People Who Create Wealth Do Things That Others Don’t

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“I, Yogesh Chabria, promise to make one billion Indians financially literate.

The journey has just started, but I know we will make it happen.”

Before you start reading, I want you to do something very simple that will help you

fully benefit from the message in this book. I want you to write down what has been

written below and follow it. Saraswati, wealth, happiness and knowledge grow only

when we share them. It might not seem logical at first, but trust me, it will do wonders.

I,(your name), promise to share what I read in this book with at least ten people

because people who are financially literate are happier, healthier and wealthier!

Please Write It Here In Your Own Handwriting:

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Thanks a lot and welcome to the world of Happionaire!

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Introduction

What Do I Do When Things Get Tough?

Job losses, pay cuts, bankruptcies, stress, depression, slow downs , stock market and

mutual fund losses, are the types of things that almost everyone gets concerned about

every time our economy goes through challenging times. Everybody suddenly seems

to be feeling poorer every time there is an economic downturn.

Some of the biggest names in the world of finance, business and entrepreneurship, have

gone bust or been taken over in the West and fortunately, or unfortunately, India too

has been affected.

Right from the biggest real estate developers, to big investment bankers to the

pav-bhaji stall outside the Bombay Stock Exchange – everybody is saying business is

down and there is no work.

Now while most people sit and worry and curse their luck, the economy, inflation,

stock markets, mutual funds, capitalists, their mother-in-law (I don’t think cursing

your mother-in-law is a very good idea; it could have very grave consequences!) and

whatever else they can out of frustration, there is a small minority who quietly and

silently benefit and make the most of such situations. Almost every time in History,

this group of people have taken advantage of such situations and have gone on to

create tremendous wealth. This book will help you think like them, and hopefully

become one of them.

Now Is The Time To Get Wealthy!

“Be Greedy When Others Are Fearful. Be Fearful When Others Are Greedy.”

This is what the richest man on Earth, Warren Buffett says, and still most

people never seem to follow this logic.

Many of you might not believe it, but some of the best times for me to invest, create

wealth and capitalize on opportunities, are times when there is economic depression,

recession, and gloom.

I have learnt from experience and from some of the richest people around, that simply

looking for opportunities while others are cursing their luck and the economy, can

create immense wealth.

Cursing your luck, politicians, big institutional investors and people around you won’t

help your financial situation at all. Instead, if you want to create wealth and succeed,

you need to make the most of now, invest in knowledge and use this knowledge

practically.

I have never believed in waiting for opportunities to find me and then knock at my

door. I would rather build my own house and several doors right in front of the

opportunity and then pounce on the opportunity.

Happionaire’s Cash The Crash is meant for anybody and everybody who wants to

create wealth irrespective of whether the stock markets are up or down - irrespective

of where inflation, interest rates, real estate prices are headed – and irrespective of

which economic cycle we are in. Being in control of your own destiny and prosperity

is very important.

Everybody makes money when things are good. But the truly wealthy people,

preserve, create and control wealth irrespective of the environment around them.

This book has specially been written for someone who might not have a PHD in

finance, but simply wants to know what to do when times get challenging and how to

actually benefit in such times. It is based on the principles of being a Happionaire

and creating wealth in a fun, simple and interesting way.

The Street Teaches Us The Most!

I am someone who believes that life and the street teaches us the most. My university

has been the street and practical experience. I started not by enrolling for a financial

degree, but by actually investing and learning from my mistakes and by actually

making losses. I’m not ashamed or afraid to accept the fact that the losses

I made in my early days have in fact, been a blessing as they have taught me the

importance of several things.

Never be afraid of tough times, but be afraid of being afraid of tough times.

It is very important to realize that and not be afraid of failure, losses and tough times.

Those who are able to stay cool and not lose hope, are usually the ones who get ahead

in every field. Whether it is sports, war, relationships, business or investing, not giving

up is what makes you win.

Today with the crash of the entire global financial system, rules and laws that were

written decades ago mean nothing and everything has to be re-written. Almost every

book written about conventional finance and capitalism, today will no longer be

relevant as they have no solution to the problems and challenges faced by millions of

common people.

