Two hobbies of mine are running (long distance like the 10k and the half marathon) and cycling. Now long distance running and cycling are both endurance testing rather than speed and strength testing.
However, I need to increase my speed – so that I can finish in decent time if I enter a competitive race.
Now the way to try in say cycling (principally it remains the same in running too!) is to say
– let me get a new Canondale Road bike (Rs. 100,000)
– get a Garmin (Rs. 25,000)
– get new aerodynamic clothing
– get new pedals
these are sub Rs. 10,000 items…but yes all of this will total up to a decent Rs. 150,000.
Once I have signed those cheques I can sit back and hope that my cycling speed improves from 20 km /hr to say 25 km/hr over a 3-4 hour period. Not bad.
Similarly while running I can buy a new Adidas or a Nike shoe, blah blah….
Once I sign the cheques I can ‘hope’ that my speed improves. If my speed does not improve I can blame Garmin, Canondale, Adidas, Nike,….wow the world is available to blame! So good.
However, sadly the real (only) thing to do is to cut down my weight by a nice round number of 10kgs. That will work like magic. Easier said than done, but that is the solution.
However it is so difficult to do (knowing is 10% of the solution – somebody who told you that knowing is 50% was wrong!) that one seeks solution outside of one’s body.
Similarly in personal finance – there are simple solutions, inexpensive ones. However most people I meet want expensive solutions where they can blame the solution provider. They do not ask themselves ‘If subra says this, will I do it?’. Will I get up in the morning go for a walk and have a healthy breakfast?…sadly the answer is no.
Lead a simple life, eat simple food, have good thoughts….no Subra we need Futures, Options, Private Equity fund, Some real estate Pms, – SIP is for my secretary, driver, peon….I have a networth of Rs. 3.5 crores…I am a rich man.
Hmmmm no comments. Have your fun.
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