WEBVTT 00:00:01.520 --> 00:00:02.132 Okay. 00:00:02.132 --> 00:00:09.304 So thank you Sunil for joining me today to start off with tell us a little bit about yourself and your background. 00:00:11.408 --> 00:00:17.274 Or like what what kind of work were you doing before you know pursuing financial independence? 00:00:18.869 --> 00:00:32.674 Yeah, means basically I started too early like you know means because initially basically we were from middle class and I was very much interested in sports in my childhood. 00:00:32.674 --> 00:00:46.680 So very early like at the age of 11, I realized that I need to make money because without money I cannot buy what equipments I want or you know if I want to dedicate my time to 00:00:46.680 --> 00:00:47.700 sports. 00:00:48.127 --> 00:01:01.226 because I always thought that I have that capability and interest to you know become one of the very good sportsmen but that I could not do it because there was a limitation of 00:01:01.226 --> 00:01:15.966 different kind and that created the thought in my mind that okay I need to make money and I immediately implemented on it so I went to some shops because that was the easiest way 00:01:15.966 --> 00:01:16.706 to 00:01:16.968 --> 00:01:17.968 get the work done. 00:01:17.968 --> 00:01:20.079 It was like utensil stock. 00:01:20.499 --> 00:01:22.279 I worked for them. 00:01:22.359 --> 00:01:29.061 But while working, I realized, you know, this is not the way I would like to trade my time and make some money. 00:01:29.638 --> 00:01:32.662 So I thought deeply on it. 00:01:32.662 --> 00:01:40.583 And luckily, I knew one person in that time only, who started software company in Pune. 00:01:41.204 --> 00:01:46.865 And somehow he was coming to our Dandiya program and also he like 00:01:47.003 --> 00:02:01.755 me a lot so he invited me to his office and in that process because I knew the typing he gave me some data entry work and after doing the data entry work at that time the money he 00:02:01.755 --> 00:02:14.825 gave me was huge amount for me you know just by doing data entry and I could buy my first cycle with that money you know means and buying cycle at that time also was a big thing 00:02:14.825 --> 00:02:16.816 you know at the age of 00:02:17.000 --> 00:02:19.700 around in between 11 to 12. 00:02:20.000 --> 00:02:30.140 So that's how it started, you know, means about thinking about and creating money at that time. 00:02:33.234 --> 00:02:39.244 Nice and then ah I've heard that you've gone to US based on the job. 00:02:39.244 --> 00:02:41.166 what was that experience like? 00:02:41.960 --> 00:02:55.180 See, then it is like evolving thing like because while doing data entry afterwards, I learned software, I learned programming tools, and then I started classes and then it went 00:02:55.180 --> 00:02:57.540 to develop my own software. 00:02:57.780 --> 00:03:00.020 Then I was doing trading of hardware. 00:03:00.020 --> 00:03:11.820 But then doing all these things again, there's a lot of situation because the tools were new, there's a lot of limitation on hardware and programming side, memory side. 00:03:12.102 --> 00:03:14.442 So that lot of struggle. 00:03:14.642 --> 00:03:23.082 But in that case, of course, you know, I always found a way where if I go to silence, I used to get some solutions. 00:03:23.142 --> 00:03:39.102 So when I was thinking of this situation, the thing came to me, it's always better to US or abroad, you know, to earn money because then that will create more output for the same 00:03:39.102 --> 00:03:41.182 time what I'll be giving in India. 00:03:41.808 --> 00:03:48.863 So I decided to go to US, but I thought it's better to go to Singapore or some other country first. 00:03:49.044 --> 00:03:55.209 But it happened that when I went to Singapore, got an entrepreneur who was from US. 00:03:55.209 --> 00:04:01.894 They had a software company and we were in the software expo in Singapore. 00:04:01.894 --> 00:04:11.191 And he liked the way I was doing my sales of application software without spending any money on the stall and they had a big stall. 00:04:11.206 --> 00:04:15.668 So he approached me and he told me why don't you join our company? 