Old world rules of capitalism written by the West, which were meant to be a world

standard and something all of us should follow, today are no longer relevant.

Every time old rules collapse – new rules need to be written. The very small minority,

who know these rules, will end up benefiting the most. It is up to you to make the

most of this rare opportunity in history, or a few years from now you will look back

and say, “I wish I had done this and I wish I had done that.”

Why This Book Is For Everyone

One of the main reasons for the American and Western financial crisis is a lack of

practical financial education and literacy. What I’m talking about isn’t some

theoretical course, which teaches you about quick ratios and liquid ratios, but

something that teaches money management in a more basic and practical manner.

Today, money is a basic tool needed for survival. It is almost like oxygen or water or

food. Yes, most certainly money isn’t everything. But it is something without which

you won’t be able to survive.

If more people learnt and understood how money works and treated it with respect,

many more people would be financially free and independent. If more people are

financially independent, they would certainly be happier than when they are

financially dependant.

Being financially secure does make things easier.

A few might not agree, but I can certainly tell you from experience that I have

experienced both - being financially secure and also not being so financially secure.

I would chose being financially secure and free any day! Of course being wealthy is

not at all a key to being happy; it’s just a tool that makes things easy.

The global financial crisis could have been avoided if America and Americans had

had more financial literacy and education. If they had been taught the value of money,

saving and investing wisely in the past, today USA and the rest of the world wouldn’t

be in such a condition.

When people earning only $ 2,000 a month go out and buy houses worth $ 500,000 and

cars worth $ 50,000, something is terribly wrong. I had found this very strange the

first time I went to the West. Almost everything people bought was on credit, and even

though on the outside, everything looked nice and fancy. These people had empty bank

accounts and virtually no assets.

The Hugo Boss suit, expensive cars, first class air travel, and fancy watches

weren’t assets. I had somehow always known that one day this wasteful and illogical

spending would come to an end, and all crumble down like a deck of cards. Of course

not too many people believed me, and many in India tried to adopt that type of lifestyle

and spending habit.

Today the entire American and Western economy is falling like a rocket, which had

gone up high on hot gas of excess credit and loans, and now has run out of fuel.

Today millions of Americans are homeless, unemployed and in debt. While the ones

who are responsible for this are still very wealthy, life has become very hard for

millions of Americans. A situation like this could have been avoided if there were

more financial literacy programs for everybody. If more people were made to realize

the disastrous affects of buying expensive cars and gadgets on loans and EMIs, the

global economy would be better off. I hope that instead of simply granting bailouts

and reducing interest rates, America also will invest in educating people. They are

smart and hard working people, who have grown on the basis of merit and

entrepreneurship. I’m sure with the right decisions and steps, the American economy

can once again grow and prosper.

If today we don’t make sure that our people are made financially literate, I wouldn’t be

surprised that in ten to fifteen years, India too would face the same problems America

is facing today. Letting more people know that taking that holiday to Europe on

credit probably isn’t the best financial decision you can make, would be sound advice.

Instead, saving and investing wisely, will let you take that holiday to Europe by paying

in hard cash just a few years later – absolutely stress free.

You could be a doctor, engineer, fashion designer, musician, artist, homemaker or

someone who hunts for ghosts for a living. Being financially literate is as important

and basic as knowing how to eat food or drink water. It is a survival skill needed in

the modern day world. The Happionaire™ Way is dedicated to spreading this in a

way that connects to everybody. It is all about making finance and money simple, fun,

interesting, and relevant to our daily lives.

This Is One Of The Best Opportunities in History For Us

I know many of you might not believe it and several of you might even brush it off as an

overly optimistic thought. But before you do that, read about the wealthiest men in the

history of mankind – right from Laxmi Mittal to Warren Buffett to Dhirubhai Ambani

and how they started their journey of wealth creation. All of them grabbed opportunities

where others didn’t see them. Just because others haven’t noticed an opportunity,

doesn’t mean it doesn’t exist. In fact, since most people haven’t noticed the opportunity,

you can probably benefit so much more by taking the chance.

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