Hearty
congratulations for the success of Mad Money Journey. Financial
fiction is a new genre.
How does it feel to be a forerunner?
Thanks
Mahesh for your kind encouraging words which mean a lot to me. Its
only because of erudite readers like you that we authors are inspired
to write and express ourselves for the common good of everybody.
We
are all born into genius. Sadly, most of us die in mediocrity. I am
going to die one day. We all are going to someday shed our earthly
bodies and leave for another voyage – the journey of the soul. But
then, does the journey of the soul begin when we actually die
physically. Is the soul actually alive when we are here on this
planet? A child knows what it wants to accomplish in life. At that
point, everything is clear and everything seems possible. As
children, we are not afraid to dream and yearn for everything. But,
as time passes, a mysterious force begins to convince us that it is
not possible. By repeating the same pattern again and again, are we
moving towards the death of our very soul? Everybody has a ‘personal
calling’. This is the promise between God and us. It is the promise
each one of us makes to God before embarking on our earthly journey.
Whoever you are, you have a personal calling, a desire that
originated in your soul. This is clearly your mission on earth; the
purpose of your very existence on this planet.
I
took it as my ‘personal calling’ of making people realize what
small life they are living because of financial slavery, helping them
move from financial slavery to financial freedom, re-introducing them
to their dreams and empowering them with the courage to live their
dreams so that they can achieve their higher self-actualization goals
and answer the calling of their souls. Being a forerunner in anything
brings happiness, sense of purpose and at the same time enormous
responsibility. I hope to honestly justify my duty.
Please
tell us how did the thought of a financial fiction come to you.
The
world is moving forward technologically but we humans are moving
backwards financially. We may have all modern facilities like online
banking and investing, credit and debit cards, access to financial
information, easy loan facilities but our financial knowledge is
diminishing. Today, we see young educated people earning very good
income but then not able to protect their money from financial
predators, they pay everybody like the government, banks, electricity
bills, telephone bills, children school fees etc but forget to pay
themselves via surplus budget, don’t know when to cut spending and
when to spend to get rich, have no protection in the form of
financial insurance, are not aware of the difference between saving
and investing, buy liabilities mistaking it to be assets with
negative leverage which puts them in the web of unnecessary avoidable
recurring expenses which then sadly makes them “slaves of money”
for life – wage slave of the employer, tax slave of the government
and loan slave of the bank.
To
this effect, I wrote my first book called “10 Commandments for
Financial Freedom” in the year 2013. It is a simple straight
forward book wherein I have brought out 10 principles dealing
earning, protecting, budgeting, saving, spending, investing,
leveraging, insuring, common financial mistakes and rules of money
which I believe if anybody follows will lead him / her on the path
towards financial freedom. It’s a very simple book and I believe
anybody reading it will be able to understand it. However, still it
is a non-fiction book and people have to actually sit and do the hard
work of reading it. After this book, when I used to meet lot of
people in seminars, conferences and used to talk with them, I used to
realize that there is lot of apathy towards financial thinking. When
we ask a housewife that what are you doing with your money the
typical answer is that, “I don’t know my husband or father is
looking at it”; when we ask a young educated professional who has
just started working that what are you doing regarding your future
marriage, children the general answer is that, “I don’t know just
now I am busy concentrating in my career”, when we ask a middle
aged experienced professional in a senior position earning very good
income that what are you doing about your retirement, children
marriage then the normal answer is that, “I don’t know, I have
invested in that mutual fund or subscribed to such insurance policy”.
I am not stating that we should not go to professional fund managers,
if we don’t know how to invest in specific stocks we should surely
take the help of professionals but what I am trying to stress over
here is that we should atleast be aware what is happening with our
money. But there is total ignorance about it. And people are
generally afraid about the word “money”. And it is not their
fault – during school or college we have been taught everything
like math, science, history, geography, engineering, medical, law etc
but nobody teaches us about the most important thing with which
everyone in this physical world has to deal i.e. money. Yes, whether
it is a King or a beggar, a CEO or a peon, a Minister or a normal
party worker, a man or a woman, educated or uneducated – everybody
in this world has to deal with money. Journey in this physical world
is incomplete without money. And if we don’t know how to deal with
money – many times our this journey becomes like mad. So, the idea
of “Mad Money Journey” came up.
