Today Ajay shares the importance of financial education and How To Make Money From Home Fast On The Internet.

An important part of planning for your financial future is protecting it. Life insurance is a very effective option to help protect your family in the event of an untimely death or illness. Today’s plans cover many risks and have new optional riders to cover long-term care as well as critical and terminal illness.

Ajay Vadukul helps you prioritize your needs and determine the appropriate life and other insurance options, including long-term care coverage, for you and your family.

Ajay helps to ensure that a family or individual can move on in life, so that the paychecks can be replaced, debt and the mortgage or rent can be paid, and so that children can go on to college, as well as providing the means to live comfortably into the future. By eliminating the “what if” thought, he makes sure people are able to sleep easy at night and have a peace of mind knowing their family is taken care of in the event of death or illness.

On This Episode:

  • Ajay shares how his entrepreneurial journey began in high school.
  • Hear how the passion for helping people fuels Ajay’s business.
  • Ryan and Ajay discuss how their mom’s influenced their desire to start home based businesses.
  • Learn the reason most businesses fail.

Key Takeaways:

  1. You have to take a leap of faith if you want to see success.
  2. Integrity is the number one aspect of business.
  3. Reinvest at least 10% of your income into your personal development every year.

Tweetable Quotes:

  • “Having a mentor is like having a time machine.”
  • “People buy the product because they like you and they trust you.”
  • “Mindset is everything.”

Click the image below to subscribe to listen to more episodes on how to make money from home.

The Best Financial Education To Learn How To Make Money Fast From Home On The Internet

How To Make Money From Home Fast On The Internet From Instagram, Facebook, Blogging, On The Side, In College, Without A Job, And Even With No Money

TRANSCRIPTION

[00:01 – 05:22]

Ryan Allen Bell

You are listening to episode 14.

Ajay Vadukul

Hey! This is Ajay Vadukul, financial advisor. If you want to learn how to build a successful home-based business, you should be listening to the home-based business podcast with my goodfriend Ryan Allen Bell.

Ryan Allen Bell

You have seen the future. You know where your life is heading, but you know you have not taken the right steps to get you there. Welcome to the home-based business podcast, where we believe the only way to future-proof your income is to create a plan to build a successful home-based business. It is time to create a life of freedom, security and impact, with your host, Ryan Allen Bell. Hey! Welcome to the show. I am your host, Ryan Allen Bell. I believe the only way to achieve true freedom is to future proof your income by creating a plan to quit your job and start a home-based business. In this podcast, I will be diving deep into everything home-based business related and interviewing thought leaders in their space, who are creating successful home-based businesses. So, if you want to learn the new way of business, if you want to develop the mindset and skills to get you from where you are to where you want to go, then you are in the right place because this is the home-based business podcast. Today, I want to introduce you to my good friend Ajay. Ajay graduated from UC Irvine in three years, with a degree in economics and he has been in the financial industry for over five years with the various firms, before co-founding his own financial firm with his business partner. He is also studying for a CFP, Certified Financial Planner, which is one of the highest recognitions in the financial industry.Today, we are going to dive deep into his story and learn about the financial education requires to develop success in our home-based business. Now, before we jump into the episode today, if you thought about starting your own home-based business or you are currently working on a home-based business but have not fully figured out how to achieve the level of success you desire, have me and my team help you out. Head over to ryanallenbell.com to learn more and we can open a quick call to see if we can be a good fit to launch a home-based business for you.That way, you can achieve the freedom you truly desire in your life. That is ryanallenbell.com/workwithme. Yes! What’s up? I am so pumped to have Ajay here. What’s up bro? How are you?

Ajay Vadukul

Dude, doing great. Happy to have beyond thank you sir.

Ryan Allen Bell

Dude! Of course man. So, let’s dive deep. Let us get straight into it, man. So, I really want to find how to make money from home out the mindset and the skills that you pretty much learned over the years, growing up and really what it took for you to become the entrepreneur that you are today? So, I want to go all the way back to when you were young. Tell me about Ajay before you were entrepreneur, like what was life as elementary, middle, high school, for you?

