Is the Age of “Politically Correct” over?


The Cambridge Dictionary defines “Politically Correct” as “Someone who is politically correct believes that language and actions that could be offensive to others, especially those relating to sex and race, should be avoided.” Lessons are given to diplomats, sports person and corporate managers on how to speak, behave and act when they go to another country so as not to offend their hosts. By way of example, criminals are called “unsavoury characters” while “Clumsy” is referred to as “uniquely coordinated”!

The question that is now being asked in various quarters is whether what is politically correct for one group of people is necessarily correct for another?

Paul Krugman wrote that “the big threat to our discourse is right-wing political correctness, which – unlike the liberal version – has lots of power and money behind it. And the goal is very much the kind of thing Orwell tried to convey with his notion of Newspeak: to make it impossible to talk, and possibly even think, about ideas that challenge the established order.”

President Trump is redefining the ways he will engage with world leaders and influential people much to the chagrin of so many politicians, journalists, commentators and those who did not vote for him. His tweet on his forthcoming meeting with the President of Mexico “If Mexico is unwilling to pay for the badly needed wall, then it would be better to cancel the upcoming meeting” must have sent shock waves in the diplomatic establishment of USA who are probably used to working through the labyrinthian corridors of diplomacy to set up meetings and where a cancellation of a meeting is deemed to be a diplomatic slap in the face. Why Trump chose to speak to Prime Minister Modi before he spoke to the “more important” leaders of Russia, China, Japan and other European Nations is another example of how he is his own man who will govern the way he chooses to. On the other hand, crude cartoons and statues, insulting posters at rallies and abusive comments against the democratically elected President are telecast over major media channels without for once thinking whether these are politically correct!

President Rodrigo Duterte of the Philippines unabashedly used very flowery undiplomatic words on President Obama and has not shied away from stating his scorn on drug abusers and proudly claiming how he killed people or how he stated “he should have been first” when asked a question on rape. The Philippine law makers shrug off his comments and simply say “Get used to this language”.

Arvind Kejriwal, the Chief Minister of the Union Territory of Delhi in India, does not bat an eyelid before he hurls abuses at the democratically elected prime minister of the country or the election commission. He is cheered on by the liberal and intellectual media who would accept such statements from him but not from other political parties. Comments are made by political leaders across parties about religion, economically weaker sections of society and women which are normally frowned upon by most people. Yet no action is taken or is it that no action can be taken given that there will always be a constituency to whom such comments will appeal.

Are these leaders and so many like them around the World saying things that the people want to say themselves but are afraid to for fear of castigation?

For too long the political and media elite have defined the way we should speak and be spoken to. How long will this small group of powerful individuals influence the way we speak and behave. There are no longer any holy cows in dialogue and communication. The mobile phone has changed the way we spell and the social media is changing the way we express ourselves.

With social media empowering the masses, trolling, which hitherto was seen as politically incorrect (exceptions were always made for a few super start journalists), the new age political leaders have understood the importance of “talking” directly to their voters through Twitter and Facebook and there is nothing anyone can do about this.

President Lyndon B. Johnson in 1964 said “I’m here to tell you that we are going to do those things which need to be done, not because they are politically correct, but because they are right.”

So is the age of being “Politically Correct” over?

Does our right of “Freedom of Speech” conflict with the very definition of political correctness? Should we now be looking at whether the content of the speech is truthful and correct rather than analyse each word spoken for whether it offends some people? Should we fall prey to moral policing of our acts and communication simply because it happens to offend a few people?

If there is an elephant in the room, should we not feel comfortable in talking about it? Should we really suppress our concerns, dreams, worries, feelings, fears, aspirations, hopes and anxieties? Should we stop asking questions about another culture simply because we “may” offend someone?

We are witnessing a paradigm change in the manner in which we will hear our leaders speak in the future. We are seeing a new normal being defined in speech and communication. Let us judge these comments based on the content and not based on who has spoken these and how these comments were delivered.


The author is the founder Chairman of Guardian Pharmacies and the author of 5 best-selling books, Reboot. Reinvent. Rewire: Managing Retirement in the 21st Century; The Corner Office; An Eye for an Eye; The Buck Stops Here – Learnings of a #Startup Entrepreneur and The Buck Stops Here – My Journey from a Manager to an Entrepreneur.

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Learnings for Startup Entrepreneurs


Building a new company is itself a big challenge.

As the founder, you have to adapt, accept, adjust, create, innovate, motivate and deliver. You need to function as the Chief Executive Officer on the one hand and the Chief Janitor on the other. No task can be too large or too small for you. Yet it is important to be a learning entrepreneur so that your 24 hours in the day are optimally utilised for the benefit of your people and your business.

Share Information

Sharing information about what is going on in your startup will help in bringing a level of awareness and hence the commitment to the business plan. However, sharing information should be done on a “need to know” principle. Therefore sharing the detailed financials of the company with the junior most employee may not necessarily be a very wise decision.

Adjust your management style

As you build your startup, your small team of colleagues will expand and the people closest to you will start to feel insecure of the new entrants because you will not be able to spend as much time your old colleagues as you used to. At the same time, your new colleagues will want more and more of your time so that they can deliver what they have committed to achieve. You will need to adjust the way you manage all your colleagues without letting anyone feel insecure or unwanted.

Lead by example

Most startups need long hours and while you, as the founder, are willing to work 24 X 7, your colleagues may not necessarily feel the same level of commitment. Lead by example. When your colleagues see you doing things that they would normally not do, the barriers will start to break down and everyone would be willing to put their weight behind the success of the business.

Empower through delegation

You would like to believe that no one can do the task better than yourself but remember that there is a challenge in trying to be a “jack of all and master of none”. If you have had the foresight to hire a good management team, empower them properly and delegate tasks so that you have the time and the energy to focus on other matters that your startup needs you to focus on. Besides, your functional heads will have a much better understanding of the issues in their departments than you would.

Set small “bite-sized” milestones

While developing ambitious business plans, please remember to break the big set of numbers into “bite-sized” achievable numbers that people can deliver. For young companies, you will need quick wins to keep a very diverse team of people motivated and committed to working towards the bigger goal.

Remove road blocks and obstacles

See your own role as that of the person who leads the team that will shoot the goal as well as the person who defends the goal. Cut down bureaucracy within your young company. You need to set a scorching pace and as the people start to gather momentm, you need to keep running ahead of then so that you can keep removing and clearing all the road blocks and obstacles.

