like this The business will give you ₹00 per month. Job ₹1 lakh Will give a month. After 1 year the business will give you ₹1 lakh Will he give it or will he give 1 lakh? Leave the job. Get into business. And then when full time If you invest, that business will give you more than Rs 1 lakh. But the day you start you do this Imagine that in 3 years you will be the leader of this industry. You will become the biggest player. take one of his dreams Take. You can dream of anything. you that The biggest player in the village, in that state The biggest player, the biggest player in that district Big players that month, ₹1 lakh per month, crore month, whatever that The number you think is correct. And You should keep thinking about it day and night, friend. I have to earn. This is for me to earn It is there. I have to earn this. This only The business will earn me money and then you do it. You keep working on that thing. But You know, I believe in it, right? personal growth content that happens I was his biggest consumer in books. I also read that and watch those videos too. looklooklooklooklooklooklook I also watch those speeches, that's why I started a podcast, which I'm a consumer of. I was the one to him built a business If the business is done right, it doesn't even seem like This business is like what I used to do. That's what I'm producing. it's a Same thing every day we You enjoy it. So we I Am Learning Everyday From People Like You Before I used to learn by watching someone else I learn directly and I get 80% The founders' personal pain points Yes, they solve it. So my pen The point was that as much personal growth content He is India's best on a world level basis. No one is making it on the basis. So I On India's basis, through India's lens I make it accordingly. than a world leader I will ask about India. Right? 80% of people make it like this. But many people does not understand that his personal What is a pain point? where can they find that Pain point? Because suppose someone has a job in the morning He is doing it, he is coming. How will he find his friend? Any pain points? Dude, it's the easiest thing The thing you are most used to is Go into business. But then there was already someone there If you are doing something. yes but do it better than that Because when you do something, for example, if I like to eat in hotels. We Or if I am working and I have a mess I like to eat food. Right? and something I have a habit which I am following. I know for sure that service What is deficiency? Because Indians don't Finding some flaw in the service I am an expert in. You're doing a podcast today. If so, people will say, man, this is in this podcast. The guy could have done this well. So just you Similarly, grab a pen point, friend. It is really affecting you. which allows you to It seems that by solving that pin point Something good will happen. If you are sitting somewhere today The simplest example is if a person is sitting The one who is very fond of food is doing a job. and he thinks I'm going to the mess today In the mess, the same thing means the food is top notch. It will not be of the level, flies will be flying around That poor fellow looked at me very sadly. will serve We Then you decide if you want to mess up If you drive, how do you drive it better than that? Don't Need to Know How to Cook to Make a Mess To Know How to Deliver Quality to Run a Mess But then for that matter I have to do business How to decide whether money will be made or not Will the customer pay or not? How will this be decided when one believes that When your service is better than the other person's. People will pay, Deepinder Goyal said, Zomato How did he start Zomato? Why did he start consulting? There were physical menus in his office He said, friend, let's make an app Digitizes the nearest 40-50 people and send it to everyone via email. His pen will not move the paper if he moves The point was the same today Zomato again slow Gradually Zomato became so big today that That blinket is also that quick quick commerce He is also doing that. He also ran Hyperpure Used to be. where he is facilitating To the supply chain. Day One Pe Kisi Ka Business It is not perfect. Day One Pe Wo Ek Let's solve the problem. Now you to me You are asking how will people trust? to the same So let's do the manifestation that friend, if If I do this thing better than this then people do. Because that's what I have a problem with Those five people sitting at my table were also the same. Running the thing. friend give me watery vegetables Gave. He is taking so much money, he is not doing it. remained. So you ask them for their opinion, customers. What if you give me ₹10 more? You will get something good. Will you take it? people so Customer feedback real time people will say yes I know the biggest issue, say it to me. What about startups, founders and their The product team creates a product in their mind. takes it and then puts the entire behind that product She puts in the money and they think now this We will launch the product but when that product He goes to the market and the customer speaks. Dude, I didn't want this, very good, it's a Very good product but I didn't want this My philosophy in business is you first Launch Quick and Dirty You Will Fail But Then You need a high-end product manager You don't need your product team. Convert customer feedback into Do it and you make the product. you your If you make the product according to the customer You have to fight for product market fit. You won't have to do it. because what you Quick and dirty kiss you from her I found out my shortcomings. and when You know what the shortcoming is that keeps you Keep patching the shortcomings up. and then at The End Of The You Make A Beautiful Product. Dude, what was Zomato? There was an app that just Used to give menus. Then slowly he I realized I can also deliver. Am. Now that the delivery scale is done Then came multiple bins gradually The business grew and then he said, friend, let's go solves the supply chain because its What was his pain point after the hotel? They were unable to control the quality He asked how the quality of the hotel was. We will control the good ingredients If people bring it, they will solve that thing. Then he did Q in commerce. I saw the benefits when no one else could. Was We Like Blinkit acquisition at that point of Time was questioned by everyone Or But was only Dipendra backing to say yaar Let me do it, I will do it today. Valuation is 50% of what it was in the market Value yaar better acquisition than that in the The last five years may not have happened. and it's doing well it's coming in a Market which is highly competitive So the point is that you can run any business with a pen Start from the point and then The rest will keep increasing, just keep it So late someone thought of a pen point We also catch the mess created. He said, "Friend, I go to the office every day." I somehow get bad food here. All the people who go to office like me Good food has to be provided. Done By doing this no one I found the problems and found them. Now the Next Point is now I am starting when. No one knows me. I have no faith Does. People in my service do not Address. People don't even know I can do it I won't be able to do it. Now I am in the first five Where do I get customers from? Bring your friends, man. your acquaintance Bring the one. There are no bigger cheer leaders than him. They don't happen. But someone I know Someone has such a big office, office is something. No. But you are working somewhere, right? First Bring three people from there. them first Get me food. Get feedback from them about the food Yiya remember or is it good. Now that they know He thought the food was good and then he There are many ways to scale. you eat A chef is also needed to make it. He was a chef who cooked home-style food in that mess. Will also put it inside which is of better quality than that I will keep it in. Because the guy in the mess gets ₹100 Selling plates and 100 plates a day Is selling. Its maximum revenue ₹10,000 per day. ₹5,000 for his item It will work. There will be some wastage. They Spending more than ₹1000 to ₹2000 on labor I am not doing it at all. This is an industry where There is a 35-40% margin on it. Right? And good and Indians get margin for every They know. You can go to any corner shop Go ahead, people will sit outside and drink tea, friend. His business is worth this much. so little money He must be taking less home. So everyone has an idea. So you make that estimate in real time. if you You are saying that you don't know anything. You take your idea and go to the people who You sit together and eat food and eat the same food. were bitching about. Because when you If you are talking about three or four people, then you Are you doing it with me, friend, this is not fun. remained. This guy robbed me, friend. See lentils It is like water. He took money for water. From us. So tell them, friend, this food Eat it and tell me how it is? someone else Personal pain points such as supply chain How will the personal pain point be removed? With customers? How will he bring it? Dude, it's simple, right? his pain point Like the village I came from 15 years ago. Earlier bread was not available in that village. Bread used to come once a week nearby. There used to be a line from the city and on that day people of. Then what did one guy do? he said Dude, I'm an everyday real bread guy from there. Freshly prepared at night, take it to night. I will come. I will sell it here early in the morning. His The business became automatic. When you put a pen point See, its session is also simple which every one It happens near. The supply chain situation is such It doesn't happen, people don't have it. People They say, not from here, but from there. Must come. You just need to figure it out commercially. You have to do what you have there. There is volume. If you have that much volume If it is not there then you will say that after this I Where will I launch it from where the volume will come? And again for a tire to Guy who has to give Money at Home This has to be part time Business But That Part Time Will Require Him to work 8 hours 8 will do job 9 hours 8 He will work here for 9 hours for the first 3 years. is ruined So someone might have two or three such ideas. Whoever came to your mind, do this also. I can do this, I can do this too Yes, you said something and that idea came to my mind. Four more ideas come out of Chat GBT I went and saw two or three pain points. He will never be able to build a big business. Because he has conviction in one of his ideas. It is not there at all. So how do you validate? How do you realize that all my ideas on which I It seems that something will be made somewhere. Which idea should I catch where my Don't waste time. Customer to customer feedback All customers say yes, mostly har har When I say something, the customers laugh. They say yes, but the customers don't buy. Not there. very often this Customers laugh at me. That yours’ They must be real customers or friends, right? I ask you what are you making brother, don't Made people. There is not much friendship at this time. It is useful when you go to visit a friend You pitch the idea right in this, right friend? The first thing he does is to tell you about his Tell me what is he making people do? This thing will happen from here too. But he had a lot of friends, so he would have been like this too. Those who will find fault in everything are those To go to your top two or three people or else Your brothers are like me when I had bananas I started my opinion at home. I had taken it and my family told me Dude, I don't think this is right. The thing is right, you can see the rest if you If he can cover it, he told me the risk. He gave it to me and he said to me, friend If you can cover this risk then you He can do this business. Like my brother. He named my company. Now he Therefore, search the name of the company in Sanskrit. I kept it because I was speaking for everyone I will create wealth. I will create wealth. Wealth I will make it. There should be something formative. He said he liked this name. to me I also felt that the name is such that people know its meaning. This won't work. So the name should be kept like this. Hmm And we kept it. Right? means every problem How big, however big or small it could be Have people referencing around you. And if you Are saying you are not able to find the right Problems Don't Start Wait Find the Right One Find the problem after three years, not now. Because until you have a problem You don't have conviction, you won't be able to do it. We And you can't solve three problems at once. You can because then you are 100% in anyone you will not put True, so now someone from Let's Small Business Made it and some small business owner is watching How can it scale? Dude, she knows that I spend so many months I serve customers, that's what I do. I'm with that small business owner next door Of the shopkeepers or of the neighbouring village Shopkeepers also have a number. We Then he has to think what such thing do I have There is risk capital like I also want to do that business I can start my own business or I can start that business. What is lacking in the neighbouring village and that is not always what it could also mean Service We Maybe like I know someone Who has a place named Karim Nagar in Andhra Pradesh He opened his own retail shop in We At that time the retail shop was owned by a North Indian opened and there were South Indian customers Why do you come and buy right means north? This was within the first conversation with the Indian Taste few items of South Indian North There was Indian mix. And that was a big Problem. Karim Nagar is a place in Andhra and Andhra and Telangana. I am not Va Sure. I think this is in Andhra only. The place came And the population there was very less. over there There was a lot of mining work and He opened a retail shop there. So What he said was that if I am here I have to attract people. They Removed a session from my mind. and they have Reached a basic scale. become a small business owner Had already. Then when they had to scale. He said, friend, you buy two sarees. Third I will give you the saree for ₹1. But that saree This will be the range. Meaning a saree worth ₹50 to ₹100 I will give it to you for ₹1. Now that he has that then she had those two saree buyers There was a huge line. Right? and then he scaled and at scale edge and when you get More Customers and Your Cost Is Restrictive. You Can Pass Cost Advantage To Your Customers. And if you're always in a Price Sensitive Market, Again, This Is What is there in the build don't talk. India Is a price sensitive market. don't give a Great product at a high cost. give n Average product at low cost. People Will Bye. People Don't Care About What They Want To do well. People Care About Yaar 10,000 If work is being done then why should I pay Rs 1 lakh? Should I spend? what difference? It has a camera Isn't it good? I don't need so many photos, friend. Which photographer am I? But isn't that changing? Because big businesses Houses