Introduction to Inconsistent Income
During her Fortune Tuning session, Dr. Mani Pavitra started by getting the attendees to ponder on the most challenging aspect of their investments. Having the students share their challenges—saving for down payments, irregular income, and fear of legalities—she highlighted how irregular income tends to become the silent barrier in wealth creation.
Irregular Income and the Need for Reserves
Dr. Mani Pavitra emphasized that individuals who are taking loans or EMIs should keep aside six months’ EMI in advance. Similar to the case of six months of monthly expenses, this buffer works as a cushion in lean months. Without this buffer, irregular income transforms every slowdown into financial stress.
She demonstrated through property illustrations how leverage performs better when supported by planning. Students soon realized that irregular income is not merely a matter of money—it’s a matter of foresight and reserves.
Sharing her own experience, Dr. Mani Pavitra remembered her practice days as a dentist where she used to make 15–20 lakhs a month as a premium orthodontist. Money was coming in, but 80–90% went towards suppliers and costs. During off-season months, her savings would dwindle fast. Earning high amounts didn’t make her feel financially secure due to irregular income.
This realization pushed her to shift her bare minimum standards. Instead of accepting 15–20 lakhs as enough, she raised her minimum expectations and built systems that guaranteed stability even in downturns.
She told students, “Inconsistent income is because of low standards you’re setting for yourself.”When a person is happy to make 2–3 lakhs as it is sufficient for their clinic or home, they unknowingly cut off higher potential. By increasing the minimum basic expectation, income becomes stable.
Students identified with this. One confessed, “Saving money for down payment is the hardest part.” Another stated, “No consistent income.” Others expressed fears about legalities. Dr. Mani Pavitra spoke to each of these, demonstrating how change of focus from issues to higher levels transforms outcomes.
One of the most important lessons was on boundaries and time. She explained how in her bootcamps, family emergencies continuously attempted to disrupt her. But she put rigid boundaries—Monday and Tuesday sessions were absolute.
She explained, “If someone dies too, I’m not available. Because if I give in once, everyone will sit on my head.”
Students listened in wonder, understanding that inconsistent income is not only about money, but about lack of boundaries, lack of focus, and lack of discipline.
Dr. Mani Pavitra insisted that mastery of wealth is not possible without emotional mastery. Drama with family members, ego, and anger waste energy and money. She reminded students:
Stop blaming, complaining, criticizing.
Communicate openly rather than cooking up stories.
Celebrate small victories to develop self-confidence.
She averred, “Your wealth and earning capacity grant you superpower—but only if your mind and emotions are in command.”
One student conceded, “I thought that you never encountered issues, but now I realize you experience the same troubles also.” Another understood that all people have issues, but the question is whether to turn them into excuses or causes for improvement.
Students made the breakthroughs:
Some learned their bare minimums were not high enough.
Some confessed they relied on family or inconsistency as a cop-out.
Many recognized that boundaries and daily discipline could create financial stability.
Daily Habits to Beat Unreliable Income
Dr. Mani Pavitra encouraged attendees to ask themselves on a daily basis:
How much am I making today?
How much am I spending today?
By concentrating on only income and expenses, and by making tiny day-to-day adjustments, uneven income gradually becomes consistent and increasing wealth
For Dr. Mani Pavitra, unstable income is temporary—it’s a state of mind, of boundaries, and of clarity. Her own transformation from erratic high-grossing months as a dentist to stable wealth creation demonstrates that the answer is in elevating standards, establishing reserves, creating emotional mastery, and acknowledging wins.
Students departed the session motivated to meet their own erratic income cycles with courage and clarity.