Give and take feedback

Giving regular feedback is a much better process than to wait till the end of the year and then give your feedback during the annual appraisal cycle. Regular feedback will help your colleagues to course correct as the event happens than wait till the year end. While giving your feedback, remember to ask for feedback as well from your colleagues about what they think about the organisation, your plans and possibly on your own management style. An open culture will foster strong bonds between colleagues and an excellent work culture.

Be judicious with your time

Most founders get involved with every little detail of the business resulting in key tasks that the founder should handle personally getting a lower priority. The same applies when a founder tries to micro manage every employee of the company. You need to be able to focus your time on key tasks and manage the key people. How you define “key” is something you will understand very quickly in your startup when you realise that you seem to be fire-fighting all the time!

Keep your eye on the road

As the founder who has probably invested your life savings in your business venture, make sure that you keep your eye on the road. Keep a close track of your expenses and your revenues. After all this investment is your hard earned money and you need to ensure that it is spent effectively.

Work hard but remember to have fun

Every management team wants to make their work environment interesting and a place they look forward to going to every day. Informal get togethers as a team inside and outside the work place supports bonding among team members. Show a little bit of your own vulnerabilities at fun events and you will be surprised at how much team members will start to share with you.

Say a sincere thanks whenever you can

Startups can be very high pressure environments and not everyone is able to handle the pressure. At the same time, everyone likes a word of appreciation from the boss. Coming from the founder, a simple “thank you” carries a lot of weight. Be generous with your appreciation. Your colleagues will love you for this.

Undoubtedly, these are a tough set of learnings that need to be implemented by most founders but then starting up a new enterprise was never going to be easy!


The author is the founder Chairman of Guardian Pharmacies and the author of 5 best-selling books, Reboot. Reinvent. Rewire: Managing Retirement in the 21st Century; The Corner Office; An Eye for an Eye; The Buck Stops Here – Learnings of a #Startup Entrepreneur and The Buck Stops Here – My Journey from a Manager to an Entrepreneur.

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Budget 2017 – A Retirees Perspective


While the Gen X, the Millennials and the Digital Natives are hogging up all the limelight and creating the much needed demographic dividend for our country, there are a large number of Indians, the Post-Independence kids, who have paid their dues to the nation and worked 60 hour weeks to bring the country to where it is today. These are the men and women, born after 1947, now in their sixties and beginning to enter their seventies.

While the younger generation of Indians less than 35 years constitute more than 65% of our nation, the category of individuals over 60 is also growing and will cross 100 million by 2020. These senior citizens span the large social strata of our nation across societies and income levels and, given today’s healthcare facilities, most of them should live for the next two to three decades.

The Prime Minister in his nationally televised speech on 31st December 2016 has recognised these senior citizens and announced an interest rate of 8% for a fixed deposit for a 10 year period. This is a great beginning but does the Government really recognize the needs of retirees?

What are retirees in India looking for from the much anticipated National Budget post demonetisation? This question is best answered if we consider the financial needs of retirees.

Income Tax

The Income Tax Act has two categories for senior citizens. Those between 60 years and 80 years who are referred to as Senior Citizens and those above 80 years who are referred to as Super Senior Citizens.

The tax free income is Rs 3.00 lakhs and Rs 3.50 lakhs respectively for the two categories. Senior and Super Senior citizens would benefit immensely if this limit were to be increased to Rs 5.00 lakhs and Rs 10.00 lakhs respectively.

Given the rapidity with which aging takes place, Government should consider three slabs for people between 60 years and 70 years; 70 years and 80 years and above 80 years. A 20 year slab for senior citizens is too vast.

Pension and Monthly Annuity

Barring the retirees from the Government and public sector, most other retirees do not have access to pension and have to rely on their savings. Most retirees have their savings in their provident fund, public provident fund, gratuity and some additional savings. This money is pulled out by them when they retire. Very few individuals know what to do with this large amount of life’s savings. There are very few pension schemes for retirees today. What every retiree is looking for is an investment whereby they can invest a lump sum and get a monthly annuity.

Government could think of introducing special incentives for mutual funds, banks and financial institutions to launch such financial products exclusively for people over 60 years of age.

The guiding principle for such financial products will have to be that they will develop Investment Plans with monthly returns while ensuring capital protection. Returns guidelines could be set at a minimum of 2% above the prevailing fixed deposit interest rate.


Senior citizens look for loans to build new homes and to expand existing homes since a lot of adult children are coming back to live in the homes of their parents. The Prime Minister has announced attractive reduction in interest rates for senior citizens who want to avail housing loans of upto Rs 9 lakhs and upto Rs 12 lakhs. In addition, the PM has announced an attractive scheme for people wanting to expand their homes in rural India.

Further subsidy on such loans at higher slabs and a similar subsidy for vehicle loans would be a welcome step for the senior citizens.

Reverse Mortgage

Most senior citizens in India are asset rich but cash poor.

Their homes, built on land purchased several decades back, are worth a lot of money and yet they struggle to meet their daily needs. Most of us in India believe that we need to leave our homes to our children who, I believe, have interest only in the value of their parent’s home and after their passing, most such houses are sold. While the Reverse Mortgage scheme is in place and Government has already provided that any money received through a Reverse Mortgage will be tax free, very few people are aware of this and even fewer take advantage of the scheme.

Government needs to popularize this Reverse Mortgage scheme and announce additional incentives so that senior citizens can unlock the huge value of their homes and live the last three decades of their lives in financial safety and security.

Subsidised Land to build Affordable Old Age Homes

Given the large number of senior citizens who are now living alone after having raised their children, the need for social security and friends in community living is becoming very critical. Support groups are forming rapidly as senior citizens start to depend on one another for support, instead of only their family members, in their sunset years. While assisted living homes are coming up in several parts of the country, these are expensive and highly priced. Builders are constrained to charge high prices because of the high cost of land.

The Government could consider giving subsidised land in the budget specifically for building such old age homes or assisted living homes. Price bands would need to be established so that genuinely affordable old age homes can be built and made available. Obviously very strict norms need to be in place to ensure such facilities are not misused by unscrupulous builders.

Health Insurance

Almost 70% of Indians do not have access to any form of Medical Insurance. The largest group comprising over 300 million Indians are covered by Government Medical Insurance. Only about 75 million Indians are covered by private Medical Insurance companies.

Insurance premium up to Rs 15,000 is permitted as a tax deduction while this is Rs 20,000 for senior citizens. This limit needs to be increased substantially since premium is much higher even for a small medical cover of Rs 5 lakhs.

