Sunday, June 17, 2018


Even though an Hindu, I keep reading Holy Books from other religions be it the Bible, the Quran, Holy Granth, etc
And I especially like the Episodes and Stories there.
Recently, while glancing through the Bible, I read a pretty interesting episode about the Pharaoh’s Dream and its interpretation by Joseph.
I could immediately connect the Episode with my Profession of Financial Planning!!
Once Pharaoh had a Dream, 2 dreams in fact and it left him worried.
In the 1st dream, he was standing by the river Nile and sees 7 Fat handsome COWS grazing around and suddenly, from the same river, another set of 7 cows came but these were lean & bony, sick to look at and shockingly, they ATE up the 7 Healthy Cows!
  In the 2nd dream, the Pharaoh saw that 7 Heads of Full, Ripe & Healthy Grain.
He saw another set of 7 Heads of Grain which were however thin and dried out.


With a gush of Wind, these Thin and Dried grains swallowed up the 7 Good healthy Grains.
The Pharaoh was highly disturbed by these nightmares.
He called his Wise men and asked for its interpretation but no one was able to answer.
Then, Joseph who was acclaimed for his accurate interpretation of dreams, and who was in Jail, was brought to the Pharaoh (after a shave, a bath and a good set of new clothes to wear).
When the Pharaoh recalled his dream to Joseph, the smiling Joseph said “Both the dreams have the same meaning.
The dreams indicate there will be 7 Years of Great Fortune with Good Crops, overflowing rivers and plenty of Food.
Sadly, it will be followed by 7 years of Famine, so severe that all the 7 years of Good Fortune will be wiped off in a jiffy.
It will be so bad that people will forget the 7 Good years completely””

Joseph continued and advised
“During the 1st 7 years of Good Fortune and Harvest, save and store as much as Grain as possible and keep in a reserve so that when the 7 years of Famine strikes, the Egyptians will have something to eat and survive”.

Not only Joseph interpreted the Dreams but also gave the solution to the Pharaoh and the thankful Pharaoh had Joseph not only released from Prison but also appointed him as No.2 in the Kingdom.

This story is in Bible.
Do read it whenever possible.

Now, the reason for me sharing this story in this Finance Blog is because I could connect the story to our FINANCIAL PLAN.

Just like Good Years of Fortune and Bumper crop was followed by Famine,
1. We too could have Income stopped
And most importantly,
2. Booming years of Stock Market could be followed by years of Bear Markets

And Exactly like in the story, people easily lose whatever they have gained in Bull Markets very quickly in Bear Markets.

And taking a cue from Joseph’s advise, we too should learn to SAVE our EARNINGs and keep it in reserve for our Famine years (the Emergency years, the Retirement Years).
So, when the going is not not splurge on LUXURY.
Firstly, ensure that your necessities are taken care of...followed by Comforts and then by Provision for FAMINE years

Are you financially ready for 7 years of No Income??
Okay...7 years could be too about a measly 12 months....
Can you maintain your current lifestyle for the next 12 months with absolute ZERO INCOME??

You need to rein in the LIFESTYLE INFLATION.
This is exactly we have been emphasising in our posts be it our blog, facebook page, twitter and all over the Social Media. 

(an ENEMY who acts as a Friend but is actually plotting your downfall)!!

The Biggest reason why LifeStyle Inflation happens is because YOU “COULD” and not because you “NEED” TO!!!”

WE have this bad bad habit of comparing ourselves with our neighbours, our cousins and want to match upto their lifestyle even if our Income does not allow the same. 

This habit has to be nipped in the bud. 
Need to create WEALTHY HABITS if we have to become truly WEALTHY.
We need to realise that our goal is COMFORTABLE LIFESTYLE throughout our life and not just during our working years and for that, we need to have a balanced Lifestyle and avoid splurging. 

Of course, we are not asking you to be STINGY but first ensure that you have adequately provided all that is required for...
Check with your Advisor that your Retirement Corpus is on target.
Get a JOSEPH (A Good Advisor) and make your life a JOURNEY TO REMEMBER. 

Then, who knows you could well 
go ahead and enjoy the WORLD TOUR....hop onto that dream MERCEDES Car, buy that latest Apple Product, show off that ROLEX....



  1. Very unique thought process sir!

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