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1. Your Life and Money Equation
Pavan Dikondkar
FIRE Community
Open Source Circle Community
Everything is Number…

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3. Disclaimers
For Information and Education Purpose Only
• All the information shared in this session is just for Educational and Learning purpose only.
• All information is based on my experience, you should carefully consider your requirements,
limitations and skills, experience, life’s goal, financial situation, investment objective, risk
tolerance level and consult your independent personal and financial adviser as to the
suitability of your situations.
• Our session and contents are just for information and education purpose only. We are NOT
providing any tip, advice or recommendations for investments, so we are NOT responsible for
your any ACT (loss or profits).
• Any ideas, opinions, news, research, analyses, experiences or other information contained in this
session is provided as general information, to understand concepts and it does NOT constitute
any advice or suggestions.
• All examples in these sessions should be considered as hypothetical, depending on person to
person, they are shown for illustration and educational, training purpose only.
All logos and information are their own proprietary information and it’s used for information purpose only.

4. Pavan Dikondkar
22+ Years of IT Infrastructure Hands-on Experience (Open Source Technologies, Cloud, Security and DevOps)
• BS in Computers , MS – Information Technology (Cloud & CyberSecurity)
• PGDBM & MBA
• Pune Maharashtra India
• Global IT Leader
• Mentor – Coach – Consultant
• Entrepreneur
• Worked with CMM Level Top Companies: Veritas, Symantec, Yahoo!, Zimbra!, Syntel Inc., PubMatic, ANSYS, Siemens …
• Worked with many Start-ups!
• Founder of Open Source Circle Community & FIRE (Financial Independence Retire Early) Movement India Community
4+ Years of Experience Trading and Investing (Research/Technical Analyst)
• Running 4 Open Source Circle Community Chapters across India (Pune | Nagpur | Ahmedabad | Mumbai)
• Email: PavanLinux@gmail.com | FireCommunityIndia@gmail.com
• Phone: +91-98222 34412 (WhatsApp)

5. Time = Money
You are today what you thought of yesterday, have brought to you here and you will be tomorrow where the thoughts of today
will take you.

6. Time = Money

7. Time(Skill) = Money
12+3/4+2 Years
for Learning
Learning
1
Specialization
Knowledge
2
Lean
+Understand +
Mastery
Skills
3
Getting
Experience by
Implementing
Knowledge +
Skills
Experience
4
Confident When
you use you Skills
+ Experience
Confident
5
Getting Rewarded
for you Hard
Efforts and
Patience
Reward
6

8. Time(Skill) = Money

9. How much
TIME We
have!
9

10. Time = Money

11. Time = Money

12. Time = Money
Life and Facts!
Any Journey starts with WHAT and WHY, and ends with HOW
and WHEN!
[Knowledge + Skills + Experience] x Time = Money
(Where Time is DOUBLE edge SOWRD!)
What is Income?
What is Wealth? Rich?
Emergency Fund?
What is Saving, Investing and Growing?

13. Time = Money
Life and Facts!
Who becomes wealthy?
Why do I need wealth?
Do I/You/We need to invest?
What it takes to be a WISE Investor?
Do I really need to know Accounting, Finance and understanding of all
Financial Statements?
Do I need to be Financial Advisor/Investment Expert?

14. Time = Money
Life and Facts!
What is Retirement for you?
When you want to Retire?
How much Time do I have?
How much Money do I need today, tomorrow and for retirement,
future requirements etc.?
What are my responsibilities? – For Today, Tomorrow & Future

15. Time = Money
Life and Facts!
Personal Goals (Short/Long-term)
Financial Goals (Short/Long-term)
• Networth
• Expenses
• Liabilities
• Assets
Age = Time?

16. Time = Money
Life and Facts!
Savings (Short/Long-term) – SB-A, RD, FD
Investments - GOLD, MF, Stocks, Real-estate, Other Investments
Diversification? Balanced Portfolio?
Future Value
• Financial Planning
• Retirement Planning
• Child Education and Marriage
• Income Vs. Wealth
• Life, Health and Assets Insurance
• Emergency Fund and Financial Security
• Debts | Loan | Mortgage
• Income Sources
Budgeting
Taxes

17. Time = Money
Life and Facts!
Biggest and Most Important Question for ALL
How and When are you thinking to address
these open items for your LIFE?

18. Time = Money
Life and Facts!
Core Questions need to ask yourself!
If you WHY is clear then:
• What you need to achieve?
• How much you need to achieve?
• By When will you get there?
• How will you achieve?
• How will you reward yourself when you reach it?

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We respect your valuable TIME with FIRE Community!

20. Next Step….
There is NO Tomorrow!
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Join FIRE Community: https://t.me/FIREStockMarketAlerts
FIRECommunityIndia@gmail.com | FIREMovementIndia@gmail.com
www.OpenSourceCircle.com

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Life is a like Journey… it has starting and ending!

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