The Government also needs to encourage all employers to provide life time cover to their long serving employees. This insurance cover could become a part of the monthly human resource costs of every employer and the policy would continue on superannuation. While working with employers to ensure medical cover, the Government should also incentivise health insurance companies to cover a much larger group of citizens at reduced annual premiums.

Cost of Medicines

Government needs to provide funds in the budget to roll out the Jan Aushadhi stores across the length and breadth of India so that senior citizens can get access to reasonably priced medicines. At the same time more medicines should be brought under the Drug Price Control Order so that medicine prices are made more affordable.

Medical Care

While Governments in USA, Canada and several other developed countries provide retirees over 60 years the right to sign up for Medical Care at Government costs, no such scheme exists in India. There is a provision for the Economically Weaker Sections to get free medical care at Government owned hospitals but everyone knows that such facilities exist only on paper. This needs to change fast.

The Income Tax provisions allow a deduction of Rs 40,000 for medical treatment of specified diseases. For senior citizens this limit is Rs 60,000. Given the high medical costs, this limit needs to be increased significantly for senior citizens.

With no more recurring income from any form of employment, most retirees are relying on their retirement savings to support their needs for sustenance like utilities, food and most of all, medicines. Most retirees know that they progressing towards the end of their days and slowly, their bodies are beginning to give in to various forms of illness.

The Government, therefore, needs to play a significant role to support our senior citizens by providing tax incentives and financial support in the coming Budget so as to ease the financial strains most retirees face. Good long term schemes and well planned and executed tax reforms and incentives will go a long way in easing the anxiety and stress of retirement that all retirees face.


The author is the founder Chairman of Guardian Pharmacies and the author of 5 best-selling books, Reboot. Reinvent. Rewire: Managing Retirement in the 21st Century; The Corner Office; An Eye for an Eye; The Buck Stops Here – Learnings of a #Startup Entrepreneur and The Buck Stops Here – My Journey from a Manager to an Entrepreneur.

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Startups – What irks your customer?


While most customers are willing to tolerate reasonable levels of inefficiencies and errors, the old adage comes into play, “To err is human but if the eraser wears out ahead of the pencil, you are overdoing it”!

Mahatma Gandhi, in a speech in South Africa in 1890 is believed to have said:

“A customer is the most important visitor on our premises. He is not dependent on us. We are dependent on him. He is not an interruption of our work. He is the purpose of it. He is not an outsider of our business. He is part of it. We are not doing him a favour by serving him. He is doing us a favour by giving us the opportunity to do so.”

Your customer is your lifeline. Your reason to exist. Who will buy your product and thus provide sustenance to you and your employees. Yet, so many startups take their customer for granted as they build their young company. Their focus is on technology, on human resources, on making the workplace exciting so that people stay and sometimes on managing cash!

Upset customers have little patience. Annoyances that a person usually tolerates become intolerable when that individual is upset. You cannot control another person’s behaviour. But you can change your behaviour to avoid causing annoyance.

Some of the common reasons that I have seen and experienced which make customers angry and therefore complain or reject your brand are as follows:

Commitments not met

The very common refrain of most customers is that commitments are made by staff members at the time of placing the order and then forgotten. Whether these are in the form of a commitment to deliver a product at a certain time or it is to provide a service at a certain level or it is for the visit of a plumber to your home, a commitment once made must be kept. Most customers are also willing to accept a change in commitment if a communication has been made to them and, more importantly, the customer has agreed to this change.

If a commitment is kept you have a happy customer. If the commitment is not kept you have a very unhappy and dissatisfied customer. If at this time your staff attempts to give a “smart” answer or offer an insincere apology then the customer is in his right to get really angry and upset.

Any store member, in an attempt to save his own skin, must never pass the buck to his head office or factory since this weakens the perceptions of the brand in front of the customer. Internal issues of a company must be addressed internally and not in front of any customer.

As our retail chain grew, there were several staff members who did not recognize me when I walked into one of our stores. The best way to understand your own staff is to call your company help line and understand what a customer has to go through each time he has a complaint.

Poor Service

Most of us have experienced poor service levels often in various stores. An indifferent store staff can irritate any customer.

Shoe sales men would have definitely tried to entice you to buy a “slightly tight” shoe with a response “When you start using the shoe it will open up” and fit your foot much better”. How often have we purchased a tight shirt or coat because the sales staff member did not have a larger size and encouraged us to buy it because “you are sure to lose some weight”!

Arrogance and Sarcasm

If a staff member is arrogant the customer picks up such body language very quickly. Staff members who face your customers are your ambassadors and must have humility. Customers need to be heard and do not like to repeat themselves. If a staff member does not know the customer then being over-friendly or passing a funny comment can also be misunderstood.

Sarcastic remarks only heighten anger, they seldom ease tension. There is no place for one’s ego in front of your customer.

Questioning a Customer’s Intelligence

I am sure a lot of us would have experienced a situation where we go to a restaurant and ask for a glass of cold water. When the water arrives and we don’t find this cold, we tell the waiter to change the water. How often have we seen the waiter touch the glass from the outside to show the customer that in his view the water is cold enough? The same applies when you ask for a cup of hot tea and on complaining the staff member touches the cup to check if you are right!

These are classic examples of a staff member questioning a customer’s intelligence and conveying distrust. Anyone in the retail business has to accept a customer’s viewpoint as long as the customer is fair and reasonable.

Arguing with a Customer

Arguing with your customer is a cardinal sin for every business. Arguing with a customer may enable a store staff member to win a small battle but in the long run, he would not only have lost the sale but the customer forever.

My advice to most customer facing staff members is that every morning when they leave for work, they should “remove their watch” and leave it on their bedside table and they should “take off their cloak of ego” and hang it behind their bathroom door. There is no place for time or ego when it comes to handling your customer.

People get upset for a variety of reasons, many of which are under your or your organization’s control to prevent. The easiest way to calm upset customers is to not make them angry in the first place. At the same time, it is very important to understand that a customer is not always right. If the customer is unreasonable, then a firm but very polite tone is needed to handle such irate customers.


The author is the founder Chairman of Guardian Pharmacies and the author of 5 best-selling books, Reboot. Reinvent. Rewire: Managing Retirement in the 21st Century; The Corner Office; An Eye for an Eye; The Buck Stops Here – Learnings of a #Startup Entrepreneur and The Buck Stops Here – My Journey from a Manager to an Entrepreneur.

