Tag Archives: employment

Swamusings ~ Pensioner Swamy!

6 Sep

Swamusings ~ Pensioner Swamy! 🤔👴🏻🙃

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Nearly five years (well, it’s a month shy of 4.5 years, to be precise) after his planned retirement👣, Swamy is now officially a pensioner, joining the league of his father, f-i-l & their ilk 👴🏻👵🏼, many of whom are still very much around, most certainly drawing a much better monthly pension (அரசாங்கம் வாழ்க). 🤣

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On this normal occasion (what, you were expecting some hyped up adjective like ‘momentous’ there, eh! 🙄), Swamy would like to express his sincere gratitude to his long term financial consultant Mr.E.Lakshminarayanan, for enabling the planned retirement to actually happen, and continuing to ensure Swamy stays retired, as desired. 💐🙏
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Needless to say, gratitude is also owed to Swamily 👪, who took his (earlier than) planned retirement, at a tender age of 45, in their stride, and for letting him do whatever he does 📚✍😌 (ahem, that would be ‘Read-Write-Meditate in mugglespeak), even though they aren’t quite sure as to what he does 🤷🏻‍♀, or if he does anything at all! 🤔😂🤘

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Anyway, here’s a piece of practical advise, for those of you who still nurture the dream of retirement, sometime in this lifetime…
☝If you don’t have a financial adviser/consultant yet, find one right away. Alternatively, you may simply call / text / WhatsApp Lakshminarayanan @ +918754468343 (don’t worry, he doesn’t pay any commission to me, at all).
✌️If you don’t have any of these among your existing financial products, viz. term insurance, health insurance and pension plan, start all three right away. Of course, all of them will fetch you some income tax deduction as well.
🖖 If you have not ventured into the markets yet (no sir/ma’ am, not the vegetable/fruit market that you frequent, but the equity market 🤦‍♀️), you shall forever remain unsure of your peaceful retirement. So get started right away with investment in mutual funds (the safer way for those who aren’t confident enough to directly invest in stocks), ideally through the SIP (systematic investment plan) route.
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You may have a well-paying job today and probably aren’t bothered much about your (and your family’s) future, which is the case with many professionals – including Swamy’s former colleagues. But there simply is no guarantee about a safer future, considering how outdated one can become so quickly, in terms of knowledge and skills, and how loyalty is a big sad joke, when it comes to organisations reciprocating that towards their employees. It’s imperative that you actively plan today, for a secure tomorrow, irrespective of however great yesterday was.

Just so you know, Swamy did all of the aforementioned investments (and then some), only during the later stages of his corporate career, starting from 2003/04, shortly after his decisive return from overseas. During the earlier stages of his budding career in the booming (at that time) IT services industry, he was routinely chided by his well-wisher boss (who eventually became his – only – mentor) about not investing a portion of his earnings, keeping the future in mind. Heeding to such sound advise then would have probably helped Swamy become financially safer much earlier in this lifetime, but one (hopefully) learns from experience and does necessary course corrections. As a matter of fact, a few SIPs are still continuing, long after Swamy has actually retired from his reasonably successful corporate career.

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Swamy isn’t rich by any stretch of imagination, and that was never his objective any way. But he is a content being, who isn’t unduly worried about the market fluctuations derailing his planned retirement, which is secure and stable, until this point in time. Of course, it helps that the indulgences of Swamily are very few and far between, which results in negligible discretionary expenses. But that doesn’t mean they live like misers. 4K TV, Amazon Prime, Hotstar and YouTube videos streaming via ACT Broadband, Airtel and Jio mobile subscriptions, occasional sweets & savouries from the likes of ‘The Grand Sweets & Snacks,’ automobiles with 2 and 4 wheels (with associated running & maintenance costs), a pet daughter (who is pushing 80s), donations to charity, frequent travel for Jr’s sports pursuit, feeding strays and birds, regular celebrations of festivals, seasonal online sale binges (mostly the gadget kind), unexpected (but rare, thankfully) medical expenses… all these and more are very much there at SwamyHome as well!

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A content way of living, with occasional indulgences but almost no impulsive expenses, simply helps stretch the safety net of one’s financial kitty, without having to start censoring the basic necessities for a decent urban standard of living. And that’s exactly what Swamily has been doing, from well before Swamy’s retirement. It certainly helps that all of us – the human beings in the family, that is – also happen to be meditators, following the guidance of our Guru, though only Swamy remains the serious seeker treading the spiritual path.

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Early or Planned Retirement is no black magic. It’s a possibility for anyone stuck in the survival plane of existence, provided there’s a focused financial plan, which gets implemented diligently, over a period of time, preferably with the guidance of a professional.