00:04:16.209 --> 00:04:20.251 And I decided that I wanted to go to US. 00:04:21.012 --> 00:04:31.077 So that's how I went to US and reached US for marketing software for this company in US. 00:04:33.086 --> 00:04:43.216 Nice and then ah what was that one turning point that accelerated your progress ah towards financial independence? 00:04:43.216 --> 00:04:47.027 what happened that time in US also the computers were new. 00:04:47.367 --> 00:04:54.289 Lot of people even didn't know about computers and most of the companies were not computerized. 00:04:54.849 --> 00:05:02.291 the clients, prospective clients or the clients we have were very big financially in US. 00:05:02.731 --> 00:05:11.473 So and when you give some solution to some company then you know you have to talk to the owner, you have to understand his vision. 00:05:11.653 --> 00:05:16.533 and what kind of things he is expecting from the application. 00:05:17.133 --> 00:05:24.533 So for that, I visited some of the houses of some big corporate company, the owners. 00:05:25.353 --> 00:05:33.413 Huge house with a lot of cars and some private small kind of flying. 00:05:34.853 --> 00:05:39.113 I don't know what to call them, but so all these things were there. 00:05:41.347 --> 00:05:56.081 But I saw their life also in a process like, know, like they have a lot of tensions and the way they were involved in different things was very like a stressed thing. 00:05:56.801 --> 00:06:09.549 In addition to that, I saw another thing also in US because then, on one of the Sunday when we met with some Indian group, we have some three, four cab drivers, you know. 00:06:09.549 --> 00:06:17.832 And those who had come in suits and I had some software people, coding people in just normal Indian pant and shirt. 00:06:18.132 --> 00:06:27.155 And then uh I thought because they were in good suits and all, I thought they must be doing some good business or a good position in software and all. 00:06:27.736 --> 00:06:33.978 So I asked them like, what you do, you know, for living and where you do the job and all. 00:06:33.978 --> 00:06:37.039 So they said, we are driving the cab. 00:06:37.059 --> 00:06:39.190 And I asked them how much you are making. 00:06:40.014 --> 00:06:49.887 So amount they were making was almost 30 to 40 % more than the salary what my software guys were getting. 00:06:51.008 --> 00:06:54.089 And then I thought, okay man, I have a license. 00:06:54.289 --> 00:06:56.070 I have a US license. 00:06:56.370 --> 00:07:03.272 And if this is the money which can be earned by driving the cab, and with my nature, I thought I will enjoy driving the cab. 00:07:04.133 --> 00:07:06.954 And then I went deep thinking on this. 00:07:07.774 --> 00:07:09.507 And the outcome was, 00:07:09.507 --> 00:07:30.127 my fear for which I was in US of money just went off because I had performed really well in sales in US for closing deals and this witnessing of this economy and how the efforts 00:07:30.127 --> 00:07:31.767 are paid in US. 00:07:32.307 --> 00:07:38.067 So I thought I can make money whenever I want to make and 00:07:39.076 --> 00:07:51.756 All options, I never drove the cab, but then that gave me the confidence like that removed the fear about financial requirements. 00:07:52.496 --> 00:08:03.116 And I really felt a freedom like, know, because I had a lot of things within me and I used to postpone because I have to generate money. 00:08:03.416 --> 00:08:07.702 So that one thing I really got from US where 00:08:07.702 --> 00:08:22.094 you know, my worry or planning of future, planning of career, making money, everything I could take it very easily after realizing this, that there is no problem. 00:08:22.495 --> 00:08:23.886 I can generate enough money. 00:08:23.886 --> 00:08:27.449 Even that time, I remember I made all the calculation. 00:08:27.449 --> 00:08:34.445 I thought if I drive cab two months in US, I can stay comfortable in India for 10 months. 00:08:34.445 --> 00:08:35.606 You know, just... 00:08:35.841 --> 00:08:49.401 just a calculation I never did that but that can yeah so that removed my fear that removed my fear basically yeah and then what happened is that I was doing really well so the 00:08:49.401 --> 00:09:04.577 company offered me that okay why don't you start the whole because I have taken their setup in from 20 people company to 120 people so they knew like how I can 00:09:04.577 --> 00:09:08.257 manage the whole setup and grow the setup. 