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स्टार्टअप्स और मेन्टर्स – अनुभव कभी पुराना नहीं होता


सन् 2015 में प्रदर्शित अपने सिनेमा ‘द इंटर्न’ में रॉबर्ट डी नीरो और ऐनी हैथवे, ने पूरे विश्व के स्टार्टअप्स और ऐंटरप्रेन्योर (उद्योजक) को बहुत दिलचस्प पाठ सिखाया।

वह संदेश बहुत सरल था- अनुभव कभी पुराना नहीं होता।

पूरे विश्व के अधिकांश स्टार्टअप्स उन युवाओं द्वारा शुरू किए गए हैं, जो अपनी उम्र के बीसवें या तीसवें वर्ष के आस-पास हैं। उनके विचार एकदम उम्दा हैं और उनकी ऊर्जा का स्तर भी बहुत ऊँचा है, लेकिन उनमें से कई शुरुआती सालों में ही ठप्प हो जाते हैं। कम या अपर्याप्त नियंत्रण प्रणाली, अति महत्वाकांक्षी आनुपातिक दरें, कमज़ोर आर्थिक नियोजन, प्रबंधन के क्षेत्र में उद्देश्य हीनता, लोगों को साथ लेकर न चल पाना, जैसे अनेक कारण इसके लिए जिम्मेदार हैं।

ठीक उसी समय, कॉर्पोरेट की दुनिया से हज़ारों वरिष्ठ प्रबंधक एकदम युवावस्था में, लगभग 60-65 साल की उम्र में सेवानिवृत्त होते हैं, जबकि उन्होंने लगभग चार दशक किसी क्षेत्र में विशेषज्ञ की तरह गुज़ारे होते हैं और वे बड़े-छोटे कॉर्पोरेशन में जनरल मैनेजर की श्रेणी के पदों तक पहुँच गए होते हैं, वे अपने जीवन के इस पड़ाव पर होते हैं कि उनके भीतर अभी भी कम से कम दस साल और काम करने का माद्दा होता है। दुनिया के हर हिस्से में यह उम्रदराज़ी और वरिष्ठ प्रबंधकों की सेवानिवृत्ति की घटनाएँ हो रही हैं। ये लोग जानते हैं कि व्यवसाय कैसे चलते हैं और व्यवसाय खड़ा करने की चुनौतियों से कैसे दो-चार हुआ जाता है। उनके पास हर क्षेत्र में काम करने वाले विशेषज्ञ होते हैं, फ़िर वह वित्त हो या लेखा, बजट बनाना हो या पैकेजिंग, ब्रान्डिंग, बिक्री, मानव संसाधन, प्रशासकीय, कानूनी मुद्दे या फ़िर आम प्रबंधन ही क्यों न हो।

स्टार्टअप ऐंटरप्रेन्योर की दृष्टि और बुज़ुर्ग प्रबंधकों का अनुभव साथ आने पर कई अवसर भी बिना किसी रुकावट और बिना किसी आशंका के साथ आ सकते हैं। यह ज़रूरी नहीं कि हर वरिष्ठ प्रबंधक के पास अपने बूते पर स्टार्ट अप खड़ा करने की ऊर्जा या ख़तरे उठाने की क्षमता हो। बुज़ुर्ग प्रबंधक अपने करियर के ढलान पर होते हैं और वे क़मर कसने को तैयार नहीं होते। वे कुछ न कुछ करते रहना चाहते हैं, कुछ थोड़े पैसे कमाना चाहते हैं ( जो इक्विटी के रूप में भी हो सकते हैं) और उसके बदले में अपने जीवन के पाठ को बाँटना चाहते हैं। इसके अलावा, किसी भी स्टार्ट अप के लिए, ये वरिष्ठ नागरिक अधिक स्थिरता से जमे रह सकते हैं- वे कभी इस्तीफ़ा नहीं देंगे और जल्दबाजी में कहीं चले नहीं जाएँगे क्योंकि वे नहीं चाहते थे कि कोई भी उठकर उनसे कुछ भी कह दें या न ही उनके पास कोई और अवसर आएगा, कि वे चल पड़े।

साथ ही वे स्टार्टअप ऐंटरप्रेन्योर को दूर से देख सकते हैं और जब कभी लगे कि पानी सिर के ऊपर से बह रहा है, वे उन्हें मार्गदर्शन दे सकते हैं। इन लोगों के पास अपने विषय की पूरी जानकारी होती है, इन वरिष्ठों का अपने क्षेत्र पर एकाधिकार होता है क्योंकि उन्होंने उसी क्षेत्र में सालों काम किया होता है, इतने सालों में उन्होंने जो ज्ञान और अनुभव हासिल किया है वे उसे सूचीबद्ध भी कर सकते हैं और निम्नलिखित कामों की रूपरेखा बनाने में उसका उपयोग हो सकता है।

प्रशासकीय कार्यों में सुगमता

सभी स्टार्टअप को आमतौर पर इस लक्ष्य को लेकर चलना चाहिए कि वे मज़बूत और स्थिर व्यवसाय खड़ा करेंगे, जो किसी संस्था की तरह परिपक्व होगा। एक मज़बूत वरिष्ठ भागीदार ऐंटरप्रेन्योर को यह विश्वास दिलाता है कि वह प्रशासकीय कार्य उम्दा करेगा और संगठन में पारदर्शिता को महत्व दिया जाएगा। इतना ही नहीं कुछ ठोस बातें भी होंगी, जिन मामलों में स्टार्टअप करने वाले लोग कमज़ोर माने जाते हैं, जैसे बोर्ड की बैठक हमेशा समय पर होने और ‘बैठक के मिनट’ लिखे जाने का विश्वास दिलाना। यह टिप्पणी उन ऐंटरप्रेन्योर पर लागू नहीं होती जो मूल्यांकन करना जानते हैं और फ़िर किसी और को कंपनी से हटाना जानते हैं।

फंड जुटाना

यद्यपि अधिकांश स्टार्टअप्स निवेशकों और निजी इक्विटी निवेशकों को देवदूत मान उनकी ओर फंड मिलने की उम्मीद से देखते हैं, जबकि बैंकों से बड़े पैमाने पर अच्छा-खासा फंड बतौर ऋण लिया जा सकता है और कैपिटल फाइनेंसिंग को कार्यरत किया जा सकता है। वित्तीय क्षेत्र का कोई भी अच्छा वरिष्ठ नागरिक आपके लिए ज़रूरी कॉन्टैक्ट्स मुहैया करा सकता है और बैंकिंग प्रणाली में अपने अनुभव से रास्ता बना सकता है।

