He Transformed Financial Planning in India; Now He's Conquering America

Foreign.

Welcome to this edition of the Million Dollar Mastermind podcast. This is where we pick the brains of high achievers from all walks of life and get their hard earned real world insights on winning. I'm your host, Larry Wydell.

I'm talking with Ranjeet Moon Holker. Hello Ranjeet.

Hi. Wonderful. Nice to see you.

Where are you today?

I'm Phoenix, Arizona.

Phoenix, Arizona. Okay. And what's the weather over there?

Oh, it's pretty warm out there actually and it was raining yesterday so it's cool as well. So warm and cool. But put together we just had a.

Big storm blow in from over that way. I'm over in Colorado now.

So.

What I'd like to congratulate you on your incredible success in business in the professional area and your own personal achievements, but also how you've been able to make an impact with other people. And so how did you get like for example, you were chairman of the American association of Information Technology professionals, spearheaded over 100 events just in the last year with over 25,000 participants. And so you do 14 different things but you're making an impact, you're hitting a lot of people. And so you've been in the area of financial planning, coaching, advising people and to do that you have to have achievements yourself. And so when you got started, I'm going to back up when you got started, where did you come from and what was your intent as you got into the business market? What got you excited about a career and what you saw maybe other people doing that you'd like to be doing?

Okay. In fact, I would like to put it exactly the other way. I wanted to do things for other people are not doing. That's the first and foremost thing actually. So at 24 I was director general and dean of one of the leading universities in India called Symbiosis. It is one of the top 10 business schools. Then I became a CEO for Financial Planning Standards Board. Then I moved to USA. I was, you know, started off this next league program helping people become the best version of themselves. One thing lady that I have seen is if you see other people's successes in as your success and try to help others to become the best version, I think the success follows naturally to you actually. So you don't really have to make any effort. And that has been my kind of, if I may use the word, core mantra for success actually that's what I have seen myself doing over the last two decades.

What caused you to get that idea in your mind at a young Age I want to be doing something different than what most people are doing.

Well, I, I think I must confess to you that behind me you see a photograph. I was, I think 23 or 24. I got to meet Dalai Lama at that particular moment of time, actually at a very young age of my career. And I got a one on one. It was not just a kind of, if I may use the word, just kind of interacting with him very few moments. It was a very intense discussion for roughly around one hour. I met him and I personally feel that changed my outlook towards life. And one of the things, I just asked him a question that what is your guidance to me that if I want to make impact on the world, he said, don't try to change the world first, change yourself and try to do something for others. If you can see other people's success as your success, I think you will be more connecting with people. And this is, I think this whole perception has lived with me till date and I'm very happy about it, let me put it that way. So that was that. I think I was 23 or something at that time. And I have lived with that philosophy.

Dalai Lama, is that excellent? How did you come across getting the time one on one with the Dalai Lama?

Oh, I think it's not about me getting time. I think I'm able to time it. He got to, I mean, there was a common function in our institute when I was a student and I met him at that particular moment of time. And incidentally I was kind of escorting him from one place to another place where I got a very one hour time, a private audience with him. I would, let's put it that way, I took a chance to meet him again. He was kind enough to kind of give me an audience. And that changed my entire perception about life, about how do we view success, how do you view business? And nothing has been stopping me after that.

Now what were you studying at that time and then what position and what direction did you move in.

After that? I was actually doing my MBA actually at that particular moment of time. After that I joined a capital group which was in India. They had an operations in India. I was in financial planning. After that I became a director of the same institute, my alma mater of symbiosis at 24. So I was there for over five years and then I became chief executive officer at 28 of financial planning standards Board.

Yeah. Now talk about, explain to us what it's like growing up in India. The competition and the odds. You know, it's like you know, I was talking with some friends, Ranjit, over the weekend, and it seems like anything great you want to do in your life in the beginning, it seems impossible. Like if you hear one reason people get discouragement from their friends when they tell their friends they want to do something great and they've got this great idea. One reason people are so negative is because most people don't succeed. They're not really driven. The odds are phenomenally against you doing anything great. But in spite of that, we see people do great things all the time. And now what was in your mind? How hard, big of a challenge was it? You know, how, how did you see your opportunity growing up in India? What, what was that mindset?

