Do you know your ROI?

Well, I call it CRR (not cash reserve ratio you geeks) child return rate. Parents will be shell shocked when they realize the amount they have spent on their child/children and that they would have been better off without one. I sound heartless…but you have to be practical sometimes, or just check out your “cost price”. I checked mine out and told my mom...And I asked her, “mom why did you give birth to me…you would have rather bought property in some prime location (I would prefer a Ferrari) .I started calculating the “fatka” my parents have had because of me .It came to about, 4 CRORES!!! (I have also taken into account the changing value of money and the interest they would have earned if deposited in a bank) I have not yet calculated the opportunity cost and cant do so too...It could have made them millions or even billions maybe and they might have been worlds richest, but they rather have me.

Coming back to the practical aspect. When am I going to recover all their money?(its not like they want it back, I just feel the need to find out my return rate)…I calculated and found out that if I am very optimistic, even then, not before I turn 30 would I be able to break even .Putting the intangible aspect into play (meaning-putting the amount your mom worked on u, from changing diapers to the every day dinner, all the hard work) then around 35 , counting the opportunity cost then maybe never..Not maybe…never. Its rightly said...You can never give back to your parents what they have given to you (unless your parents are like Benjamin button-when you will be young they will be old and when you will be old they will be young and so you can care for them the same way they did).

One final thought and some home work for you. Since most of us doing don’t believe anything without seeing some numbers, I think you will be totally satisfied after you have calculated your own life expenditure and get your real value so that my theory(yeh , I am really proud of having a theory of my own) is proved.

Once you’re done with all the painful (more painful for your parents, so don’t dare show it to them) calculation, I will ask you,

So what’s your rate of return dude?