00:09:08.617 --> 00:09:25.837 So they told me that you start because Pune also was a very IT relevant city so they wanted me to start a complete setup under my this thing in Pune and I was really free from 00:09:25.837 --> 00:09:34.163 the thoughts and I you know so I said okay Pune is my own city I will go there and they told me we will start 00:09:34.163 --> 00:09:37.317 everything from Pune and then I came to Pune. 00:09:39.122 --> 00:09:39.453 Nice. 00:09:39.453 --> 00:09:46.398 So like why did you decide to not stay in the US but come back to India? 00:09:46.398 --> 00:09:48.871 Because you could have earned a lot of money in the US. 00:09:48.871 --> 00:09:54.373 No, for me I was getting same money because they had offered me both the things. 00:09:54.373 --> 00:09:57.555 In fact, what they had offered me is much more than that. 00:09:57.555 --> 00:10:06.879 Like if I convert dollars what I was getting in US, convert in rupees, again I will be paid in rupees that much amount in India. 00:10:07.379 --> 00:10:10.850 So I will be making much more money in India. 00:10:10.850 --> 00:10:15.553 Plus it was a partnership deal because I never did job for anybody in my life. 00:10:15.553 --> 00:10:17.093 So I cannot do job. 00:10:17.599 --> 00:10:31.519 and whenever such situation it will make me uneasy like you know because I want to work for myself that's my nature so and they offered me partnership so that was the best offer 00:10:31.519 --> 00:10:44.059 for me that I'll be making fixed amount which will be as per the US income I'll be staying in Pune and I am the boss because they also knew because when I was working with them even 00:10:44.059 --> 00:10:46.838 though they were indirectly boss but 00:10:47.046 --> 00:10:53.736 They used to listen to me, that's the way the company was running even though he was the boss. 00:10:53.736 --> 00:10:57.680 So they knew I like to work independently and all. 00:10:57.901 --> 00:11:00.965 So that was the best thing for me to come to Pune. 00:11:02.482 --> 00:11:03.743 Yeah, makes sense. 00:11:03.743 --> 00:11:06.535 So coming back to the financial part, right? 00:11:06.535 --> 00:11:13.639 When did you realize that you had reached the fire number or you know, um what did that moment feel like? 00:11:13.639 --> 00:11:14.748 Yeah. 00:11:14.748 --> 00:11:26.428 No, after coming to Pune, the property at which we wanted to start the whole big setup, we did not even got it in time. 00:11:26.428 --> 00:11:39.348 It was like three months delay because whatever they had promised me and whatever my things were within me from almost at the age of 11. 00:11:39.482 --> 00:11:50.249 about knowing about the life, how the universe works and why we are here and what is dead and so many things like why there are so many problems in the world and so many questions 00:11:50.249 --> 00:11:53.781 were there but I could never give the priority. 00:11:54.082 --> 00:12:06.650 So because of this delay I got a comfortable time so I decided which I was always using from last so many years to go to silence and find the 00:12:07.931 --> 00:12:24.191 So I decided to go in silence and somehow I don't know how it happened but I was in silence for 4, 5, 6, 7 days and something happened in the 8th On the 8th day I felt 00:12:24.191 --> 00:12:32.411 something from within which was never experienced by me and I was feeling so joyful, so... 00:12:33.946 --> 00:12:35.426 I cannot express that in words. 00:12:35.426 --> 00:12:39.626 So was so happy and I never wanted to come out of it. 00:12:39.626 --> 00:12:55.206 So I kept continuing it and it took around 15-20 days and then again a time came where you know because there were some calls coming from US and also I had to tell them that you 00:12:55.206 --> 00:12:56.386 know I am not interested. 00:12:56.386 --> 00:12:59.946 So they thought like it's because I want some better offer. 00:12:59.946 --> 00:13:01.522 So they offered me 00:13:01.539 --> 00:13:10.953 much more than they offered me better partnership terms and all but I explained them like somehow you know means now I mean they could not understand they thought I am saying 00:13:10.953 --> 00:13:24.848 reasons but I could not leave that silence so then it went on from 15 days to another two months another two months to another six months of course it happened because I had no 00:13:24.848 --> 00:13:30.027 fear about money or career because I had visited US I knew my value 00:13:30.027 --> 00:13:40.862 I had a got a offer so I know this offer what this company is giving any company will give me so these thoughts were coming because that process was going on but fear was not there 00:13:40.862 --> 00:13:46.375 so I could continue the silence and it kept on going for three years. 