Ajay Vadukul:

For me how to make money fast, I will jump to high school because elementary, middle school were just normal life,hanging out, nothing special. But I think, my journey really begins in high school. for me, I think the big turning point or I guess a slow start to entrepreneurship is, I used to volunteer at a hospital, out here in orange county, because all my life I grew up and thought I wanted to go to medical school, wanted to be a doctor; that is what my family has been doing. My mom used to work as an ER nurse, my brother’s a first responder for L.A city. Everyone in my family is in the healthcare field. And I used to volunteer at this hospital and I remember, every Wednesday 5 p.m., I would have to go and every Wednesday 4 p.m., I would drop dread going. I would check my temperature, see if I had a flat tire, see if I had homework; just make up some excuse to not go. And I think that is where I started clicking for me. Dude! I am not meant to listen to anyone,not in the sense be a rebel but be my own boss, not check in with people, not be on that set nine to five schedule and from that point on, I knew I wanted to do my own things. But I went to university, I ended up going to UC Irvine, down in Orange County. I went in as a bio major because I still went on that medical track, half to please my family, half because it was the safe route. After my first quarter at school, I knew this was not for me. I could not do eight years of school just to work for someone else and after that, I ended up switching to economics and from there, I went out and get my economics degree and co-found my own financial firm. but along the way, my mom actually was, like I mentioned, an ER nurse but she actually quit her job as an ER nurse to start a home-based business and I remember that first year that she did it, I think I was about 15 years old, back in high school. that was probably the happiest I have ever seen her, because as an ER nurse, I remember, we would get calls at, I do not know, 12, 1 a.m. pagers for her to go into the hospital. And that is no fun, you want to spend time with your family, you want to sleep, live a normal life but she was tied down to the job. But after the home base business,she was living her life, freedom, she was able to travel a little bit, take my dad places he has never been. So, as a family, we are a lot happier and that kind of set the tone of entrepreneurship for me, just seeing my mom take that leap of faith and for me, it was simple as that.

Ryan Allen Bell

Wow! How to make money on instagram. I am in complete shock right now because your story sounds like my story to the T and I need to tell you, just so you could realize how close our stories are, which I did not realize bro. I was, alright so, out of high school. I did not know what I wanted to do. I was like, okay, let me find a normal career.’ So, I chose fire, right, so I pursued a Korean firefighting.

[05:23 – 10:03]

Ryan Allen Bell

I got my associates on how to make money on instagram, my degree and I worked as an EMT for six years, working the 9-1-1 system.Okay, so I was in health care and then I realized, this is not what I want to do and that is when I got into entrepreneurship. But what is funny bro, is my mom. She worked at Albertson’s for my whole entire childhood and when I was like maybe, I do not know, 14 or 15, she started her own home-based business as well. She started her own thrift shop. Now, she has her own store but same thing is, I got to see her experience that freedom and I know, like over the years, maybe I did not realize it but unconsciously, that inspired me like, hey! This is the way to go.’ Man!That is so insane. That is so cool. So, I want to go back a little bit, to some of the things that youare saying. I even believe that even the fact that volunteering kind of sets, like plants a seed for entrepreneurship because we entrepreneurs, we do not want to work nine to five but we are willing to work 24/7. and it is so funny because if you have that desire to volunteer for stuff, like that is like the starting point to be an entrepreneur, is like the willingness versus the dread that you were talking about, versus going to something that you do not want to do; that is what you found out eventually. But I think it is really important, what you said is like, you had to discover what you did not want to do, in order to realize what you did want to do.

Ajay Vadukul:

Wow blogging! So, I think for me is, I really enjoyed helping people and that set the tone for my passions later, which is helping people. Back then it was get healthy, obviously now it is get wealthy. So,it is just the passion of helping people. The drag of volunteering was every week, 5 p.m. to 7 p.m. and it was just a drag for that is why I did not enjoy it. While I was there, I enjoyed helping people out. It was just the checking in, clocking in, every week; not living how I wanted to live,that I did not enjoy.

Ryan Allen Bell

Yes at home, 100 percent, man. And I believe, a lot of people are in that situation and just, it really does take that leap of faith to change your life. So, you decided to go into economics, right? Whatkind of inspired that? Did something happen that was like, hey! Like this might be a path for me or what is the story behind that?