Okay, I think, let me simplify the question here. What you are saying is that, you know, what you are talking essentially about is something what in today's terms, what people call as imposter syndrome, you know, that people believe that. Oh, you know, it's, I'm not cut out for that. Or, you know, something like this. I think it primarily seeks, emerges from purpose that, okay, you are trying to seek other people's validation before you even start it. If I have to achieve something, first thing is that don't try to seek validation from other people. I never seek validation from other people about something which I intend to do. Your intention has to be valid, very sacred, and for yourself only. That's the first and foremost thing which I have seen. Second thing, don't try to do something for only for yourself for the sake of doing it. Do it for the betterment of people around you. If you, I mean, I think these. I like to keep things very simple, Larry. I don't like to over complicate things. I don't like to kind of talk to philosophical things also. I may not be kind of cut out for that, but only these two things. What I have been, first, as I said, no imposter syndrome. So I don't let that imposter syndrome come near me at any point of time. And second thing is always try to do things for the betterment of others.

Now when you, you've published over a thousand articles around the world, what do you like to write about and what do you find yourself themes do you see yourself going back to and what's behind all of these articles?

Okay, initially my articles, when I started writing, they were all about how to manage and plan your finances. And currently I have been writing, last two years, I've been writing about how to become a best version of yourself and achieve your American dream for you know, applying for something called as EB1 a green card. Now many people want to come to USA. They dream they come. There are approximately at any point of time there were 1.5 million people waiting to get their green cards. Now for getting a green card you need a job lottery or a sponsorship or a million dollar investments. Ah now what happens is there is a particular type of green card which is called as Einstein Visa. Now the law says that you need to be a Nobel laureate, you need to be an Oscar awardee or you need to be an Olympian medalist for that. Ah now everybody in every field now for example if Larry wants e green card there is no Olympic for that in your as a podcaster.

Right.

So would help people to become the best podcaster or the best software engineer, best entrepreneur. So if you even consider that create success metrics around that and tell the US government that you are best, you can get green card approval in as fast as 15 days rather than waiting decades for yourself.

So you got your EB1A green card in seven days without an Olympic medal, without a Nobel prize. And that puts you in a position to teach other people how to do it. And you got a six month intensive training program to do it. When was that?

Oh, I got it around five years back and I started the program one one and a half year back and so far I have helped over 15, 14 to 15 people become EB1A green card achievers like me.

Yeah. Now what was behind the talk about financial planning in I guess when you were 20 years of running the Financial Planning Standards Board in India. What's that like? What's financial planning like in India? It's a big country. Do they have a big middle class? What do the financial planners? You know, I can, I know in England there's basically nobody talking to middle income people. We tried in 2003 to go over and start a sales force to do that but the regulations are just too stifling because unfortunately Enron happened at the same time and they put a stranglehold on regulation. So we just had to back out and say we'll do that for another day. But all the people over there, financial planning deal with institutions and high wealth individuals. What's it like in India?

Oh, it's a very. I mean I was the first one way back in 2002 who started the concept of financial planning in India and amalgamated lot of corporations together. So when I was CEO of Financial Planning Standards Board the promoter of the organizations were over 50 corporations. Right. From Fidelity or financial group or there is a organization called state owned enterprises. The government agencies, they all came together. You see there are. India has a population of over 1.5 billion people. Out of them, at least, if I may say so, 40% would be what we constitute something as a middle class. So there is a huge amount of influx. It's not about, you know, India is one of the largest, as you call it, nation of savers. And we want to convert that nation of savers into nation of investors. So basically just putting your money and you know, buying it into some assets like gold or putting money into, you know, fixed deposits is not really financial planning. So what financial planning is that you have to make money run for you, make money work for you actually. And that's first of all the concept of financial planning. So I was doing that over a period of roughly two decades out there.

Now when you get like entrepreneurs in the United States, should they consider expand? You know, you have a lot of people that are expanding into opening up offices in Abu Dhabi, Dubai and actually making their headquarters. There is, we know there's a lot of people in India and seems like there's, you know, seems like there'd be a lot of opportunity. Would you encourage entrepreneurs to think about making a trip to India and doing a scouting trip and seeing about whether or not that's, that's would be a fit for them to expand their business?

You say India is one of the world's most largest market for every product. Actually right now it's ripe. Let's say for example, whether you talk from an airline industry perspective next to China, China would be. And even from a manufacturing perspective, India is opening up a huge market. So being a lot of middle class people love to spend money. So whether it is education, whether it is consumer product, no country company in the world can ignore India as a market.

Yeah.

So I think there is no product in the world that is that one would be foolish to ignore Indian market actually.

And so how would people start to find out about that? Because I'm sure most people are completely and totally ignorant about India. Should they, you know, start reading books? Should they start some trips over there and just see, you know, get their feet on the ground to start exploring on their own and start thinking about it. How would people go about evaluating that opportunity?