The
two most important things in this world is – entertainment and
money. I thought why not combine both of them. Most of the people are
afraid of the term money. So, let me present money to them in a
thrilling suspenseful entertaining form. We all like to learn from
stories and fables because we have been taught that way since our
childhood. So, why not learn the most important subject also in the
form of a fable? And that is when I got the idea of writing a
“finance fiction”. My book “Mad Money Journey” is a
completely new refreshing book which combines finance and fiction in
a manner never done before. “Mad Money Journey” combines the
principles of money, finance and investments on one side and of life
and its wisdom on the other side in an inspirational, motivational
and intuitive manner bringing out the relationship between man and
money, entertaining in a thrilling suspenseful manner, promising to
be a page-turner, helping and guiding its readers on a new path
towards self-discovery, a financially free life wherein everybody,
rather than being slave to money is actually able to live a happy
successful life achieving their highest self and fulfilling their
very mission on coming to this planet. The readers taking the “Mad
Money Journey” will permanently change their journey by putting
themselves in the right path wherein they will be introduced to their
own inner self and true path. I am confident that the attempt to
write a finance fiction in the form of “Mad Money Journey” will
be loved and cement its space in the mind, heart and soul of the
readers.
How
much real life goes into a fiction writing? Is high level of
imagination important to have for an Author?
A
large part of fiction is actually real life. If an author is able to
conceive or imagine something then it has either occurred in the
past, happening somewhere in the present or will in most
probabilities occur in the future. A writer is just making the
invisible, visible. Writing is a combination of fact and fiction.
Whatever genre a writer might be writing, he / she has to first get
the facts correct of what he / she is writing and then the author has
to convert the fact into fiction or into a presentable format wherein
the reader is able to understand, read and connect with it.
Have
you really traveled across all the countries mentioned in Mad Money
Journey?
Yes,
I have travelled to all the countries mentioned in the book – some
in the physical form while some others in the imaginative form.
Writers are basically those breed of people who convert fact into
fiction and many times fiction brings out important facts. So, its
not necessary for the writer to always visit all the countries,
places, locations etc described in the book. The thoughts of a writer
are wild while their imagination is able to capture the entire world
in a few words.
For
me it was important to ensure that the reader travels to all the
destinations mentioned in the book, in his mind, heart and soul. The
reader had to connect with the various international and incredibly
different characters from various backgrounds, professionals and
personalities and live with them in their house, surrounded by their
place, eat their food, exist in their culture and relate to their
lives. Than only the journey of the reader would be complete and
would feel like a real “Mad Money Journey”.
Mehrab
could you give us some tips regarding finances.
Tips
are for waiters and not for persons managing their finances or
investments.
The
only thing certain about finance or money is that it is uncertain.
There is a need to unravel the mysterious behaviour of money and
reveal its deepest secret rules. The poor work for a living, the
middle class get into debt and keep working for money while the rich
make their and other people’s money work for themselves. We need to
learn to make our as well as other people’s money work for us. When
we achieve financial independence, we can live a personal debt-free
life, enjoy our retirement, spend without feeling guilty and leave
our legacy. Someone needs to make people retire from their work as
their money starts working for them.
The
basic advice which I would like to give everyone would be know the
best sources and methods of earning money, protect their money from
the ‘legal financial predators’, budget and pay yourself first,
know difference between mere saving and proper investing and how
savers are losers in today’s fast changing world of currency, when
to avoid spending and how to ‘spend to riches’, the importance of
asset allocation in the investment process, the power of positive
leverage and how it can either multiply or destroy wealth, not to
confuse insurance with investments, recognize the rules of money and
avoid the common financial mistakes which individuals are prone to.
Please
tell us something about your childhood.
My
childhood was a very simple one. It was like any other child.
However, I had a lot of inquisitiveness about various things around
me. I always wanted to question and learn lot of the conventional
wisdom. I also had an urge of converting complex facts into simple
interesting things and then sharing it with others.
As
a child, I always dreamt of a career which will help make an impact
to this world, help others realize their higher self, show them how
small a life they are living when they are born for greatness, remove
the hurdles between man and his dreams, make everyone realize their
true self potential and encourage them to answer their soul calling.
I was not knowing what it will be then. But I have realized it now.
It will be my “Mad Money Journey” which will permanently elevate
the journey of all mortal souls.
How
much time do you devote for writing? Give us some tips as to how
working professionals should take out time for writing?