बाहरी रिश्ते

अधिकांश व्यवसायों में, भले ही वह कोई भी क्षेत्र हो, बाहरी दुनिया के साथ मज़बूत रिश्ता होना ज़रूरी है। ये रिश्ते ब्यूरोक्रेट्स (प्रशासन), राजनेता, पर्यावरण कार्यकर्ता या स्थानीय परामर्शदाता के साथ हो सकते हैं। एक मज़बूत और अनुभवी वरिष्ठ नागरिक इन बाहरी चुनौतियों का सामना धैर्य से करेगा। इस तरीके से सार्वजनिक रिश्तों को मज़बूत बनाने के लिए प्रिंट और दृश्य माध्यमों के साथ संपर्क की योजना बनाई जा सकती है और कुछ अन्य लोगों पर सोशल मीडिया संपर्क को आधार बनाने की जवाबदारी सौंपी जा सकती है।

कानूनी कार्रवाई

संस्था के गठन और पैसा खड़े करने के दौरान कानूनी मदद की ज़रूरत भी पड़ती है, कई व्यवसायी कई तरह की कानूनी चुनौतियों का सामना करते हैं। फ़िर एक बार, बुज़ुर्ग और अधिक अनुभवी प्रबंधक इस तरह के मामलों को अधिक समझदारी से सुलझा सकते हैं- कीमती संसाधनों, प्रबंधकीय समय और ज़ाहिरन पैसे के अपव्यय को रोकने के लिए कौन से मामले को तवज्जो देना चाहिए और किस मामले को छोड़ देना चाहिए, का कठिन निर्णय लेते आना चाहिए।

क्रियान्वयन पुस्तिका / मानक परिचालन प्रक्रिया

शुरू करने की हड़बड़ी में कई बार मानक परिचालन प्रक्रिया के ब्यौरे छूट जाते हैं। जबकि उन्हें कार्य शुरू होने के साथ ही लागू किया जाना चाहिए ताकि ग़लती का दोहराव न हो। अनुभवी प्रबंधक इस काम को मुस्तैदी से करता है और नियमावली/ परिचालन पुस्तिका को इस तरह रखता है जिससे कंपनी को लंबे समय तक लाभ होता है।

मैंने कई ऐंटरप्रेन्योर का स्टार्टअप करने में मार्गदर्शन किया है, मैंने देखा है कि स्टार्टअप ऐंटरप्रेन्योर उस व्यक्ति को महत्व देते हैं जो ‘जब-जहाँ जैसी ज़रूरत, तब वहाँ वैसा काम’ करते हैं। ऐंटरप्रेन्योर को उनका काम बहुत एकाकी बना देता है क्योंकि सिवाय सह-संस्थापक के, वह बहुत कम लोगों पर वह विश्वास कर पाता है। कई युवा ऐंटरप्रेन्योर को ऐसी कार्यकारी समिति की ज़रूरत होती है जो शांत मन से, बिना डराए-धमकाए काम करे और जिसका अपना कोई ऐजेंडा या व्यवसाय न हो। 

मैं हमेशा कहता हूँ कि दौड़ते-भागते युवा कदम और बालों की सफ़ेदी का मेल सभी स्टार्टअप करने वालों के लिए जीत सुनिश्चित करने वाला होता है। हॉकी या फ़ुटबॉल का उदाहरण लें तो ऐंटरप्रेन्योर एक तरह से सेंटर फ़ॉरवर्ड पर खड़ा होता है, जिसे भागकर गोल लपकना और जीतना है जबकि पुराना प्रबंधक वह गोल कीपर है जो कंपनी को मैदान में सुरक्षा देता है और विश्वास दिलाता है कि वह उसका ख़ुद का किया गोल स्कोर में नहीं गिनेगा!

दोनों पक्षों के लिए महत्वपूर्ण है कि उनका आपसी चयन सही हो, साथ ही उनके लिए आपसी विश्वास विकसित करना भी ज़रूरी है। दो अलग लोगों के बीच जब विश्वास होता है तो व्यवसाय के सफ़ल होने की उम्मीद पक्की होती है।


लेखक गार्डियन फार्मेसीज के संस्थापक अध्यक्ष हैं. वे  5 बेस्ट सैलर पुस्तकों – रीबूट (Reboot). रीइन्वेन्ट (Reinvent).  रीवायर (Rewire) : 21वीं सदी में सेवानिवृत्ति का प्रबंधन, (Managing Retirement in the 21st Century); द कॉर्नर ऑफ़िस, (The Corner Office); एन आई फ़ॉर एन आई (An Eye for an Eye); द बक स्टॉप्स हियर- (The Buck Stops Here) – लर्निंग ऑफ़ अ # स्टार्टअप ऐंटरप्रेन्योर और (Learnings of a #Startup Entrepreneur) द बक स्टॉप्स हियर- माई जर्नी फ़्रॉम अ मैनेजर टू ऐन ऐंटरप्रेन्योर, (The Buck Stops Here – My Journey from a Manager to an Entrepreneur) के लेखक हैं.

  • ट्विटर : @gargashutosh 
  • इंस्टाग्राम : ashutoshgarg56    
  • ब्लॉग : |

बजट 2017- एक सेवानिवृत्त के दृष्टिकोण से


डिज़िटल दुनिया में रहने वाली इस शताब्दी की  नई पीढ़ी (जनरेशन एक्स) के सदस्य एक ओर जहाँ पूरी चकाचौंध को अपनी ओर कर लेते  हैं  और इस तरह से माहौल बनाते हैं कि हमारे देश के लिए बहुत आवश्यक जनसांख्यिकीय लाभांश सिर्फ  उनका है, जबकि दूसरी ओर आज़ादी के बाद जन्म लेने वाले भारतीयों की बड़ी भारी तादाद है, जिन्होंने देश के प्रति पूरी जिम्मेदारी निभाई और आज देश जहाँ है, उसे वहाँ तक लाने के लिए हफ़्ते के 60 घंटे काम करते रहे। ये वे स्त्री-पुरुष हैं, जो सन् 1947 के बाद जन्मे। अब वे  अपने जीवन के छठें दशक में है और सत्तर साल की उम्र के क़रीब पहुँच रहे हैं।