You see, opportunity exists. I think it's a very diverse market and it's a very clustered market also. At the same time, it's not a consistent market. So for example, if you go in north part of the country versus the south part of the country, it will be totally different. Now, for example, for a cosmetic products, there is a particular region that would be very favorable to begin with. Now one needs to have a deep market survey or what we call as a market research done depending on the quality of the products that you are kind of trying to implement out there or try to launch out there, whether it is a cold drink market or whether. So one can easily kind of do that. There are certain tools available, there are agencies available who can help you for that. And one can easily navigate through this entire process. I don't see that as a major complexity.

Are people entrepreneurial in India?

Absolutely, I would say that. And not only they are entrepreneurial, also the environment right now, the political environment, sociopolitical environment is becoming very conducive for that particular purpose also.

Yeah. And so when you move to the United States, was that five years ago or have you been here longer than that?

Well, I got my green card five years, five to six ago. But I totally lock, stock and barrel. I moved in the US in 2020, roughly around 2020. So initially I was settling between the two countries.

And why did you do that?

Oh, I loved the spirit of American dream. I loved. I wanted to study something more at this particular age also. So I joined during COVID My family was already had moved here, my daughters were studying in the United States. So that gave me an opportunity to move back here. And there was a lot of. I felt there was a lot of learning scope available here for myself actually.

And so you have gotten into what have you done since you got here? What did you start? I mean what's your entrepreneurial.

At the moment? I kind of landed here. I think suddenly there was Covid actually here.

Yeah.

So everything was locked up. So I had kind of. I couldn't move back at that particular moment of time. So I was managing my operations for Indian operations. Sitting here in the US since everything got knocked out. I did my. It was my second masters at Thunderbird School in Arizona University. You know, so I did that asu. That was my first thing what I did. And after that, as lot of people started approaching me saying that well, they are trying for EB1 a green card and can you help people? So I started a coaching program which is called NextLeague program. And since then, since then there has been no looking back actually.

Yeah, when you came up, you know, there's always struggles. You always have to overcome challenges. And coming from another country and spending years over there, I think it'd be fascinating to hear what kind of challenges you ran into as you started to try and make a name for yourself and what kind of, you know, when. When you came up in your 20s, were you working inside financial institutions?

Absolutely. But I think I was pretty fortunate to large extent that I have widely traveled to several parts in the world. I would have traveled to almost, if I may just. I don't have a head count of that, but roughly around 35 to 40 countries in the last 20 years. And when I say just travel, it is not just as a tourist. So there would be a difference between being a tourist and a traveler. So I have been more like a traveler, adapting myself to local culture, local cuisines, and trying to kind of get the best for work. It has been mostly for work, actually. I would say that meeting the government officials out there, even though it was for a short duration, that gave me an opportunity to be more mobile and to be more accommodative for myself. It is not that I was in India and just sitting out there in India at one place and going for 20 years from my home to office. It was pretty cosmopolitan way of living I did have there. But yes, when I moved here, the culture is different. When I say culture, I am not talking from a social culture. It is also a work culture. How do you manage things here? You have to do a lot of things yourself. You have to drive, you have to learn a lot of things. So there's a lot of support system that follows. But I think I got myself accustomed very fast for that particular purpose. There was a challenge, if you ask me. But I always look at challenge as an opportunity to learn new things. So that helped me a lot.

But now everybody is not getting. As you're coming up the ladder, you at your stage, you've got all the credentials, you've written articles, books, you put on major events, and you've run financial institutions for 20 years. So you have people who know you, who got into the industry through your supervision. And so you've got contacts everywhere. But in the beginning, you don't have that credibility. And you're trying to establish your credibility. What did you do? What did you find out gave you the biggest clout in that industry where people would take you seriously? Because the tendency is people don't take you seriously and dismiss you.

It's a very valid question. And let me try to respond to this more on a very granular level. I think to begin with, if you are getting into a new field, because from moving from a financial planning to a coaching business I think that was a major shift. If you are asking me that question that okay fine. How would I make myself as a mark to let people know about my particular expertise is about simply starting off making yourself available in the world, to the world. And for this you don't really need to kind of reach out to people. You know, in today's online world if you have Internet, if you have a computer, you have a LinkedIn account, you can create a website. You just start doing things every day better and more so I would have started if I if I look back just one one and a half year back when I started the mixed league program and today we have over 15 achievers from the program who have become EB1A green card holders. I would just say that I started off with a website putting myself a blogs post. Today my articles are featuring in Forbes, you know, and lot other New York Times and lot of the things which are out there. It is just I'm talking to you, I'm getting an opportunity to meet you. You have reached out to me. It is just that doing certain things to create more outreach, whatever is possible, in whatever way it is possible. If somebody wants to become a businessman, wants to sell his products, wants to be an entrepreneur, wants to become an IT expert, software expert, I think it's just that you have to start somewhere rather than analyzing or over analyzing something and trying to make a plan out of it. Plans never work. Yeah, actions work.

