“…you drive like Schumacher! I used to drive like you when I was younger,” he said, flashing a well-chiseled smile beneath his salt & pepper look.
In 2018, not long after I’d joined Marsh India, I found out one evening that the CFO hadn’t brought his car. Since his home was on my way, I offered him a lift.
I’d already shifted through three gears before we even got out of the building - hence his Schumacher quip. Ironically, Schumi probably hadn’t driven stick in ages, but I got the point.
“Don’t you listen to K-pop? My kids love it,” he asked as I turned the volume down. I love loud music, so it can be jarring for anyone riding with me. I replied in the negative as we approached a signal.
“Don’t you take the Sea Link?” he asked, surprised. “Nope. That route’s longer. Costs more in tolls & fuel,” I replied. I was surprised he even asked. I never saw the point in choosing a longer, costlier route.
“You’re right,” he said, gently cutting through my inner judgment, “but I always take it. The roads are wider, the drive far more peaceful than the cramped city lanes.” I nodded but didn’t quite relate.
The discussion drifted to credit cards. “I use five different ones to squeeze out savings- one each for movies, dining, fuel, travel, and a fifth in case a great deal came up.” I was beaming like an expert as I rattled off my strategy. But the light on my face dimmed when I saw him smile. “I can’t track all that - takes too much mind space. I just use one,” he said calmly. That shut me up. I dropped him off soon after and drove away.
7 years later:
- I now take the longer route to either of my Mumbai offices - Powai or Prabhadevi. There are shorter, fuel-efficient routes through the city, but I choose the wider, longer ones - for the peace of mind.
- Though I still own 7 cards, I now use just one for 90% of my transactions (it gives great returns).
- I still don’t listen to K-pop - but I’ve gotten hooked on Korean shows. Got good mystery, thriller, or sci-fi recos? I’m all ears.
- I’m still a bit of a nightmare for my car’s gearbox, clutch, and brakes - but every now and then, I try the feather-touch approach.
When we meet someone older or more experienced, it’s not always easy to understand why they do things a certain way - until we reach that phase ourselves.
Be it the shift from exciting stock-picking to the “boring” index investing, hunting street bargains to enjoying quieter in-store shopping, from devouring that lip-smacking roadside triple schezwan with andaa topi to (presumably) hygienic restaurant food, or from the thrill of binge-drinking to the calm of slow sipping - it all starts to make sense with time.
“NG, I finally found a card that gives amazing returns on every spend - 33% cashback on a bunch of them!” I poked my head into his cabin and announced one fine day in 2019.
He just shook his head, smiled faintly, and walked out, headed toward the washroom nearby…Some lessons don’t need to be taught - they just wait to be lived.