Showing posts with label Wealth. Show all posts
Showing posts with label Wealth. Show all posts

Thursday, 2 July 2026

Today, society is sick, and we, the people in it, are sick too.

The issue is that what is best for public health, and what is most profitable, are often completely at odds with each other.

And then since almost our entire society is oriented around maximizing profits, with absolutely no regards for the negative impacts on public health…

Almost everyone ends up stressed out, tired, trying to manage chronic issues, anxiety, burnout, depression, addictions, obesity, and so on.

When the profit motives get involved, and doctors are in it for the money, and drug lobbyists are in it for the money, and pharmaceutical companies are run to maximize the profits of a few, and not the health of the many… 
Well then you end up with doctors overprescribing opioids, and enriching the Purdue family while a public health crisis is made even worse.

And it’s not just medicine that ends up sick and twisted in that way by the profit motive. 
The transportation industry pushes for a car centric society and not walkable cities and bike lanes. 
Pollution overall is quite profitable, plastic is cheap and competitive, so almost every company sells plastic stuff, and the public health issues with microplastic pollution being everywhere, including our blood, are kind of brushed aside.


Food is kind of important if you want to stay in good health. 
Fresh fruit and vegetables are good for your health, we know that.

But also, perishable fresh fruit are a nightmare for the food industry. It’s not just much harder to store fresh produce, and to deal with logistics, when you switch over to processed junk food, it’s also less satiating so you can sell more, people are willing to pay more, it’s more addictive, it makes more people come back, it’s less work, you can piggyback off the ads from the junk food companies and display their logos to lure people in, and so on.

Making a restaurant that sells some kind of fresh fruit and vegetables based stuff is overall very low profits. Replace the veggies with something like fries from the freezer and oil and salt that store a long time, and you can increase profits. Replace the fruit with sugary artificial fruit flavored ice cream from a big brand, advertise it with one of their signs, and you can increase profits. 
Push people to drink a cocktail, some alcohol, or a soda, instead of tap water, and again, profits increase while public health outcomes decrease. 
After the salty junk food, you can offer a dose of caffeine, and push people to eat a big dose of sugar, and again, that’s where the profits come from.

You could start off in the restaurant industry, full of hopes and dreams, imagining that you’ll make people slightly less sick than the rest of the junk food places. But when every other place is using all the tricks they can to maximize profits, and rents and costs are increasing, and many customers are more attracted by junk food than by veggies… Well, either you end up kicked out of the industry by market forces, or you end up broken, having to make concession after concession, inevitably driven towards being a provider of addictions, considering whether adding a tobacco machine might help drive traffic, wondering if you are allowed to install a one armed bandit, or sell some kind of gambling addiction or something, just trying to find some way to make ends meet.

When adding extra sugar and salt to everything increases revenue by a lot, then in a profit-maximizing economy, if you want to be part of the food industry, you end up forced to do it.

When there is a guy selling drugs, and another selling salad, the guy who is selling addictions can increase prices much more, and get repeat customers much more easily than the one selling salads. There is more money to be made cooking meth or making coffee and serving alcohol, than you can make from cooking a healthy vegetable soup.


What is the education budget spent on teaching people healthy eating habits, vs the budget spent on ads and marketing for junk food that makes people sick?

One is much less profitable than the other.

How is your job organized? 
It’s probably a for-profit corporation. 
So your breaks are kept to a minimum regardless of the impacts on your health, you might have to pee in bottles, or go through “crunch time”, and both your mental and physical health are likely going to be sacrificed at every opportunity in order to maximize profits. You’ll be treated as a human resources, to be strained to the maximum, and then discarded if broken. Schedules and deadlines will be set without regard to how much stress it causes you, just based on what is presumed to maximize profits. You might get something like free access to caffeine in order to boost your productivity, and you might get stuff like emails or phone calls during your free time, weekends, and holidays. 
Sometimes some efforts might be made to keep some people from burning out too quickly, but it’s a purely profit based thing, based on how much it would cost to train a replacement or automate the job. If a pizza party here and there helps cut down on turnover costs a bit, it can happen. 
But overall, straining people, and then discarding them and trying to replace them with someone fresh, young and dynamic if they ever stumble and can’t keep up, is just the normal way of doing business, of maximizing profits.


High inequality and poverty leads to more health issues, diseases, addictions, lower life expectancy and so on. 
It’s very well studied, if instead of ensuring that everyone can have a decent standard of living, you give all the money to a couple of wealthy people, and have everyone else live in poverty, public health declines.

