Every time I visit my uncle at my native place, I feel so
disconnected in everything I see around . The families sitting across
the porch enjoying their morning chai, the children playing with their
friends in puddles, the women gossiping with each other across grocery
shopping or sitting outside the local temple. I always ask my uncle to
visit us once in a while to enjoy the comforts of the city life and he
always laughs me off. He raises only one query “What comfort are you
talking about?”. Even before I mention to him any thing about multiple
cuisines restaurants, malls, big skyscrapers, he clearly shrugs off
saying “I feel suffocated in your air conditioned furnished flat. You
can't see any one passing by from your tall building windows and
everyone is locked in their homes. There is no one to talk once you
leave for work. Only TV and a small garden in your compound are left for
me to enjoy. I have TV here also and for garden I have the entire
village full of greenery and fresh air. So, why should I come there and
stop living rather you come here and enjoy life to the fullest”. I am
shocked at his simple denial to come to see me at my home but it is the
truth. We take our city comforts so granted that we believe that it is
the only way to lead a happy life. Meeting friends once in a week,
having dinner together and discussing politics, markets over coffee is
too cool and is the only happiness left in life. It does sound like a
good plan especially in our odd working hours where we all are in race
to earn more. But what when we are back there resting in our home couch.
Wouldn't the silence in your AC homes make you a little uncomfortable?
Think about it?
Why suffer for life?
It
is understood fact that we live in cities in our working life to earn
more money. But living like this after retirement is a foolish thought.
What are we giving up for this? Our health, our family life and even
after this we are still adjusting our needs. We cannot enjoy open space,
fresh air or comfortable meeting with our extended families.
Plan Your Life, Plan it now
Life
Planning is more important than goal planning. If you don't intend to
live in this hustle bustle over retirement then why are you making non
movable assets out here? Why do we sacrifice all our hard earned money
in paying the EMIs.
It might look cool in your net worth to own multiple real estate assets
but over retirement you would only like to enjoy the rental income from
it and not leave your current surroundings to shift to a more noisy
environment. What are we seeking then from this attachment? Why
is the fact of living in a metro or big city making us so arrogant? We
live in this place not by choice but by need. We have multiple needs and
the best place recommended to fulfill them is the metro. That's is the
end of it. There is no other advantage of it. The real treasure is our health and family which is a lost in our current lives. Be prepared to disown it.
So
as your financial guide, Saarthi always recommends you to build assets
but more importantly earmark them to your goals. So, when the right time
comes, you can sell it off to meet your goals. So, the first thing to
do right now is to plan your move right now. See
if you want to still spend your sunset days in this big busy city or
you would prefer the calm of a small town. Make your choice now. It is
your this choice which will eventually help you calculate your
retirement corpus.
Team
Saarthi Financial Planner
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Email: saarthifp@gmail.com
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