जहाँ हमारे देश के 65 प्रतिशत से अधिक लोग उस भारतीय युवा पीढ़ी के है जिसकी आयु 35 साल से भी कम है, वहीं 60 साल से अधिक उम्र वाले लोगों की संख्या भी बढ़ रही है और सन् 2020 तक यह 100 मिलियन को पार कर जाएगी। हमारे देश के हर तबके, आर्थिक स्तर की सामाजिक परतों में इन वरिष्ठ नागरिकों का विस्तार हो रहा है, और आज जिस तरह की स्वास्थ्य सुविधाएँ उपलब्ध है, इनमें से अधिकांश अगले दो या तीन दशक तक जीवित रह सकते हैं।

प्रधानमंत्री ने 31 दिसंबर 2016 को छोटे परदे से पूरे देश के सामने इन वरिष्ठ नागरिकों को रेखांकित किया और उनके लिए दस साल की समयावधि की जमा राशि पर 8% ब्याज दर देने की घोषणा की। यह एक शानदार शुरुआत है लेकिन क्या वास्तव में सरकार इन सेवानिवृत्त लोगों की ज़रूरतों को समझ पाई है।

भारत के सेवानिवृत्त राष्ट्रीय बजट के बाद किन चीज़ों के दामों में कमी होने की ओर इतनी उम्मीद लगाए बैठे हैं? इस सवाल का सटीक जवाब तभी मिल सकता है यदि हम सेवानिवृत्तों की आर्थिक ज़रूरतों को ध्यान में रखें।


आयकर कानून में वरिष्ठ नागरिकों की दो श्रेणियाँ की गई हैं। एक वे जिनकी आयु 60 से 80 साल के बीच है और जो वरिष्ठ नागरिकों के रूप में जाने जाते हैं और दूसरे वे जो 80 साल से अधिक आयु के हैं और जिन्हें सुपर वरिष्ठ नागरिक माना जाता है।

उपरोक्त दो श्रेणियों के लिए आयकर छूट की राशि क्रमश: तीन लाख रुपए और 3.50 लाख रुपए है। वरिष्ठ और सुपर वरिष्ठ नागरिकों को बहुत बड़ा लाभ तब मिल सकता है जब यह सीमा बढ़कर क्रमश: पाँच लाख रुपए और दस लाख रुपए हो जाए।

जिस तरह से बढ़ती उम्र के लोगों में वृद्धि देखी जा रही है, सरकार इन लोगों को तीन खंडों में बाँट सकती है- 60 से 70 साल, 70 से 80 साल और 80 साल से ऊपर। वरिष्ठ नागरिकों के लिए 20 साल का कालखंड बहुत ज़्यादा है।

पेंशन और मासिक भत्ता

सरकारी और निजी क्षेत्र के सेवानिवृत्त लोगों के अतिरिक्त ऐसे और कई सेवानिवृत्त हैं जिनको पेंशन नहीं मिलती और उन्हें अपनी बचत पर ही निर्भर रहना पड़ता है। अधिकांश सेवानिवृत्त लोगों ने अपनी जमा पूंजी को अपने प्रोविडेंट फंड, पब्लिक प्रोविडेंट फंड, ग्रेज्युटी और कुछ अन्य बचत में रखा है। सेवानिवृत्त होते ही वे इनमें से राशि निकाल लेते हैं। बहुत कम लोगों को पता होता है कि उनकी जीवन भर की पूंजी की इस बड़ी-भारी राशि का क्या करना है। वर्तमान में सेवानिवृत्तों के लिए बहुत कम पेंशन योजनाएँ हैं। हर सेवानिवृत्त किसी निवेश में क्या देखता है, तो वह ऐसा निवेश चाहता है जिसमें वह बड़ी मात्रा में पैसा लगाए और उसे उसमें से कुछ मासिक भत्ता मिलता रहे।

सरकार को म्युचुअल फंड, बैंक और वित्तीय संस्थानों पर ख़ास इन्सेन्टिव लाने के बारे में विचार करना चाहिए। इसके लिए कुछ ऐसे विशेष वित्तीय उत्पाद लाने चाहिए जो केवल 60 साल से अधिक आयु के लोगों के लिए ही हो।

इस तरह के वित्तीय उत्पादों की रूपरेखा का उसूल यह होना चाहिए कि वे निवेश योजनाओं में वृद्धि करने के साथ मासिक भत्ता भी देंगे जबकि मूल राशि यथावत रहने का वादा होगा। रिटर्न मिलने की मार्गदर्शिका भी इस तरह हो कि मियादी निवेश दर का उपयोग कम से कम दो प्रतिशत या उससे अधिक पर ही किया जा सकेगा।


वरिष्ठ नागरिक नया घर बनाने या जिस घर में वे रह रहे हैं उसे विस्तार देने के लिए ऋण चाहते हैं क्योंकि कई लोगों के बड़े बच्चे अपने माता-पिता के साथ रहने के लिए घर लौटना चाहते हैं। प्रधानमंत्री को वरिष्ठ नागरिकों के लिए नौ लाख रुपए से अधिक और 12 लाख रुपए तक का गृह कर्ज़ लेने पर ब्याज़ दर में आकर्षक कमी की घोषणा करनी चाहिए। इसी के साथ, प्रधानमंत्री जी को उन लोगों के लिए भी आकर्षक योजनाओं की घोषणा करनी चाहिए जो ग्रामीण भारत के अपने घरों का विस्तार करना चाहते हैं।

वरिष्ठ नागरिकों को इस तरह के ऋण और वाहन ऋण के लिए भी उच्च खंड (स्लैब) में और अधिक अनुदान दिया जाना स्वागत योग्य कदम होगा।

गिरवी रखना

भारत के अधिकांश वरिष्ठ नागरिकों के पास संपत्ति तो होती हैं पर नक़दी के मामले में वे गरीब होते हैं। उनके घर, उस ज़मीन पर बने होते हैं जो उन्होंने कई दशक पहले ख़रीदी होती है, उसकी अभी क़ीमत बहुत हो सकती है तब भी वे रोज़मर्रा की ज़रूरतों को पूरा करने के लिए संघर्ष करते हैं। भारत में, हममें से अधिकांश यह सोचते हैं कि हमें अपने बच्चों के लिए घर छोड़कर जाना है, जबकि मेरा मानना है कि उनकी रूचि केवल अपने अभिभावकों के घर की क़ीमत में होती है और उनके गुज़र जाने के बाद, इस तरह के अधिकांश घर बेच दिए जाते हैं। जबकि इसके बदले गिरवी रखने की योजना है और सरकार ने यह प्रावधान किया हुआ है कि गिरवी रखने पर जो भी रक़म मिलेगी उसे कर मुक्त किया जाएगा, बहुत कम लोग इस बारे में जानते हैं और उनमें से भी बहुत कम उस योजना का लाभ उठाते हैं।