now are doing the small business that They are rich. Bear losses bear for years. And small businesses are probably just Catering to the top 1% is the only way to make money. Are. Dude, this thing is not entirely right. because again at some point of time economies of The scale will kick in. So if you are a small business owner, is not adding value so if a small Business owners can add value to their items. Used to be. If I am buying this item for ₹8 Am. Selling it for ₹9 without any value Add. I will die. Because it's just me Was doing arbitrage. Arbitrage is not Business. But here if you look at no matter What you do. Don't you think that big business kills now? Going with the money? They have not been very successful at all places where it could see no place Don't Because People at Some Point of Time Get Affected and Again Go Back to Normal Everyone entered the jewellery business Reliance Tata entered the jewellery business Jewelry business titan all things happened. Apart from the New Age people who are buying From there. Even today, those who own majority gold He buys from his family jeweler only. They buy because they trust their On quality. No friend, change is happening. There is a lot of change Used tobe. How are family jewelers still today? Surviving? There are but then a lot of family jewelers are Struggling Because of These Brands Now. Tanish has created a massive ramped up in the Country. After that, the carat lanes etc. came which is probably Those people have it in the starting range There has been massive destruction. then his Later, the younger ones were the family jewellers. Were. He launched his Massive International Created brands that have become huge today Are. Like Malabar and people right? es de Have all become retail joints. Yes, but its There is a way when keratin is growing. Is. If you feel that the competition is mine If business is going to kill then keratin Take a franchise. There Is Somewhere Where You Grow. No. What was Carleton's policy? Carleton said that I am a franchisee and I will give you minimum return on Capital so much I will undersign. and one of you guys will be the owner of that store which He will become the manager there. Because Carat The biggest issue point of the jewelry business What was it? Theft. Right? Meaning Everything Else It is secondary. If the gift is stolen There entire PNL is crude. But if my franchise owner is the same By becoming the owner of the store, if any of his family members If he becomes the manager then theft will not happen. Will give. And the cost of opening that was very cheap For them. because they only understand a Minimum amount of a whatever revenue Share that they would guaranteed give the other guy Over a particular stage of period. Yes, So Big Guys Will Come and Just Eat Your Business. That's what I'm trying to say. So what should be the businesses where should do Buddy? A big man came here too and he came In business. But you should join him again. if you If you want a lifestyle while being a small business If you want to become one, try to connect with them. Because he will give you opportunities. Today If Blinkit is saying that he is putting everyone's Blinkit Dark Stores He is giving you an opportunity. Right? Blinkit's Where will you supply from? Sort that. Because people are not able to scale. Blinkt Is still not buying from brands. We Blinkit Is Still Buying From Wholesalers. Right? Blinkett is still his favorite even today. The brand is not able to supply the entire supply. And there is a clear reason behind it. Blinkt Wants Payment Terms at Times The payment terms are not acceptable by Brands. So You Build Your Business Around The Way the Market Is Shipping. you don't say this Friend, I will sell it to the customer like this only. Anyone can be a customer for you. Yours The job is to build a business. Don't look at this, customer. Big company, small company, individual Yes, what is it? I think if Blinket is changing your market, So figure out how you will work with Blinkit. Here we become customers and here we become vendors. You will learn money both ways. Business is closed Not there. Even though the number of The customers have changed. Metek came right? So many online delivery I tried but Still, which is a pharmacy in a large hospital. There is Apollo Pharmacy, it is still running. But those are also big groups. No, they created retail groups. He has franchised it. Yes, but Apollo is a large retail group. Wellness Forever is a large. Franchise na de r giving still r Giving People Opportunity to Make Money. at Some Point of Time Today Brands Will Come and scale at businesses because people will want To move more and more towards brand two Gate Transparency. Today if I have to order a product I would just prefer doing a blinkit and Atto rather than going and buying it from My Near By Store That's Pure Convenience But Can the Store Still Make Money? Yes because the store can itself supply two Blinkit and Become a Blink It's Official vendor. Because the bigger the companies become She is opening something or the other in Allied Is. But there is also a big player game there. How a small player can become big is a Question. At least until innovation or Economies of scale or leverage of capital Not coming or brand leverage not coming remained. They are small businesses that sell themselves or So technologically brand wise or some sort Of leverage innovation type relationship wise. If they are not advancing themselves, If you can't do better then they are just dying Not by solving business pain points Are able to win. But this is history, isn't it, friend, as if you Don't Keep Changing S on Market Trends You will die even if you are Nokia you will die We You have to change your age and when the Market Gross Means Business Never Means That You will only solve a pain point the pain Point changes at every moment. Fair but do you think today like India was A Land of Small Businesses. Even today, India Is it a land of small businesses? do you think that MSMEs and small businesses are equally important today Can grow rapidly. They have as much Opportunities have become less than before Is. He bowed before the Capitol. I was Reading One Stat 2023 was that the top 1% of Business Owners and Businesses. And like just Let the top 1% of India earn 22.6% Of Entire India's Wealth. But Joe Highest Inequality is the highest since 1922. Inequality has happened today. so do you think in Today's time when inequality is so high that If 1% of the people control 22% of the wealth, then this 1% of people maybe 22% of businesses or 50% of businesses Will also control. No the logic is different. One I Agree Two What You're Saying But That 1% Today Against A total population of 120 crore the number is Big. We May be it was almost a similar number of people Previously because previously your population Take Vaz. For that 1% gap that we are taking How will the percentage change i.e. number change If yes, the percentage will remain the same. friend, because even at that time there were people doing business You had the same number of people today who had a medium Business inequality was not that much, right? I am asking what do you think today people have a fair shot of winning I don't think so because I think jisko Businesses have to be built in today's time, that is There is more competition, you have to be much more Agile but I feel it is still on time. In fact, who wants to start a business Opportunities are greater than ever before Because access to capital is easier than before us If You Are Saying People Against Capital Are about to bow down. Access to capital is Easier than before. We It was very difficult to take a bank loan in the earlier times. It was a big deal. Today, friend, take VC funds. is not a big deal. You will definitely get angel investment. You will get it, friend. But You Have to Be More Agile. You have to be more sharp when you Trying to build a business. if you are Trying to Do a Midker Business, You Will Not Be able to do it. That's why you have to think bigger. Right? fundamentally the point that friend you I haven't been able to run a small business all my life. Can. In earlier times, people used to say, friend I am the king of this area. I am in this area I am happy to be the king of. Today you will see this area The king cannot hold office for more than four years. As soon as someone finds out about your earnings, it's huge. The player will come and become the king of this area. By underwinding you. And India is a Price sensitive market. So again, if a A small business owner who is starting out He will start the business. him first No brand will disturb for 3 years. When until he proved that this market I can make money. And when he proved If money can be made in the given market then that Your service quality is better than big brands Do. He will get the capital. Today the government is giving capital. VC Funds are providing capital. Angel Investors are providing capital. all of that Leave it, you are giving bank capital. To you Do you know that ₹1 crore is a big enough amount for A trader. Banks are giving MSME loans Without collateral ₹1 crore at about 9% N Enum. And if your service quality is better than the bigger just because someone has capital does Not mean service quality is better. that will Always be a differentiator. Capital Will Not Be the only differentiator at all times. My feels that if someone is thinking I built a business and in small business I'm happy, then we can't do that. You have to make that business big. IT Trade Mail Yes, you will have to do that if you have small If you want to do it then join someone big. Go, he will grow, I will grow anyway I will go Now either do what people did in earlier times Create similar businesses in dealerships right when Big FMCG products were coming He became their dealership Distribution and distribution have become very big today If yes, then even today you have to do distribution. If you don't want to become too big But your brands have changed. We You become distributors at the front of the service chain. Go friend. So this is a capital led business. But Not Compulsorily Because You Still Have Access To Capital. So who needs capital to become a distributor? Will you give? Who doesn't give? Why doesn't the bank give To you? Banks are against stocks. Capital gives. I am nobody. Nobody am randomly Bank me one crore Against stock. This is the rule of MSME, friend. If you follow the correct scheme CGSTME is a government scheme. If You Are a 2y old business then you will get that. I don't have money to start a business To do. Where should I get it from? Zero money. Friends and family. you don't have an Option. Business is not built with zero money. Or So you start the service. We Do service, earn money, then do business from it Make. Business cannot be started without money. that for I am sure. If anyone tells you I am zero From became a hero. He has no capital anywhere. It had come from somewhere. either he earned it himself Was. He saved me from the job. without capital You cannot do business. But Modern Day Traders Can Do Little Today. So I Feel This One Is If you have no money today, If there's nothing like zero for Example: Nothing at all than two businesses Which one can you make is the first trader used to do it and not see the demand from one place where I saw the supply and he came in the middle and he would have done it. The arbitrage business is still the same. But in Technology, So Now You Need to Equip Yourself with knowledge to YouTube Instagram And so much on social media Google Chat GBD There is knowledge Those old businesses need to be modernized. Change them according to technology and Sell ​​that service That's what I said, do the service So That You Can Do Without Service You Can Do Without Capital Service And Businesses Are Different Service so friend today a CA without capital Technology can open a CA firm Business to hai na at the end of der paise to are being made money Services business is also a business. 100% So That You Can Do Services You Can Do At all points of time, service does not Require that much capital. But if you are Talking About Business in Terms of Business Goods written in terms of any kind of Trade what you want to do. what you are Trying to Do Is Solving a Technology Problem by Giving Service and Just Making Old Business Take Heavy It is a service, it is a service and there is Lots of opportunities available because I was speaking to one guy recently. I used to write emails to my friends. Of And he made a sudden shift all over. I used to work somewhere for Rs 40-50,000, now I have AI The child is 23 years old, 20 years old, AI AI AI He has learned a lot, what is he doing now? Companies, startups, old There are businesses in small cities, they are Lindin emails them and tells them that your I am doing all these things in the company through AI. I can solve it. You hire so many people There will be no need to do it further. And that AI is creating work flows for them. Easy Going Charges ₹ lakh for consultation. speaks I get two or three clients every month. Are. My money is made. That's really a smart thing and then when I Ask him how did you learn all this? How? Meaning three months have passed. You are something from me Ask me also. Like wow because it is so new that maybe After just three months of entry, he reached at least the top. It has already reached 20-30 people. Top 20 It must have happened to at least 30% of the people. This thing, this thing is new. this is Insane. So you can create such a business. But the same thing happens at every stage. You If you look at the period from 2000 to 2004, the people who The computer used to come, who would install the computer who could install Tally, He made a lot of money. Or People know that my father is a big businessman. used to do. He did not know tally. He is one The retainer used to give money to the man. he came He just used to make entries in the tally. Good He was fully respected that his son would enter Even if it goes wrong, it doesn't matter. and then he Head to upskill upskill upskill. So Even before service businesses, you can Could have made money from the capital. But your Capital was your learning. We So if you have learning then you can earn money. You can make it. But if you want distribution I have to do this type of business. Without capital you You can't do it. Banks will give you access to credit unless you are a Banks are not a year or two old, you Will not give money. You get that money yourself have to gamble So first learn in service by making your own arrangements. take some So put in a little bit of money like this when your The business will be a little scaled down to a year old Then you will get capital very easily. will get India has plenty of capital to scale Is Or Right, I think India is banking This is an issue which companies are 2-3 years old. It happens, they give them capital and then On top of that, they give more capital and more capital Right and that's why I think Angel Investors VC Funds Friends and Family Rounds and Just Pure People Who Are Willing to put the first set of capital your Business became