A day will come when all of us will retire. A retirement from an assignment. In professions like most of the salaried class comes to an end at age of 60 or probably 58. I am going to be 26 years in another 3 to 4 months. The difference 58-24 = 34 years is what I have, still to work out for my survival as a professional. What do I need? Answer is simple - SKILLS.
What should I do for these 34 years? Should I continue or should I change my profession? Should I plan for a change or should I wait for a change? Do you get same questions in your mind? What to do? If yes, you are a pure confused idiot like me.
In our life, we get at least one chance per year to change our life. If money is what we need then it can be earned in many ways but it is not only money which is needed for survival. It is a hope which you need to live and grow. Money is just a helping tool to reach a destination , not the destination but, still it is vital and very important if you have responsibilities on your shoulder as a son, as a brother, as a sister or as a father or mother. The cost of living is the reason for cash flow but, cost of living should not be paid on cost of life. The importance of money is vital but only gathering money is not important. It is 20% of your life, the rest 80% is your life minus money. Then, how much should you earn? According to me, I will propose a simple solution for this;
1. Think of how much you need now. Suppose, a guys needs (approx)
10000 - food
10000 - rent
10000 - saving
10000 - others misc
Thus, he should earn 40000 per month. If he earns less than this he should get this figure as soon as possible. The aim should be earning net 40000 per month or 4.8 lakhs per annum. No compromise.
2. Once you have reached this mark, think on how much would you need after 5 years.
20000- food
20000- rent
30000 -saving
20000 - others misc
Thus, you need 90000 per month. thus start working for next five years to reach this figure. Now work it out. See options how to get to this figure. You have five years to get this figure. Try to work out a plan and go for it. Do this kind of planning every five years or three years and you would know how much you need.
Since, by this time you would have already figured out how much you need then, what is next? Once you know you can earn and have a plan for execution for next five years, plan for a family. Family? yes, a family which can provide you a backup support. The question comes --"Do I need a family for my survival ?" Answer is "YES". Plan for your marriage. A guy should get married before the half of the age of retirement. Thus, it comes around on or before 29.
Then? Once you are married it's time to give some share of your plans to the lady of your life, get you wife on discussion table and get your plan which you made before marriage approved. If she advises something else include it or discuss it. Done. Now both of you know what you both need to do for next five or three years. Therefore, you have now 4 hands and 2 heads to accomplish your goal. Now, give the planning commission file to your wife to make any number of amendments as per her vision and get the approval of your parents. Get your plan approved from your father and mother (include in-laws, if she insists). And you are set. :) It is not necessary to get the whole file approved. You can keep the confidential matters out of it. But that should be home ministry's decision and let her do what she want with the planning file. You got it approved by her now its her responsibility to get it approved by cabinet, not yours.
Keep one thing in mind, by the time you are a bachelor, you life is only yours. Once, you are a family man, your life is for your family. Then what about you? Oh! your future is already in that file. Remember? the one which you made before starting a family and got it approved after marriage also. If you got my point, it is simple. You planned everything for your life including everyone's who are part of your life. The main thing which plays and pays is your plans and their execution.
Although, you have already understood A and B of life which you planned . The C is for compromise. That's A B and C of Survival. In simple terms, A is After marriage. B is Before marriage. C stands Compromises you make.
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