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Now when you going back to your traveler versus Tourist, were you on business? When you, you know, were traveling to all those countries, did you have or were you just trying to broaden your exposure and your experience and your contacts?

It was 90% of my travel was more as a traveler, as a business for business purposes. Say for example, even if I would have traveled to Germany or uk, I would have gone to France, but it would have always been more initially I Would say has always been to the for a purpose of my business travel, financial planning standards for the organization where I was working for has its affiliations with over 25 different countries. Ah. So I would definitely. So we would have had meetings all around the globe for this, for various purposes, meeting regulators, understanding the financial planning practices, the world's best practices out there. But having said this, at the same time, even if I would visit some country as a tourist or on a holiday, I would always try to, you know, kind of take out one or two days outside my personal schedule to meet the government officials and try to leverage my contacts to learn something good which would be good for myself. For example, if I would go to even country like Hong Kong, there is something an affiliation of financial planning. So what are the best practices out there? I would be happy to go there. I had been to vacation to UAE as well actually Dubai. So they're also in Dubai and Abu Dhabi. They have financial center actually dfc. So I would happy to meet the officials out there even if I'm on a personal visit. So I have always tried to leverage an opportunity to kind of understand the complexities in whatever job that I have been doing actually. So let's put it that way.

Well, when did you get excited? I mean, you probably were inspired to greatness early on by your meeting with the Dalai Lama. Just that experience probably affected you in ways you were not even beyond what he told you, but what you aspired for yourself. Because you've certainly moved to the top of pretty much everything you've gotten involved in. Where did that drive come from, do you think? And what do you think has made you to stand out and to move to the top in all of these different arenas where people want to follow you, they want you to speak at their event, they want you to write articles like you say, how many books you've written the foreword for in financial services and things like that. What have you done that's made you stand out and moved up to the top where people really value your endorsement and your comments and your encouragement.

Larry, there is no secret to this, but let me give you a lead here. Actually here it's not only Dalai Lama, but lot other great people I have been fortunate to meet and interact with. So even I would meet somebody for a very brief period of time. I would like to learn something from them, how I could be better. Like for example, when I was pretty young, when I met Darai Lama, to kind of get a direction of my life. Once I got an opportunity to meet a Former US President. You can see a photograph out there again with George Bush actually there. And at that time I was CEO of Financial Planning Standards Board. And he having come from a position of a great authority, being great learning of having run a country like United States for over, you know, two terms. My. I had, I. When I got a time to shake hand with him, my question to him was that I'm running so and so organization called Financial Planning Standards Board where we try to help middle class and to kind of help wealth creation for people. What is your advice to me actually? So that was my question to him. He did kind of, you know, ponder over and instantly he could give a response to me in terms of how I could reach out to regulations, try to meet different government agencies, even outside India, learn from them and bring it back to your government. Now those kind of. I have always been kind of in a mood of learning and there is a switch, I think mentally you will need to keep yourself on, to learn from, to be receptive to ideas and to receive new concepts actually from people. And I have constantly been doing that. I think we briefly interacted today. I'm happy to learn a lot of things from you in how I could do serve people better. It's not about you here in this world. It is about others whom you serve. If I look from that perspective and how can I help my students? How can I help to help you achieve your goals? I have always been in that mode of learning and that has helped me a lot, always, consistently throughout my career.

Well, you've met a lot of high achievers, government heads, people that excelled and again around the world, what stands out, what traits stand out to you that maybe were surprising, you know, because what I found is the closer you get to the top in any endeavor, the person who's there, they're very similar in the way they think they go about their business, their, you know, their discipline, their what they'll allow and won't allow in their life with, you know, managing their time, their money, their relationships and things like that. There seems to be a lot of variables with people who are mediocre and fail. They fail and they're mediocre in a lot of different ways. But the people who excel have a lot of similarities. And what did you notice about that as you over the years, being in a position of authority where you could get into these environments and talk to people one on one and get to know them?

I like this question very much, actually, and I want to confess one thing to you, Larry. Excellence and Mediocrity are not traits, they are attitudes. Yeah, that's the first thing which I want to tell you. And nobody is born. I mean, of course there are some born genius, but nobody is born. You can, you know, it's your work. I have a very, I love to make a statement here, Larry, that and I will tell. Answer your questions accordingly. That, you know, people come to me and say, oh, you know, this EB1A green card is for celebrities. Nobel Laureate and Olympians. Well, I'm not an Olympian. I'm not a celebrity. So do you think I am qualified for this particular EB1A green card. And my response to everybody has been that, well, you don't have to be a celebrity, but your work has to be celebrated.