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If you aren’t even planning to retire at some point in time, in this lifetime, then when will you start doing what needs to be done to realise the real purpose of your life, as a human being… So, please Stop dreaming & just Start doing… Now!

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Be Joyful & Spread the Cheer 🙂
~Swamy | @PrakashSwamy
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5 Stages of Freedom ~ 1/5

6 Apr

5 Stages of Freedom and the Framework to Attain Them ~ 1/5

It has been three years since Swamy chose to bid goodbye to corporate survival, on his own terms. The 3rd annivesary of freedom from servitude passed quite inconspicuously, when Swamy was at the Isha Foundation Ashram (Velliangiri foothills, near Poondi) to perform the KAla Bhairava Karma for his mother-in-law, who has passed away peacefully, recently

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the post-death process / ritual was performed by his better-half and Swamy’s role was only supportive – take that armchair feminists)

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Swamy’s was a planned departure, from the BAUHumbug paid-servant routine, to focus on his spiritual journey, with the purpose of realising the Truth (about creator, creation, existence, liberation, et al), in this lifetime itself. With Guru’s grace, the journey is progressing steadily.
There are quite a few pals (and relatives & acquaintances) who are still perplexed about Swamy’s choice to leave a well-paying career, which, for any success-focused human on the survival plane of existence, will appear seriously stupid. But for the handful of seekers, who were fortunate to get a glimpse of “Life, the way it is,” the choice of a fellow seeker to walk away from a reasonably successful career in the 40s, that too willingly, may not be a surprise at all. Of course, there are many seekers who balance both survival and spiritual pursuits and do well in at least one of them, if not both, so, Swamy’s choice isn’t recommended for all.
As the curiosity of the few still remains unsated, it’s not a bad idea to share how anyone can take a shot at attaining the freedom from what they have to do (to sustain a living) to pursue what they love to do (to explore inherent talent or seek ultimate liberation). Irrespective of whether a person is one’s own boss (self-employed or entrepreneur or creative professional) or works for some boss (salaried employee or partnering with others or performing artist), the freedom to be free of employment (of any kind) is a possibility for anyone who is keen. And such Freedom happens in five stages, as follows.
MUlAdhAra ~ Stage 1

~ Essential or Fundamental Freedom

SwAdhishtAna ~ Stage 2

~ Financial Freedom

MaNipUraka ~ Stage 3

~ Dependency Freedom

Anahata ~ Stage 4

~ Identity Freedom

Vishuddhi ~ Stage 5

~ Knowledge Freedom

The 5 Stages of Freedom

MUlAdhAra ~ Stage 1

~ Essential or Fundamental Freedom

All living beings eat, sleep and procreate, after being born and before they die. Humans are no exceptions to this universal rule.

In order to do this peacefully, one needs food, clothing and shelter. Since these are essential or fundamental needs for survival, a significant amount of time and effort – almost or even more than 2/3rds of one’s lifetime – are spent on procuring and safeguarding these essentials. This is the MUlAdhAra (root chakra) existence.

It is essential for a human being to gain freedom from the fundamental (pun intended) needs, in order to progress further in life. It is imperative that this first stage of freedom, which can be ignited while one is still in the learning stage of lifetime, i.e. during the pursuit of academic excellence, is attained within the first few years of one’s career pursuit itself. Otherwise, one may simply be stuck in MUlAdhAra for most part (or all) of one’s lifetime, which isn’t too long for an average human.

Succinctly put, Stage 1 or MUlAdhAra Freedom is eliminating one’s dependency on one’s pay (salary, fee, etc that’s earned periodically) for the basic needs of living, including food, clothing & shelter. Even if one doesn’t get paid for a month or two, none of the basic needs should be affected adversely.

The simplest and most practical way to push oneself from MUlAdhAra towards SwAdhishtAna is to be aware of needs (must have) vs wants (nice to have) and focus on fulfilling the needs (e.g. two healthy meals a day) rather than chasing the wants (e.g. dining out every weekend).

Exercise:

Since Stage 1 or MUlAdhAra existence is applicable to all beings (not just human), observe how other beings go about fulfilling their food & shelter (clothing is very specific to humans & hence excluded). Some of the easy to observe beings are ants, bees, birds & stray dogs.

Contemplation:

What would happen to your fundamental needs – including food, clothing & shelter – if you don’t get any earnings for the next six months?

How long do you think it would take for you to not be bothered about the above question!

With clarity and discipline, gaining essential or fundamental freedom is certainly a possibility than a probability.

The next stages, viz.

SwAdhishtAna ~ Stage 2 ~ Financial Freedom and
MaNipUraka ~ Stage 3 ~ Dependency Freedom, will be analysed in the next part of this blog post. Stay tuned…

~Swamy | @PrakashSwamy

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