something else because that's a time. When no one is backing you True Bigger people back you when you have already Build Something You worked with bigger people, right?. You worked with big people, what? have you learned Friend, the first thing is that They are big businessmen in the industry They enter into this I will become the father of the industry if they It seems that he is not going to become the father of the industry. Can't enter that industry. So When they enter the industry, they have attitude. He is the Shahrukh of this industry. We will become Khan. No matter how many today If you are Khan of this industry then Shahrukh Khan is ours It will be made. Without that he would have entered that industry. No. Meaning their research is strong. They know there's money in this industry. Can be made. They know things They do it in such and such ways. they have There is already a plan for the next three years. Now Is that plan right or wrong, that time I will tell you. But today he has 3 years There is a plan for this. Ok? Today is Flipkart. Flipkart Pay One when Flipkart's Big Billion Day happens Then Flipkart releases an iPhone ad. iPhone available at X less at 9 means 59 right Which is the Cheapest iPhone You Will Ever Get All over India. People are judged on its quality There is no doubt. People still go there Let's order an iPhone. Why do they say Flipkart is there and they sell standard products. Have been. These people make any customized product Do not sell. These people are distributorship We do. And these people would have the ability that I can bear the loss of two years To capture the market. Right? So I think the people who are the greatest People are what they do. that competition Ko brother hooks Ko hooker. First The thing that happens when they enter the industry is They would have already manifested. this industry We will become the leader of this. How will they become their Have a game plan. And That Game The Plan Can Always Change Then It's Best to Stick By It until if If It Is Working They Stick Bye Bye Bye bye bye bye bye bye it. if not Late Happy to Change. We But their goal is simple. To me this I want to become the Shahrukh Khan of the industry. We So what other ways are there? this is Interesting. Price Pricing But Do People Really Follow this? Do you have a lot of money? The talent that your competition has Pick it up at triple double triple price. We do. And then just take it because 6 months Will fire later. No, he is not But he picks up three If you are paying multiple salaries then work is also available. We give this much to the one who does it. Now the front If he doesn't prove it, then he is called friend. Tata By-B We Can't Help You. give him There are benefits. From a competition, today he It has left. And any new guy will come He needs six to eight months to do his work. To do. If he did not do it, he Anyway, we will remove you on the basis of your performance. Work If you do it then you are anyway winning. Competition is dead anyway. and with In six months they would have already captured That market. Because whenever an employee Moves from one organization to another Carries the Mistakes of Her Earlier Organization and Tells How Not to Do Things Mistakes. So even though they have used resource expensive It happens but learning is very cheap. True But there are many companies that have come recently. Vas readings. I don't know how true that is that any of the top two or three US companies in The world's largest companies are US-based companies. Top MIT, Howard, Stanford Inc. hires She takes their top graduates, she takes a lot The bar just hires them from one They don't know what to do with the domain. have to get it done His work is completed after 6 months, 7 months, 8 months They Just Don't Want Them That Talent to Go Anywhere Else Yes, it is called Human Resource Capital. Nor do they want any other business Pay that capital waste be. We No matter how much you have today, you still You will take two extra resources for your Safety for your comfort. Today you have this Mike is a resource. Right? You have these two Probably the best mic in the world. But your You will have backups in case it fails. If it happened then that We And that's how much money you paid for it. And if a podcaster wants to start his new He must be starting his journey, he has money Will not be able to take the mic. We also did not have all the earlier ones. But you have backup resource capital in today's time. You keep it ready. Now in your case The product is replicable, right? Meaning he will get more but human capital It doesn't happen that way, you can use Right Capital to correct it. You block me on time but you should also know that if you don't give them work, they will never will quit as well Right means a if if that mentally stimulate If it is not happening then he will quit it. to work True Then do you like the way people scale there Business The Big Business do i like it yes because because i also Want to Do Something Similar Right Meaning Scale That's the way to do it, friend, if you You have to scale the market You have to become a market thug So what are the ingredients to become a goon? what do you have to do You have to tell your competition Friend, now I have come into this business, I I will become the biggest player in the business. And I will do it at any cost whatsoever second you have to realize that you are The next 5 years after becoming a market thug You will also earn that premium back like this Don't become a market thug where you You will not earn in the future Right So I think by doing these two things You are solved. India is the price Sensitive market. Jio is initially free I launched it because there were so many users. Their servers used to get jammed. But that Did not reduce Jio sales. it infact Increase because tier two to tier three That was a new thing for people. And This Was Not the first time Reliance disrupted the market. Initially when the mobile phone gets stuck When everyone was saying ₹1, ₹1.5 Have to charge. Reliance has increased its price by some 2530 paise. I had made my calls. Even then he This was the issue of the market. Right? and they and thinking of scale means their thinking I wouldn't have 1 million users today. On which other people are doing their own thing. My You will have 1 crore users and I will I just want to earn enough to make my The problem will be solved. Right? So to become a market thug you need to I have to think that the market is so big I will capture that everyone will get goods from me Will take. Which Market You Feel Today? India I am very big. The telecom market is very big. We The e-commerce market is huge. Annie The consumerism-led market is very, very Big in India. Because people have money Are increasing. Even if the money is not increasing Spending capacity is increasing. I think Spending capacity is the right word. From today First, if your dad, if your dad earned how Much you are earning today, He would not spend how much your spending Today? It's a fact. If you earn 10% of the month You are earning lakhs and if you spend 2 lakhs had been. If your father earns 10 lakhs So they spend 500. This is a fact. So Whether the income is big or not, that is debatable. Meaning everyone has their own way. But Spending power has increased. Because people just Want to spend more And want to spend more on consumerism. The number of trips you take in a year Your parents may never have gone. Right? Because he believes in saving money. Were. Today I need to be mentally healthy, friend. I want relaxation, I want this, I want that. And we go. We So anything to do with consumerism will work. If you do anything consumer oriented You will be successful. service to you Will have to give it. Delivering good quality Will have to. The price will have to be kept reasonable. But You will do it, friend. I think I think There is no bigger industry than that. Anything Around This Will Sell. anything Around AI will sell. Everyone is compulsory It is not that AI is created. I can't make it, friend. That is not practical. Her angular Make items. like the electronics you use today Where do you access AI? From your phone, From the tablet. That industry will always be there. They The industry is not going to change. This way Build Businesses That AI Can't Replace Is. Supply Chain AI will never change the supply chain Cannot replace. Countries like India at least for the next 10 years Because he doesn't know that the last mile How to close mine. Last till today Mile no one has cracked. End India's last mile is not tier one. Tier two, tire three, such a long tale. And that's where people I have more money and More Spending Par. Today if you go to any Village. You will find people who use phones. And it is on WhatsApp. who views Instagram who are watching TikTok, who are watching Reels are looking. I don't like TikTok anymore Know but which reels are being watched. India I have so many YouTube and Instagram accounts. Creators who are tier to tier three cities We are moving ahead by creating content. and people I am also watching them. You and I that Not consuming content. That is the tyre Two tier three is consuming. Meaning They have phones there. they have There is internet. Someone can sit there and build a big business. Is. I made it, friend. Made by Zoho. well it Is not entirely true. I think I have Don't have backgrounds but people made them Because in today's time communication and Travel has become so easy. I don't have To stay in Mumbai to earn from Mumbai. But what is the advantage of a big city? Versus Small City? Who has more advantages? What are the pros and cons of both? Big Your expenses in the city are higher upfront. But there are more opportunities too. Opportunity is more, not always relevant. If I had an interview with you today I had to just fly down to Mumbai. I was staying in boredom, but if I stayed even In goose good. I would have taken a train too Mumbai and Wood have come to the nearest apo And took a flight to Mumbai. earlier times Like Opportunities Restricted Only Not in Tier One. in fact tier two There are more opportunities in Tier Three. Because the thing that has worked in Tier One He is still in every tier to tier three The place has not been reached. I mean, only him If you replicate the basics, you will have it. Will go. Hotels today people tier to tier three People also want to go out and eat. Today they probably have a Domino's or Nothing like this will happen. But if you are a decent If you open a pizza outlet, your pizza The outlet will work. Yes, not that lavishly Whatever is there in the city will do. But Profitability level at that from your city Will do much better in a tier two or tier three City Because Your Rent Is Cheap. Your labor is Gonna be cheaper than here. Right? But don't you think in which city there are more Where there is action, there are more opportunities. It is available. It is not necessary, friend. Important in today's time Not there. because they just so much Connectivity. Reaching today People Were Everybody Hustling. someone somewhere Opportunity out of thin air It comes out. Dude, but there are so many people. If you his What is it if you check percentage wise? We Yes, you are around people who are always hustling. But how many such people get Inspired by That Hustle You can say this because you are the same everywhere You seem to be looking for an opportunity That I want to become big, big, big is only But does everyone's thinking match? So until the thinking is the same then that hustle There's no use, friend Because people don't want to be big. People tend to go into a comfort zone After some time, because people have a A target is set and that target It is big for them. And for someone else, it The target is 1 crore, for some it is 10, for some it is 100 for, for anyone. But after that people go into their comfort zone. Very Few People Can Always Keep Changing and Not only chase monetary targets. Right? Like Your target is not monetary. Your target You are the world's biggest podcaster Have to become. Now that target is such which will Always keep you motivated. irrespective of Your earning is 1 lakh, 10 lakh and even more Ten million. You won't reach it until you will be. So initially people's monetary There are targets. I am sure you too Initially, monetary targets would have been That friend, I have to earn this much. Then when that Becomes a qualitative target and you want To Maintain That That's When People Keep True. What are those habits that one Dreamer should do daily because of which He was able to fulfill all his dreams. Manifestation. I am a big believer of that. Second Shamelessly Ask. Ask friend, you will get something It will go away. Trust me, it happened to me. I So I would go and ask anything from anyone. In this podcast, I told you so many I have asked all the questions, friend, what do you think? Used to be? How are you feeling? because some You will definitely learn something. Worst case scenario, if you don't learn, you will understand. You will go friend, there is something worth asking this guy. Or it is not. I think if you keep doing these two things Can you? And the third is basic hard work and discipline. You need discipline. If you discipline You can't do it, you can't do business. True. A Lot of Reasons Why Family Businesses Today we are not successful as because the next Generation is not discipline. and they don't carry That much discipline as much as their parents. And That Is The Reason Why Parents Also Don't allow them that much. I don't think so If someone wants to sit and work for 14 hours If he is doing so, his father will say, son, work hard. Don't do it or you don't work. But because He has seen that comfort. Those people 8 men are thinking after working for hours We will do this, we will do that. that is Not Always The Parents For. Right? So this You do three things. May you be 100% successful. People with fixed routines and fixed daily routines Habits. They end up earning more in their Life. Or They End Up Getting More Successful in There Life because you On an average You have to do something boring, obviously it will happen But you have to do boring things, habits are Boring People say, oh it's become very boring. Want Switch That doesn't happen by switching on, friend. People do this in their jobs too. But switching does not bring scale. For example, if something is boring to you, If you want to do a podcast, you should do it every three days. I want to do a podcast, you tell me friend. I'm bored now, I'm out for a month. Now I will go for a month on my channel. I won't post a podcast if you're not there for a month. You are going on a break for that one month, right? The content must have been prepared beforehand. Before leaving in the last 1 month, you Two podcasts will be recorded for the day. Which means even if you are going off for 2 months Yes, your business is running well, right? And that is Consistency and discipline. That means today your All the people around and outside, every guy is one Editing different podcasts. So that He is preparing the content, right? He knows that This thing has to be known. If You