Yeah, right. Yeah.

Okay. Now that's the first thing. Now, having said this, if you are talking about a personality trait about all the individuals whom I would have met and great achievers, super excellent, extraordinary in their own rights, whether it was Dalai Lama, whether it was Bush, whether it is a person like Ratan Tata, I would have got an opportunity to meet a former President of India, Dr. A.P.J. abdul Kalam and many others. I think one of the common traits is, and I'm going very granular here is that they are number one, they are very good listeners. That's. And when I say listen, it's not about only hearing. Okay, Larry is talking, I'm listening. I'm not talking from that perspective. So, for example, if I were, I would have spent an hour with Delilah or even 15 minutes with Mr. George Bush. I can promise you, Larry, one thing that their complete 15 minutes was devoted totally to me at that particular moment of time. So their knowledge, their wisdom, their years, hundreds of hours of efforts were convergent towards me. I had their all years for me. For me, actually, when I was listening to, when I was talking to them, and I could see that in their eyes. I could see that focus and incisiveness in their eyes. And I think it's only one quality. I would say that at the end of the day, I'm not talking about. Because I don't know that personally, I would not kind of interact with them on a one, on one level, but it's more from a professional setting. So whatever little I understood from that and I could grasp that they were. They, all of them are very good listeners. So when I say listeners, what you are, what I mean by that, I have tried to explain. It's a convergence of their total experience being completely with you for that moment of Time and then to give, offer an input back to the person based on that convergence, which is a great quality. And I personally feel that even if we try to imbibe 1% of that into our habits, so even if you are talking to me, I'm talking to you, we are listening to each other. What is it that you are trying to say? I am trying to understand and give mutually each other to the world. And I'm sure these guys would be meeting thousands and thousands of people over a period. And if they are able to focus and converge their energies for each and every interaction, what they are doing at that particular moment of time. So I can tell you my feeling at that particular moment of time whenever if Dalai Lama is talking to me or Abdul Kalam is talking to me, I felt that for that particular moment, the time was still. They could make me feel that they are totally for them for that particular moment of time. And I feel that this is a great quality, lady.

Yeah. And as you've dealt with a lot of CEOs of companies, I guess it's become obvious to you that the quality and energy level and attitude of the person at the top infects the whole company. And.

It'S very infectious. I would say that in that sense, what you are trying to say, it is not only, you know, kind of superficially it's doing that. It's the. If you are focused like this, you produce a certain kind of a vibration. And when you are vibrating at that level of energy, it percolates down.

Yeah. And I don't know if you follow American football, but we have a celebrity out of that world called Tim Tebow. And they always used to ask him why he was so positive. And he said, well, he said, I know that when I go into the locker room, if I'm negative, that's going to be contagious, or if I'm positive, that's going to be contagious, the team's going to be a whole lot better off if I go in positive and spread the positive vibe than the negativity. And that's no more true than in a corporation or a business or even in a country. And when you're around people like that, it's inspiring. And talk about some people that are some experiences where we all run our course, where we're doing the same thing and things can get stale. Talk about some things in your life where you've run across some of these inspiring people and you've gotten inspired, you've gotten energized.

Okay. I think Let us also start. And I want to. As you were asking me this question, I was thinking about a response. Actually. We all get de energized, let's put it that way, or vibration at a low. When we are judgmental about people, okay. Have prejudices. One of my former bosses, I would say that actually has been one of the former Supreme Court judges, actually. His name is Justice Shri Krishna and a very accomplished jurist, I would say that. And one day I want to share with. I have spent about five years with him as my boss. There was one particular question I did ask him and I want to kind of give it to the world here is I asked him a question that, oh, why? You know, you interact with so many people. You have would have. As a judge, you would have penalized thousands of people, criminals. And at the end of the day when you went home, how did you feel about it actually here. And I think his response was very profound. I must confess to you, Larry. And that was another great learning for me. His response was that, well, I may be a judge, but I am not judgmental. Now this, let's understand from where this profundity is coming from because you are not trying to be prejudiced against the situation. You have to realize that you are just playing a role. You are just playing a role to do justice. Now, we are not in that position. Nobody has given us a position to be judgmental about anybody. And that was another point here. Now this is something I would like to kind of tell say that don't be judgmental. And I think that puts us into a very compassionate mode and that gives us a ability to serve others.

