A nun wanted her specially abled school children to cross the uneven patch, but they just couldn’t. Their crutches kept getting stuck. This is when Kalpana drove down and asked what seemed to be the problem. Kalpana took the gate and asked the girls to stand on it; she literally swung the gate to the other side, and the children were transferred without any problem.

She designed this solution in minutes. Kalpana was thinking laterally, i.e., thinking outside the box. This technique was developed by Edward De Bono in 1967. While many might approach the problem methodically, analyzing each element step-by-step, Kalpana relied on quick, intuitive insight, showcasing the rarity of such ingenuity. The ability to respond to unexpected and uncertain situations with imagination, adaptability, creativity, and flexibility is Ingenuity. Ingenuity helps when thinking innovatively, laterally, and out of the box.

Later, Kalpana sold her jewellery that she had saved for her marriage to buy an ambassador car. She had her reasons to do so, but she practiced risk-taking and value creation. Kalpana’s choice reflects the difference between holding wealth and multiplying it. That’s what real financial intelligence looks like: understanding that money grows only when it moves with intention. Risk-taking isn’t about gambling; it’s about trusting your vision enough to back it with action, even when the outcome isn’t guaranteed.

Sanjay also received the telecom license for his company. In business, a moat is the invisible wall that protects your company from competitors: it could be technology, brand trust, cost advantage, or, in Sanjay’s case, a regulatory licence.This licence gave Airvoice exclusive access to an international telecom corridor, meaning every call had to pass through its company. That’s not luck; that’s regulatory advantage, the kind of edge that multiplies profits without multiplying effort.