Don't Put Content Out for a month you are a content creator. People will lose you. I mean you will lose that Growth Treasury. I agree with this. I'm a big believer of Doing the Boring Thing Everyday. And I feel anything for a long time It doesn't remain interesting. yes yes beans Is. You Have to Fall in Love With the Boring Thing That you do every day. That is what a scale. The scale is the same, friend. Your first 100 Podcasts would have been beaten. barely a thousand You must have got views. I don't know. means I am Giving Theoretical Value. ring First 50 per view with just four views if you If you don't do the 51st because of fear of four views, then You would not have reached here today. I agree with That's what I'm talking about, a lot of people who are working They feel like this in the third I am not enjoying it, I am getting bored. have to do something else and then they go somewhere else Let's go. Then there also he stayed for 6-7 months We do. I start getting bored there. Then I get bored. Business people also do the same. Hence the number of successful and big Business R Limited no brother. everyone to do If it happens then not everyone will become successful Will go. Because this is a fact. you take to school Take. Discipline is fundamental. means you are someone Also, it's not about jobs versus business. You If you have discipline then you will succeed in life. You will become successful. Even if their own spears I will be successful. success could mean Different to different things. For me he To become the biggest company in India Can. The biggest podcaster for you It may have to be made. Success Means Something Else for Everyone. For Some people at spending quality time with Family. That is their success. but that also They need to consistently do this every day. Right? They need to finish their work in time. They need to ensure they have enough money and Whatever they need to ensure they sing their children they teaching the children the Do the Right Thing Then the Reason People Don't is also the reason why so many of them are Not successful, but everyone thinks this is it, man. His luck ran out, see where he reached. Banda Do You Think The Ability To Fall In Love With boring thing is equal proportion like Is Just Proportionate to the Kind of Success You Ganna Make It In Life 100% you're gonna be in life Yes, you have to love what you're doing every Every Single Day Can Now Be Fun He will not come friend, it is in human if you You are telling me that till today you have earned Rs 1000. Recorded podcasts and all 1000 You really enjoyed that outside world. okay for maybe in this podcast as well You might be cooking but that's okay that's your Work You Have to Keep Doing It Every Single Day Day and you can't glamorize that glamour Is businessman's biggest enemy a businessman? Never glamorizes her work, writes her world She does glamour, maybe she earns 10 crores today. If he is roaming around in a car then people think Hey friend, this guy has bought a bus pass worth Rs 10 crore. There is a car. But behind that is his 14 hours of today as well. There is work. That guy even while sitting in that car He is just talking on the phone about how the work is going. Will he? So he never lived his life that much Doesn't make it glamorous. Why? Because he doesn't have time. They There is no time for discipline Do. Why do you think that Joe is in the top six? You can name seven entrepreneurs. Why does everyone have a standard uniform? Does he wear it? Mukesh Ambani is the sir. white shirt, Black Pat. If they want to wear something else People have to be pushed. ok that A man can afford any clothes in this world. Can. Same with Mark Zuckbug Same with Any Big person right you your I your how many I watched the podcast, the same boring, solid stuff. shirt I am a black t-shirt Same boring thing right because it's just easy You don't have to use your brain at all. If you look at me, I'm white. I will either wear it or wear black. This two of mine The work inside is finished. Pats down the formal key Putts is four. That will change. today this tomorrow that tomorrow this because you don't want to waste your Time making emotional decisions that friend I this should I wear this or should I wear this or when I go out I was dressing up I will be 50 I'll wear something else, but 90% of the time I I will see this in this every day, friend, because of work. That's it, isn't it? When you were coming here, you I was thinking what I would say about this I will release the podcast, won't you? Keshav was thinking that seeing me in clothes What will he say that I look good? What am I doing because the camera has to be seen once It doesn't matter what your face or mine is. The camera is affected by your voice What is coming out? Same thing with business. If I Business Everyday Different Fancy Of Should I go wearing fancy clothes, my business It won't make any difference. difference to my business My decision will be fatigued. Can I Make X number of right decisions a day. We And that's what a business owner does. For him I have to take 10 decisions a day, but those 10 Almost correct decisions have to be taken. If one guy could do that, it would be done. and a person's decision-making abilities Limited. If You I Ask You 30 Questions Today. You Can Only Give Me the Right Answer on 15 Of them. as a decision choice but if ask you 10 today 10 tomorrow 10 day after tomorrow your The Ability to Give Me Correct Decisions Will Be a lot higher True So you don't waste your decisions on Deciding whether to do this or that Tell me one decision you have taken. in your life which may possibly affect your family Does not agree or your community Marwari community does not agree Friend, I am very fond of cars, right? It's not my hobby to drive a car. I do that but I feel that if my I should just like something in my mind Get over that thing. The Way to Get Over the Thing Is take it and I will be over it. We So like I very early in my life Bought a BMW. This Was When I Was 2425 Because so much has happened to me before that. It was a BMW, friend. It is a BMW car. BMW car Is. So I thought what is this, friend? Today Let's take the car and see. That craze I have given up on my I removed it from my mind that the car has arrived. my two The days passed. Now this is normal for me. Right? The family doesn't agree to it. Family She says, friend, you spent money unnecessarily. Just Because my dad didn't send me for that US Trip. When I was in school. Today in my It's a craze. I'm international only business class I travel. I don't go below Business. Because I think if I will downgrade my level then in In my head I will be okay to adjust Everywhere. Because today my expenses are high. Is. I want to earn more. Simple It's because my expenses are so high. No. I don't have an option. I am 20 hours I will sit and work. Because I have I Want to live that life style. It's Not For people. I have to do that thing. My The family doesn't agree to it. Papa says Friend, you have to go to Dubai for 3 hours. Why do you want to travel in business class? What will Soke do? But I think so, friend If I reduce my expenses, my Motivation to earn will go down. I I will tell you friend, when I don't have any expenses then What will we do after earning? We Now it is like this, friend, the expenses are so much that it is shocking. Will have to earn Rs. When you have to earn, earn big You will build a business. There is a saying among Sindhis that such They say, God, please bear my expenses. Increase it. Yes, so that I can earn more. expenses If you increase it then only I will earn more. Because the expenses are greater for the one who has Like that's what I heard this my From the big people. Which is true. means before today's time When my father was spending his money He is spending more than his grandfather. Were. We So it is not that this thing has changed. Meaning, if your father makes three new babies in a year Used to buy clothes. Maybe your grandfather was a He must be buying new clothes. I could not learn this money. Well, right now I am very happy with my grandfather and father. Blown too much. I'm a spendthrift. Am. But I have other friends of my age Who are probably at the same income level. I probably don't spend even 10% of what they make. I could do it. friend, it depends because you have never It was not his whim. You don't even need To save yourself from the expenses. For me this is a mental blockage. We give it to each one. I spend this money somewhere else yes. I like to go on adventures. So in this case you will have to spend more there. But This is it for me, friend, what do I consider myself to be? I am telling you about myself. Right? What I keep telling myself about myself. How I describe Keshav Inani in my head. Or that Keshavni what is in my mind and until In my mind, Keshavani is the best person in this world. India's biggest businessman will become Till he builds a big business, he will remain Keshavani. He will take it even if it takes 10 years, 20 years or 30 years. It may take years, but if God is kind then it will happen soon. will go But that will happen and again this is what you Need to keep telling for yourself. And all People say you are for the stars. You Land on the Moon and at least on the tree top. which is still way better than from the place Where you are. So that's what you do. Yes friend. You always am higher. what's something That you do? What do you do that something Will the Marwari community hate you? Dude, I spend a large part of your income on I will give it to the stakeholders. So if I know that I have x There are number of options. And I Can Save Cost In these options. But I think that today if I Give your stakeholders a bigger piece of the pie Give. For example, if there is a deal Where I have entered into a partnership with someone with off financing that friend of mine ko this I want an order, please pay me ₹1 crore. I am going to earn ₹1 lakh in that order. What do typical Marwari people do? he that Only ₹ lakh of the order was given to the other person. Are. Keeps ₹8 lakh for himself. And that from ₹ lakh The person in front is also happy. But my thinking is that Friend, if he gets it roasted then give it equal amount. That person will be happier. As long as your Your stakeholders will be happy, right? There is no limit to doing big things. Because Those stakeholders, you and other people, and other people And people will keep referring. And that will Always make you successful. We It is not about earning alone. I think There is a lot of Marwadis in the beginning. Initially, it used to be that those people themselves wanted to be big and then let the rest of the people He wanted to restrict. to me I think friend, you should grow up and have five Go big by taking on six more people. These five or six People will never leave you. True. So I think Marwari Community My Marwari Community Address No, my father hates me a lot. That they say, yes friend, why should you give so much? Why are you distributing so much, what does it mean? Is It doesn't make any sense, but I think Man if you are fair to the other person God Are you watching? We and the Marwani community have created such a What did I teach you that you now think, brother? She was a genius, man. Scale Whenever these people used to talk to each other, These people did not care about you or me in business. Wherever there is a little help to each other If I could have helped you there. Beans The thing that is in the founders of Bor. means this Not in the Marwari community, I have seen many Rarely have business owners seen a Let's help others. Very bored It happens. You can go to any founder Ask me friend, I have to do this. For Example A: When I said that I have an ex Get me connected to the man. All the people in my circle that X guy All of them were also in Plus One Connect. Hit your hands and legs. Not everyone does this. this network The strength of that is that of the founders of Bor is in. Belongs to Marwari community. He is one Marwari to help others Bania community rather helps each other Are ready to do it. We Even if after that help the other person's If they get too much good, they get bad too. Seems like But that's different, but they always Help. Or and they are willin' to do something for the Community. That Bore Founders Are Willing To Do for Founders as a Community. Any The friend is struggling to fix it. For people meaning may not be it will be a Very big thing for them, man. if any I will come and speak to you, for example, when People new that I was coming here my Have friends who know you. They He said, friend, if you want, I can talk to you. I will tell him once that you You are my friend. It will become comfortable for you. And that's just really a big thing. Who has It's time, friend, that in front of me Help the one. True And without expecting anything and Return. We It's of no use to them if they If only he had talked to me or said anything. But They Offered True you know this you are so right. I did this I noticed it in Jeeto. Yes. I recently went to Sri Lanka. win The community is Jain community. All those people Everyone trades together. Give All All together. It Was Incredible to See That a Community For so many years, so many big businessmen together and helping each other Are. It is a very rare community that scales It is operating. I don't know India And any other community like Jain scale have been like that I did not read the use. Currently, vehicles worth Rs 150 crore I took a discount of Rs 20 crore because All of them met together and spoke to everyone They will give the target of the quarter in a month. This guy will book a car and give discount to everyone. distribute proportionately 20 crores on a car worth 150 crores Discount I He is very impressed with the Jain community when I saw that I went and won, it was so Incredible to see everyone helping on such a large community scale There are no other big businesses in India. Friend, many communities have their own Doing it at the micro level from the small level There are many. Jeeto has become famous today. Like my Maheshwari community. Maheshwari community also does this. But It depends on the number of people that Community. There are many such people in India today. Maheshwaris are a little less than that. if you If you see Gujaratis, they also like this thing a lot. Do it well. We But it depends on what is news. Which one comes in, which one does not come in. Zito GTO has shown the way. We I will never take that away from them. He has shown how things are going to be It can become better and better. But the rest of the people are also following him. Because people don't have issues with each other. To help. until their cut Everything that is happening is fine. At the time They are getting cut, that is the issue. As long as my I feel like I'm not able to pass it, friend. I am happy. You will call yourself Business Owner Marwari Business owner. Calling myself a Baniya and a Marwari Business Owner. I mean, I think a lot of people Nor do I get irritated by this name. Why? hey what Marwari Lala means many people if You can also see videos being made on