When you've talked to people and been in a advisory role, what is the biggest thing that you find you can tell them that causes them to turn things around and cause them to realize changes they need to make.

I think people love to hear stories, success stories, which resonates with them. Depending on their culture, depending on their own way, they have kind of evolved themselves. That's a question. I think another aspect is that how to break myths. You need to have an art of doing that successfully as a leader. Everybody have their own misconceptions. They come along, which is, I feel, is a baggage. So if you are able to help people to unload their baggages, I think you are doing a great service to them. Actually. You don't know great people or people. You don't really. If you want to help people to become the best version of themselves, you don't need to kind of, you know, teach Them something I think if you're able to unload them, help them unload their baggages of preconceptions and prejudices, I think 50% of the job is already done. And that's what I try to do. Then second is to motivate them and try to do try to offer them some kind of a success stories which would resonate with them and it works as a magic.

Now let's shift gears and talk about you personally. Did you bring a family with you when you came to the United States? Did you have family in Phoenix or friends or network? What kind of a network of friends and family have you established here?

Absolutely, I have, you know, when I came here initially, my wife and with a 2D with our two daughters, we, I mean my family shifted here and I followed actually because we wanted to give them the best education here in the US so they moved here and they came here in 2018 and I moved here in 2020 and that's how it was. Yes, we have, we have some folks here, I think. Larry, another interesting thing, I must tell you whether you are aware that every middle class or and above in India would have somebody the other relation in the United States? Yeah, we all have. If you pick up any random guy from the street in the US In India they would have some relative or some folk who are cousin or second cousin or best friends cousin known for the them in India. So we have, I think India's India is I think one of the largest communities of immigrants and beneficiaries for the green cards also here actually.

Well, and the thing is that the people from India have pretty much penetrated every, every state, every town. They're every, they're everywhere. You know, there's like, you know, people listening to this. You might not be aware of the opportunity that exists your business in India, but you might not be aware of how many Indians are already here.

Absolutely. And it's a wonderful thing. Chinese are another, I think the major immigrants actually here and second would be Indians. Yeah.

Now what have your, have your daughters responded? Are they Americans now?

Absolutely. Both we all hold US passports now. So they're all Americans in that sense.

Yeah. How do they respond to the change and how excited are they about being here and living here and you brought them here so they could have a great education. Is that working out the way you want it?

Absolutely. I have One daughter, she's 22 doing biomedical engineering and the younger one is in high school. So I think they are getting the best of the world. We are Indian so we Have a strong resonance to our culture. So getting the best of both the world is something I'm ideal for every parent actually.

Yeah. Now are you excited? Do you have right now just excited about getting your business going and doing things in the United States or do you have in the back of your mind some places in in the world that you would love to go back and do some things or maybe expand your business or get involved in business opportunities in different countries around the world? Because it's exciting to be in these emerging nations and emerging economies and growth is intoxicating wherever it comes from. And if you've got ties and opportunities in other countries, sometimes they can pull you, pull your attention and time over there is. Do you find that any of that happening right now to where you're trying to pick and choose? Where am I going to put my time?

Let me tell you about myself. In my entire professional career, I have had only three jobs over the past 20, 22 years. The first was when I was the director of Symbiosis Institute, which was a business school, one of the best business school in the world. I would say that. The second was Financial Planning Standards Board where I've spent two decades and last two years I've been trying to do this coaching. Every time I did any job I felt and I believe that that job was specifically made for me and my life. I made that as my life's mission at that particular moment of time. Unless and until I outgrow that. Yeah, when I feel that that particular profile or the job cannot give me anything more than what I am doing, I would move to the next level. At this moment, I think there is a lot of work for me to do. I'm extremely happy. I've committed myself to help my students on a full time basis. Helping people to become the best version of themselves. And if many people are able to get green card, EB1A green card isan visa. Genius visa as it is called. Because of my support and service. I love and I wish to continue this for my life.

Now what was it? The events, the, you know, supposedly a hundred events in the last year. Were those financial planning events?

No, they were all kind of events related to EB1A green card and helping people. Were they motivating them to become the best version of themselves actually in whatever way endeavor they can and use that version to apply or position yourself as a potential EB1 a green card candidate.

Now how do you spearhead a hundred events like that? Where were they? You know, where were these events in the last year.

Okay. I mean, mostly they would be online. Also you can do at various schools and colleges and just there are 365 days in a year. In a year you just have to do one every day. Every alternate day you can do 52 and you can do 100. The world is a large OSS, Larry. I mean, you have to start somewhere. If you do things, it will the. I think the path will follow, actually. So it's not that you target 100 events or 500 events or 50 events. So you just have to do things, start doing things and start doing things each day, but better each day and more each day.

