The Hindu Vivaaha: A prosperity enhancing ceremony under siege, why educated Hindu youth should understand the financial & economic advantage of getting married young

A qualitative analysis of getting married young

One can largely agree that a family is the fundamental unit of a well-formed stable society, it acts as the building block to prosperity, stability, and growth which collectively then adds strength to the societal structure of a country.

A family is formed and legitimized by the institution called marriage. The marriage is like the sunlight that hardens the cement water mixture called family thus strengthening the superstructure called society. In Bharat, the society is composed of several families which are by large legitimized by what we call Vivaaha.

Vivaaha (Sanskrit) in simple terms means marriage or a sacred ceremony that legitimizes the union of a male and a female. From the Indian context, Vivaaha is a ceremony and not a contract as in the case of the west, this ceremony has been seen from a sociological & anthropological context where it is stated as a method to sustain gene pool (considering the cultural aspects surrounding it).

In Hindu society, there is an economic & financial aspect that is attached with this system especially that of a young Vivaaha, and the prospects of those are untapped in modern times. Since most of them who are part of this structure are unaware vested interests are all out to disrupt its functioning.

For any working-class modern family in Bharat, their survival and sustenance depend on continuous cash flows, i.e. the income or the accumulated savings when there is no income, please note that this applies when only one of the family members is earning and the other is supporting, provided there is no external support such as businesses.

When only one person is earning, the economic prosperity improvement solely depends on the decisions of the breadwinner but we see that modern working-class families have both husband and wife as breadwinners.

Even when both husband and wife are earning we still see that the economic prosperity doesn’t improve much that they can shed their middle-class tag, this can be attributed primarily to several factors such as work location, type of work, unequal incomes in each of them and finally financial awareness.

With all the above-stated reasons, Vivaaha which legitimizes the institution called family making, its potential, its powers unfortunately remains untapped. It is one event that kickstarts a fully automated natural wealth generator engine for a country when two well-educated liability-free working-class Hindu youth come together and start a family at a young age (provided the Vivaaha is a simple ceremony).

One may ask why there is a need for Vivaaha for wealth generation, why not just 2 individuals or 2 partners? – Please note that the problem we are facing right now is not related to wealth generation but we are trying to understand why there is a deliberately well-planned attack by vested interests on an institution that is silently acting as an autonomous wealth generator.

The Hindu Vivaaha intrinsically has two advantages over others which is the aspect of culture & tradition coupled with a large demographic dividend which is well educated with the lowest divorce rates.

One can argue that even in the west there are these things so what? – there is a catch, the marriageable age well-educated working-class population is highest with the Hindu society (considering that the age of 1st marriage of for a woman in India is mostly at 21-25, census 2011) and on top of this our country is with the least divorce rates in the world.

There are more talented working-class Hindu men and women in this country with culture and tradition imbibed than the west and the vested interests don’t want them to come together as it will propel the country to greater excellence via improved savings, improved investments, wealth generation & long term sustained employment generation.

There is a grand scheme that is going on various fronts to ensure that the educated marriageable age working class Hindu men and women either don’t come together or it is made difficult for them to come together to rupture the automated engine of wealth generation.

The vested interests are hell-bent to break it or spoil it or disrupt it by covert and overt means. Before we see how they do it we need to see the fundamental advantages that are unnoticed.

The most important aspect which is unnoticed is, Vivaaha at a young age takes the maximum advantage of compounded savings when coupled with a larger income i.e. dual income of Husband and wife, basically the time value of money concept.

The wealth generation is simply a precursor to employment generation. Only when there is wealth can someone provide employment. It can even be said that the more the wealth, the more is the savings, more is the capacity to invest and thus generate more employment and sustain it to pull the country’s citizens out of poverty.

Einstein said that the compound interest is the 8th wonder of the world but I would say that there is a 9th wonder which is not known much, it is a mixture of high-income cash flows combined with compound interest on savings with the power of Leverage (Finance) a method to amplify gains by coupling it with debt.

This can be described by an example (note: the characters are purely fictional).

Eg. Let us say a 22-year-old boy named Karna earns a salary of 15 lakhs per annum (net), he plans his financials early so he looks up at 2 investment ideas, a 1.5 crores worth of property growing at 10% per annum avg at Hastinapur & an 80 lakh worth house (both seen as an asset) at Panchala which grows at 5% per annum avg.

Although he wishes to go for the 1.5 crore asset he is unable to go for it due to a cap on the loan that can be disbursed for his salary (which is generally 5 or 6 times his net salary) he thus makes a compromise and decides to buy a house (an investment) worth 80 lakhs whose value is growing at a rate of 5% annually. The banks sanction his loan of 80 lakhs (for 10 years). After 10 years he gets the property where the market value is 1.3 crore (80 lakh compounded at 5% for 10 years).

Instead of the above scenario let us say, Draupati from Panchala who is also well educated and also earns the same as Karna chooses to marry him in a simple Vivaaha (rather than her liberal idea of Swayamvara), the financial planning for Karna and Draupati (as a family) will allow them to go for a property of 1.5 crores in Hastinapur because of their combined income of 15+15 lakhs (i.e.5 times the combined salaries of Draupati and Karna).

The banks will sanction a loan of 1.5 crores and 10 years down Karna and Draupati will acquire a property at Hastinapur whose market value will become 3.9 crores (1.5 crores compounded at 10% annual growth). On top of these, the interest paid for repayment of the loan amount can be used for tax exemptions.

