what a fly can teach you about Financial Planning

POSTED BY Jagoinvestor ON December 8, 2011 COMMENTS (30)

Why some idiots don’t Plan out things in life? – Hey, we are not saying this but it’s a message from a “one minute fly” to all of us. The fly is here to ask you one question what do you want to achieve in the one precious, unrepeatable life that you have? Really go deeper and figure out what do you REALLY REALLY RALLY want in your life. What kind of house you would like to live in? What kind of places you would like to visit? What kind of people you would like to meet?

What kind of charity you would like to do? What kind of retirement you would like to have? What kind of wild things you would like to do in your life? What kind of legacy you would like to leave?  We all have one financial life and we should make the most out of it. We tell this to all our coaching clients at the end our financial life will either will be a “warning” or an “example”. It is up to us how we create our financial life like an example.

One of the Financial coaching Principles is “Start living a good financial life rather than trying to live a good financial life”. Personal finance is not about what you are going to do next month or next year it is all about what you are doing right now. 

We would like you to watch a video and learn some life-changing lessons from it; you can learn the importance of planning from a One Minute Fly.

The video “One Minute Fly” Teaches us the true meaning of life.  It teaches us some very important life lessons on how we should live our life.  One of our clients after watching the video said “We are the same as this Fly in the video”, he is so true we are just the same.   We are here on this earth for a limited period of time and we have to do our best.  We have many things to wrap up in the one life we have.

It is therefore important to figure out the important goals of your life and start planning for them.  Let me tell you something. This life goes by so fast you cannot believe it. One day you are 25 looking forward to all that life has to offer it, and the next day you are 52. You suddenly get on the other side of those dreams, looking back and wondering where in God’s name all the time went.

You are lucky if you have more time ahead of you than behind you. If not now than when will you start planning. This is the right moment in which you can start creating your financial life. So step fully into your financial life and start making the most out of it. This is not an article, this is life,  so dust casualness and laziness from your financial life. We want to leave you with a beautiful poem from the movie Zindagi Na Milegi Dobara

If you have eagerness in your heart, it means you are alive,
If your eyes are filled with dreams, it means you are alive
Learn to be free like the wind, Learn to flow freely like the river,
Embrace every moment with open arms,
See a new horizon every time with your eyes,
If you carry surprise in your eyes, it means you are alive,
If you have eagerness in your heart, it means you are alive…

Once you are through with the video take a blank piece of paper and make a list of 100 things that you want to do before you leave this world.  It would be great if you can share some of your dreams and goals with us in the comments section. In this moment you can declare your goals with courage, play for your goals with courage and live your goals with courage. If on your own you are not confident take some professional help, spend some money on yourself and get a financial plan or get a financial coach and start taking actions and make the most of the one financial life you have.  And don’t forget to comment on what did the FLY TEACH YOU.

This article is written by Nandish Desai.

30 replies on this article “what a fly can teach you about Financial Planning”

  1. Gowri Ratan says:

    It was very good article. Thanks for sharing with us

  2. sanket says:


    zindagi na milegi Dobara

  3. readtoawake.com says:

    I am writing to say “Thanks” for your work. Your site is one of the best personal finance sites online…

    I am a beginning student of personal finance and after looking at your website, I am amazed by the vast amount of information that you have integrated into a single website. Thank you so much!

    1. Thanks a lot for your appreciation 🙂 . Keep commenting and contributing .. thats what makes this blog really a successful one


  4. Ruchika says:

    Found a good article on best investment options for 2012: http://www.myfamilyinvestment.com/2011/12/best-investment-options-for-2012.html

    1. nandish says:

      Ruchika thanks for sharing

  5. Deepak R Khemani says:

    There’s an “E” missing in the 3rd REALLY on the 4th line of the article.

  6. Deepak R Khemani says:

    The Big difference between the fly and us humans is that the fly had his to do things list written down ready for him and he knew that he had ONLY a minute, we somehow think that we will live FOREVER(nobody does) for us there is always a tomorrow and as we all know TOMORROW NEVER COMES. By the time we realize, its TOO LATE. A very good article by Nandish and I,m sure we will have many more such eye opening articles form Manish and his team.

    1. nandish says:

      Yes we will write and keep touching new dimensions. Good to see you picked the right message. It is clear in personal finance someday is a CODE for NEVER


  7. Phani says:

    Nice video. Reminds me of the movie ‘DasVidaniya’.
    Just do it..Right now i am listing down the things on a paper..I want to put ticks as soon as i complete each one..Lets see how many can i tick off in 5 years 🙂

    1. Phani

      Good to see action on your side . Just dont make the points ,also let us know what are you doing for each of them RIGHT NOW

    2. Nandish says:

      Phani if you really want to enjoy such movie watch The Bucket List

  8. Nandish says:


    Hope you saw the video in this article.

    Thanks for asking. Honestly some more details are required to know you as an investor however I would suggest you to take SIP route looking at the current market conditions.

  9. samrat roy says:

    SIP in Equity or Lumpsome + SWP (starting only after one completed year ) + SIP ; which is better if you take a time horizon of 15-16 years? please answer….

    1. VIGNESH says:


      I dont understand ur query fully!!!

      if you have lumpsum go for STP (systematic transfer plan) and as well as start an sip when u completed knwing the basics of mutual funds .

      Happy investing!!!!!

    2. Samrat

      Dont complicate SIP , just do SIP only


  10. CodeRed says:

    Hello Nandish… My take on this is life is too short to make mistakes!

    1. Nandish says:

      Great take away.

    2. Phani says:

      Below is a sentence from ‘Jessica’s speech in Twilight Saga:Eclipse’ movie:

      Make as many mistakes as you can. That way, someday, when they ask again what we want to be… we won’t have to guess. We’ll know.

      Read the full speech , it’s really thought provoking..

  11. Nandish says:

    All the best and live a blessed life

  12. Srinivas says:

    Interesting insight. As such one can take inspiration from anything in the world, if one is interested and is ready to. However, the issue is, it is not easy to reach this stage.

    Once in a job, one will come to the firm openion that he is omnipotent and can do any thing. Over a period of time, one slowly comes to know of his limitations and the difference between the possible and difficult. From here there will be three paths. One take something as a challenge and achieve it. Second, donot change anything and drift with time. Third get depressed and go into a -ve cycle and aquire new habits like anger.

    The last two ways are easy and effortless, hence entice most. However, if one follows any of these paths, the end will be dissatisfaction and regret.

    However, it is not that difficult to take the first path. First thing, one has to understnd himself fully, his triggers, his strenghts weaknesses etc. Then set realistic yet challenging goal and try to achieve the same. Once this goal is achieved, try another.

    This is my observation of life. I feel that these goals also can follow maslow’s theory. First security(Fin and others) then societal and finally for happiness of self. If one crosses the initial challenges, establishes self and then helps others, he will realise the full bliss of life.

    1. VIGNESH says:


      well said .. very nice…

      very true one..


    2. ravishankar says:

      Super..Very inspiring sir..thanks..

  13. Life is too short to just writing your goals and pondering over them,get up, ignite yourself and ACTION YOUR GOALS – NOW

    1. vivek says:

      I dont believe in life is too short concept, Avg human span is around 60 that is more than good enough to do whatever u want, if u cant do those by 60 even if u live 100 yrs u cant do it, offcourse that may not be true for those who die young age like 15, 20 or 30 and those who die young will never know that life was short.

  14. CodeRed says:

    Very nice article Nandish!

    1. Nandish says:

      Thanks. What are you taking from this video

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