Now, how big do you think this business can get and when, how long will it take you? There's not an unlimited number of these green cards that can come into the United States or is there?

Well, there are 1.5 million people who are wanting to come to the United States. And E1 green card does not require a sponsor, a lottery or any investment of 1 million or something which many other green cards may prescribe you to do that. Right. So the first thing is that my coaching is not only about or business is not while it is focusing towards a green card. It is a milestone in your journey. The idea is to put you on a success path where ET1A is a milestone in your entire journey. Now the whole process of coaching which I'm teaching can be manifested into multiple other purposes, like for example, getting a better job, better career options or growing your businesses. This would be for anything and for which there is a unlimited growth potential that exists.

Yeah, well, this has got to be quite a change for you because having been in big foundations, big companies with a lot of people around, probably a pretty big staff, a lot of credibility, a lot of, you know. But now you're by yourself.

I know what you're trying to say, but frankly speaking, let's understand that large companies are not. Okay. I think that's a very important aspect I would like to share with you, Larry. Large buildings or large companies are not necessarily institutions.

Ah.

We have seen large and especially I do come from a financial world, so I'm. I can tell you this for certainty. There are large banks and large financial establishments which have failed in United States and rest of the part of the world it has. They have demonstrated that how greed and misconduct can be abused and have been. Has been badly abused. Where institutions, so called institutions have failed, where the governments have had to come to fail. Now every establishment of its worth, if, if it has succeeded, it is because of number one, there is a difference between being a large company and being an institutions. Let's understand institutions are not big or small, they are institutions. And I have always kind of trying to institutionalize the systems and the processes of what I do. I have helped, you know, kind of small companies, if you may call them small, becoming large institutions. Because institutions is the fundamental difference between a company or any company or institution is that the DNA is very strong. The institutions operate at a core values, while companies need not.

And so how do you help that process occur?

Oh, the first thing is that, you know, in whatever work that you do is that, I mean from a. From a business standpoint, I would say that it's one needs to institutionalize the processes. What you are doing can. Okay, there, there is a. You know, if you Google today there is something called as I've created. That article got published in Forbes also I call. They call it something called as Mudholkar Matrix actually.

What is that?

It is called Mudar Matrix.

That's your last name, Madhalkar Matrices.

There's an article in Forbes on that actually. It basically talks about that, how you call something as a contribution, as a original contribution. And there are five models for that actually here I'm not going to go into specific of that. But the whole idea is that those five models, processes, if you follow it helps you to institutionalize the systems what you do. And that can be applied to multiple array of things in whatever endeavor you are doing. It could be business, it could be patent, it could be a process that you are following. It could be used for immigration, it could be used for multiple other aspects that you are doing. And it is just that how you kind of manifest that into your. An individual can adopt it or an institution for a company for whatever activity it is doing, it can adopt it. So if you follow that, I think it's a very systematic way of doing things. I would say that. Yeah.

And the advantage of that is it allows you to get bigger, it allows you to standardize, allows you to have quality control, allows you to keep up with all the moving parts as things get bigger. And that's an interesting article. I'm going to go look for the Manhulker metric.

Metric, yeah, yes, yeah, metrics.

And hopefully my staff is listening, they're going to go find that for me. But with your successes, you know, just in the, the program on the EB1A tell us, you know, we talked about success stories. Let me hear some of the success stories you've had recently with that and how you know how gratifying it's been for you because like you said, that's your main aim is to help other people be their best version of themselves. I'm sure you've seen some great transformations. Tell us one or two of those.

Wonderful. Now we had one lady actually from India, she is not in United States currently and wanted to move here. She's a business owner, a small business owner and into a business of public relations actually here. And practically from starting from a very simple background, a middle class background as you we defined earlier, not too much of money, but a very high grit and determination to make and kind of difference to the world. I mean that was one of the key motivations. You know, I think there is a four step process that we follow actually we call this as done process D O N E. So first is that one. One of the key aspect is in that if you have to succeed, I mean whether it is for green card or for anything else, you have to define your expertise in a very, very calibrated way for the purpose for which you are doing. So it took a couple of time for us to kind of. She said, I'm a pr. So we said, okay, no, you have to be PR public relations for a particular segment of companies that you are doing. So a niche market or a niche expertise had to be crafted. So that was like a first step that we did. The second, we call it as organize. So you have to organize a very focused and specific action plan. What you intend to do, you are at point X and you want to move to point Y. So you are, you. You have your initial locus very clear and your destination very clear. So there were certain to become EB achiever, you need to fulfill certain metrics. So we go towards that. Now between X to Y, you. The step that follows is the third step which is called nurture.

