Thursday, December 11, 2025

💡 Behaviour Code (8 Rules)

 


1️⃣ Don’t Try to Look Rich

People who look rich never become rich.
People who become rich never try to look rich.

No luxury signals.
No impressing anyone.
Simple life → fast FI.


2️⃣ Salary Day = Investment Day

You already follow this: ₹40,000 goes to FIRE first.

FI people invest →
Normal people spend →
Leftovers never make you rich.


3️⃣ Track Your Weight & Wealth Weekly

Two numbers matter:

  • Health Number: your weight trending to 60 kg

  • Money Number: your monthly invested amount

If these two go up, your life goes up.


4️⃣ Say “NO” More Often

FI requires protecting your time, energy, and money.

Say NO to:

  • unwanted social events

  • unnecessary purchases

  • time-wasters

  • emotional spending

  • subscriptions

A strong NO builds a strong future.


5️⃣ Your Job Funds Your Freedom (Not Your Identity)

You don’t need to love your job.
It’s simply your fuel station for FI.

Your identity comes from:

  • health

  • discipline

  • travel

  • your farm

  • your skills (Python, testing, YouTube)

Not your job.


6️⃣ Treat “Travel” as a Goal, Not Escape

You love travel — good.

But FI people plan travel inside the system, not impulsively.

You already have the ₹5,000/month travel bucket → this creates one strong trip every quarter.


7️⃣ Only Skills Create Income Jumps

Your FI speed depends on skill stacking, not random luck.

Your strongest future skills:

  • Python automations

  • WhatsApp bots

  • Testing automation

  • YouTube storytelling

  • Farming + rural innovation

1 new skill = 1 new income stream.


8️⃣ Never Break the Chain

FI is like brushing your teeth.

You don’t stop it.
You don’t skip it.
You don’t take “investment holidays.”

Even on bad days → FI continues.

This rule alone separates winners from dreamers.


🔥 Summary: Your FI Identity

You are a disciplined, simple-living, strong, investing, travel-loving, skill-building person.
THIS identity makes FI happen automatically.

Formula: Improve 1% Every Day

 


You don’t need:

  • 10-hour workdays

  • massive changes

  • big risks

  • huge investments

  • perfect discipline

FI happens when you improve just 1% every day.

1% is tiny → but when repeated daily → results become HUGE.


🧠 Why 1% is Magical

Because it is:

  • small

  • easy

  • repeatable

  • non-stressful

  • non-emotional

  • automatic

  • compounding

A small 1% improvement every day becomes 37 times better in 1 year.

This is how FI people grow quietly.


🔥 What 1% Looks Like in Real Life

1️⃣ Money 1%

  • invest ₹100 extra

  • increase SIP when salary increases

  • cut one unnecessary expense

  • save ₹50 in a day
    These look small → but matter over years.


2️⃣ Health 1%

  • 5 extra pushups

  • 1 extra egg

  • 10 extra minutes walking

  • drink more water
    Small improvements → long life + high energy.


3️⃣ Skills 1%

  • learn 1 Python trick

  • watch 10 minutes of a tutorial

  • write 3 lines of code

  • understand 1 new concept in testing

These micro-learning blocks build your career and new income streams.


5️⃣ Travel Planning 1%

You get energized by planning.
So 1% could be:

  • read about one destination

  • find one route

  • save one location

  • plan one future trip day
    This adds joy without spending.

Your Personal FI Daily Time Formula

The FI Truth:

If you don’t control your time, you can never control your life.

Most people waste time on:

  • scrolling

  • gossip

  • random YouTube

  • overthinking

  • worrying

  • unnecessary social life

  • low-value work

FI people use their time differently.

Your 4 free hours/day are your GOLD.

You are actually positioned perfectly for FI.


Your Personal FI Daily Time Formula

Here is your exact daily plan:

  • 1 hr — Skills

  • 30–45 min — Health

  • 30 min — Calm (travel, reading, planning)

  • 30 min — Future building

  • Remaining time → family, rest, chill.

Simple. Repeatable. Powerful.


🎯 Child-Level Summary

A rich person uses time carefully.
A poor person throws time away.

Money grows only when you grow.

"Happiness Triangle” (How to Stay Happy During the Journey)


This lesson teaches the Happiness Triangle
a simple rule even a 10-year-old can follow.


💡 The FI Happiness Triangle

There are 3 things you must balance to stay happy while building Financial Independence:

1️⃣ Progress

2️⃣ Pleasure

3️⃣ Peace

If even ONE is missing, you’ll feel stuck.

Let’s break them down.


1️⃣ PROGRESS → “My life is moving forward”

Humans are happiest when they feel improvement.

Your FI Progress happens through:

  • ₹40,000 monthly FIRE investing

  • weekly health improvement (towards 60 kg goal)

  • daily skill building (Python, testing, bots)

  • becoming mentally stronger

Even small wins feel great.

Progress gives motivation.


2️⃣ PLEASURE → “I enjoy my life”

Pleasure is NOT luxury.