00:13:48.184 --> 00:14:00.983 where a stage came where I have no questions left and I could experience, you know, that, okay, I don't need to know further like something happened. 00:14:00.983 --> 00:14:07.827 So I stopped then, but it took three years, question, answers, answers, question, question, answers. 00:14:08.368 --> 00:14:11.790 But then the financial part will be there. 00:14:12.111 --> 00:14:17.154 So I had not a lot of money, but I had money. 00:14:17.518 --> 00:14:24.420 with which I could have bought good bungalow in Pune and bought some good Mercedes car or some car. 00:14:24.420 --> 00:14:26.440 So that much money I had. 00:14:26.941 --> 00:14:34.843 But because of my inner joy, I thought why should I invest this and again start doing some work and earn money? 00:14:35.123 --> 00:14:40.904 Because I knew everything by that time, you know, these questions and answers. 00:14:40.904 --> 00:14:44.265 So I had known how the life works. 00:14:45.306 --> 00:14:47.210 So I decided not to do. 00:14:47.210 --> 00:15:01.216 any investment on monglos or cars or anything because anyway I am getting joy without doing anything I am enjoying so why should I do anything uh materialistically to get the 00:15:01.216 --> 00:15:15.162 joy so that money I decided to invest and I didn't wanted to give time to anything so I decided to invest in fixed deposit only so there is no risk and 00:15:15.162 --> 00:15:20.842 some part I decided to invest in a property with the view of rental income. 00:15:21.602 --> 00:15:27.102 And then I did the calculation like, you know, how it will work and all. 00:15:27.242 --> 00:15:30.162 And I met some financial consultant. 00:15:30.422 --> 00:15:41.202 So they really created a fear within me that, okay, if this is how you will go, the inflation will increase, the cost of living will increase and a lot of other things they 00:15:41.202 --> 00:15:45.297 suggested that this money is not enough and all that. 00:15:46.553 --> 00:15:57.873 But at the back of mind I knew like you know means after going through this spiritual process my intelligence has increased and in fact at that time if I decide to make money I 00:15:57.873 --> 00:16:03.453 can in fact still make much more money whenever I want to make so that confidence was always there. 00:16:03.453 --> 00:16:07.493 So if situation arises I will do that but why to do that now? 00:16:07.493 --> 00:16:10.913 Now I don't want to trade my time for money. 00:16:11.233 --> 00:16:16.688 So I went with that formula of mind like 50 % in this 50 % like 00:16:16.839 --> 00:16:19.817 save in this thing and 00:16:22.071 --> 00:16:23.571 my life was very simple. 00:16:23.571 --> 00:16:35.991 So the simple formula was whatever money I am getting from the interest and from the rental income, I will spend 50 % and 50 % I will reinvest because they had put that 00:16:35.991 --> 00:16:37.691 inflation thing in my mind. 00:16:37.691 --> 00:16:40.251 So I reinvest that 50%. 00:16:40.251 --> 00:16:45.431 But actually nothing happened like after age of 32. 00:16:45.871 --> 00:16:47.011 In fact, 00:16:47.191 --> 00:16:58.471 Even what I decided that I will spend 50 % I could never even spend 50 % my spend was whatever fixed income was coming my spend was not more than 20-25 % even though I had made 00:16:58.471 --> 00:17:10.711 a provision of 50 % because when you have a inner joy you don't need to do anything outside you don't need to spend money and because of then spirituality the people with 00:17:10.711 --> 00:17:13.966 whom I was you know they were all 00:17:14.869 --> 00:17:20.002 Big like software company owners and they were all my friends. 00:17:20.423 --> 00:17:30.269 So whenever if I have to go somewhere, they will make all the arrangements from my house to pick me up or to go to some places, spend time with them. 00:17:30.269 --> 00:17:40.776 So I never had to spend money for anything because if I go out, I'm going out because somebody wants to know something or discuss something because I didn't wanted anything. 