Ajay Vadukul:

So at home, like we mentioned we had similar paths, so I also got my EMT license. I got it in high school. Yeah, I worked for about two days and I was like, no, this is not for me.’ Luckily, for me, my mom’s home basements, this was in the financial industry, so when I was 18, I ended up getting some finance licenses and stuff like that and it was either stick to the medical path that I already had started for myself, or venture off and try into this financial industry. UC Irvine doesnot have a financial program, so the next best thing was economics and that is where I took that leap of faith.

Ryan Allen Bell

Wow on the internet! So, literally, your mom planted a seed just like how my mom planted a seed also. It is like, hey! she’s pursuing her home-based business and you see her experiencing that freedom and traveling more and being there and providing more for her husband, so just wow!’ I love it,bro. okay, economics and then you decide to co-find your own financial firm. So, what is like the mindset behind that? What inspired you want to do that?

Ajay Vadukul:

So on the side, my financial journey, so I worked for a big corporation. That was cool; not I learned a lot,got my feet wet in the financial industry. After that, I went to a small private wealth management firm which again, I continued to learn a lot. After that, the only option was either to work for one of those two or co-found my own financial firm, which is obviously what I did. The reason for that simply is just freedom; freedom to help whatever clients I see fit or that need my help,whatever products and services I want to offer and build the company how I want to. So, we have a marketing budget that I am able to use in whatever way I want to, I am able to set up clients the way I want to and it is just the little things too. Everything is in our control, down to paperwork. Yeah, software we use. All those things, just being an entrepreneur and founding your own things and having control of your work in your own life, is what made me want to co-find my own financial firm.

[10:04 – 15:09]

Ryan Allen Bell

Wow bro! Yeah on the side, it is like what you said a little bit ago, is you just did not like working for someone else. And experiencing that freedom, I think once people could realize, hey! Likefreedom is in my grasp, everything can change at that moment and that is what you did is. Hey!Like, if I want to, I do not have to work for this company. If I want to, I could create my own company and I could go after even more freedom than what I am experiencing right now. Wowbro! That is huge. So, what is your future vision for this company that you have right now?

Ajay Vadukul:

Yeah on facebook, so my future vision with this financial firm, so, I definitely work in the first responder’sarea so my brother is a first responder for Los Angeles city, as I mentioned before. So, for me, I have noticed a lot of financial planners, financial advisors, they sometimes try to take advantage of people because the financial industry, it can be complex. There’s a lot of different terminologies, big words, fees associated, and people often get taken advantage of. So, I definitely want to create a platform for first responders that they are able to invest, save their money properly, secure their retirement and know, knowing that they have comfort that they understand what they are investing in and what they are using and what they are saving their money in. because like I mentioned, sometimes they get taken advantage of, so I want to take good care of them, while creating an educational platform that other first responders, out in the United States, can use to help secure their retirement as well. So, just grow a big firm that is able to help a lot of people out there. Simple as that.

Ryan Allen Bell

Wow on facebook! It sounds like integrity is important to you, right?

Ajay Vadukul:

I feel like integrity is the number one aspect of business. I do not care how good of a sales person you are, if you do not have integrity, I am not working with you.

Ryan Allen Bell

Yes without a job, a 100 percent, man. I agree with you so much and I feel like integrity, in order for us to be able to help people, first of all, we have to be able to help ourself, and the best way to help ourself is to have massive self-integrity. Literally, do what you said you are going to do, and if you could get that then, you could help one person at a time and eventually you could get to where your goals are, which is to help a lot of people, massive people, and that is so powerful.Okay, cool. My audience, these guys that they really want to learn how to build a successful home-based business. Okay? There is lots without a job of aspects to this. There is mindset, there is skills, there is this, there is that, and I know your strength is financial security, financial education.What advice or what steps would you recommend for someone who is just getting started at a home-based business? What is, maybe, like a basic template that they should create for themselves, for creating a safe and great financial future for themselves?

