Time Time Ki Baat Hai – Part 4

Harish : I don’t know where is my life going these days !! I am just running around all the time. Not getting time for myself or family.


Niraj : Ohh…that’s something serious. Take a deep breath and tell me what happened ?


Harish : I get up in the morning , go through all the whatsapp discussions that happened during the night, watch business channel to listen to the experts and then leave for my office.

On my way to office, on the red signal, I put some trades in the market. After reaching office, I get busy with my work. During my lunch break, I again check markets and whatsapp discussions about markets. During my work, I keep checking market levels and my stock prices.

On my way back, I am exhausted. I reach home, crash on the sofa and watch business channel to see what happened in markets all day. Before sleeping, I again check the discussions and recommendations made by my friends in the whatsapp and FB groups about investments. And while reading, I get late to sleep (around 12.30 -1 am).


Niraj : Wow !! You run a super busy day !! You must be making huge money by doing all this !!


Harish : I wish !! But hardly any !! Neither am making any money nor getting time !! Don’t know why this is happening ?? I wish day was 48 hours long instead of 24. Can you help me please ?


Niraj : Well, I will try. Do you know what is your problem ?


Harish : I guess not.


Niraj : You are not able to prioritise your tasks. You need to list down things which mandatorily need to be done by you and get other things done by someone who can do it better.


Harish : You sound logical. Kindly elaborate.


Niraj : In your office, can your core job be done by anyone else ? That you need to do yourself. At your home, can someone else spend quality time with your family ? That you need to do yourself. But other things, like driving your car, doing research on your investments etc , you can hire someone who does it for you. That ways you will get more time so that you can spend quality time with your family.


Harish : Well, I forgot to tell you. I do spend quality time with my family. Every weekend we go to a mall, watch a movie, go to game-zone , have dinner and come back. So that’s taken care I guess.


Niraj : Let me guess some finer details. When you watch the movie, you ask your child to keep quiet and watch the movie. In the game-zone, when your child is playing, your wife is clicking his pics and sending them to friends and relatives on whatsapp and FB , and all this while you are still busy discussing stocks on your FB and whatsapp groups.

While you all go for dinner, by the time the order comes, you give your other mobile to your child so that he can play games on it, your wife is checking on her phone – how many likes have come on FB and you are still busy discussing stocks and investments on your FB and whatsapp groups.


Harish : O my God !! Every word that you said was absolutely right !! How did you know that ?? Were you following us ??


Niraj : I don’t need to follow you. This is what we observe around us most of the times. We think and pretend that we are spending quality time with the family. But the fact is, we are not really WITH each other.


Harish : Then, in your opinion, what should I do ?


Niraj : I think, when you get up in the morning, chuck the mobile and TV. Spend 20-30 minutes doing exercise. If possible , wake up your child too and do exercise with him. This way both of you will spend some time together and also improve your health.

Rather than driving yourself to office, take a cab / public transport. On your way, you can either read up or listen to some music which will keep you energised.

During lunch time, have healthy discussion with colleagues (if possible, slightly different discussion than work). This will actually give you some break.

Once you reach home, spend time with your family. Ask them how was their day, what they did etc. On weekends, play some outdoor / indoor game with your child. This will strengthen your bond with the family and give you relaxation.

Time Time Ki Baat Hai - Part 4


Harish : Wow !! Sounds like a dream day. But what about my investments ?? How Will I manage them?

Niraj : As mentioned by you, anyways you are not able to make lot of money by doing all this hardwork. Why not hire a professional advisor who manages it for you ?


Harish : I had thought about that. But finding an advisor is not an easy job. Doesn’t that eat up my time as well ? Also, I will have to sit with him to review my portfolio every month.


Niraj : I will answer your question in 2 parts

  1. Finding a good advisor isn’t easy, but its worth it. So if it takes some time, spend that. Coz that time will save you lot of time later.
  2. Portfolio review is to be done only once a year. So take out 2 hours once in whole year to sit with the advisor and review it. For rest of the time, let the expert do his job, and you enjoy your life.


Harish : That sounds great. But I remember my father telling me, that we should do our work ourselves. Also, an advisor fees would be an additional cost for me.


Niraj : Your father was right during his times Harish. But you would agree that he didn’t spend so much time on watching TV and mobile as you did. In those days, time was ample. Thus, doing everything on your own was possible. These days, the rarest resource is time. You yourself said that a day should be 48 hours long. I bet your father never said that.

All of us are born with different access to different resources. Some are born with strong financial background, some with weak. But there is one thing that we have all got in equal proportion, that is 24 hours in a day. Those who are successful, manage their 24 hours well. They only do what requires their own expertise. Other things, they get it done. The price you pay for getting things done, is far lower than the value you get by doing important things in that much time.


Harish : Thank you so much for opening my eyes Niraj. You are absolutely right. Times have changed. And we need to change with times.


We look forward to your feedback and comments on the above article.


The Author Prof. Saurabh Bajaj (BE, MBA, FRM, CFGP, CIA, AFGP) is CEO with Nidhi Investments, Mumbai. His articles have a readership from 78 Countries across the Globe. He may be contacted on CEO@nidhiinvestments.com if you have any questions.


(The views mentioned in the article are personal opinion of the author. The characters used in the article are imaginary).