00:17:40.776 --> 00:17:42.637 So they had something in their mind. 00:17:42.637 --> 00:17:44.548 So they will take care of everything. 00:17:44.790 --> 00:17:47.570 So the expenses never increased. 00:17:48.170 --> 00:18:02.830 So again the amount every year I invested and I never felt any need of money from the age of 32, any need of working for money till my age of 61. 00:18:03.190 --> 00:18:10.610 So what I feel is it's not about money or the numbers or the planning or financial freedom. 00:18:10.690 --> 00:18:14.530 It's about knowing the life, how it works. 00:18:15.092 --> 00:18:33.737 and what actually creates joy in the life and once you have that all best thing in life you can experience without money but for physical comfort of body and mind and 00:18:33.737 --> 00:18:43.695 materialistic world when you have money behind this process becomes very simple so I had that money so it became very simple 00:18:44.446 --> 00:18:55.746 So you had a spiritual awakening in those three years that you have and then you were like, okay, now I just want to, you know, I'm already happy. 00:18:55.746 --> 00:19:02.806 So like, why should I spend all of those, you know, all that money that I have earned and then just keep it invested? 00:19:03.694 --> 00:19:12.512 Yeah, so see, the words at that time or today also I would not use the awakening or realization or different words. 00:19:12.512 --> 00:19:15.533 What I can say is there was no fear. 00:19:16.115 --> 00:19:17.175 No fear. 00:19:17.175 --> 00:19:25.272 No fear of death, no fear of money, no fear related to sex or relationship or food or whatever. 00:19:25.272 --> 00:19:26.402 No fear. 00:19:26.523 --> 00:19:28.505 So that is what I experienced. 00:19:28.505 --> 00:19:32.848 And without doing anything, always from within joy. 00:19:33.384 --> 00:19:36.126 joy joy and joy continuously. 00:19:36.206 --> 00:19:49.357 this once this stage came the only thing as a human what you can do is try to do something for others which also I realize that I did that for few years but I realized that 00:19:49.357 --> 00:19:51.739 everybody has their own journey. 00:19:51.739 --> 00:20:01.307 So with their own journey only they experience their life and by knowing their life only they can go to the higher stages. 00:20:01.446 --> 00:20:15.035 not by somebody telling or answering their questions because it won't be practical experience for that individual and each individual in different stages of life they are 00:20:15.035 --> 00:20:17.236 facing different situations. 00:20:17.797 --> 00:20:29.689 I kept sharing the wisdom but I took it in a very simple way like then I came out of that also like if somebody 00:20:29.689 --> 00:20:34.624 by accident comes in front of me and ask me some questions or something then I will change... 00:20:34.624 --> 00:20:36.749 so I was free from that also. 00:20:39.142 --> 00:20:39.982 Right. 00:20:39.983 --> 00:20:50.500 So I know you but you achieved financial independence like you know 30 years ago, but is there anything that today's generation misunderstands about financial independence? 00:20:54.034 --> 00:20:58.615 See again, I won't call it they misunderstood. 00:20:58.615 --> 00:21:04.036 What I would from my experience suggest is finance is very important thing. 00:21:04.036 --> 00:21:07.697 So make yourself little bit secure. 00:21:08.237 --> 00:21:10.378 Remove the fear of money. 00:21:11.158 --> 00:21:20.400 That a lot of calculation that I need money for this, what will happen after 10 years, 20 years, that inflation, these, that calculation. 00:21:20.400 --> 00:21:23.501 But instead this, make the life. 00:21:24.049 --> 00:21:32.575 Once you know the life, how it works, know what date is and what actually lot of people do not know what money is. 00:21:32.835 --> 00:21:36.798 It's just a exchange of service. 00:21:36.798 --> 00:21:40.600 So, so really know what money is. 00:21:41.041 --> 00:21:45.084 Then the financial freedom will automatically evolve. 