Ina. How is it in Lala Company, brother Dhirubhai? Ambani was also a Lala company. Aditya Billa was also a Lala company, what? Is Lala company these are baniyas right up Take any big startup today. But people call him Lala Company Bhai. The founders are Lala, they are Lala. Those who are taught business from childhood To whom it is said that brother, if you spend ₹1 If he does it, he will earn something from it, right? So it will create some impact. only two Things. I say it very proudly I am a Baniya businessman. I am a Marwari I am a businessman. Why do people get irritated Lala From? Man, they think that people are very They are typical. Right? because the oldest Business Also because of Bollywood. They Marwaris were made only money lenders There is a fat Lala in that movie. The money that sits with the belly, with the hat He is taking it and lending it on interest. Right? But that's not true. India's Biggest Businesses are made by Marwari people. Right? And they have been always thinking it of the Time You Could Talk About Atake, Wright Allen Who is bigger than the institute? BM Sir Marwari Baniya Lala Lala But Can How many people has he made till date Akash Same Haldirams Brothers $10 billion It's a company, man, they just bought it for $50 billion. Sold his stake 5% 10% whatever $ billion How did Grandpa become a man while sitting in a shop? I was making Bhujia but they focused on scale. Getting Right When People Say Baniya Businessman They don't scale, that's wrong, man. Because when they call people baniyas And people like to keep It That Way Half the fault is of our Bollywood movies, the other Half the people don't recognize But maximum number of billionaires in India R Baniya is a Marwari Friend Anil Agarwal Sir, right Dheer Bhai Ambani Sir Mukesh Ambani Sir Gautam Adani Sir Marwari Baniya Gujarati It's It's All The Same communities that people used to consider meaningful How will you do it with these people? Traders And people were irritated with these people because Because they would mix anywhere but Still he remained true to his culture. Why do you get irritated on this matter, friend? Can Be One of You Guys Without Having to Do what you guys are doing right means if someone I am not eating non-veg if everyone eats non-veg. I can still stay without eating Non-veg still be a part of that circle Which is not possible for many people right Meaning, people could do anything for business. Marwaris were the most adjusting people that Comes on the geography from Where They Come Right Rajasthan Haryana ah Gujarat all this Place Environment Was Not Always Good Right Meaning the soil was not fertile. Inside, friend. meaning they had to travel and they We invaded the most number of times. We But every time they came back. give me some time Came back. Rajasthan was just sand. Today's time But we say all this happens in Rajasthan. Is. What used to happen at that time, friend? There was no water either. But People Started Living. They Learn Living the Fragile Way. People call him miserly. But not to me It seems people are miserly. Not Frugal I am a Marwari friend. People value themselves I know it. You are attending a Marwari wedding Go. You tell me Marwari dates From Why spend so much on marriage? Are? My family is also from Rajasthan. Is it? I am from Bharatpur. We We are from a village near Jodhpur. Are. I mean my grandfathers lived there Truth is that some of the biggest businesses Sense in India came through these people and it Came Through the Hardship They Have Lived Through. They know me, not just their own I have to set up families for other people also. Right? That's why majority of the Marwaris Businesses are family businesses. today it Might Not Be That True A Lot of Younger Generation Has Gone and Created Legacy Business Right Here You Talk About Lens Cart You talk about Ola oo oo means friend what is it today you brand Looking at him you won't think he's a businessman. It is a brand because it scaled so much. Lala is not a wrong word but people called it I told you half of it is Bollywood's fault. that they do not mind Lala also means that this business is owned by one businessman. It will only revolve around those who are there, that is More Lala Right that no one can decentralize There will be no approach. Someone has rights There will be nothing to give or any decision to make To take. There is a central authority. the same money Will approve. The same business plan is approved Will do. He will do everything. Follow him. But I will tell you that's what, that's what Ficus religiosa. That Is Family Business Today. Right? There is a difference between a Marwari Businessman and a family businessman. We Family Businessmen Can Still Grow Big If They have invested in the right piece of Capital. Right? If you look at some of the Biggest Family Businesses Today, They Are The Top Industry Houses of the Country. Right? Jindal Steel. As I said, Anil Agarwal Sir Reliance at the same point of time they are Also, family businesses were the next The Generation Is Not Able to Do What They Are Doing Freely That Depends on the Individual to individual irrespective of what he is Marwari O Not means if a man thinks that My next generation should do the same business Like I have thought of it. That Company Is Then restricted. Then there every 10 lakh He himself approves the transaction. Will do. Versus Someone Who Is Believing Ya Let's scale mine. Let's Get someone who is better than me who will do this peace I Will Trust Them But I Will Still Guide And mentor them. But unfortunately people A Stringent Traditional Family Business Those with mindset have been considered Lala Company. Being a Marwari businessman vs family Being a businessman is very different. My Family Is also into business. I am not doing That. My team today has maximum number of employees anyone has ever seen in my Family. Right? And I don't mean my friend My father had his own house in nearby Bor. Made it, made a car, made everything. But my Papa only had five people working for him. Are. That is traditional business. Where But they know they have to work on this scale. We have to do it, we have to work within this limit. their This is the restriction. But they teach you ethics Of business through which you can scale. They would have scaled it for their level. I mean, maybe when they started They won't even have a house. So he I developed this skill for myself that I could build a house. I will do it, I will do this, I will do that. His dreams end there. But When You Come From That Kind Than You Dream Friend, now I am home. Now this to yourself I want this, I want this, I want this. Right? So I came I am very proud to be a Marwari Businessman But I Am Not a Traditional Family business. A traditional family business Where even the youngster struggles. I know so Many family businesses were youngsters Complaint friend, if only my father would listen to me Not there. They feel that what they did That is correct. Of course that has earned Lots of money. But If You Are Not Willing To Give Responsibility to Others That Business Will die. But why do you think that family Businesses are unable to change themselves? A lot of it because people don't trust the Next generation. And people would have made that Wealth by Giving Through a Lot. So from them he It doesn't go away. If I built a business This is where I made a lot of money. Our Earned in this way. And today if the next The generation is saying that they need that method I have to change it. I'm afraid that money It will drown you. And I am not able to risk it. That. But that's wrong. That is what I am totally against. Buddy You earned 20 crores. If your son is a He will even lose crores. You will earn one crore in two years. You will earn. But he was so much in loss of one crore. You will learn the same skills this much Bigger. Do you think you will learn. 100% failure my friend There are some people that They are the same people whom Papa I keep telling you, son, you do this and that. He has been doing this for three years and has been able to Think is gone. We Right? Meaning they don't want to think for. You No I was I was reading a stat that PwC's 2025 stat was that only 3% of family businesses innovate globally Are. The rest do not innovate at all. They We keep doing the traditional things that have been going on for a long time. Are. That's Why They Keep Dying or But There Is a restriction where the elders and the Family has that responsibility. I don't Think it's a child's fault. Dude, if you You won't let a guy do anything on his own. You will tell him that son, you have to do what you want. I am calling. He will never learn. End The Ultimate Truth of Life is the Elder Generation will move on meaning at some point of the Otherwise they will become old right some people might pass away do this do that and they will get body Restriction Right Health Restriction whose Because they won't be able to work, but if you For the first 10 years, I have only told the child that you If you want to do item A to item C only then After 10 years, he will get used to my I just have to do A to C for this You don't have to do it up and down and that's when you Dye And That's Why Most of Them Are Dying Of course even today that's why I am Against family business. I think it's Disguise Unemployment While Few Family Businesses Now This Could Be A very catchy statement. I could get a lot Off to bash on it. But 80-90% of family Businesses in India are disguised Unemployment. This Is the Place Where Ya There are eight children in the house. All eight had to do that business Put it in. Friend, just look at it. that business Do I need eight people or three people? Three Papa and his family were running that business together. Papa and two uncles are running that business together. Were. Now he has eight children, what are they, even eight children? Will you run the same business? to expand them Dona. Where there is a place for three, if If you make eight people sit, there will be clashes. We Why can't the family members trust me then? If you can sink one crore or two crore Man, they are scared. They think that My son is not capable because I He has been brought up with a lot of love and affection. I told him I did not see that world which is dirty I have learnt it. This is called not I mean If You Ask Me says it when you're born Kar means when you are having a child You are raising them as the best in the world, aren't you? Heart Rules is not even showing up. You You have shown them a dreamland. Right? How can you show Buddy? He is a big businessman of Surat. Dholakia ji. I don't follow any of you guys For the story. He is so rich that He gave cars to his staff many times. Yes, flats have been given. But at his house As far as I have heard, the rule is that as soon as When the child turns 14, 15 or 18 years old, he Send out for one month or three months It is given to live on our own. And he is Given early like ₹1000 a month or something. The child who lived in palaces for 15-17 years Those who have seen this thing for 3 months only To survive on ₹1000 a month by doing odd Jobs Now That Is Exploring Him to the Real world right he has a son I think And I read the story I don't know much of it True, but how much I know about it It's true, he probably came to Mumbai or somewhere. He worked at a tea stall. I went and delivered tea from shop to shop. But he also teaches them so many things, right? That the customer abuses, this is not hot. No, he is not, some people say ok chotu tea good a tip right and that Tip money also matters to them. That is exposing your children to this. The Issue Is Because the Last Generation Saw a Lot Of Family Businesses Make It Big Not Very Big But Big For Themselves. They wanted to keep their children comfortable Zone. And in that he had this, friend I went through so Much hardship when I was young. my child Should not go. But they are not realizing Because of that hardship is where they have reached Today. And if you keep the child in that cover So it will remain there. I am like my father, friend My father never gave me comforts. Given. Meaning, he took me by bus. I school Sometimes 2 km from had to walk home Was. If the bag was heavy then I did not Have pocket money for the longest period of time Time. give me an account of every penny Had to. I remember 10th standard I did not take my school trip to the US. It was organised. And all my friends had gone. All JN All the Marwari friends had gone. And I my Went to Papa. Papa Do ₹70,000 US I am going on a trip. My father said loan I will have to take it to pay this ₹0000 For. Now my mother told me at that time I didn't even know how much I was earning. That's when I see, I mean when I cleared My CA entrance exam was taken by my uncle by mistake. She told me, friend, look at this in your house. You can see it through the will, now you get the work done by the CA. When he comes, I will realize that my friend is so I'm not as poor as my father used to pretend. But it was that day when he refused to I thought, friend, I have to earn so much money that if I go abroad then I I'm going to go in business class today my friend Maybe you're going into this, but I'll prove it. My dad said, friend, you didn't do it, I did it. Maybe I will show that revenge mode at that time. It was against Papa. It happens, isn't it, every child When he does it, he feels that friend, I I will show you by doing it. He never owned a car Took. He could have got a high end car at any Point of time. He never owned a high-end car Didn't take it. Because he said this friend is useless Don't spend. A lot of people do this Are. Many Baniya and Marwari people do this. That they have a lot of money. But that I keep it with myself. He doesn't show off Do. They don't show much. have you ever seen I can't tell you how many people know this, brother. No, he is a man worth so many crores. This way Why do you do it? his logic Why Do They Not Like Spending? no it's Not that they don't like spending, but they Want to be able to adapt themselves to Ery condition. Today he has money. tomorrow if If there is no money, because those who have that much They all have money, they all did business It happens. End is another name for business Risk. Right? So your family's lifestyle Keep it at the same amount as if tomorrow your Even if you don't have anything, you can still sustain it. Like you said, you were nothing before. Were. If people are feeling bad about you today, You will be fine anyway. His logic is this That was it, you didn't care. first also you No that you're in a spear. of this spear As long as you are inside, you are comfortable, you I never brought that thing to my mind. Right? You never let success reach your head. So, You Didn't Care About Failures Today Also. Like While It Matters But It Never Breaks you. Their logic is that as much Don't give any rest to the other person thinking that tomorrow If things get difficult in his life, then this Lets do it. And most of them do this for them Kids. If he wants, he can bring as many family foreign You may want to go on vacation. But that We don't go for our children thinking that tomorrow If my child is going through