But it’s also just the way that the profit motive distorts every industry.

Sports is supposed to be good for your health. Moving a bit, doing soe exercise, great idea, no?

But then you add in the profit motive… 
And then instead of sports being a kind of physical exercise that you do in order to remain healthy, it morphs into something that you watch on TV while sitting on a couch and consuming junk food, a way to sell you merch, and get you to drink more beer, something to gamble on, something that warps the entire college and education system, something where even the athletes who manage to resist doping themselves too much end up strained so hard that it becomes unhealthy.

And once broken, they too are discarded, and replaced by young and dynamic fresh blood.

When sports isn’t just something you consume on TV, but participate in, that’s the ideal that is sold: Sacrificing your health trying to make some millions, before being discarded once you break. 
Getting famous so you can turn around and push some products onto people who watch you.

Some old guy who is doing regular exercise via sports, and keeping in good physical shape until late in life? It’s not what maximizes profits.

When some exercise is done, then with the for-profit motive, that too becomes distorted.
There isn’t really much money to be made in telling someone that they can exercise topless, but selling them some fancy specialized sportswear, and all sorts of weird gadgets and machines and shakes and supplements and powders and so on, subscriptions to treadmills, that is more profitable than a walk in the park.

Instead of getting bike lanes, you end up taking the car to go pay a subscription to use an indoor bike, and a bunch of people trying to convince you that it will all be for nothing if you drink a glass of water without any added supplements.

It’s a whole for-profit industry, it’s not for public health.


You as an individual, when you make choices, maximizing your long term health outcomes, or minimizing your short term costs, are going to be at odds with each other almost all of the time.

For any company that has employees and customers, same thing, public health and short term gains in the next quarterly report are at odds.

For any government too, investing in infrastructure that improves long term mental and physical health outcomes is directly at odds with doing austerity politics, and/or trying to maximize tax revenue.

If people take the bike lane to the public park, and then do some exercise there… It means you pay basically nothing for that trip. There isn’t really any profit being made, or much money changing hands, buying the bike would be the biggest investment, but it’s not much.

But then some of the people drilling for oil are not needed anymore, profits drop there, the gas station is less profitable if you use the bike, the fitness industry is not getting a subscription from you, no tax is being paid there either, no profits, no employment. 
You can drink some water from a public fountain at the park, and again, if you are not drinking some soda, or gigantic coffee, or some exercise drink, or energy drink, or something like that, it’s entire industries that vanish, tax revenue that crumbles away as the addictions to sugar disappear.

If you are less sick and obese, then that’s again at odds with the healthcare industry, and the profits of the pharmaceutical companies.

If you are privileged enough to be in a place where you can still buy seasonal fruits and vegetables from some local market, and you do that, well that’s horrible for the junk food industry, and the fast food places, and the supermarkets and other retailers, and the shipping industry, and the factories who manufacture the high fructose treats, and so on.

Every addiction that you abandon is an industry that suffers, and a lost opportunity to profit.


Today, society is sick, and we, the people in it, are sick too.

Because the whole thing and almost all of our behaviors are oriented for selfish monetary profits, and not maximizing public health, meaning our own health.

Maximizing profits means that people always trend towards scams, selling addictions, subscriptions, ineffective band-aid solutions, and even creating problems, manufacturing needs, insecurities and so on.

We sell addictions and junk food and debt to each other, we all end up poor and sick, with only a couple of people sitting on big piles of money.

But if anyone suggests changing anything… Well, it threatens our jobs, our income sources! 
It threatens our lifestyles as isolated fattening people who are collecting addictions and subscriptions and chronic health issues of all kind. 
It threatens profits, passive incomes, tax revenue and power for politicians, it threatens the financial system, and the profits of every industry. 
It threatens the status quo.

Most people just don’t really want to envision a world where we do anything else than selling each other addictions, and creating problems so we can sell solutions and subscriptions, and where people are not constantly threatened by violence and expulsions and foreclosures and getting fired, and strained and pushed 40+ hours per week.

Everyone trumpets around about the value of “hard work”, as if having some time off and spending it with friends and family and taking care of your health was some kind of a crime, people are accused of the sin of laziness if they suggest we could all work less and be better off.