गिरवी रखने की इस योजना को सरकार द्वारा लोकप्रिय बनाया जाना चाहिए और इस पर अतिरिक्त लाभ की घोषणा करनी चाहिए ताकि वरिष्ठ नागरिक अपने बेशकीमती घरों की लगभग समाप्त प्राय: कीमत को पुनर्जीवित कर अपने जीवन के अंतिम तीन दशक वित्तीय सुरक्षा और संरक्षण में गुज़ार सके।

रियायती दरों पर वृद्धाश्रम बनाने के लिए भूमि खरीदी में राहत

ऐसे कई वरिष्ठ नागरिक देखे जा सकते हैं जो अपने बच्चों को पाल-पोसकर बड़ा करने के बाद अब अकेले रह रहे हैं, उन्हें सामाजिक सुरक्षा की बेहद आवश्यकता है। उनके लिए मित्र तलाशना भी बहुत मुश्किल साबित होता है। वरिष्ठ नागरिकों ने केवल अपने पारिवारिक सदस्यों पर निर्भर रहने की बजाए सहायता के लिए एक-दूसरे पर निर्भर रहना शुरू कर दिया है, इस वजह से इन दिनों तेजी से सहायता समूह बन रहे हैं। देश के कई हिस्सों में मददगार रहवासी घर भी बनने लगे हैं, लेकिन वे बहुत महंगे होते हैं और वहाँ रहना खर्चीला। इमारत बनाने वाले ऊँची कीमत वसूलते हैं क्योंकि ज़मीन की कीमत बहुत ज़्यादा है।

सरकार को बजट में ख़ासतौर पर इस तरह के वृद्धाश्रमों या मददगार रहवासी घरों को बनाने के लिए रियायती दर पर ज़मीन देने की ओर ध्यान देना चाहिए। कीमतें स्थिर किए जाने की भी ज़रूरत है ताकि उचित दाम पर वृद्धाश्रम बनाकर उपलब्ध कराए  जा सके। ज़ाहिर है इसके लिए एकदम कड़े मापदंड बनाने होंगे ताकि कोई भी भवन निर्माता इस सुविधा का लाभ अनैतिक रूप से अपने लाभ के लिए न उठा पाये।

स्वास्थ्य बीमा

भारत के लगभग 70 प्रतिशत लोगों के पास किसी तरह का कोई चिकित्सा बीमा नहीं है। सरकारी चिकित्सा बीमा सबसे बड़ा समूह है जिसमें सरकार द्वारा 300 मिलियन से अधिक भारतीयों को समाहित किया गया है। निजी चिकित्सा बीमा कंपनियों द्वारा केवल 75 मिलियन भारतीयों का बीमा हुआ है।

जीवन बीमा की 15,000 रुपए तक रकम आयकर सीमा की छूट में आती है जबकि वरिष्ठ नागरिकों के लिए यह 20,000 रुपए है। छोटे से पाँच लाख रुपए के मेडिकल कवर के बीमा की राशि भी बहुत ज़्यादा है इसलिए वास्तव में इस छूट को बढ़ाना चाहिए।

सरकार द्वारा  हर नियोक्ता  को इस बात के लिए प्रोत्साहित करने की आवश्यकता है कि वह  लंबे समय तक अपनी सेवाएं देनेवाले हर कर्मचारी के पूरे जीवन का बीमा करवाए। हर नौकरीपेशा के लिए जितनी मानव संसाधन लागत रखी गई है,बीमा राशि उसका हिस्सा होना चाहिए और यह नीति उनके सेवानिवृत्ति तक के कालखंड के लिए होनी चाहिए। नियोक्ता को मेडिकल कवर के बारे में आश्वस्त  कराने के साथ साथ , सरकार को स्वास्थ्य बीमा कंपनियों को भी प्रोत्साहन राशि देना चाहिए ताकि वे अधिक से अधिक नागरिक समूहों का बीमा करवाए और उसकी वार्षिक बीमा राशि कम रखे।

दवाओं का खर्च

पूरे भारत में जन औषधि दुकानों को शुरू करने के लिए सरकार को बजट में धन का प्रावधान रखना चाहिए ताकि किफ़ायती दाम पर दवाएँ वरिष्ठ नागरिकों की पहुँच में रहें। ठीक इसी तरह अधिक से अधिक दवाओं को दवा मूल्य नियंत्रण आदेश के अंतर्गत लाया जाना चाहिए जिससे दवाओं की कीमतों का बोझ न रहे।

चिकित्सकीय देखभाल

अमेरिका, कनाडा और अन्य कई विकसित देशों में 60 साल से अधिक आयु के सेवानिवृत्त लोगों को यह अधिकार प्राप्त है कि उनकी चिकित्सकीय देखभाल सरकारी खर्च पर हो। भारत में इस तरह की कोई योजना नहीं है। सरकारी चिकित्सालयों में आर्थिक रूप से कमज़ोर तबके के लोगों के लिए मुफ़्त चिकित्सकीय देखभाल का प्रावधान है पर हर कोई जानता है कि इस तरह की सुविधाएँ केवल कागज़ों पर होती है। इसे जल्द से जल्द बदलने की आवश्यकता है।

कुछ बीमारियों के चिकित्सकीय इलाज के लिए आयकर में 40,000 रुपए तक की छूट का प्रावधान है। वरिष्ठ नागरिकों के लिए यह छूट 60,000 रुपए तक है। जिस तरह से दवाओं की कीमतें आसमान छू रही है, वरिष्ठ नागरिकों के लिए ख़ासकर इस सीमा को बढ़ाया जाना चाहिए।

किसी भी तरह के रोजगार में किसी तरह से आमदनी जारी रहने का कोई ज़रिया नहीं होता, अधिकांश सेवानिवृत्त लोगों को अपनी रोज़ाना की ज़रूरतों जैसे भोजन और सबसे ज़्यादा दवाओं के लिए अपनी सेवानिवृत्ति की बचत राशि पर ही निर्भर रहना पड़ता है। अधिकांश सेवानिवृत्त लोग जानते हैं कि वे अपने अवसान के करीब पहुँच रहे हैं और धीरे-धीरे उनका शरीर कई तरह की बीमारियों को जगह देने लगेगा।