a bad time in his life When he comes, he should not feel that he It is a failure that his father raised him so much. And he spoiled them, they taught them to live with them. There means and remember this thing in the life He is living in style. They Save enough money to last them for the next two years. Generation by maintaining the same lifestyle It can work. By maintaining a larger lifestyle And it can run after maintenance. So this to them I think my friend means my child will never You will not be depressed in life. I have so much He made enough money to afford this lifestyle. will maintain it and if he has a lot of money If he earns, he can improve his lifestyle. I will take it but at my own expense. So let's plan for two or three generations. To the brain. Because they haven't seen it, have they? Thing. Today's Marwari Baniyas also think the same. Those who are of my generation I think not. Because today's time But people of my generation want To come out of these clutches. Right? It's Again That rebel that because Papa is speaking So I won't. Even if he If I didn't spend it, now I Now I will do it, friend. What does it mean to earn money if it's in the bank? to keep it Now I don't know if this thinking is correct. It is wrong. There is no justification for this Is. Everyone for their own. I myself am also very I spend. But that's why my father does We give. They say, son, you are earning. You do it. Yes, the day you don't have any income I have enough money to give you two meals a day. You can eat this bread and you can live. As long as you are working hard, if you want To Earn Out Of That You Do It. I get scolded. still I still get scolded. scold me So they say that you are earning. Very It's a good thing. I was just telling you this morning that Look, these are the numbers. my last month These are the numbers for this month. I did this That was done. whatever and then their first How much is it costing? I said Hey, I am telling you these profit numbers. profit How much is it costing? Home And I still get scolded even today. what need Is? What does it mean? Why do it? Anything I should earn, no matter how much I do? But that's the Right thinking, right? It seems to me that If those people had not scolded then our people would have scolded us. They spread out. That's right. Because of his scolding I have reached my limits. They are spread but they are spread within limits. It didn't spread the way it should. I am telling you. Right? So, I did one more thing I realized it. Parents never praise In front of the children. I mean, my father has Did not praise me. behind my back Will happen. I have heard that people have come Your father said about you You say very good things. I said that My dad can't be if about me You're saying something good because That's the rule of the house, isn't it, friend? You will start getting respect in your home. You think you are the king of the world Yes, so you didn't become a lawyer. If the lawyer is not available then it will be for me. I don't think we can make it the way things are. what is Those who are Bania Marwari What does one know that even MBS knows? would not have known Man, they know the value of money when You do an MBA, you are taught How will you do marketing? How will you do this? How will you manage human resources? There is a fundamental concept behind everything. How will you manage money? that if you have any You also want to do business, you should do that business at the lowest level. How can you maximize your cost? yes. Even If It Is Not the Most Efficient They. You would have heard a lot of Marwaris Businessman in the Early Days. Do all the work yourself We do the same. But he does it himself because today The business is not on that scale and their He has extra time to do it. And When they become scale then they also They hire me and say, okay, you also come, you also come Come, you also come, but MBA teaches you How can you specialize in one area? If you are doing finance then finance But brother, how can I become good at finance? Sales should also come to the seller without him. Will a Marwari or a Baniya do business? Inviting his son to every function of the entire business He trains. That train in tax also Does. I saw your book. Right? Inside it was written what are things that They don't teach in school which lasts all People said right? Build on talk in that There were majority points. No one paid taxes Told, no one has health insurance Told, no one has life insurance told. These were the common points. Yeh Yeh Nikhil to your points and whatever People wrote, everyone generally wrote the same thing, friend. These three concepts should be taught. Tax, Insurance and Health Insurance, Term Insurance Commonly. Baniya this thing Teaches from the beginning. The Baniya speaks Brother, I have to deposit so much money in PPF. Only this much money can be invested in health insurance. Are. The tax will be this much. Tax Compute How it will happen? Hmm And maybe he will not know all the income tax Rules but he will tell that it is a partnership firm So the profit will be 30 taka, if it is a company then 25 Such balance will be paid to the sole proprietor How to create HUF account? A separate exemption will be available in the account and this No tax book is required for the item. falls Since childhood, the most They are taught that after 10th. They are shown, friend, look at your home There are so many files, this is HUF, this is this, There are so many PAN cards, so there is a lawyer there. Sir is more respected. But what does business teach about mindset? Yes, it is simple in your house. If you are any You are doing business, you have to have a market in it. To capture. That market is the whole of India The market doesn't start from scratch. As Nowadays' statuses speak. speak first You have to become the head of the region. again from the region You have to become the head of the district. From district you have to become a state member. After the state, you will target the country. We And everywhere you will grow your business in such a way that your This business should not be shaken. for example My father's family business is our textile Is of. Right? So we went to a place in Gulezgarh. The villages were like the ones near Badami. from there My father did the first expansion. Salem. I have an elder father whom we Babuji says. Un Woh Salem in 1997 Shifted. Now when we shifted to Salem, my father He told me the logic that whatever Guleshgur is made of The Salem office would run on that income for the next three years. could sustain without changing the Lifestyle. We So he said now is the right time. To expand. Then in 200, Salem Later he opened the bore because he said If I can earn money from Gulezak and Salem for 3 years Even if I don't earn in the bore, our There will be no change in lifestyle. Izent This Exactly What Growth Is Growing From One Place to Another But isn't it slow growth? But That Is the Time When Capital Is Not Available no this also no risk growth today Is your father not my father successful? No, friend, those people mean friend, our village He did not start with education Today he had taken his four children Someone got him admitted to Bor's top school. Made me a CA, made me this, made me that today Come to weddings and you will know. Who is called success of some company? He spent the seed round on a wedding. So, they always invest and diversify. Invest de diversify de invest jitna The gold traders must have bought it, not me. I think some other community might have bought it. I have seen such Baniya, Gujarati, Marwari, Jain all You will combine people who are business tycoons. The community is You know what I feel one who is a business family If you come from and you know that you are Sindhi Family bolo because my family is like that So Baniya family, Marwari or Jain, whatever All the Business Community of India Joe Bines Family of Community of India I think these people teach something like this Some are MBA, some CA, some school, No one teaches anything from Harvard. Atleast At the time of when you are learning it. End That's what these people teach you. Managing the Invisible Balance Sheet. And invisible balance sheet means trust, Reputation, respect, name, relationship. These It happens from day one and the rest is on the books. The numbers will appear later. The name must be bad. First name not bad Should be. Relationships must be built first. You You will stand up for the people at all times. You have to win trust first. And this is so much is encoded in the brain If you think that your name has been tarnished, then It's over. You operate your thoughts through that. You You operate with that mindset that friend I have this right way. to me Respect, relationship, name, trust, this is Needed first. And this becomes by default in the mind. And that's how you grow very fast. He It becomes a parameter of success for you. Right? This is how you think about success, friend. What is the market thinking about me? We You don't think how much I can change the market. I can disrupt. But now if you If you are the most respected player in the market You also know that the rest of the opportunities are the most It will come to you first. Yes. Right? Yes. So you are very attracted to this. You. pretty much that if your name gets That this man will never deny his name. I shook hands with him. any contract Not required. paperwork yourself It will happen. the amount of donation due to him It is very difficult for you to get business. It is compounded over 5 years, 10 years, 15 years After a year, it is very late that I realize that friend Yes, we did it because maximum Places teach you to look at the net Profit Gross Profit Your Cost Your Sales price, cost price, bill, all That is very important, that is the basic thing. Your family members teach you as soon as they teach you, but Before that, apart from the visible, whatever The invisible part is But I have been taught this since childhood. Again and again and again. I think this is the point where Sometimes family officers send their children to Can't trust. because they think The respect they have given him The child may not be able to maintain it. because More Often Than Not When Someone Joys Family Business itself wants to do invention in that Business. We Right? If someone wants to start another business My family still says it's okay, friend. Meaning, if my family has a textile business It's business. If I do something in the tiles My family will give me money if I want. Because his name is not bad in his line Is happening. But if I did something in textile He did something that ruined his reputation. People are very scared. I think this too There is a reason perhaps children like it that much No responsibility or free hand given Goes under the same line of business. Do you feel that family businesses Yes because you work with so many people yes. He romanticizes the past a lot. Yes, they think that what happened 10 years ago There was margin in this business but today it is non-existent. Whatever we earned, we earned it. But the The fact is they are actually remembering the days when they work very hard and they are Feeling Good About That Period Hum unfortunately they don't want to die Children to Work That Hard But Without the hardship which is not possible Or Hard Work and Hardships Go Hand in Hand means friend, if someone works hard So he will also face setbacks, now his family members want Oh child, work hard but don't stumble. Lage Right So what will he learn inside the same board will keep playing Tell me the top three rules you learned friend if About Money first thing Your money should always make you more money. If your Money Is Not Making You More Money Than It Is Not right. Right? I mean, if you have money But you are sitting in the bank and if you You are not putting it in a good place. at Times Keeping Money in the Bank Is Also Saving Money But Your Money Should Make You Money. Right? make money money Money, money, the second thing you need to do is to market We have to command but do it profitably. We You can reduce your cost in the market by this much Give you the best rate in the market be able to give There is a concept of economics economies of scale We Right, every Marwari does this mostly Why does it own more items than He does not write his expenses in the books. He takes his own profit separately. But he would have scaled his business so much at that point of time he is able to give The best rate in the market to pay The second thing is economies of scale. You Put money into something that will economize you Will give you off scale. And I think the third The thing is that you may Learn management, friend. You learn that Money at the end of the day is something which is Intangible as a number. Don't Give It So Much Where It Becomes Everything. As you said, Marwari people Relationship, Trust, Name, Business, Market Size, Market Potential, Growth Factors will mostly pay two paisa things. The issue between a person who is doing a job is He is checking it at the end of every month. How much money is coming into my account? How much is my bonus? My incentive How much is happening? He never checks it Now how much his company is able to earn from him. Because the employee thinks my company is my How much is she able to earn from that company? There is always an asset for it. We But unfortunately 95% of the work force is Not that today. And They Are Not To Be Blamed. Right? But People who don't come from a finance background How can I learn this thing? Friend, learning is very easy these days. Is. I say if you have 10 Even if someone listens to the podcast, he will know Will go through the basics of what to do. Butt People Don't want to do it. People are afraid. to the people I think if I did this, what I I had thought of a life for myself because my He did not know that he would not achieve in life. should be able to. We How much EMI are people taking today? Today means I don't understand that concept, that Every person has 10 credit cards. Without Having the Means to Pay for That Credit card. People are buying iPhones On EMI. I mean, the iPhone is such a thing. Where you will buy it. But you will not buy an iPhone at the Age of 24 If Your Salary Is ₹0000 a month. Right? Meaning give r Fundamentals to know. And this knowledge is available Is. I mean, it's not rocket science. If I am earning ₹00 per month. Year If I am earning ₹4 lakh then I can earn ₹1 I can't afford a phone worth lakhs. I I can afford a phone worth ₹15,000. ₹00 I can afford it. May there be a Diwali I can do something else with the bonus. This is if Invest that ₹1 lakh in gold or something else. put any investment in investment I am not advocating any one line of Investing Right But People Need to Know That The issue is people know Because people have a life in their minds It's style, isn't it, when I was in college? I had thought about it in my first year of job. I will buy an iPhone in the second year and a car in the third. I will get married this year and go on a foreign trip for the fourth year. I will go but I came to know when I came to work, friend. , this is the