You must work hard to create addictions and sell junk, so that you can then afford to buy your own health problems, consuming as much stuff as possible, until it makes you sick, and leaves you broke, and/or broken.

It’s declared to be the one and only way of life, the very best use and distribution of resources, and making us all very wealthy.

Monday, 16 June 2025

How can I become rich?

We’re 7.6 Billion people in the world.


Growth won’t stop anytime soon.


The population is projected to grow +1 billion in the next 10 years!


Millions wake up daily and hustle to become rich.

Millions are trying to do unethical things to become rich.

Millions are trying to get elected to a government position to become rich.

Millions are in college today to find that “secret recipe” for becoming rich.

How can I become rich (stand out) in this world among billions of people?


Let me explain with a soccer analogy:



This is a perfectly LEVELED playing field.




Which team will win?

Obviously the team with the best players.

Those with the best abilities.

Those gifted to be faster and stronger, plus who work hard to master the game.

Agreed?

The advantage is obvious; a team of professional players will always win over a small high school team.

This is exactly what millions are still learning in college today: how to become “professional” soccer players.

Now picture this playing field:






Now which team will win?

It’s NOT a fair game anymore, correct?

In business it’s called DISRUPTION!

The team that scores to the left goal has to go uphill to score.

The team that scores to the right goal will score with a fraction of the effort.

What does this mean?

The world HAS changed.

The economy HAS changed.

It’s virtually IMPOSSIBLE to achieve financial wealth if you still play as a normal “soccer player”.

To understand the new rules of the game you need to learn the new rules of the Digital Age and develop a new mindset.

Let me further explain:


Wealth is NOT created by hard work anymore.


IT’S ALL ABOUT LEVERAGE! You:

Leverage other people’s time.

Leverage other people’s money.

Leverage other people’s talents.

Leverage the power of scalable tools.

Welcome to the Digital Age! New economy! New game!


Ways of creating wealth have changed:

In the Agrarian Age, wealth originated from using nature.

In the Industrial Age, wealth originated from using machines.

In the Information Age, wealth originates from using information and knowledge.

To become rich you must master the new rules, the new opportunities and play the new game!

Thursday, 12 June 2025

Various Income Streams

WARNING: Not all income leads to financial freedom.

Understanding the different types of income, their sources, and how they are taxed is key to building wealth and achieving financial independence.

Here’s a list of them:

To answer your question, how can you create multiple incomes?

The only way to create multiple income streams is by deeply understanding how money is made.

Here is an example of each type of income, all following the same business (a food truck).

Employment: A cook who works for a food truck business and receives an hourly wage from the food truck owner.

Freelancing: A freelance chef who offers occasional party catering services with his own or rental food truck.

Solopreneur: A solopreneur who starts their own food truck business and operates it as a one-person operation, handling all aspects of the business from cooking to marketing to finance.

Entrepreneurship: An entrepreneur who starts their own food truck business, hires other chefs and staff and operates multiple trucks.

Investment: An investor who buys shares in a publicly-traded food truck company and earns returns on their investment.

Rental Income: A landlord who rents out food trucks with a parking space and collects rent payments.

Royalties: An author who writes and publishes food truck cookbooks and earns royalties from book sales.

Passive Income: An investor who provides capital for a food truck business and earns a share of the profits.

To create multiple income streams, deeply analyze each of these eight options and focus on the two or three that you have the best skills and resources to accomplish TODAY.

Which will you focus on?

Share below!

#BeBusinessSmart


-Hector Quintanilla


Hear me out all females

Thursday, 8 May 2025

“I worked really hard and yet I failed”


This is one of the most common line I have ever heard from people.

Most people assume that one cannot achieve success despite putting in the hard work and success really depends on luck.

However the real problem is that most people cannot distinguish between manual labor and actual hard work.

Most people are stuck doing manual labor which fetches them no result.

Success on the other hand highly depends on what I call “High Impact Activities”.

A majority of people ignore these “High Impact Activities” because they are “Hard”.

Now don’t get me wrong, here hard activities does not mean they take effort, its just that they are least pleasant to do.

Hence people try avoiding these activities and focus all their energy and effort on low impact activities.

Lets take an example for both HIA and LIA:

In business context:

HIA: Cold calling customers, selling them products on the phone or reaching out to new customers, following up new leads.

LIA: Designing logo for your website, spending time to learn so called “productivity tips” from YouTube after wasting hours on designing the logo which you could have outsourced on fiver for $5.