When
we like something, when we love what we do, it becomes a method of
expression of the inner feelings and the thoughts of our soul and it
then becomes the very essence of our existence. We don’t look at
time then, we just exist in space.
I
never plan or schedule my writing. How can someone plan or schedule
the inner thoughts of the soul? Ideas flow in my mind, writing moves
in my veins, I just need a pen and paper or should I say a computer
or laptop to sit and write. My only advice to working professionals
who want to write would be to just express your souls and be in love
with what you write.
What
would be your advice to budding writers?
The
top four things which I take care while writing are - being honest to
God, being honest to myself, being honest to humanity and being
honest to the universe.
The
biggest challenge which I have faced is my ownself and how to
overcome my own shortcomings and the problems which I might have
myself inadvertently created for my ownself. And I feel that is the
challenge which most of us actually face – we can win the whole
world if we are able to win over our ownself.
I
started writing when something within me told me that having some
knowledge, perspective or vision and not sharing that with others is
selfish. So I thought of sharing my ideas with the world. The purpose
of writing is to connect with everyone and make this world a more
better place to live. The need to make a positive difference to this
world should keep all writers motivated towards their work.
How
was your experience of finding a publisher?
If
we read the story of many all time bestselling authors than they have
a interesting story to tell about how they struggled around finding
their first publisher, how they got rejected again and again, how
they might have self-published and such fascinating and intriguing
stories on which itself a book can be written. However, I don’t
have any such exciting story to tell. Contrary to the majority of
writers, my experience with finding a publisher was pretty easy.
Infact, I was spoilt for choice as I had more than one publisher
eager and ready to publish my book. But, finding a publisher is
always easy, the real challenge is to find a reader who loves and
appreciates our work.
These
are the days of aggressive book marketing. Books have to be
promoted. Your take on this?
When
one is writing then he / she has to just concentrate on writing. The
author has to be pure and honest to one’s ownself and write what he
/ she actually believes in. Once the manuscript is ready then let the
editor do their work with full independence. The editor is the first
person who is reading the manuscript and brings a whole new
perspective and thought process to it. Don’t unnecessarily
interfere with the editor’s work. After that the copyediting, book
title, cover design, production and many other items go into it. Once
the book is ready then that is your final product. Now, we have to go
all out in creating awareness, branding, publicity and marketing of
the book. A writer writes because he / she wants the world to know of
his / her idea. Wants to connect with the world, wants the world to
read his / her work and that can happen only when the book actually
sells. So, if writing a book is a project then I would say that it
has two components – the first being the concept, writing, editing,
title, designing, production etc. and the second being branding,
publicity, marketing and sales. Without the first one being good
there is no hope for the book to succeed but just because the first
part is good does not automatically mean that the book will succeed
unless the second part is put in place.
Tell
us about your future projects.
I
would always like to connect with other people. Books is the primary
medium but there are others also like talks and speeches, TV and
Radio shows, press and media as wells as movies. I myself learn while
connecting with people. And connecting with people helps me to
understand humans better and then produce want is the real need. And
I want to connect with the masses. That is why I write articles in
press, appear on various TV and radio shows and now books. However,
after a certain point books have a limit of penetration since there
are some people who would simply never want to read. Hence, to
connect with those people I am exploring other mediums like movies
and TV shows. I am in talk with certain people for converting my book
“Mad Money Journey” into a movie and expect to talk with more
people for exploring the same idea. I am also planning to do a TV
show on money and finance which will be very different from the rest.
It will be a thrilling yet emotional show which will explore and
connect people with their dreams and show them how money and finance
is preventing them from achieving their highest self in life. The
show will not just teach to earn money, it will help to fulfill
dreams.
As
far as my next book is concerned, I have not yet decided on what
would be my next book but it might be something which will further
delve into the relationship between man, money, dreams, relationships
and love and the interconnection between all of them. It will further
explore and investigate into the life of various characters who are
going through some kind of mental, physical, emotional or
psychological struggle because of money. Take the example of a
housewife. She might be educated, reasonably rich, having a loving
family – husband, children, in laws but might feel attracted to a
neighborhood man who is financially more successful than her husband.
This physical attraction because of money might be draining her
emotionally and psychologically. What is the solution for her? I
would like to dig deeper and deeper into such struggles which we
humans face in our daily life because of the interplay between man,
money and our inner feelings and dreams.
You can read the review of Mad Money Journey here