Pleasure is simple joy:

  • a cup of tea

  • a long walk

  • a good meal

  • small treat

  • music

  • talking to loved ones

  • planning a trip

  • taking a short drive

  • watching sunsets

  • weekly cafe visit

Your ₹5,000/month travel bucket ensures you always have planned enjoyment.

Pleasure gives energy.


3️⃣ PEACE → “My mind is calm”

Peace gives long-term happiness.

You maintain peace through:

  • simple living

  • no unnecessary expenses

  • walking

  • quiet time

  • travel planning

  • avoiding drama

  • low-stress routine

  • handling money wisely

  • sleeping well

Peace gives stability.


🔥 Why You Need All 3

If you have Progress + Peace but no Pleasure →
Life becomes boring and frustrating.

If you have Pleasure + Peace but no Progress →
Life feels stuck and meaningless.

If you have Progress + Pleasure but no Peace →
Life becomes stressful and chaotic.

Happiness requires all 3 working together
→ Calm mind
→ Simple joy

→ Daily improvement 

The FI “Wealth Ladder” (Your Personal Climbing Stages)

 Most people don’t know which stage they are in.

When you know your stage, FI becomes predictable and calm.

This lesson teaches the 4-step FI Wealth Ladder


🪜 The 4-Step FI Wealth Ladder

Step 1 — Stability Stage

Goal: No stress, simple life, controlled expenses.
Requirements:

  • 3 months emergency fund

  • No loans

  • Monthly expenses fixed

  • Basic routine

👉 You already passed this.


Step 2 — Builder Stage

Goal: Build skills + increase income + invest monthly
Requirements:

  • Daily skill development

  • 1–2 new income streams being built

  • Strong monthly investing discipline

  • Controlling lifestyle inflation

  • Stacking knowledge (Python, automation, testing, finance)

👉 You are deep inside this stage right now — and doing extremely well.

This is the stage where 90% fail.
You’re doing all the right things.


Step 3 — Acceleration Stage

Goal: Money grows faster than your effort
Requirements:

  • Portfolio starts compounding

  • Income grows due to skills

  • Investing becomes automatic

  • You feel “FI is possible”

  • Adding growth stocks increases speed

  • Side projects may start giving some cash

👉 You will enter this stage in 12–18 months if your ₹40k–60k investing continues.

In this stage, life feels like:
Wow… my money is finally working for me.

This is the FI sweet spot.


Step 4 — Financial Independence Stage

Goal: Your money pays your survival expenses
Requirements:

  • Portfolio reaches your FI number (₹60–70 lakh for your lifestyle)

  • Portfolio gives you ₹23k/month safely

  • You can choose to slow down or stop your job

  • You work only for passion (farm, travel, learning)

👉 Based on your FIRE Velocity, you’ll reach this in 5–7 years max.


💡 How to Climb Faster (Simple Rule)

Every day, ask:

“What am I doing today that moves me one step up the ladder?”

If the answer is:

  • learning

  • working

  • improving

  • investing

  • health routines

  • saving

  • building skills

  • making systems

  • avoiding drama

  • staying simple

Then you are climbing upward.

If the answer is:

  • overthinking

  • worrying

  • buying unnecessary things

  • skipping investing

  • skipping health

  • wasting time

Then you are climbing downward.

Life is simple:
Up or down.
Every day.
One small step.

Tuesday, December 9, 2025

“The 3 Money Superpowers You Must Build”

 Imagine you are becoming a Money Superhero.

Every superhero has 3 special powers.

If you master these 3 powers, you will reach Financial Independence much faster than normal people.

Let’s learn them 👇


🦸‍♂️ Superpower 1: CONTROL

This is your ability to control yourself when money tries to run away.

Examples of Control:

  • Saying NO to useless buying

  • Choosing needs over wants

  • Not copying what others buy

  • Stopping small money leaks

  • Sticking to a budget

Control = You are the boss of your money.

Without this, people become slaves to expenses.


🦸‍♂️ Superpower 2: GROWTH

This is your ability to grow your income and grow your money.

How?

  • Learn skills 

  • Improve your job value

  • Build small side incomes

  • Invest regularly

  • Read 10 minutes every day

Growth = Your money grows even when you sleep.

This is the engine of FI.


🦸‍♂️ Superpower 3: PATIENCE

TRULY powerful people have this.

Patience means:

  • You let investments grow

  • You don’t panic during market falls

  • You don’t rush to become rich

  • You stick to the plan for years

Patience = Time becomes your friend.

People who fail financially are always in a hurry.


🦸‍♂️✨ When all 3 powers combine…

You become unstoppable.

CONTROL protects your money.
GROWTH multiplies your money.
PATIENCE finishes the journey.

That’s how you reach Financial Independence.


🛠️ Mini Homework

Answer in simple bullets:

1️⃣ Which superpower is your strongest right now — Control, Growth, or Patience?
2️⃣ Which one is your weakest?
3️⃣ What can you do TODAY to improve it?