Thread by @ValueWithPrem

You’ll never look at money the same way once you understand how Gujarati’s think about wealth.

The mindset secrets no MBA will ever teach you:

1. Trading DNA
From centuries of spice & textile trade, Gujaratis mastered risk diversification:
• Spread capital across commodities, geographies, and partners.
• Loss in one? Covered by gains in another.

Rule: Never bet everything on one business

2. Community Capital
While others ran to banks, Gujaratis relied on samaj networks & Community Partnerships.

• Quicker cash flow for new ventures.
Social capital = financial capital.

Example- Group of 10 patel community people buying a land in partnership and selling it later for profit.

3. Lifestyle Choices
• Middle Class: Display wealth with cars, phones, vacations.
• Gujarati: Live simple, invest profits back into land, factories, Stocks, rental flats.

Only Showoff should be 10 VIGA zameen.

4. Global Mindset Early On
Gujaratis never feared the unknown.

• Sending kids abroad since decades.
• Early exposure to business, cultures, languages.
• Freedom to explore instead of forcing safe careers.

Risk = growth.

5. Real Estate Obsession
While running trading firms, profits were parked into land & property.
• Stability during downturns.
• Inflation proof wealth.

That’s why Gujarati families often own prime real estate across cities.
They gradually shift business profits to real estates.

6. Freedom in Family
Gujarati parents don’t just handhold kids they give freedom.
• Let kids handle shop counters early.
• Encourage experiments.
• Open to failures.

Result: By 25, the child thinks like a business owner, not an employee.

7. Frugality & Risk Taking
Sounds contradictory?
• Live simple, control costs.
• But when opportunity knocks they take bold bets.

That’s why Gujaratis dominate both kirana stores and billion dollar diamond businesses.

8. Secret Roles of Gujarati Women
• Traditionally Women often pushed men to buy plots, farmlands, or rental flats instead of blowing profits.
• Gujarati women love buying gold jewellery.
• During bad business cycles, this gold gets pledged & businesses survive without going bankrupt.
• They encourage sending kids abroad.
• This is why Gujaratis dominate US motel business, UK diamond trade, Africa retail chains.

9. What you can learn?
• Treat income as seed capital, not spending money.
• Community leverage through Trust networks and Partnership with like minded peoples.
• Have Global mindset & don’t fear sending kids abroad or trying new markets. Exposure > comfort.
• Shift to stability Over time by moving profits into real estate & hard assets for preservation.

Some known Gujarati Business Families:
• Mukesh Ambani- Reliance Industries
• Gautam Adani - Adani Group
• Pankaj Patel - Zydus Lifesciences
• Sudhir & Samir Mehta - Torrent Group
• Karsanbhai Patel - Nirma

Respect for Gujaratis 🙌🏻
Their mix of risk taking, discipline, and community support has built empires across trade, stock markets, real estate & beyond.
A mindset worth studying, a culture worth admiring.

While others scroll reels, you’ll be learning wealth hacks. Follow @ValueWithPrem

RT this because schools will never teach you this

What’s the biggest wealth lesson you’ve learned from your own community or family?

What if I told you India’s real Dalal Street isn’t in Mumbai, but in Rajkot?

https://twitter.com/valuewithprem/status/1957399871750816194

If you don’t study how Marwaris think about money, you’re missing India’s biggest wealth secret.

https://twitter.com/valuewithprem/status/1960362077568332160

Free wealth strategies. Business lessons. Tax hacks. All packed in one Free WhatsApp channel.
I just started it. Join now before it’s too late.
Channel Link in My Profile Bio.

The rich don’t fear bankruptcy or divorce their assets are locked in a structure you don’t even know about.