Writer : Shikha Tailang
Adani’s 50-30-20 Rule – A Simple Mantra to Change Your Life.
Summary :
This story is based on the financial problems of three friends – Kapil, Raunak and Karanji – and the advice they got from crorepati Adani. Adani’s 50-30-20 formula (50% needs, 30% investment, 20% luxury) gives the mantra of balance in life and financial success. This story highlights the understanding of common middle class life, struggle, savings and investment.
Let’s read this story in detail based on the success mantra of crorepati Adani –
(AI genrated translation of करोड़पति अडाणी की नसीहत)
Kapil Trivedi, Raunak Sharma and Karanji Mansukhbhai lived in Shahi Bagh area of Ahmedabad. Kapil was a salaried person and was a supervisor in a cloth mill. Raunak Sharma ran a tea stall in the Kalupur area and Karanji was a salesman at Nirmal Saree Emporium. These three had the same problem whatever they earned, they could barely make ends meet. Then there was the burden of household. Due to low income and high expenses, problems arose every day.
Kapil had the problem of paying his elder son Tanmay’s IT college fees. He had to pay Rs. 80,000 as semester fees by the 10th of this month. He was thinking of taking a salary advance from his mill to arrange for this fee. Although they had 30 thousand rupees, they were sweating thinking about arranging for the remaining 50 thousand rupees. As Tanmay grew up, his expenses also increased. There was also the matter of friendship. Whenever Tanmay asked for pocket money from his father, sometimes he would give him some money and sometimes he would scold him. Due to this, the atmosphere of the house was also tense.
Raunak Sharma’s wife Malti had to buy a refrigerator given the intense heat. Then her neighbor Lata Goswami bought a good 180-litre blue color refrigerator about ten days ago. She was upset that Lata bought a refrigerator but why was she not able to buy one. When she asked her husband to buy a refrigerator, Raunak said. God! I run a tea stall. Firstly, I cannot get a loan and secondly, my income is not so much that I can increase my expenses by keeping another elephant. Now live with whatever is there.
Now about Karanji Bhai! While working as a salesman, he used to get a commission on sales in addition to his salary at the end of every month. But by the 10th of the next month, everything was the same. Then the husband and wife used to spend their days fighting in front of their two children Mohan and Malti. Their wife Meera also used to curse him for earning less. Neither her desires were being fulfilled nor the children were being brought up properly.
Amidst such challenges of life, one day something strange happened. Although these three neighbours had a deep friendship and were also aware of each other’s joys and sorrows, their problems seemed endless. But a miracle or fortunate event occured one day! Such a coincidence happened because of Karanji Bhai!
That evening, Karanji Bhai was working as a salesman in the saree emporium, when a big luxury car stopped in front of his establishment. He got down from it. Ramesh Bhai Mangatram Adani, a famous industrialist of Ahmedabad, and his family of three. Wife Saroj, son Gautam and daughter Monika.
Adani was a famous crorepati businessman ! He had seven luxury cars for use on different days of every week! There was a bungalow spread over 4000 square feet in Shahi Bagh. Eight to ten servants lived in the bungalow for service. His main business was the diamond trade and he had three grand showrooms of his jewellery in three main areas of the city!
Karanji was overjoyed to see such a big customer coming to his emporium. He understood that something special was going to happen in his life today. Adani Bhai would do a lot of shopping and he would get a good amount as commission at the end of the month. So, as per the instructions of his emporium owner Nirmal Bhai Parmanand Patel, he took great care of Adani and his family. This kind of hospitality made Adani happy.
After having tea, Adani said – It is our daughter’s engagement. We need six good quality saris.
Karanji said – I will show you right now, Sir!
After this, he took out saris of very good quality. Adani and his family liked seven saris from the saris shown by Karanji. The bill for these saris was around nine lakh rupees. Even before the payment of this amount, Karanji packed the saris and handed them over to Adani.
Adani was very impressed by Karanji’s behaviour. It is impossible for a Jauhari of diamonds not to know human beings. Adani understood that Karanji Bhai has an excellent nature but also has some problems. Sensing Karanji’s mood, he asked him personal questions like – since when have you been working in the saree emporium? Are you able to make ends meet with the salary or not? Etc. Etc.
(To be contd….)
