The mindset shift that changed my life / Yogendra Kumar Malik

so i had a friend and come customer is name is dar mangan he i was meeting in every time when i change the job i go and sell im policies and he s a avere customer we har bar tom plan laga pension lega you lip laga and is not a guy you can chat around means you can not just mieli one find day was like iidated or what what he said is yoginder कब तक तुम mar ने medical reprgentdandwen will you become doctor i said doctor con become a doctor now i⁇malred like twenty four twenty five i do have that said no not this doctor you become if financial doctor when you really understand the money when you really understand the products when you really understand what actually benefit the customer you understand the customer they are bgt their money said i don t understand he said see today i understand medicine better the new because have studded for eight years for six years if you understand money, because you are studititfor so many years like you waiting for me people will wait for you to give that advice and the bay you and i just came out he gave me a check of you life for sixty thousand rupees i was happy to at hazar but that night i could not sleep i had this in my mind on in but i went to target goldsheetso did not walk but next year he s top peking my call and he said are you have you become financial doctor then call and that s tried mein directly and i started researching how to become a financial doctor what is it i have to do i started a research google and everything was not the and i found a guy s name is pankaj mata he was giving lecture in a program call many mantra the program ad in indian telivison on two thousand and seven money mantra the market was jumping skyrokets and this guy in one of the program said be careful americans are slipping if you are porting all your money in one all your ex in one you may get no chick get los of all the ex क्या बोल है मेरको समझ नही because mere pas tv ne t let it to in so i rod him this is so tv canal give me is email id e ha i to isko mal lica bons ki after a month or so i said yes no i got this sorry my mail was for blabla something you said okywhatdoyouon i said you said american sir slipping one basket i dont understand this concept s you dont understand the concept of diversification you dont understand the concept of for for an institutional money you don t understand some privat crices said no i don t understand any of this said who are you i said i m a branch manager of india number on private life insure company ics podinsialiwas a rung manager i was selling you live like trcklodeveryday so you said its very strange you are selling stock best product, but you dont know about all this i dont know the is recommended some office videos some other videos you tub started at that time and by internet speed was so salobiwanthruit one video is string and there is something cold is housing में कुछ क्राइसिस चल रहा है us and be comnisaninvold that time it was not name subprime so i went through this i understudthirty forty percent of it but i understood india ka pa है वो जाने वाला है so december to thousand and seven i sis my clints many many my families money from equity based to detabase i started doing that by junvary febrary i was like se eighty percent of my customers many and my many i already putin det thankfully sold you live thankfully is sold a mutual fund to a switch and when march apralithappend market crash i ssd for punkasmatpal again this guy was talking sense now it happen proof of the putin and that s the moment i started my journey of being in financial doctor i should know more than i ces direct branch manager i should know more than ics bodinglnasionl heads i should know more than every tom day can hari at least who everage person, because i proudly call mere pas to ts sal ka experience he to that experience should have resulted in college नेजिंगनेशन छोड़ो and i came to जलendrandiwasdूing my this germany and you know taken the month live विदा aplid करोल बाग में इंडक्शन ट्रेनिंग लेकर उस समय मेरे पास पैसा नहीं था, सामा हाथ पैर जोड़ के इधर उधर से पैसा लिया, 40 हजार का ट्यूशन था, सी एफ पी का एग्जाम थर्टी वन थाउजेंड का था, पहला एग्जाम दिया फेल, दूसरी बार दिया फेल, तीसरी बार बोला अभी तो पैसा दिया, फेल हो गया तो दोबारा के लिए भी पैसा दिया, शादी भी बना लिया है एंड सम आई पास्ट बट देन स्टार्टेड लर्निंग मोर मोर मोर मोर and by the टाइम माई बॉस कॉल्ड मी एंड डिसाइड की तो रिजाइन कर दे तेरा बस का तो है नहीं तो पता नहीं क्या कर रहा है वहाँ बैठ के पोस्ट जलंदर और रिजाइन करके भाग जाए। हाँ मैं क्लस्टर मैनेजर बन गया था, तब के रिजाइन होता है