Page 6 - eBook

LESSON 1

MINDSET

It’s hard to be different. Being surrounded by friends and family who do not talk
about paying off debt, saving, and inves�ng, it can feel scary; it can seem as if
it's out of reach. Some�mes it can seem like make-belief. There is nothing I

wouldn’t do for the wonderful parents who loved and raised me, and it is no
fault of their own for not knowing how to invest. But that is not an excuse for

me, I cannot blame my parents for not knowing, I cannot blame our school
system for not teaching me about money nor should I blame myself.

I s�ll remember how mad I was when I first found out how much money the
banks make from me in fees. It felt like I swallowed a rock, and the feeling got

worse when I found out how much money the banks make with mutual
funds.They take home all the profits and leave you with nothing; I remember
si�ng in front of my laptop clenching my teeth asking myself how I can beat the

bank.

There is always something you
don't know because they never
taught you; and that's okay!

What's not okay is choosing to be
arrogant and pushing away every

a�empt to learn and become
financially literate; this is my first
lesson. The only way to

breakthrough, the only way to
make a change, the only way out

of the rat race, is to be different.
But being different is hard.

Sankeethan Ratneswaran – 2021 Copyright 06