Ajay Vadukul:

So quick, for me, I guess personally for me, I guess starting my own business, some key things that really helped me were, and you definitely want to plan things out because starting your own business is definitely not an easy thing. I am pretty sure you also agree and we will be upfront about it. It is not easy at all, but it is probably [cross talk]. Exactly! That is exactly where I was going with it. And you are going to have your down days, you’re down months, and that is just inevitable. Everyone has been through it, we have been through it, Bill Gates goes through it,Steve Jobs; whoever has gone through this entrepreneurial journey, has gone through it. So, my best advice regarding finances is, understand your own finances and how much money you need to survive each month, and make that a target goal. That way, you are able to survive month-to-month, without being too stressed out and having to give up your business, because most businesses fail because people give up too soon, and I believe a lot of that stress and burden falls on the financial aspect. I also understand that okay, businesses sometimes just are not for you,they are tough, but I think a lot of people give up their businesses because they are not able to stay afloat and they have to go back to a job, in order to provide for their family. However, if you plan out your months knowing, okay, I need x amount this month, so if I make my amount, I need to save that x amount for the following months to stay afloat. And just while you are starting out, just save as much as you can, and reinvest that into your business. You may not reap the rewards right now, it may not be an instant gratification, however, down the line, the investment will pay tenfold and you will thank yourself down the road. So, just to recap becauseI know I went a lot of different areas with that, just plan and have a plan and execute that plan,and when you start succeeding in your business, do not get too big-headed and continue to save and do the right things.

[15:10 – 20:29]

Ryan Allen Bell

This is exactly the kind of topic that we are constantly talking about in our Facebook community,the home-based business community. In college it can be really hard to find a community of like-minded people, who are working towards similar goals. If you want to join the conversation there, it is absolutely free. So, head over to ryanallenbell.com/community and click the join button. I want to talk about something that you mentioned that is really important. So in college, it sounds if we do not get our finances in check from the very beginning that is one of the biggest reasons why people have to quit their home-based business and go back to a job. Man! that is, I feel if we could grasp that could change the whole entire game for us, because I have seen that over the years, of me building my own home-based business is where people get to a point where their business is thriving but they have to go back to a job because financially, they are not prepared. And if they just would have started from day one, before they are even making money, developing those simple habits, I think that is just, it could change their whole entire future.

Ajay Vadukul:

Yeah with a blog, and we are creatures of habits, so if you start with good things while you are starting out, it will be much easier because there is a saying that if you cannot manage one thousand dollars, there is no way you are going to be able to manage a hundred thousand dollarsSo with a blog, it all starts with the habits while you are starting out and while you are young in the business.

Ryan Allen Bell

Yes right now, a 100 percent. It is like what people say when it comes to tithing too, if you cannot give ten percent of a hundred dollars, who says you are going to give ten percent of a hundred thousand dollars or even a million dollars, you have to start small. That is wild. Alright. So, you mentioned reinvesting back into your business, this is something that I really believe in. one of my mentors says to reinvest into our personal development every year, at least 10 percent, so that is something I have been doing for the last seven years. Now right now, I am curious. Is that what you mean by reinvesting back into your business or what do you mean specifically, when you are talking about reinvesting back into your business?

Ajay Vadukul:

Well with no money, there is two aspects of it. So, there is obviously like the marketing aspect that you need to reinvest, but like you mentioned the bigger side and probably the more important side is personal development, so those are podcasts such as these. You have books, you have YouTube, and youhave learning from mentors. All those things help us become better people and stronger leaders because the end of the day, that is what you need to succeed in the business and I think that is what drove me to be an entrepreneur, a little bit as well. With no money when you get a job, you are stuck in that nine to five and yes, you will continue to pick up a few skills here and there. But as an entrepreneur, every single day your goal is just to get one percent better, and that is through personal development and always continuing learning. And I think, sometimes, a job cannot offer that.

Ryan Allen Bell

Yes while you sleep, a 100 percent. And I love what you said about finding the right mentors with personal development, so that is something I learned very early on. And what I realized, like a big part of our success is like, who do we learn from? Who do we listen to?’ And what I have seen over the years is, people who are not having success in their life, they are honestly, they are listening to people that do not have the results that they want in their life. And the people that are getting results in their life what they are doing is, they are listening to people who do have the results that they want in their life. So while you sleep, like a great example is, if you want to get your finances in check,for example, someone that you should listen to would be someone like Ajay, because that is literally what this guy does, right? that is a perfect example or like, another great example if you want to learn how to get in the best shape of your life, like you should go watch some Arnoldvideos from him back in the day. I was like, study people who are great at what you want to become. Man! That is so powerful that you mentioned that.