Published by professorbajaj

Prof. Saurabh Bajaj is an Author, Mentor, Motivational Speaker and Wealth Planner. He has done his MBA from Narsee Monjee Institute of Management Studies (NMIMS) Mumbai, one of the top 10 management institutes in India. He holds the prestigious FRM (Financial Risk Manager) degree awarded by Global Association of Risk Professionals (GARP), USA. Till date, there are less than 15,000 professionals in the world, who have been honored with this degree. He has also been awarded CFGP (Chartered Financial Goal Planner) Certification by AAFM (American Academy of Financial Management). After his MBA, he joined J P Morgan, the second largest Investment Bank in the world. He has worked with J P Morgan as Risk Analyst for more than two years. Prof. Bajaj also holds an Advisory certification awarded by AMFI (Association of Mutual Funds of India). During his stint at Bombay Stock Exchange, he has handled Investment Management and Treasury operations of the BSE Corpus. He has set up an entrepreneurship venture in the field of Wealth Planning and Investment Consulting under the name “Nidhi Investments” and holds the profile of CEO. Prof. Bajaj sits on the Expert Panel of CAClubindia.com and MBAClubindia.com as Investment Expert. He is actively involved in investor education through his blog www.professorbajaj.com which has a readership from 78 Countries all over the world. His articles are also regularly published in caclubindia.com , mbaclubindia.com , totalca.com , charteredclub.com, bankbazaar.com and lawyersclubindia.com . He has been awarded the title of “Best Article Writer” from caclubIndia.com in Jan 2012 and has been selected amongst “Top 5 Technical Writers” from all over India in Feb 2013. He has been invited by various TV Channels like SPIN TV, CNBC TV18, UTV Bloomberg Etc for programs like "Expert Advice" , "What Markets Want ", "Budget Analysis" etc. He has been invited by Several organisations like Lions Club, Rotary Club, Agrawal Welfare Foundation, Rajasthan Mandal, Agroha Vikas Trust, Union MF, UTI MF, Arthamitra Gurukulam, Vidyalankar Institute of Technology etc for expert lecture on "Smart Investing", "Life is A Celebration", "Financial Freedom", "The Digital IFA" etc. He was ranked 8th Merit at All India level NMAT which got him selected for MBA programme at NMIMS, Mumbai. He did his MBA with Capital Markets as his specialisation. Soft Skills has become an inevitable part of every selection process and teaching learning process these days. The students from small towns and tier II cities, in spite of being talented and well equipped with technical skills, are seen struggling in the selection process. This is because of their lack of exposure to these soft skills. Mr. Bajaj has a zeal for training candidates to develop these skills and has been imparting the same on since last two years. This zeal and passion inspired him to set up his own firm called “Knowledge Circle” which aims to train candidates for soft skills. Till date, he has trained more than 5000 participants from over 220 organizations across various fields of soft skills. He has been associated with MSBTE (Maharashtra State Board of Technical Education) to conduct Soft skills training workshop for the faculties of Polytechnic Colleges in Entire Maharashtra (Mumbai Region, Pune Region, Aurangabad Region and Nagpur Region) since last 8 years. He has also been associated with ICAI (Institute of Chartered Accountants of India) for training CA Students on various topics related to Communications skills, Group Discussions etc. He was invited by Fr. Agnel Polytechnic College, Vashi for a motivational workshop for faculties. He was also invited by Vivekanad Polytechnic College for "Communication Skills and Email Etiquette" training for non-teaching staff. Apart from these, he has conducted “Capacity Building Soft Skills workshop for Faculties” at ITI Gunj, ITI Pusad, ITI Digras and ITI Umarkhed. This was the first ever soft skills workshop for faculties in the history of ITI’s in Vidarbha. He was also invited by Shivaji Education Society to conduct similar Soft skills workshops for the faculties and office staff of Shivaji Junior College Pusad, Shivaji High School Pusad, Shivaji Vidyalaya Belora and Shivaji Vidyalaya Bhojla. He has conducted training workshop on “Effective Presentation Skills” for the relationship managers of HDFC Mutual Fund, Andheri Branch, Mumbai. He has also been invited at College of Management and Computer Science, Yavatmal, College of Dairy Technology, Warud, B N College of Engineering, Pusad, B D College of Engineering, Wardha, College of Engineering and Technology, Akola, Dr.N.P.Hirani Institute of Polytechnic, Pusad etc. for the Guest lecture on “Developing Interview Skills”.

34 thoughts on “Time Time Ki Baat Hai – Part 4

  1. Very well written. The only thing we keep complaining is the lack of time. Noone focuses on quality use of time.

  2. Very well articulated. It’s a reality in time of. Not spending quality time with family and not hiring professionals for our investment. Saurabh is a brilliant writer and brilliant investment plannner

  3. Time management is the key to happiness and success – wonderfully explained. Plz do keep us posted with every new article of yours.

  4. Well said professor. You should be appointed as advisor and the biggest consumption of time is because of social media and mismanagement. Advisors like you can make the person and his family very much happy and close. Keep writing and sending your thoughts 👍🏼

  5. Very well written Saurabh Bhai. If you take of Doctor for your body’s health than why not take Services of Professioanal for your Financial Health

  6. Very realistic approach and observation and this happens in everyone life today. With more of social media entering our lives, we are not prioritising our lives to be social with our family.
    Also you have mentioned health, exercise and family time equally important as investment which is indeed useful for a common man to relate and understand.
    You also highlighted that financial advisor can provide consulting and counselling both together.

  7. Wow story of a common man’s life has been captured to perfection in this article.
    Thoroughly enjoyed the reading.

  8. Perfect….articulated based on current scenario …worth it and eye opening for those who thinks they save money by DO IT YOURSELF attitude…transferring responsibility to expert is real solution in current scenario were time management is critical

  9. Absolutely speechless for feedback
    Its not an article but todays truth life is having a gaint space for family nd fun buf actually occupied by gadgets.
    Reality has comeout in face of words in this article

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