00:21:45.624 --> 00:21:46.465 And 00:21:48.537 --> 00:22:01.057 If you really enjoying life and have lot of things to enjoy in life, if you know the life then you would not like to trade your time for the money and that becomes that evolves you 00:22:01.057 --> 00:22:16.189 know you cannot plan that evolves in a financial freedom because then naturally you do the things as far as finance is concerned more safe, uh more consistent and rest your needs 00:22:16.189 --> 00:22:17.410 are not much. 00:22:17.964 --> 00:22:34.873 You look for the alternatives where you can live a simple life and then of course ah you are retired from making money but not from life so you are uh fully busy with the life, 00:22:35.574 --> 00:22:39.126 exploring different things in the world. 00:22:40.380 --> 00:22:40.751 Right. 00:22:40.751 --> 00:22:51.141 But for example, today, if someone comes to and ask, know, Sunil, what I'm in my 20s and 30s currently, ah and I've heard about fire. 00:22:51.141 --> 00:22:54.655 So what are some of the advice that you would give them? 00:22:54.655 --> 00:22:57.027 Like what habits matter the most? 00:22:57.027 --> 00:23:01.591 What should people focus on early in their life or early in their career? 00:23:01.912 --> 00:23:04.004 You know, achieve financial independence. 00:23:04.432 --> 00:23:10.072 Yeah, see what I concentrated in my case in early ages, I invested in myself. 00:23:10.812 --> 00:23:15.852 So today's age, I will advise them, invest yourself in AI. 00:23:16.192 --> 00:23:19.552 I'll tell them, leave everything, forget everything. 00:23:20.052 --> 00:23:22.432 Forget about financial independence, everything. 00:23:22.432 --> 00:23:24.952 Right now concentrate on AI. 00:23:25.332 --> 00:23:29.832 Master few tools at whatever level you can master. 00:23:29.832 --> 00:23:31.352 Become the best in AI. 00:23:31.352 --> 00:23:33.792 Work 24 by 7 on AI. 00:23:34.252 --> 00:23:41.587 learn certain tools and create agents or a workflow which can generate money for you. 00:23:41.587 --> 00:23:47.521 Right now you will work very hard for three months, six months, nine months, one year, two years. 00:23:47.901 --> 00:23:55.486 But once you master the AI and create a system, money will flow automatically. 00:23:55.486 --> 00:24:02.670 So even though you are in business, you have a financial freedom and you don't have to work for business. 00:24:02.670 --> 00:24:17.030 And that opportunity all these youngsters have got now because there are minimum million opportunities at different level because everything will get converted AI operated. 00:24:17.810 --> 00:24:31.175 So somebody who takes the leads now and develops their own setup and business based on AI knowledge, AI solutions, I'm 100 % sure within 00:24:31.175 --> 00:24:46.310 one year of 24 by 7 involvement, they will get much more income than they can imagine, where their business is also going, income is coming and they don't have to give time for 00:24:46.310 --> 00:24:47.329 generating money. 00:24:47.329 --> 00:24:54.913 So this is what I will advise, invest in yourself, know the latest tools of AI, don't think of the money now. 00:24:54.913 --> 00:24:56.853 Of course, you need to have 00:24:57.541 --> 00:25:08.527 that freedom for one to two years where you don't have to think of money or think of EMI or think of you know how to pay your bills. 00:25:08.647 --> 00:25:24.196 So if you are in that situation right now, put all your time, all your energy to learn the latest tool and find one vertical where you can create a solution and you are financially 00:25:24.196 --> 00:25:24.696 free. 00:25:24.696 --> 00:25:27.187 This is what I would like to share. 00:25:27.437 --> 00:25:30.057 And this is what has excited me. 00:25:30.917 --> 00:25:40.957 And because of this, first time in my life, after 30 years, I never did anything related to business or anything in 30 years. 00:25:41.237 --> 00:25:50.877 But when I heard first time for AI and when I went into detail, in fact, right now I am an AI expert. 00:25:51.137 --> 00:25:56.734 Just I have not done anything, but just because of my love of AI, I went so deep. 00:25:56.734 --> 00:25:59.406 in acquiring knowledge of different tools and all. 00:25:59.406 --> 00:26:12.935 uh it has really caught me like, know, means I left everything, but now at 60, I am fully involved in what's happening in the AI and what new tools are coming and how it will 00:26:12.935 --> 00:26:14.717 transform and all that. 00:26:14.717 --> 00:26:25.694 And of course, guiding low, high and intelligent students who would have otherwise gone for higher education. 