Excerpts from my chapter in the book “Destiny By Design”
LEARNING THROUGH TRIALS AND ERRORS
Financial freedom for me is a combination of pursuing my passion with flexible working hours and living within a budget. I have learned several life-changing lessons during this journey. I want to share these lessons with the readers in the hope that you find them useful.
Lifelong Learning is an Investment
Those initial years in Mumbai involved a lot of travelling for me, since I was working as a consulting orthodontist with different clinics. I distinctly remember this one sunny, tiring day when I was waiting for a local train and huge crowds of people were running towards their destinations. I was standing close to a book stall, and saw a magazine named “The Intelligent Investor,” which now goes by the name “Outlook Money”. On the cover page of that magazine, it had the title “How to buy a house”. I picked up that magazine and, on my journey from Vashi to Charni Road, read that book from cover to cover. Then I read it again. I wouldn’t know until a few years later how impactful that article had been. Some other books which helped me during my journey and made me the person I am today are “Millionaire Next Door” by Thomas J. Stanley, “Creative Visualization” by Shakti Gawain, “Atomic Habits” by James Clear, and “Influence” by Dr Robert B. Cialdini. The learnings from these books are eternal and can be applied in all spheres of your life, irrespective of who you are and where you come from.
Buying a house was a decision that required a lot of deliberation, since no one knows when the right time is to buy one. At the time of purchasing our house, we were supposed to make a payment of 10,000 in cash to the broker, but there was a limit during those days on the withdrawal amount from the ATM. This confirmed my experiences from childhood, that we need to be better prepared ourselves.
After doing some years of visiting practice and travelling around, I realized I was not very happy professionally and I wanted to set up my own Orthodontic clinic. I also remembered my father’s wisdom - “Be in control of your own business”. One of my criteria was that the clinic should be close to my residence, because I wanted to avoid Mumbai commuting. I was fortunate, and I got the premises for my clinic in the same building.
One issue in our education system is that our schools and colleges don’t teach us how to manage money or our personal finances. Being from a business family and having gone through tumultuous times, I was very lucky to know the value of every single rupee. Without financial education and putting in the hard work at a younger age, it becomes difficult to realize the value of money.
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Thanks a lot for sharing this excerpt. Our family is quite impressed by your professionalism and your communication style. I am looking forward to reading this book.
Thank you Piyush for your comments
Wonderful article Dr Seema!
Two key points which resonates with me are:
1) That we need to be better prepared ourselves.
2) One issue in our education system is that our schools and colleges don’t teach us how to manage money or our personal finances
Thank you Kunal for putting your words so nicely
Excellent! Thanks for sharing. It inspires the youth like us and keeps us motivated through the tough times. Will surely give it a read as well as the articles you mentioned.
Thank you Komal
Kudos to Dr. Seema,
Thanks for sharing your inspirational & motivational thoughts. School & college never teaches us how to manage our finances, Actual learning starts from the society.
Thank you Ashish
This brief excerpt itself sounds interesting Dr. Seema… looking forward to reading your book and learning your insights:) Thank you for sharing your experiences… very inspirational indeed 👍🏼
Thank you Bhairavi for your comments.
Looks like a must read.some practically useful tips as you graduate out from student life to an adult.that too in professional life are most wellcome.Life is different yet practically the same for each one of us. kudos to Dr Seema for writing it out on paper.Not many of us can do that.No wonder it is already a best seller
Thank you Jaya for your comments
It’s amazing feeling when a medical practitioner translates her paradigm to book writing. After going through the ideas and thought process, it makes anyone happy with interesting contents in the field of economic planning and financial independence especially for a woman to build her future in a positive direction. My all blessings to Dr.Seemaji in her quest of success. Good Luck.
Thank you Mr Praful for your comments
That was inspiring and very insightful! Looking forward to reading your book!!!!
Thank you Sneha
Wow ! Wonderful article. Exerpt itself looks so promising. Looking forward to read your journey and accomplishments of your goals. Good luck for the destiny designed by you👍
Thank you Ma’am for your comments
It’s really very interesting and amazing , all what you shared, no one can imagine the real story of your life…. behind Dr.Seema Bansal… it shows that you worked very hard , with your all principals, honesty, discipline,your economic planning, to think about future , your planning can motivate others also. Our school never ever teach us ,how to plan financially, or how to manage
Independently . Personally I know you as a doctor, mother,you was strict
& discipline by nature in your line, …..but but you are damm….sweet , kind specially very soft hearted person to all patients, kids … sharing and caring doctor, and always always helpful to each and every one, that i marked ….. You believe in natural smile for every kid…..
May be all these special quality is the biggest achievement of your life,
I know you since …2006 ..and definitely me, my family trust you a lot , a lot.
Thanks Dr Seema
.for everything, my both daughters learnt many things from you… Personally.
The way you wrote, i think you should write little more …
It gives inspiration to all of us..
Thanks dear for sharing your personal life with us..
Thank you Ma’am for commenting
Nice Article, Definition of Financial freedom explained excellently.
Thank you Mahesh for your comments
Excellent, So inspirational 👍
Thank you Shraddha for your comment
Thankyou Shraddha for commenting
Really inspiring
Thank you Jiya for your comment
Wow 👌
It’s very thoughtful 😌..the way you expressed each And every thing about financial responsibility ,being more independent .. really liked 👍 motivational and impressive 👏.. Thank You 😊 for sharing with us .
Thank you Nitisha for commenting
Amazing Dr. Seema!!
Thank you Shweta for commenting
Kudos to Dr. Bansal that
despite her busy schedules, she has chosen to share invaluable Tips from her personal experiences.
I am positive that the Book would give in depth ideas on achieving Self Growth and Goals in life, to every reader.
I wish her all success 👍😊💐💐💐