तो सम कपल? and the walk in the actually walk in the said, what is happening he said, मेरी न ब्रांच, मैनेजर जमीन बिकी है, मुझे लगा आपसे वेटर कौन समझाए bank me clt हूँ englis bank he walked in and i said मैं उसको पूरा पोटfोलिोहीललैnड ten point five koror okay find let me handle this सो आई स्टार्टेड बिल्डिंग अप की क्या करना चाहिए क्या करना चाहिए couple started relaionship को transaction he wo invested most of the money in वेरी oपोर्चुनिस्टिक यू नो लिक्विडेबलडedfnडs largcap which नाव आरेडी evaporated t f i i मनी रिसर्च कौनसी स्टॉक f ई मनी खत्म हो चुका है कौन सी इक्विटीज से तो अब सिर्फ इंडियन रुपए बचा है, तो अब so i resersdainvested nvetेdइनकॉरपोरे बॉन्ड्स th and i cap to some three point, five crores in the liquidableformet so that they have this in all that। and ye sab ho ga, after some time, they came to understand each thing, some, how they got maybe they were discasing with someone and somebody told them this guy was with you is actually a jenming is not taking your money in in the target, see is taking। because his in employ, इसने अपना पैसा आपके ऊपर, मतलब आपने ऊपर नहीं लगाया है, तो यह आदमी help करो। i was सपोज तो रिजाइन in the ब्रांच माई ब्रांच and they gave fifty लाख रूपीस मेरे योगेंद्र को बोल देना, जहाँ उसको लगना लगाए मैं 5 साल अफोर्ड कर लूंगा 50 हजार लाख दे दूंगा मैं ब्रांच वन था वाज गोइंग ऑन सम सेल्स काल और समथिंग कम बैक वो मेरा यूनिट मैनेजर बैठा हुआ था एजेंसी मैनेजर सर ये लॉगिन करने के लिए वो दे गए है ये वो सडनली ब्रांच वाज फुल पीपल देव थिंक मेरे कोर्ड में मेरे कोड में hos अच्छा ये वो सरदार जी है cold साइड करा नहीं सर आज मुझे पता चला है मेरे भाई है दुबई में उससे डिस्कस कर आप तो बहुत जनम 50 लाख तो मेरे लिए कुछ नहीं for the month के सो वा तो मैंने डिस्कस किया, ट्रांसपेरेंट ली and that day first time in my career, i said okay hello fifty lak regular, i will put in you lip, it will be counted hundred twenty percent at that was counting hundred twenty i put her in this product, so the commision is five lack ten percent you are supposed to pay to in five lak and to print five lak। योर ओके बट ये फिफ्टी लैक लेने के लिए aनीबडीडजट्वंटीfive first as रेगुलर प्रीमियम और फ्री लुक नहीं होगा, कम्प्लेन नहीं आएगा l give the fifty lak रूप सो मेरी ब्रांड जीरो पर थी and in नेक्ट ट्वेंटी फोर आर आई हैड पीपल get her everything five caror, rupees people had follow up or whatever i dont know what they did they were not listning to me so there listen to the money and i said okay by the time i already spoke to the sardar, i said no i split into five policies, please allow me, because i have contest and evthinhewaslike running by brand। he was you everything so, i experted into five policies, five people are you distributed okay and since i have some money so i had deposited around seven point five caror in one day login, it was a record in the market, which is flown which is crasednobodys depositing anything in the month of jun in the month of june when there is a off season i deposited seven point five went jalandhar had blast with my team, we went to a club osplatballing snukersadeverything ad we deposited and i came back and i told my team this my farrel by by im गोंग still disnyeahirisant and i came so after couple of days i got a call from that see you have to com and traning head have seen you taking some training and all so she wants to talk to you in chandig you come to chendigardsaid okay find then i came to chandigad i spoke to a he said i want you to be trainer in dali and i know your struggling you dont have money you just mated, but i have got good feed bay said okay fin love to do training now i think i know something i can the so that s how i came back i came to in training now what happen some all in jendigetwas regional office for iceswaantion i s bout boss said both of your boss आर suspended one is transfer to icici bank because of a mall practices and other guy is migrated to back office i said seriously they were the like pillars of icpangliswastv report icc podanglbrेne and that was my indication to get into this finite then i did not stop my education came to belly going to a m lectures lot of things and that s why i want each one of you that if you want people to come back to you and give you here is my money do it something good visit i believe you i dress you red then you going after people that s why you should become a financial dot one clाindchange my fortune imagine still till in it simple उसकी जमीन किसी hाiwaपेआगयथी that it haंडसामाओकुदरत ने मिलना था तो like this so these are two stories। no is something like this your craft and may be there is insprasion from this and that s where you know we can really do the things you understood me।