value of money. I have to pay rent and grocery. I have to give it but there is an ideal lifestyle In Your Hand and That's the Lifestyle You Can't get away with Marwaris, Baniyas, Business communities. If you are Sindhi then No one knows better than you that brother, money If it is there then it should not be shown. Your lifestyle Keep it that even if you don't have money tomorrow, you Maintain it and move on. It is like that today Not at all. In today's time, people and people I know this thing, I've romanticized college. I have said that I want an iPhone, then I want a car, then I want this, then I want that. Maybe their heroes did this. Butt them this I don't see how hard their heroes work. Were. Today everyone will know about MS Dhoni's car collection. Look at his two-wheeler garage. I think what a thing it is, but friend, that The guy had a ticket, meaning he was a TT at a He had nothing at the railway station that day. He used to go in his friend's car. Cricket kit was not someone had to sponsor Him that and literally take him to his matches And after doing what he's done for 18 years is when today is able to have all of that And today I am sure all all all all all all All all all all of that wouldn't matter that much To Him Meaning But what did he already do after his Ranji match? Could you start doing all this? No. C This is logical and people know this. My point is why do you think take a minute And think about why people whose salaries Very few people want such a lifestyle. Which belongs to the person worth Rs 50 lakh. Yaar Social Media, you have that lifestyle on social media I have put it. You just on social media I have seen such things that every person has It happens. Earlier this thing used to happen less because It only happened in movies and you would know Tha movies are fictional. because you would you I'd always consider them to be heroes. Meaning Shahrukh Khan's Lifestyle Friend Shahrukh Khan He is, he will remain He is also in the movie It is in the movie only, that means it will remain, that means I If I see Shahrukh Khan, I will take a photo I will take it out but if today the person who is with me He studied with me and passed IIT in 2 years. He got a job worth Rs 50 lakh and bought an iPhone. He took it and posted that story on Instagram. I subconsciously put myself in I am comparing him to both of us, friend. We used to sit on the same bench, what did this mean? I got more marks than him in school. Dude when you're trying to cup so you Are only becoming better than the people you know? There is a league. Like you said you Be in a league of podcasters. Now that league I want you to be on top of the world. As You will become the top of the world, friend, if someone He must be one of India's 100 best podcasters. You will see an inspiration. he will say Whatever Raj did was right. means my Don't even have to copy it. And he will Respect you. Today if Mukesh Ambani sir Anant Ambani's wedding is worth Rs 5000 crore. The whole of India is not keeping an eye on him. People are saying that he will do it, he will do it. So is Ambani. Wow, that's so well done. But If the same marriage is with someone living next to them If you do it, everyone will ask how did you do it? Where did he get the money from? Well now he There is pressure on me to do it too. Why There's pressure in their heads, just f***ing comparing. No friend, who is not comparing today's On time? There will be very few people like you who The comparator will say, friend, it doesn't matter to me. It is to be better. But people are Constantly comparing their lives. Today and This comparison is not a new thing. This first Was from. I mean, maybe your fathers too. Used to compare with friends. But then The lifestyle itself was not so forward. Meaning My father used to tell me initially Reliance calls used to come in CDs. whose There used to be a waiting period of 4 months for this. Today you sim You can buy the card in 2 hours. friend when The convenience has increased so much. and first Flashiness is not that much because Mumbai You had no idea what was happening What is happening in Tha Bor. That when you When you used to come to Mumbai, you used to see the building, friend. This car is so big, you would think It was just a dream, that dream was to go to Mumbai It will be completed but what is happening in Mumbai today I am getting to know in real time which Is I still don't know what's the reason I I've been thinking about what you're saying many times. All It Makes Sense and This Is What We All Think why it happens and everything happens somewhere or the other. Sometimes we compare ourselves to someone or the other. Someone's time comes which weeks and I Think as you do your work As you get involved, you stop comparing. You go, that is one so Again, and there's only one answer, which I Also think is to do a lot more than how we Are influenced by the Western system today. This thinking was not there in India earlier. if you Would you like to go back 100 years in India? You will go back 80 years just after Independence. Right? People Used to Listen To Late parents. People Used to Listen to There Elders. If a child was coming to the village He would touch the feet of all the elders of that village. Was. There was humility. Everyone to their own It was spiritual at the level. Forget religious. Everyone was spiritual. Everyone is a good I was following the lifestyle. Butt Edge End When Westernization Started Coming Innu India and this was common in the West Dude, at the time of 2000, every guy in the US I had a credit card. Every guy pays EMI I was living my life. Every guy has that high seemed to. ET 40 years ago today Drinking was supposed to be a curse. If If someone is drinking alcohol, people would say Dude, this guy is dirty. He drinks alcohol. Today's That thing has already happened in time, if it comes Don't drink. I don't drink Eid. So they think of me as a friend, this party What will I do? He doesn't even drink. So now that you're influencing Yourself with wrong habits, wrong divisions, Your Ability to Think Properly Diminishes And it's a fact. when you mean I don't know if this is the right way of putting It. But as in when you keep incorporating Habits That Are Not Good for Your Body. Including junk food, including alcohol, including cigarettes and including Whatever, it plays around with your head, It creates a fog in your head. when that For comes you just think my friend Instinct is right and instinct is Impulsive Instinct Instincts Are Right But impulsive instincts are not yours if If you talk to any big man You will ask me how do I save money? Some guy comes, means any consultation The firm comes and says, "Friend, impulsive spending." Stop Impulsive Spending I want it at this moment but you mean after Six Hours You Realize I Did Need It Right, I mean even if I don't take it, I'm okay. Well, Impulse has become a lifestyle. Because I'm Having a Fog in My Head Where if I need it I need it and after I Get it, I regret it too, that. Now it has come, what is it now, I did not want it This is because the guy goes to the same office in a Mercedes. He is the one doing the job from 1 to 8. doing things and coming home and complaining about the same thing Dying under pressure but people are against it who has already made it I also think it is with diminishing peoples Mental Abilities Right to Think Very Clearly, that is why meditation courses are so popular today. Let's sell it. It's also I think it's because like our Culture is being created. First, because the big If the family lived together then shared There were plenty of resources. There would have been more money Was. So because of this, people are staying at home so much. There was so much comparison between us that we had to leave They used to tell me to leave and go out, what should I do? It's it's okay. end earners more There were fewer people who spent. Because what if there are big major expenses Are there? house car So it is going on in the common. Everything is going on in common. Four brothers are the same Live at home. Household expenses should be the same Went. Then Gadi Again is a family member at home. There are two cars for the entire family. So two That was all that was left. Now everyone lives separately Have been. now now in the families which is also started happening that There is no living with parents. You are not living with your parents. like this also Living separately. I know marriages are happening very late. So Individually, both genders have their own Capital itself has to create assets itself. So it's also very difficult to make more money. Like We Need More Money to Survive and Live a Good Life Today Than We Used To. Somewhere I read that even 40 lay an enum is Not Enough to Live a Decent Lifestyle in a Place like bore. And now 40 is big Amount of money. Right? But from the people that The guy is earning 40 lakhs and is still in the middle class. He is living a class life. that someone Not living an extravagant life. Because for him extra governance means It is what he is seeing on social media. Right? He is looking at some big man Is. I think Dekhade and Second just Just Creating a Fog in Your Brain by Doing the wrong things. Right? The Wrong Influence of Westernization If I Could Call it. But now that's changing by the way. There is a new data which has come up that Jenji Max Jenji R Preferring not to drink alcohol or sleep Are Quitting Alcohol More Than Millennials Drink More Alcohol Than JG So Which Is A great sign, this is another thing too. Today, your influencers are people who Indresh Ji Maharaj reads Bhagwat and so many There are people who are now becoming influencers Because there are Bhagwat Kathas even before today It used to happen. He was the father of Indraji Maharaj. Whenever I used to recite Bhagwat Katha, I would get more enthusiasm. Was. But today people are idealizing the truth Ficus religiosa. So when you idolize the people with Hum you want to learn right meaning and I am Not Talking From a Religion Per Se Right Don't get me wrong. But if that guy is saying You shouldn't do this thing Should not do. Jenz is believing that. And More You See That There Are Winners Who Don't Drink. Like it a lot in our country This is an example. Richest Family in the Country They don't, they don't do all of this. Right? Second they don't do It feels like a lifestyle imposed. is by the people who have not been able to make To show it big that by doing this, friend You will become big like I did when I I had just started it then I It was said that if you don't drink you can't Jail with people friend, if you apply tilak then you You won't be able to travel around the US today. I proudly say that if I am not Tilak I go to the US with my one or two Foreign clients say, friend, today you did that How come you haven't put your head decoration on? you have come means have you had your bath because You said only after you do this right there accept you And the cultists are going there Why do you apply Tilak? Friend, this is a family thing from the beginning. I think giving is increasing This proves that what I am doing is my own. I am not doing it for this, it's for a bigger cause On I can't do things wrong if it's my If it is on the head then it is one identity, isn't it? We Now that you have created that identity. If the person in front of you looks at you and gives you a tilak He will try to see if you are eating non-veg. Dude, even that non-vegetarian person hates you. What kind of a man is he? you applied tilak Is he eating non-veg? So automatically you Will Stop Yourself From Doing Things That you think is not right. Right? So This Is Your Anchor To Do The Right Thing. Just a constant reminder that I am not wrong, friend. If I do this then This is something much bigger. I am connected to Something which is much bigger. I am working S part of him. and whatever I am Doing is as a service. So what I'm doing is not mine. I have a master. Like you said, a There is spiritual power. He is a spiritual There is power. God is. God is. And what I'm doing is I am doing it accordingly. So I'm more wrong I can't do it. And there's another thing When you do this and go on to do something wrong Yes, people stop you, friend, you are the one wearing Tilak. How will you do it? So automatically you feel No friend, this is correct. I applied tilak It is kept. I can't do it anymore. Do you think Marwari has too much money? They are minded. No So why is there such a perception about them? Because He thinks only about money all day long. Galle He thinks about this. He keeps doing this. Because he is obsessed with his business. From. And this guy could be anyone. today you today you Go and ask Zomato. So Deependra dreams I would also be asking the same thing, how are you friend? What is this business going on, what is that? It's happening, everybody does it. So that is normal, why is Marwari infamous? Because friend, movies made it. I showed a Lala who gave money on interest. and recovers his fat bit stomach so I think it There is conception, but it's not bad to be Upset about your work I think it is the sign of success If You Are Not Obsessed With Your Work, You Can Not Be Successful Controversial Statement But I don't understand work life balance. I am coming friend. If you are doing business that If you like it, work will be a part of your life. There is no concept of life balance. To you You have to give ideal time to your family. To you Give quality time. if you are Spending 2 hours with them be with them for Dos to hours. Right? You don't need to have a day Give them 8 hours. Give me 8 hours of work. But The time you give them is quality time. Two. Whatever work you give to the worker, give it quality Give me time. People are so distracted these days. That's why it's called work life balance Needed And neither his work is good nor his life. Is good. People who have work-life balance It's a fact. You check it. I am just Like you. Your Work-Life Balance Is Good for People If You Believe in it. If You Don't Believe in It It's Not. So up to you. So to each their own. but if You have to do something really terrible. Do it and you think you have gold Want to win a medal in the Olympics Cannot be done. There is no lawyer ban for those who miss the Olympics. It doesn't happen. He will have to work hard. he has the option Not there. It just takes hard work. Only That's the goal. have you ever taken any decision that it is for community ethnicity Is it relevant? Someone took such decisions Example I have seen and I have also read researches that about 54 to 60% of people who are The community and the religion you come from Keeping that in mind, start your life Create principles and do business Are. Like I have a few friends who They are Muslims and they did not give money on interest. Yes. He doesn't do it at all. They get that profit sharing I mean I know them 10,000 times. crore 2000 crore businesses are very big but they They do not pay interest, they feel that This is haram, useless money No, their business is haram in Islam. He is haram And the same is true for my Gujarati friends or In this, my Baniya friends If there is no interest