Fun Vs Fortune – Wealth Building
It was one of those rare, quiet
evenings at Bharadhwaj Investsmart. Vaidy and CA Srini were out for a client
meeting, and the usually focused office had taken on a more relaxed air.
As the team settled into their
routine, Manoj casually remarked while sipping his chai, “You know, I almost
bought that new Bluetooth speaker over the weekend. But then I thought - should I
blow ₹3,000 now or just throw that into my Bank of India SIP?”
Prajakta laughed, “Classic Manoj
dilemma! Spend now or sip it later.”
That caught the attention of the
others. Jagruti looked up from her screen. “It’s an interesting question,
though - how much fun is too much fun when you're trying to build wealth?”
Tabassum leaned back. “It’s always a
tug-of-war, isn’t it? We’re told to enjoy life, reward ourselves. But then
there’s the voice saying: invest, save, grow.”
“I've started seeing the difference a
little SIP can make,” said Dhawal. “Started mine two years ago with ₹ 5,000 a
month. Didn’t think much of it then. But now, watching it grow - even with market
ups and downs - it feels like I'm building something real.”
Sunil nodded. “That's the beauty of
compounding. Small, regular investments may not feel exciting, but over ten or
twenty years, they quietly do magic in the background.”
Jagruti chimed in, “It’s all about
delayed gratification. Not saying you can't have fun, but maybe not all
the fun now. Like that international trip? Maybe do it in two years
instead of swiping your card today.”
Prajakta smiled, “Exactly. I started
automating my SIPs, so the money just goes out before I can even ‘feel rich’
after salary day. Out of sight, out of spending range.”
At this point, Sadhana - the newest
recruit - who had been quietly absorbing the conversation, finally asked, “But
doesn't it feel like you’re just… sacrificing too much in the present?”
Tabassum responded thoughtfully,
“That’s the myth. Building wealth isn’t about depriving yourself. It’s about
being intentional. We all budget for fun - dinners, trips, celebrations. But we
also protect our future selves by budgeting for investments.”
“Think of it like this,” Manoj added,
“every ₹500 you skip spending on that random coffee or movie could be ₹5,000 or
more for your future. You’re not saying no forever - just saying ‘not yet’.”
Sunil smiled, “There’s a thrill in
watching your investments grow too. Maybe not as instant as buying a new
gadget, but a lot more satisfying when you see it turn into a down payment or
an early retirement someday.”
Pooja chimed in with a laugh, “So
basically, save now, sip chai, and someday, sip margaritas on a beach you own.”
As laughter rippled across the room,
the quiet hum of the office returned. The conversation had ended, but the
message lingered - wealth isn’t built overnight. It’s built over many such
choices, made in seemingly ordinary moments.
The truth is, fun and fortune need not
be enemies. When you strike the right balance, you’re not just earning
money - you’re designing the life you truly want.
The content made available in this article is for general informational purposes only. While every effort has been made to ensure the accuracy and completeness of the content, it should not be considered as a substitute for professional consultation.
Good one..... Wealth creation... Financial Freedom is like running a marathon. Just a number of small steps taken one at a time
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