In a student context:

HIA: Focusing on the most important yet hard topics and understanding them thoroughly.

LIA: Spending more time on easier topics, topics which you already know well.

In a newbie programmers context:

HIA: Working on a personal project which involves building something.

LIA: Reading and searching for answers on sites, deciding which code editor to use, debating on which programming language is better.

I hope this gives a clear idea of how High Impact Activities are different from Low Impact Activities.

If you compare them both, you will find that both of them take the same amount of effort to do.

However if you take a look at HIA, they are not very comfortable or pleasing to do.

Designing a logo for your business seems like a nice idea while cold calling a client sounds rough and hence people tend to deviate towards things that are of less importance just because they find pleasure doing them.

High performers on the other end know what activities would create the most impact for them and hence they are willing to do them irrespective of how un-pleasurable they are to do.

Doing hard work does not mean working like a donkey on some simple things.

Here is what hard work looks like:

  1. Deciding and doing something which you know is not pleasurable but can give you the maximum results.
  2. Taking risks in all walks of your life, switching careers if the current one does not pay you well.
  3. Taking hard decisions, making a complete shift in the way you operate and think.
  4. Taking responsibility, hiring people, or learning some new skill which can change the course of your career.
  5. Being able to manage and make the most efficient use of your time.
  6. Being consistent for years doing anything, be it at a business, learning new skills, or working out.
  7. Doing something which you have never done before, or doing something where you are uncertain about the outcome.

These are the actual activities which can be termed as hard work.

The day you understand the difference between manual labor and real hard work is the day when your life would change completely.


-Saurav Sharma


Firstly, stop creating false beliefs in your mind

Friday, 25 April 2025

You can only improve things which you measure

You can only improve things which you measure

Let’s say you want to improve your ability to focus.

After a couple months, you wont be able to tell if you have made substantial improvement unless you have some metrics to measure.

You can only say you improved your focused work hours by x% when you have the data to back it up.

To have that data, you must track measure and track something which proves your performance.

For example, on day 1 you can say I worked for 1.5 Hours in a focused manner. You can keep tracking it every day, and can measure your progress.


-Saurav Sharma


Things Not Worth Anyone's Time

Sunday, 20 April 2025

Stay humble

Stay humble: I’ve seen people fill up with pride like a hot air balloon when they achieve a teeny bit of success. They get a huge ego boost, they start considering themselves as some kind of god who knows it all and can never fail however thinking that is a recipe for disaster. Yes, you must celebrate your success but you should also realise that there are tons of successful people that are way ahead of you and have done a lot more than you did. Only then you will be able to think ahead in life. When you be humble and realise that your success is nothing as compared to others, only then you will be able to reach to the level of people who have achieved a lot more than you.


-Saurav Sharma


People Develop Their Attitude Depending on........

Karma's Role In Unemployment

Friday, 14 March 2025

Rich people work hard or is it just luck ?

Wealth creation is rarely about individual effort alone or pure luck—it's typically about intergenerational advantage. It is not "hard work vs. luck". It is more about how a family can work in tandem to build an advantage over multiple generations. Rich people pass on wealth, wisdom and connections to the next generations, while poor people don’t pass much.

We live in an instant-everything world where we assume that wealth is built in a few years. It doesn’t happen that way. Advantage of any kind is built over generations often taking a century or more. The ones who have the patience to think this and plan for not just themselves but help their kids and grandkids tend to be successful.

The Multi-Generational Path to Wealth

A typical wealthy family today often traces back 3-4 generations:

  1. The great-grandfather might have started with nothing, working himself to exhaustion but prioritizing education for his children
  2. The grandfather could secure stable employment, moving the family away from starvation
  3. The father, with better education, could take calculated risks and build connections
  4. The current generation inherits not just financial capital, but social capital, business networks, and opportunities

This pattern appears consistently across successful families. Consider these examples:

  • The Tata family built their empire over two centuries, starting with trade during colonial times
  • Bill Gates benefited from his mother's IBM connections
  • Elon Musk's father (who owned mining operations) provided early advantages
  • Even historical figures like Mahatma Gandhi benefited from educational privileges most Indians couldn't access

Family Stability as Economic Advantage

The primary way to build the multigeneration advantage is at the family level. Poor families often have absentee parents, often drunkard husbands. My father used to work in rural development activities of his bank when I was a kid and as I visited the families of poor. The thing that always struck me was how different the fathers were from those in successful families. If the fathers think in terms of multiple generations of slowly building an advantage, the family gets a substantial boost.

