Tuesday, May 26, 2009

Want to be a Happionaire!!!

Recently a car company’s ad showed how a small girl is being ignored by all her classmates and friends, but when her father buys a new car everybody starts taking notice of her. Should people buy expensive cars, just so they are noticed? Is the self worth of a person depended on the car he or she drives? A person should be noticed, loved and respected for who they are and not for what car they drive. Today the West and America are bankrupt because for the past three decades such a materialistic message has been promoted in their society. Society has been brainwashed and made to believe that without that expensive suit or fancy mansion, their life is incomplete. Unfortunately most Americans are suffering because of this brainwashing and propaganda. When a life is lived on the basis of paying EMIs and debt to have useless things, it is then that life becomes really incomplete. I find it a disgrace when investment bankers and Wall Street guys continue wanting to ask for huge bonuses while their entire nation sinks into the worst bankruptcy mankind has ever seen. When your life has no purpose, no spirituality, no love and no family, the only thing that matters are artificial and temporary sources of happiness. Our life is meant for greater things and is a very special gift.


Unfortunately today the very same type of thing is starting to happen in India. Everyday we are bombarded with images of fancy cars, cell phones and several other things. The media and advertising play a major role in shaping and influencing our modern lives and what has been used since decades to brainwash people. At the same time, the education system is also in tune with such a philosophy, no wonder there isn’t enough focus on financial literacy and leading a balanced life. The crash that happened is very good because it finally helps millions of Indians realize that the American dream of excessive consumerism fuelled by toxic loans– is not a dream but a nightmare. I feel sad for millions of Americans who have lost everything, because of a system that works only for a select few and ignores the rest.


No matter how intelligent someone thinks they are, when they buy a new cell phone every 6 months, even though they don’t really need it, they are being brainwashed into giving their money away to big capitalistic corporations based outside India. I have always believed that the downfall and bankruptcy of the West has been because of such a lifestyle. When children start comparing each other on the basis of what car their family drives, we know something is terribly wrong.


When I was a child, none of us cared what car a family drives. My family didn’t even have a car, but by the grace of God, we had a happy and healthy childhood. A life where people are working as slaves for 16 hours just so that the money they earn can be spent back on overpriced ‘commodities’ will seem insane to anybody logical. People are made to believe that an expensive cream or big diamonds will make them feel better, look better and be happy. But we all know that this isn’t true. Happiness comes from within and not from driving big cars that pollute the environment and make us EMI slaves.


What I am saying is truly a modern way of thinking, because old world capitalism is extinct – and that is a good thing. In a modern world, the principles that India’s civilization has stood for thousands of years need to return. Life needs to be more balanced because just living a materialistic and consumerist life leads to unnecessary stress, depression and a sense of emptiness. Today everybody in the world needs to be a Happionaire first, it is the need of the hour and then people can choose to be millionaires and billionaires.


A lot of people have loved Cash the Crash, (Also read - Can I really cash the crash?) however there has been a small minority who have shown a lot of resistance to the ideas shared and believe it or not, I have even got a few hate messages from these people. For instance I had a builder telling me how I am responsible for a real estate crash, because I have revealed things that weren’t spoken or written about in the mass media and now potential buyers are quoting my formulas and logic to them. I have had a few foreign investment funds and rating agencies, telling me how I did a wrong thing by revealing their methods of sending false signals through the media and tricking investors into buying overpriced stocks. I have had a financial advisor telling me how I am simplifying finance so much that people are now asking him questions that they would never ask before.


When people become smarter, it becomes harder to fool them and trick them into buying unnecessary ‘investments/insurance, etc’. They are feeling scared, because the writings are so simple and interesting that a much larger percentage of the population is getting access to such ideas. Earlier such ideas were known to a very elite few, because financial language was filled with jargon meant to confuse and dissuade the masses from learning more. Besides finance, even fields like law purposely complicate things in order to maintain exclusivity and intimidate the common man.

I have no hate towards anybody, and I have openly mentioned that all these people can create much more wealth if they follow ethical ways. If they really look beyond the surface, they can understand that being ethical can help them win many more new clients and grow.


Ratan Tata for instance is already following what was shared in the book with low cost housing projects near Mumbai. But I guess there will always be people in the world who try to resist and oppose what is right. In fact a part of me is very happy, that our vision of educating people to become financially responsible and literate is having an impact. Happionaires are gaining power and influencing the real economy.


We still have a long way to go and we need the Happionaire way to spread to more people. If we need to make sure that our nation is not destroyed by the same forces that destroyed America, we need to spread principles of leading a Happionaire life, with your children, friends and loved ones. 


We need to discourage people we know from taking loans and spending on unnecessary things. We need to make sure they save and invest wisely. The money saved can be used for much better things and for building a society that values and respects resources. Since our childhood we have been taught to respect Goddess Saraswati and Laxmi, we can’t let anyone destroy our way of life and brainwash us with their propaganda that wants everybody to be bankrupt. We will not let this happen and should make sure no Indian gets brainwashed.

A car is just something that gets us from point A to point B, our children don’t need a car to make them feel special, loved and cared for by the world. They need our time, attention and love.


Keep smiling and keep learning!


Yogesh Chabria

 Yogesh Chabria dreams of making each and every Indian financially literate the Happionaire™  Way. His latest bestselling book, Happionaire’s Cash The Crash helps investors make the most of now, while sharing little known insider secrets. You can find out more by visiting www.happionaire.com.



1 comment:

  1. Nice post Janaki.. I watched the advert and had the same thought!!! Our lives were so much simpler as kids... materialism played a very small role!! Today.. kids discuss about what holidays they've been on... and what tvs they have at home.. Isnt that sad???

    We need to get back to the basics... I like the term.. EMI Slave!! I guess most of us are in some way.. - EMI slaves..