If Karna and Draupati get married at the legal age of 22 when they turn 32 they will have a property worth 3.9 crores at Hastinapur even if their net salaries remain the same for the next 10 years!

Once a property is acquired in 10 years, the second asset that they can look at will no more be dependent on their cash flows (salaries) but rather the acquired property.

Let us say after 10 years post marriage, Karna finds that in Indraprastha, a nearby city has property/ assets growing at 15% per annum, he can mortgage his property and again go for leverage worrying less about his salary.

Extrapolating such leverages, by the time Karna and Draupati retire they will have a chance to leverage 4 times (t+10 years post their wedding at 22) and permanently pull out themselves from the middle class /working class tag to becoming employment generators.

The above example should not be seen like a financial advisor cum marriage broker but from the context of Vivaaha. One can imagine the power that can be unleashed by this income, savings, investments, and leverage in a country like ours if graduates from top-tier institutes like IITs, NITs, BITS, and other Tier 1 institute start families early on.

If a middle-class girl and a middle-class boy earning a seven-digit salary per annum each in the same city after graduation at 21 or 22 decide to marry and start a family then the effects of compounding (in the long run) will generate wealth and substantially improve prosperity to enable them to be employment generators. This is one of the easiest ways in which a middle-class family can get rich and the Hindu Vivaaha facilitates this, historically as well this has been a norm.

If we trace this like 50 years back, there was a joint family system that was functioning especially with the marwadis, the jains, and even some baniyas’; The one thing that was observed was the aspect of young marriage – the secret recipe for consistently holding onto higher levels of wealth by taking full advantage of compounded savings. This was coupled with sthridhan (the financing leverage that was offered those times to the groom).

It is not necessary that a boy and girl should earn 6 digit salary per month in a tech firm to utilize the power of leverage, even if 2 people working in banks or PSUs or even working teachers or research associates/ professors come together at a young age by starting a family and start using the savings cum leverage technique the prosperity enhancement starts. This method if it is coupled with dharmic values, Bharat can create a powerful set of people whom I term as Hindu Power Couples.

The Hindu youth needs to understand that this very same method of coupling the incomes (cash flows) and leveraging for maximizing the profits is being followed at high places such as hedge funds and this runs to the tune of billions of dollars!

The Hindu society has an intricate advantage through its demographics plus the earning capacity of the knowledgeable Hindu middle class, therefore the vested interests are hell-bent to do everything in their capacity and influence to prevent Bharat from becoming a self-sustaining economy with the help of this family structure.

There are internal and external threats to this natural self-sustaining societal structure, the external threat is exploiting the youth by promoting and encouraging methods of temporary gratification.

Just 20 years back the usage of contraceptives was no were to be seen amongst colleges campuses it was somewhat encouraged with married couples for birth control but today birth control contraceptives are being normalized for college students, romanticized, and marketed as “safe sex”, “spiced-up flavours”, “love-making” and “instruments of pleasure” with so much branding.

An entire industry is operating to ensure that temporary gratification is promoted instead of furthering long-lasting happiness. The problem with this industry is that pre-marital sex with multiple partners dents marital happiness, it increases the chances of divorce and thus ruptures the family structure this is proven by research.[1]

Multi-National Corporations are taking advantage of our demographics making money even in an act that is a divine union of a man and woman. (P.S.: I am not advocating against the use of contraceptives but what was supposed to be for awareness of population control is now being exploited by promotions and branding).

The internal threat to Hindu marriage is two-pronged, i.e. pre-marital and post-marital and both are majorly due to the legal system. The legal system instead of promoting familial structures and taking advantage of the demographic dividend, has made it complicated.

The legal system has unnecessarily created a lot of chaos, confusion, and paranoia with regard to marriages. On one side it has okayed live-in relationships and on the other side i.e. post-marital life, the legal system which is supposed to ensure the harmonious functioning of society has decriminalized adultery. This has paved the way for an environment where a symbiotic relationship between the legal system, the activists, and the corporations which promote temporary gratifications, can thrive without impunity.

The laws are acting as agents to the activists who are hell-bent to destroy Hindu family structure via draconian laws such as 498A which in my opinion needs a relook to bring about gender parity. This is one law that has done far more damage to Hindu men & women in recent years and if we take a closer look the maximum brunt has been borne by the educated middle-class Hindus. The conviction rates are less than 10% for 498A.

Similarly, some activists are creating awareness on rape laws to such an extent that it can thrust onto even a well-formed post-marital family structure. The emergence of the marital rape debate shows that the state is preparing to monitor and enter into the bedrooms of Hindu families.

We as a country can propel to great heights if we empower, facilitate and promote the coming together of young dynamic well-read dharmic Hindu power couples with proper checks and balances. The Hindu power couples will act as flagbearers to the dharmic society.

Well-educated young dharmic Hindus from high places such as consulting, investment banking, technology, teaching, research, and much more should unite and set precedence by refraining from temporary gratifications and help in the felicitation of young Vivaaha, this will not just improve economic or materialistic growth but also spiritual enhancement.

In my next article, I shall be describing why the Hindu society needs the Hindu Power Couples, its powers, and what it can achieve….

Note:
1. Text in Blue points to additional data on the topic.
2. The views expressed here are those of the author and do not necessarily represent or reflect the views of PGurus.

Reference:

[1] Counterintuitive Trends in the Link Between Premarital Sex and Marital Stability – Jun 06, 2016, Institute for Family Studies

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