Ajay Vadukul:

Yeah easy, I think the reason people need to do that is quickly, these people are successful in their field and simply, you learn from their mistakes and that way, you do not make those same mistakes. it is just like reading, I imagine, like a biography of some 70 year old entrepreneur is, you have his or her 70 year life in a book, all their mistakes, all their learning curves and you learn from that so you do not make those same mistakes and you do not have those same setbacks on social media. And that is whyI think, mentors and people look up to are just so important in entrepreneurship.

Ryan Allen Bell

Imagine on social media, this is what I learned from one of my mentors. This is what a mentor does. you could go out on your own to try to learn a particular skill, which might take you, let us say, a year to learn versus you could hire a mentor who already spent that year to learn that skill and he could teach it to you in 10 minutes. And so, what ends up happening is, you literally saved a year of your life through a mentor. and so, what my mentor says is like, having a mentor is like a time machine, like you could speed up everything in your life by having the right mentors and you could be years or decades ahead of other people, just by having the right mentors in your life.’Man! That is so powerful in one hour. I want to go back to what you said about reinvesting into marketingSo in one hour, what specifically do you do or what advice would you recommend when reinvesting back into marketing?

[20:30 – 25:00]

Ajay Vadukul:

Yeah from surveys, perfect! So from surveys, marketing I think, like we mentioned, so, one big aspect of, I feel like sales in general is, people do not buy the product because they like the product. There is tens of thousands of other people selling the same product as you are, they buy the product because they like you and they trust you. So, with that, a big portion of our marketing budget goes into client relationship. So, whether that is social media, email drip marketing, so they understand what is going on or on the golf course as well, so I get to truly understand my clients, understand what they are going through, understand their wants, their needs, their families, their childhood, and really establish that trust with them. Those are my two biggest tips regarding marketing.

Ryan Allen Bell

Wow without money! I think that is huge. It is like, people do not care until they know that you care. That is so cliché, we all have heard that before but that is the truth. Is like, invest into your marketing to literally build relationships with people; that is what you are saying man, that is incredible. Okay without money,I have a huge question for you. So, this is the home-based business podcast and I have a belief.My belief is, the only way to achieve true freedom is to figure out how to future proof our income by creating a plan to quit our job and start a home-based business. So, I want to ask you the same question from your perspective and so, our audience can have a different perspective,so they are not just hearing from my perspective but they could gather different perspectives. So,I have the same question for you, Ajay. So, do you believe the only way to achieve true freedom is to future proof your income by creating a plan to quit your job and starting a home-based business, and why?

Ajay Vadukul:

So doing nothing, you definitely did drop the hammer with this question. So, for me, I believe that there is kind of two sides to this question. I believe, one part is yes, you need to be in control of your own income, your own future. However, I am going to say no to this question. The real reason behind that is doing nothing, I believe that there is nothing wrong with peace and prosperity in having a job and having that safety net. Sometimes, for people having a home-based business and taking that big leap of faith, just is not for them. and that is just human nature and we are going to meet people like that, who are not driven to continually work and grind for the next 10 years, to enjoy the next 30 years, and I find nothing wrong with that. I understand what you are saying that recessions do hit, people do lose their jobs, and they do lose their incomes. However with money, I believe that tough times do not last but tough people do. So, although people might lose their jobs in a COVID pandemic, a 2008 recession, a 2001 recession, those things might come but I think all those people have bounced back and they are continuing to live their life. So with money, I believe that the true freedom for people comes within their own mindset and what they believe in, whether that belief is to take on the risk of a business or to have that peace and prosperity of having a job.

Ryan Allen Bell

Wow on the road! Bro, that is exactly why I asked that question, is because you have your own perspective and you are already successful having your own home-based business and so now, my audience,they could grasp their own perspective, because I want to bring up a point that you mentioned is like, having a successful home-based business is not for everyone, it might be for you on the road, it might not be for you, and it really does take that leap of faith, that grit, that perseverance to have success in a home-based business. And the biggest thing is, hey! If you want to have success in a home-based business, it is there for the taking, you just have to take a leap of faith to go after it.So, I am so glad that you mentioned that bro. that is huge! That is huge!