00:26:25.972 --> 00:26:30.695 But they realized there is no need to spend so much of time on higher education. 00:26:30.695 --> 00:26:34.837 It's better to learn AI now because AI can educate them. 00:26:35.257 --> 00:26:42.901 Whatever the education will educate them and practically they can use this time to set up their business. 00:26:42.901 --> 00:26:53.777 So I am really excited with AI and that's why now I'm really involved in what's happening in AI and guiding, you know. 00:26:55.454 --> 00:27:01.576 Yeah, it's great to hear right like after 30 years of your, you know, not working and trying to work on yourself. 00:27:01.576 --> 00:27:12.649 Now you are trying to, you know, go into AI and it's like very fascinating to see that how you have embraced AI and you want to go into that field and you you're also helping others 00:27:12.649 --> 00:27:22.801 to, you know, themselves get more into AI and how you're helping, you know, uh students go into AI. 00:27:23.162 --> 00:27:23.562 Right. 00:27:23.562 --> 00:27:24.772 um So 00:27:24.772 --> 00:27:30.800 One question I like to end with is do you think pursuing financial independence was worth it? 00:27:32.466 --> 00:27:37.229 For me it was natural because I didn't want to give my time to make money. 00:27:37.290 --> 00:27:42.915 So financial independence, if you do not have your life, let's not start it. 00:27:42.915 --> 00:27:49.230 Because see you understand financial independence is must because that is the day you are really born. 00:27:49.230 --> 00:27:57.447 Till that time you have certain commitments which are not free of fear. 00:27:57.828 --> 00:27:59.739 You are not living with love. 00:28:00.041 --> 00:28:03.842 So there are only two options, either you live with love or with fear. 00:28:03.842 --> 00:28:06.123 If fear is there, love is not there. 00:28:06.123 --> 00:28:17.266 So the only way you can live with love is if you are financially, of course, internally also, mentally also, you are totally free. 00:28:18.206 --> 00:28:25.348 And you know that nothing can disturb me because I have this much money on saved plant. 00:28:25.408 --> 00:28:29.043 But that is the day really your life starts. 00:28:29.043 --> 00:28:41.838 because otherwise you are not living the life you are planning for the life till the time you don't become financially free so it is must must and see in my case also I could do 00:28:41.838 --> 00:28:57.144 whatever I could do because by then I had my own house by then I have some money which can protect me for 100 years okay my lifestyle will be low or simple but I was okay with that 00:28:57.510 --> 00:29:05.502 But then also, compared to the society in which I am living and what they are spending, I had that much money. 00:29:05.521 --> 00:29:15.505 was no um problem oh living with the society because I had that much money to spend what they were earning and spending money. 00:29:15.845 --> 00:29:19.286 So, it is must to have financial freedom. 00:29:19.286 --> 00:29:27.226 One must plan that a day will come in my life where I will get up in the morning 00:29:27.226 --> 00:29:42.580 and I don't have to think about money and that is where the life starts and then maybe the creativity with what that person will do can generate even if you talk in terms of money, 00:29:42.580 --> 00:29:56.583 lots of money or the value what he will create for the world will be much more than you know planning and working or generating money in 00:29:57.178 --> 00:29:58.348 regularly. 00:29:59.294 --> 00:30:08.494 Yeah, I just love that idea of, you know, trying to get up in the morning and then not worry about money or not worrying about any job that you have to go to, you know, any 00:30:08.494 --> 00:30:09.926 Monday blues and things like that. 00:30:09.926 --> 00:30:12.669 So I think really great advice. 00:30:12.669 --> 00:30:16.073 So thank you so much for sharing your story and insights today. 00:30:16.073 --> 00:30:19.537 I really appreciate you taking the time to talk about your journey. 00:30:19.537 --> 00:30:20.718 Thank you so much. 00:30:20.775 --> 00:30:23.815 Thank you for giving me this opportunity to share. 00:30:24.495 --> 00:30:25.735 It's both the way. 00:30:25.735 --> 00:30:29.023 I also really felt good sharing this. 00:30:30.673 --> 00:30:31.075 Thank you. 00:30:31.075 --> 00:30:32.154 Thank you very much. 00:30:32.154 --> 00:30:34.283 Thank you.