इस वजह से सरकार के लिए यह ज़रूरी है कि वह हमारे वरिष्ठ नागरिकों की सहायता में महत्वपूर्ण भूमिका अदा करें। कर में राहत प्रदान करें ताकि अधिकांश सेवानिवृत्त लोग जिन आर्थिक तक़लीफों का सामना कर रहे हैं उनसे उन्हें आने वाले बजट में राहत और आर्थिक संबल मिल सके। अधिकांश सेवानिवृत्त लोग चिंता और तनाव में रहते हैं। इन सबसे लंबे समय तक दूर रहने के लिए,अच्छी और सुनियोजित दीर्घ सावधि योजनाएँ, निष्पादित करों में सुधार तथा राहत के माध्यम से उन्हें मदद मिल सकती है।


लेखक गार्डियन फार्मेसीज के संस्थापक अध्यक्ष हैं. वे ५ बेस्ट सेलर पुस्तकों – रीबूट- Reboot. रीइंवेन्ट Reinvent. रीवाईर Rewire: 21वीं सदी में सेवानिवृत्ति का प्रबंधन, Managing Retirement in the 21st Century; द कॉर्नर ऑफ़िस, The Corner Office; एन आई फ़ार एन आई An Eye for an Eye; द बक स्टॉप्स हीयर- The Buck Stops Here – लर्निंग ऑफ़ अ # स्टार्टअप आंतरप्रेनर और Learnings of a #Startup Entrepreneur and द बक स्टॉप्स हीयर- माय जर्नी फ़्राम अ मैनेजर टू ऐन आंतरप्रेनर, The Buck Stops Here – My Journey from a Manager to an Entrepreneur. के लेखक हैं.

  • ट्विटर : @gargashutosh       
  • इंस्टाग्राम : ashutoshgarg56
  • ब्लॉग : |

Non-Financial Issues Faced in Retirement


Most of us would have anguished over the issue of whether we have sufficient money and our financial situation is secure before we retire. Hopefully we would have sorted out our financial needs and our funds available, as we enter our period of retirement. At the same time, we should also have made an adequate provision for the continued good health of our spouse.

What most retirees do not recognize are the many non-financial issues each one of us will have to confront, internalise and handle as we start our retired life. Most of us should have planned our money but not our time post retirement even when we are a few months away from the most significant change we will make in our lives. Imagine your daily schedule post retirement and plan for it.

Here are some of the many situations that most retirees confront once they have understood and accepted their new phase of life and accepted the inevitability of retirement. These challenges are not easy but if we plan in advance these become easier to accept.

Loss of Identity

Most people allow their identities to be determined by the company they work for. People are CEO’s, Directors, General Managers or Managers first before they are individuals and human beings. This is because most of us believe that the more successful we are at our work place, the stronger our identity will become. Your power, your authority, your influence, your annual bonus, your wealth, your status is society are all believed to identity creators.

Yet, nothing is further away from reality for your identity once you retire and move into the third phase of your life. I have asked several people to name the former Chairman of a large company after the person has retired and most people don’t remember the name. What happens to those individuals who did not make it to the Corner Office? Will they get lost once they retire?

Retirees are confronted with the question “Who am I” and “How relevant am I” on retirement. I have heard older retirees say “No one needs me anymore”. Loss of one’s identity becomes a major challenge for most retirees.

It is important for most people to build an identity which is beyond your work place. Are you an author or a writer or a sportsman or a golfer or bridge player or a musician or an actor or anything that identifies you with a hobby?

No Calendar, No Clock

Most of us have run our lives based on our daily calendar, driven by super-efficient secretaries / assistants. Mornings blend into lunches into meetings into coffees into cocktails and into dinner. You are constantly juggling appointments and running fast to stay ahead of your schedules. Whenever asked, the standard response is “I can’t seem to find the time”. The big challenge we will all face is how to structure our days when our daily office routine has suddenly stopped and our life is no longer being run by our schedule.

It is inevitable that people will decide that since you are retired, you have extra time, and extra resources.  It goes back to the old adage that your life will have an agenda. If it is not yours, then follow someone else’s agenda.  Set your own agenda and do so before you are asked. When you no longer have a schedule to follow, you can either make a new schedule to fill your day or keep living in the past and resenting the day you retired?

What day of the week is it today?

The most common comment I have heard from retirees is “what day of the week is it today?” Others say “What will get me out of bed in the morning full of purpose and passion?”

These statement are partly in jest and partly in all seriousness. With no clear schedule to adhere to, retirees start to slip into a phase of “timelessness.” This is an unhealthy state of mind to be in and the faster we are able to establish a routine and give a pattern / schedule to our lives, the better we will be able to handle our retired years. The faster we are ready to give up our old work life, the faster will new possibilities open up for us?

Upheaval in Partner / Spouse relationship

As we reach the age of retirement after having worked 40 to 60 hour per week and travelling extensively, both partners would have developed a sense of independence and most of us would have created our own private space in our mutual worlds.  Over a period of time our relationship with our spouse would have evolved to one of companionship and acceptance.

The challenge will be the ability of both partners to adjust with one another, now that the private space we had created for ourselves will blend with one another and we will have to spend most of our time together. Adjustment with one another will take time and will need a lot of investment from both sides.

Lost Companionship with Work Colleagues

Most people who have worked long years at one organisation, particularly those in the employment of the Government or public sector have never really planned to make a circle of friends outside the work place. Lunches, dinners and most social evenings are with work colleagues. The day they hang up their gloves, they suddenly realise that they have lost most of their friends. For those who remain, for a few months they can continue to gossip about the people in their company but this too fades into oblivion.

Yet there are others who have consciously invested in making a large circle of friends outside the work place. Such individuals are much better placed to handle the challenges on companionship once they retire.

Mixed Emotions

With colleagues and work friends, most of us have been able to manage the turmoil of joy, fear, sadness, relief, surprise, anger and anxiety through sharing and exchanging notes, happy that each one of us experiences a vast range of emotions through our lives and it is only by sharing these are we able to handle them well? Once we retire, we lose this safety net and the challenge becomes greater, unless we have taken steps to create a support network outside our work place.

All these are challenges that are easily addressed if we are willing to first accept this new reality and then agree to work on these issues along our spouse.


The author is the founder Chairman of Guardian Pharmacies and the author of 5 best-selling books, Reboot. Reinvent. Rewire: Managing Retirement in the 21st Century; The Corner Office; An Eye for an Eye; The Buck Stops Here – Learnings of a #Startup Entrepreneur and The Buck Stops Here – My Journey from a Manager to an Entrepreneur.

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