Nurture.

Nurture. So define organize. Nurture.

Yeah.

In nurture you have to be available and visible to the world. It could be you have to have some kind of a website, you could do a podcast, you could kind of, you know, make some app. You have to learn new skills, advance new skills. So there are multiple array of things that you should do. And during this stage, what we have seen is people, once they start doing things genuinely I think everything starts falling into place. People get invited for award ceremony. People get into various global memberships, organizations. Some people even got honorary doctorates, that is PhDs. So the world starts noticing your existence and presence at this particular stage.

Why did you call that nurturing? That stage, because that's really where you define you. Get organized now, let's get going. And why did you call that nurturing?

Because you have to nurture your expertise for the betterment of the world.

Okay.

And the last is execute. Now your goal purpose is arriving. You need to. So if you're, let's say, you know, if you're applying then you need to kind of start working with an attorney or kind of understanding the jurisprudence of EB1A, what is US Constitution looking forward to. What is the IMA, which is the Immigration and Rationalization act, which speaks about the EB1A is trying to do. So you understand the complexities of that actually, and obviously the execute. So we call it as a dumb process. So this particular lady at the age of, if I may just kind of indicate to you, at the age of 50, decided to move to United States and very determined. So this is a very kind of inspiring story for me also to help this particular lady and to coach the person. We have had another person who is just if I may say, 28 year old, recently married, in fact lost a job also actually, and had only two months to remain in the usa, but had lot of, you know, passion in the eyes and the actions. An artificial intelligence expert. The person did a lot of efforts during the four month journey with us. Actually one of my favorite students, I would say that because I was putting in almost 15 hours on a daily basis, was putting in lot of efforts in terms of learning new things about artificial intelligence and how that can be presented to the world. Got some awards, got some prestigious membership, the whole process of done was followed. And Nari, I must tell you one more thing. At this stage, you know, in every job, in every activity, while I did get an opportunity to meet and interact with the best people in the world, celebrities, as we call them, in this particular job of coaching, which I'm seeing, I'm interacting with people who are at the pinnacle of their careers who want to make the difference in the world and you know, kind of impact the world by virtue of their commitment and fulfill their American dream. And I see myself as really a very, at a very fortunate level to be able to help them out for this position, what they're doing. And there are several other stories like this. I can keep on talking about them. But yes, since you gave me a chance to speak about two of them, I think I would say that these are the best stories I have at the moment.

Well, you know what we've done, Ranjit, we have figured out what One of your next projects going to be okay. You're going to be writing a book on the Madhulkar metrics.

Wonderful.

And inside that book we've already started things that are going to be in there. You're going to have the done the done Prince step, four step thing. That's going to be part of it. You've already had the five models. That's part of the metrics. The book is taking shape. Just forward talking. This is part of you nurturing, getting out there where you can help the world. And I could see it happening now. I can't wait to get my copy.

I mean writing is something I always encourage people to do it in their own way. Modern AI tools being available. Don't try shortcuts. I would always say that actually.

Yeah. Well, thanks so much. This has been a lot of fun talking and sharing with you. I always like to give my guests a chance to say the last final word. As you know, for the people who stayed with us and you know, listened to the whole, whole episode, maybe maybe there's one more thing that you could come up with that you as a parting comment that you'd like to leave in their mind.

I would just like to say that, you know, many people don't want to consider this extraordinary. They call it EB1 a green card as extraordinary ability. Green card. I think it's not about you being extraordinary, it's about you doing ordinary things in an extraordinary way. Actually. Okay, I would just say that, you know, become the best version of yourself because the world is waiting for you and at least you know, there are one, as I said, there are 1.5 million people waiting in the queue where the green cards for especially for Indians, the wait period would be at least if I do a back of the envelope calculation, it would be roughly around 40 years if not more green card. And this can manifest this EB1A can help you to manifest the green card in as quickly as if not few months, at least very one or two years possibly. So definitely do give it a try.

And people can find you through your website or through LinkedIn and things like that.

We have my LinkedIn profile available here, Ransheet Padulkar. And also we have a website, nextleapprogram.com fantastic.

Well, the name of it is the EB1 a transformational coaching program and so looking forward to seeing some of the success stories that come from that. Ranjeet and I appreciate you taking the time to share with us and I want to turn you loose to go enjoy that Arizona weather out there.

Absolutely wonderful. It's getting sunny out here. I can see that right now sitting from my window. And thank you very much, Larry, for the opportunity.

All right. Thank you.

Thank you.

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