then it does not mean that they It would be fine even if he was earning Rs 1000 crore from somewhere else. And there is no interest of even Rs 50 crore. Those people can leave Dude, this is what happens, this is basically society's There is an impact, sir, this is the impact of society. This impact would not have been due to religion. You Whatever society you are in, you belong to that society. You put the mindset inside you. if you Coming from a society where point A It is necessary to do, or it is necessary to do point B Yes, you build accordingly. And this happens to everyone. And it is not Necessary a religious thing. But is it something that you do which probably Wood not no. Yes friend, if I think of many things This is happening inside a business. Where I Have to love someone to a big extent, friend Everybody lies in business. But as much as flour means salt should be mixed in the flour It's okay, you can't mix flour with salt. Those are the things that I do people say Dude, you have to drink for business right? It is very common, so many of me, so many of me All are cousins, brothers, relatives I know if we have a drink If he goes out, but I think he is mine No, I will not do it according to religion. I feel that I have come to you from my Guruji. He is not allowed. I won't. We I donate to my Meaning whatever you donate to me in that temple Is. I donate there Particular share of profits. because that This is understood by me. and at the same point Of time I have my cofounder for whom Education is a very big thing. We the people A Vanam Foundation has been opened where we A particular portion of our profits every year percentage and no tax benefit I don't take it in. No one registered I have done it. There is no trust. just a A trust whose goal is to support education. But that education is why I found support because they have There were many issues in education. He said, friend, what I saw in my childhood Don't give it to anyone else. Even if I Educate 10 Change 100 Rate Peepal and I have seen it since my childhood, friend religious Give donation to the temple and give it to your Guru. Do this, do that which is also equivalent Give it to the cowshed, do this, do that, then we Even today, we rely on our businesses And this is coming from Gulezgud. Gulch Cay Inside we have the temple and that's because It was the temple of the society, it was a rule of the village that Every person 0001% of his sales He will donate it every year to that temple so that Ki Seva Chale It Was Community Driven We instilled the same concept in our Said it was not about turnover but about profit. There will be a particular share which will definitely go So this thing comes from childhood that you decide You do it friend, you will definitely do it whatever happens And for some people it is for me it is me Temples for my cofounder, it is education. But I feel that if we are not doing There is no benefit in doing this than business Buddy. You Have to Give Back to Society in One Form and the Other. So many people on the basis of ethnicity on the basis of culture, on the basis of religion Pay, such rules form on the basis of society Let's do which are really really Incredible. But that's why that society is running. Today anchor Today, friend, wherever he may be, he is with his Sikh brother People are those people, any kind of people You can go and eat at the langar today, I will go and eat. I can eat it. If I am not a Sikh. We But it came from somewhere. means this is a Tradition That Is Flown. Every society is I am not able to do it. But God has given all Societies were formed in such a way that everyone could live together Are able to exist. If someone wants interest, someone else wants interest. Don't want it. If someone provides free food If it is there then someone is giving roof for free. Any He is spending on education. so to me It seems God has created his balance everywhere. Let's go. The system he Yes brother, this is your work, this is your Work, this is your work, you keep doing it. So I think whatever little we do is only it's it's actually gods wish I mean at the And day it's all a Supreme's wish and you are just a way to fulfill it do you also Feel cultural framing is also very important like the way in your society or The term of business in your community It happens that somewhere or the other that value gets created. Is. Like I was I was reading about it And I found it interesting. I don't I don't know how true this is, it's right. like neither The Gujarati community talks about business. Is. The Marwari community is involved in business She speaks. which is mostly Punjabi community That is a jugaad, become a jugaadu, that is a jugaad It has to be applied. Meaning of all three if you look At it is a little different. And you will see the same So somewhere in long term business, he Business Value 100% because you have learnt that thing since childhood No friend like it's just but all three houses There have been businesses. Taxes for all three profits Have been. Like Let's is different from Dhandon Wala Is. DNA Yes, DNA exactly like that of the businesses DNA is wealth. Creation that somehow wealth is preserved Create enterprise value by doing so Behaviour is mostly about rightness in the right way so I my trust and Rightness will do that for me Even though I earn a little less, I will continue to do the same. I will earn more respect for myself in this way dearer than anything else to me Value so much higher than enterprise value There is no jitni and then jugaad is more kilo Get the job done, get the fit ones done. Yes, a right friend is the one you You have seen it since childhood and that is the right thing for you. She goes. Like you said, you and your parents I am very inspired by him. Right? means you You eat prasad every Tuesday because at home It is made on More of that offering for you Whether it is relevant or not, it is the biggest relevance. If your parents have been doing it, you will do it. Yes. Like my dad doesn't need non-veg. So it's the only thing I don't need is non-veg. These So everyone eats it in the Sindhi community. But When you have seen something since childhood, right? Parents are your first guru and first God. Subconsciously, every child wants to become Like their dad when they're young right give them Think that my father is a hero. To you You might remember when my father was on a two-wheeler. He used to drive it properly, sometimes with just one hand. He would leave me to do anything. So I At that time he would hold the two wheeler and think Wow, I have become responsible. I I am handling the car. Right? And that The feeling was very good. Yes, yes So for me, my father, my uncle They are my heroes. I learned from them how to keep the house How to manage living in a joint family How to live. So what he did was my DNA I came to the conclusion that business is built like this only. Can. You need to fix this in business Is. After that you can do anything. After that you Scale it any way you want. Today if your Reliance Talking about it, whatever Mukesh Ambani sir does You are there, a big name in that, Dibhai Ambani sir. What will happen? I am sure he is in every meeting He must have sat and thought, if he were my father, How to take a decision about this and how to They must be taking decisions based on risk factors. Because he was a revolutionary, he is now Revolutionizing the Next Piece True And I'm Sure His Children Will Follow The Same legacy as my father, how much risk is there on this? I would take as much risk as I could. Right, so this and this in every community It happens. you go to a h you a Go to the Muslim who has been following him since childhood They believe in whatever they have seen at home. That's the right thing to do, man. For because the exposure to everything else is Just So Low and They Don't Want to Compare And become right. What is happening at home is It will definitely be right. That's why I did nothing Have found some. So that was my last question to you. Tale I am your worst financial mistake that anyone can make. Should not be repeated. and you learn it the hard way. With me in 10 days I trusted someone And I transferred some money to them. Assuming that it was a shortcut way off Getting more money. In the back of my mind, what was not Possible but in the greed of that time just to Build Something Bigger I Took That Shortcut and I hurt it, till today that money has never been returned Came what was the explain 3 crore tell me situation friend what a promise we have we have when we people when we People started the company with the initials A We like everything we Needed capital right, we have capital for Dept. and Equity we didn't want to raise. So we People wanted to raise the Dept itself. So at That point of time they lot of the scammers Hu come and say friend we know this bank Are. We know that bank. We are like this We do. You do this, you do that. To you You will get capital. And some bankers are also mixed with them. Then he is a Deposit money into the account You will have this from this account, like this Will be done. And they charge your service fee for It. And that transaction never materializes. It doesn't happen. But you should have got Rs 3 crore. You Why did you put it? No, he was going to give 30 against him. Because that was for depositing and He also got the paperwork done properly. He got everything done and then in the end he He said that this cannot happen for some other reason. And the fee was officially refundable terms end conditions and was non-refundable and it It was ₹ crore but did not come, it was very early For me 3 crore mental a lot and today also It Means a Lot Mental a Lot Brother, 3 crores is a huge amount of money in today's time. It happens but we lost it but came back after making a case No Dude, there's something legal inside him. terminologies because we I hadn't read the contracts, it wasn't We were in a hurry and we realized that We have made a mistake. We again at that time But I thought how to overcome this mistake? We people From the next day onwards, it seemed that now we are 30 How to earn crores so that they don't pinch us. So I think that is where my baniya is again insting sale that when a thing so big There is loss, there are two options. Or So you sit there and cry for the next 3 months. Either you make some arrangement within the next 10 days Sit like this, do some business like this, something Do some overtime, get some opportunities like this Scale it down so that it doesn't pinch you that much again. Do. My friend will pinch me all my life. But Regret should not be so much that friend you You can't get any higher than that. But someone scammed me legally. Did it. Many people do it. Like legally you couldn't do I will tell you there are funds in the US that Give you a term sheet and ask you to deposit Funds and the Term Sheet Never Materializes. My Friend Has Got Scammed This Way. give call To US. There is a proper VC fund. These Whatever happens, happens. And things happen. I have learned all of this. Now it's cyber Crime has become so famous. when we the people It was not that much when it happened. At today's time Such scams may have reduced. Butt Digital Arrests etc. are happening even today, friend. How much is the police trying to teach? Everyone. But these things do happen, friend. Legally Scam There are many people sitting there who want to do it. many people Sitting like this, the fees that we had happened to that we had a consultant in Dubai The one who said we will set up your Dubai business I will do it. They will do this because the people who are in Dubai Know about Vahan Pay First Bank Account It is a very difficult thing to open. So people, we They charge money for opening a bank account. It Was a very new concept for us. We Paid That Guy and nothing happened. And in the end he He said, here is the contract. of the contract Pay the money for 12 months as per the calculation. We have 3 contract termination within a month tried. I said I will provide service I am trying. You don't want to take 12 Give me the monthly money. Otherwise we will go to Cups and We Will Insure That You Can't Fly out of the bye. Then we have to Negotiate and Give Him Whatever Funds You Have to give up. People do this, man. But From this very stumble you learn to build a big business yes. Right? every such opportunity that you Get Stuck With You Have to Realize That Something Bigger. Interesting. So Day One Question and The solution is to ask your cell a question. Is the shortcut correct or not? Yes If it still feels right Even if it's not right, it still feels right. Read Contract Take Opinions Pay 10,000 take opinions from people and don't BS to paid as ever Man, mistakes have been made. Dude, there are so many legal contracts How many things did people that's it's it's just incredible Every day I sit with so many businessmen Am. They just tell me that legally they Signed something like this in the trust trust After reading it, she missed it and went away. And some can't do anything else. I can't do anything, friend. put it put it. You can't even file a case because You didn't sign anything. It was refundable. It was non-refundable. What Will you do it? Man, things like this happen. But then you You learn. You get better from that. Because Today, I blessed him in that too. I thought I might lose Rs 30 crore. Was. It's good that only Rs 3 crore was lost. God Showed it in small. 3 crores is yours I have the guts to save myself. Maybe there won't be 30 left. Get. But yes, the lesson I learned from this Learn is with every fallback you need to come back Harder. You have to think about why that mistake happened happened and rectify it. But don't think upon That mistake for more than a day. think that now How do I recover it? from that angle No, how can I earn from somewhere else? So it is to earn No friend, money. There is no option. Yes, if you have to go then how do you move forward Will you drive? Truly done. Thank you so much sir. Thank you. It Was pleasure talking to you. Where to start Did? What did you do at which age? So I became a CA at the age of 21. Articleship was going on in KPMG. I Learn How Big Corporates Work. I Learn How big businesses are built. I Learned What CFOs Think Into. I mean, how do you do things? Yes, how do you do it? And there I learned hard work. Meaning We used to work 16-17 hours a day at KPMG. And we thought this was life. Meaning Everyone works 16-17 hours in life. Is. Thank you so much for watching this episode till the end. For. Now you have to do three things. To all First subscribe to this channel. The more you subscribe, the better We will be able to bring more valuable guests to you. For. Number two, tell me in the comments. What did you like and what did you think of the episode? I felt dirty so that I don't repeat those mistakes. Could do it. And who are the guests that you Want to check back on our podcast? So that we can bring them and give you more Be able to give more value. And number three this Please share the episode with someone. Because One Conversation Can Change Somebody's Life. I will see you next time. Until then keep figuring it out.