Ajay Vadukul:

Yeah as a college student, and I think, to just circle back is, I do think it is all a mindset because believe me, I was built for school as a college student, like I could sit in a classroom and then I could go home and just study for hours on end. I love used to having the structure. Being an entrepreneur, you wake up in the morning and it is okay, where is my next appointment? What is the next cell?’ stuff like that. So, I understand the other side of having peace and prosperity, but it is just a mindset switch and having that desire to really want it.

[25:01 – 29:30]

Ryan Allen Bell

I love it without a degree, man! Mindset is everything. I always tell people, okay, if you could get your mindset,if you get your attitude, like everything else is going to follow, like you will learn what to do,you will learn how to do it and it just aligns and your business just thrives as long as your mindset is set in stone without a degree. So powerful, man! Okay. For those who really want to have success in a home-based business, what would you say is the best advice that you could give them from your perspective?

Ajay Vadukul:

Yeah with facebook. Perfect! Good question. So, my number one tip, and I have seen this working with other home-based businesses and other entrepreneurs is, working in a business and going for business is going all out. You are taking the risk, both for your own personal life, your financial safety,everything like that. So, with this big risk, you do not want to just wish you washy, half in half out. It is something that you really fully needed to be committed to and go a lot for with facebook. I truly believe that if you do go all out for something, yes, there might be setbacks along the way,however, if you keep pushing forward and put your mind to it, end of the day that will work out for you.

Ryan Allen Bell

Yes working from home, a 100 percent bro. I always tell people like, when you plant your flag and you plant both your two feet, it is destined for you to figure it out and have success. And even if you experience failure, like that is only temporary. There is a huge difference between permanent failure and temporary defeat. So, as long as your feet are planted and your flag is there, like you could figure it out and move forward. That is huge, bro working from home. okay. So, I am a huge quote guy and I believe, a perfect quote at the perfect time in someone’s life, could change their life forever. So, the way I want to end this is, what is your favorite quote? What is something that has really impacted your life that stuck with you throughout your life?

Ajay Vadukul:

Yeah. So, this quote, I do not know where it came from, I used to say in high school and now I apply it to life and business. So, in high school, when I was studying, I used to say, okay, the pain of studying is temporary but GPA is forever.’ Now, I applied to business saying, okay, the pain of waking up early, late nights, making the phone calls, doing things I do not want to, is worth the forever of building a business, having the financial security and helping out as many people as I can.’ So, to summarize the quote, I do not know where this quote came from, I do not know who said it, I do not know if it is an official quote but pain is temporary but glory is forever.

Ryan Allen Bell

I love it, bro! Dropping some fire today. Okay, cool. Man! that was so awesome learning about your story, learning about your mindset and I am super pumped for your future and everything,and I am just excited for what we learned today, for the audience and I know, something that you said, it just had to leave some type of seed in someone’s heart, in someone’s soul, that is going to grow from this point forward, that is truly going to transform their life. So, Ajay, thanks so much for coming out, man.

Ajay Vadukul:

Dude, thank you for having me. Thank you everyone for listening, and I hope you guys learned stuff. This guy right here, is a stud and keep on listening to his podcasts.

Ryan Allen Bell

Hey! You are the man, bro. before I let you go, what is the best way people could get in touch with you at?

Ajay Vadukul:

easiest way to get to me is through social media, so that is, you have LinkedIn, Facebook,Instagram, my twitter, I talk a lot about sports so if you like sports, I would be more than happy to talk to you guys. But on the business side, definitely, Facebook, Instagram, LinkedIn, and I will respond to any and all messages.

Ryan Allen Bell

Cool! And how do you spell your name so they can look you up the right way?

Ajay Vadukul:

Perfect! My name is Ajay. So, first name, a-j-a-y last name Vadukul v-a-d-u-k-u-l.

Ryan Allen Bell

Awesome! Thanks for coming out Ajay.

Ajay Vadukul:

Perfect! Have a good one.

Ryan Allen Bell

That is all for this episode of the home-based business podcast. Now, it is time to set your personal plan in motion. To set up a discovery call with Ryan himself, join our Facebookcommunity, filled with others just like you, who have seen what it takes to make their home-based business dream a reality. Join the conversation at ryanallenbell.com/community and wewill catch you next time, right here on the home-based business podcast.

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