Career Yield Masterclass
Volume 1 – Foundation
Chapter 1: Welcome Note & My Story
Author: Naveen Shrivastava
Founder – Findwell Capital
Welcome Note
Dear Reader,
First of all, thank you for taking the time to read this book.
Today, thousands of people on the internet will tell you how to make money, how to become a millionaire, how to get rich quickly, where to invest, and which job or business to choose.
But there is one very important question that very few people ask—
“Is my income appropriate for my age?”
This question is where the entire journey of this book begins.
During my banking career, I have met thousands of people.
Some people earned ₹40,000 per month and were still financially strong.
Some people earned ₹3 lakh per month but remained stressed every month.
Some people owned assets worth crores but had very little cash available.
Some people had modest salaries but built excellent investment portfolios.
That is when I realized—
Income and Wealth are not the same thing.
Why Did I Write This Book?
For many years, I worked in the Home Loan, Loan Against Property, and Banking Industry.
During this journey, I repeatedly observed something important.
Whenever a customer came to apply for a Home Loan, they often had questions such as—
Is my income sufficient?
Am I moving in the right direction?
Should I change my job?
Should I start a business?
Is my income low for my age?
But…
There was no simple answer available anywhere.
This search eventually led to the creation of the Career Yield Calculator.
My Story
I do not come from a large business family.
I have travelled the same path that millions of young Indians travel—
A job
Promotions
Salary increases
Targets
Stress
EMIs
Family responsibilities
Worries about the future
While working in banking, I realized something important:
We regularly measure the Financial Health of other people, but we rarely measure our own Career Health.
We calculate:
Home Loan Eligibility
FOIR
LTV
Credit Scores
But…
Have we ever calculated our own Career Score?
This thought became the foundation of this book.
An Incident That Changed My Thinking
One day, two customers came to me.
Customer A
Age: 30 years
Monthly Income: ₹60,000
Home Loan: None
Monthly Investment: ₹15,000
Emergency Fund: Available
Customer B
Age: 30 years
Monthly Income: ₹1,80,000
Credit Cards: 3
Personal Loan: Yes
Car Loan: Yes
Investment: None
At first glance, who appears more successful?
Most people would say—
Customer B
But a few years later…
Customer A’s Net Worth was growing rapidly.
Customer B was busy paying EMIs.
That was when I understood—
Income is not the final measure of success.
What Is Career Yield?
Career Yield does not look at Salary alone.
It looks at—
Your age
Your income
Your financial discipline
Your investment behaviour
Your debt pattern
Your growth rate
In simple words…
Career Yield measures how much your career is actually producing for your life.
Why Do You Need a Career Yield Calculator?
This calculator will not tell you whether you are rich or poor.
Instead, it will help you understand—
“Am I moving in the right direction?”
And that may be one of the most important questions you can ask yourself.
The Purpose of This Book
The purpose of this book is not to judge anyone.
Instead…
It is designed to help every individual understand—
Where am I today?
Where do I want to go?
What do I need to do to get there?
Who Is This Book For?
Students
Job Seekers
Working Professionals
Bankers
Sales Professionals
Entrepreneurs
Self-Employed Individuals
Business Owners
What Will You Learn From This Book?
Career Yield Formula
Career Health Score
Wealth Score
Investment Analysis
Debt Health Check
Lifestyle Score
Financial Independence Roadmap
Salary Benchmarking
Promotion Readiness
AI Tools
YouTube Masterclass
Personal Branding Guide
A Small Request From Me
Please do not just read this book.
Keep a notebook with you.
After every chapter, ask yourself—
Where am I today?
Where do I want to be in five years?
What do I need to change?
If this book changes the way you think about your career, income, and future, then my purpose will be fulfilled.
A Promise
I am not selling a magic formula.
I am not claiming that you can become a millionaire in 30 days.
I simply want to teach you how to ask better questions.
Because—
The right questions are the beginning of the right answers.
Remember
“Salary helps you run your life.
Career Yield helps you build your life.”
— Naveen Shrivastava