Research shows a growing "marriage divide" that reinforces wealth disparities:

  • Middle and upper-class Americans [and Indians] have higher marriage rates and more stable families
  • Working-class and poor Americans experience higher rates of family instability and single parenthood
  • This divide didn't exist before the 1970s but has grown significantly since
The Marriage Divide: How and Why Working-Class Families Are More Fragile Today
Editor’s Note: This research brief is an edited version of a research brief prepared for the Opportunity America-AEI-Brookings Working-Class Group. Go here to read or download the full brief. When it comes to marriage and family life, America is increasingly divided. College-educated and more affluent Americans enjoy relatively strong and stable marriages and the economic and social benefits that flow from such marriages. By contrast, not just poor but also working-class Americans face rising rates of family instability, single parenthood, and life-long singleness. Their families are increasingly fragile and poor and working-class Americans pay a serious economic, social, and psychological price for the fragility of their families. 1 The Fragility of Working-Class Marriages and Families Before the 1970s, there were not large class divides in American family life. The vast majority of Americans got and stayed married, and most children lived in stable, two-parent families. 2 But since the 1960s, the United States has witnessed an emerging substantial marriage divide by class. First, poor Americans became markedly less likely to get and stay married. Then, starting in the 1980s, working-class Americans became less likely to get and stay married. 3 The current state of marriage and family life and the class divisions that mark America’s families can be seen by looking at contemporary trends in marriage, cohabitation, nonmarital childbearing, divorce, children’s family structure, and marital quality. One of the most dramatic indicators of the marriage divide in America is the share of adults age 18–55 who are married. Figure 1 indicates that a majority of middle- and upper-class Americans are married, whereas only a minority of working-class Americans are married. This stands in marked contrast to the 1970s, when there were virtually no class divides in the share of adults married, and a majority of adults across the class spectrum were married. 4 At the same time, Figure 1 indicates that working-class Americans fall almost halfway between poor and middle- and upper-class Americans when it comes to the share who are married.* When it comes to coupling, poor and working-class Americans are more likely to substitute cohabitation for marriage. Figure 2 shows that poor Americans are almost three times more likely to cohabit, and working-class Americans are twice as likely to cohabit, compared with their middle- and upper-class peers age 18–55. Taken together, these figures suggest that lower- income and less-educated Americans are more likely to be living outside of a partnership. Specifically, about six in 10 poor Americans are single, about five in 10 working-class Americans are single, and about four in 10 middle- and upper-class Americans are single. However, when it comes to another fundamental feature of family life—childbearing—working-class and especially poor women are more likely to have children than their middle- and upper-class peers (see Fi

Two-parent households provide substantial advantages:

  • Shared parenting responsibilities reduce exhaustion
  • Combined resources and focused attention benefit children's development
  • Long-term planning becomes more feasible with dual support

The Cooperative Advantage of Wealth

Rich people also tend to do work in a group settings better. Poor communities are often scattered in terms of their work and far more prone to infighting. This allows the rich to support each others children in a quid pro quo arrangement as they all want similiar things. Since they all think long term in terms of advantage, they can work in cooperative settings better.

Wealthy communities demonstrate patterns that reinforce advantages:

  • Better ability to work cooperatively toward shared long-term goals
  • Mutual support networks that benefit each other's children
  • Common values around education, career development, and wealth building

Meanwhile, poverty often forces short-term thinking that makes cooperation more difficult:

  • Immediate needs take priority over long-term planning
  • Diverse urgent priorities make community alignment challenging
  • Limited resources can intensify competition rather than cooperation

This creates a middle-class squeeze where upward mobility becomes increasingly difficult—caught between established wealth networks above and fragmented support systems below.

The question isn't simply about who works harder. It's about understanding how advantage accumulates across generations, creating systems where some people's work yields far greater returns than others in similar or even more demanding roles.

As a reader you could point to exceptions about families with hardworking parents but poor and vice versa. It does happen, but it doesn’t last very long. In a couple of generations, the hardworking family eventually gets to the wealthy track while the ones that are throwing away their advantages will get back to poverty.


-Balaji Viswanathan


Luck or Hardwork ?

 

Current GDP and Economy

The first thing to understand is that economic activity is just activity, and that just looking busy, doing more stuff, isn’t a useful goal ...