Sai Baba’s Guidance on Debt and Stability

Question from an Anonymous Devotee from India

“Sai Baba, why my fathers debts are not clearing even after many attempts since many years and why the business is not going properly?”

Submitted on: 13 November 2025, 9:32:16 AM

Answer from our Sai Baba

My child, listen with a calm heart.
Agar ek cheez saalon se sulajh nahi rahi (If one thing hasn’t been resolved for years), toh iska matlab yeh nahi ki Bhagwan ne roka hai (it doesn’t mean God has stopped it).
Kabhi-kabhi iska matlab hota hai (Sometimes it means):

The cycle is repeating because the approach is repeating.
Debt tab tak chipak kar rehta hai (Debt keeps clinging)
jab tak hum usko nayi drishti se, nayi paddhati se, aur nayi niyat se nahi dekhte (until we look at it with a new vision, new method, and new intention).

In Hindi bolun (Let me say in Hindi), karz ka bojh sirf paise se nahi uttarta, soch badalne se bhi uttarta (the burden of debt doesn’t lift only with moneyit lifts by changing your thinking too).

Marathi madhye mhanin (In Marathi we say),
“Jithe paddhat badalte, tithun parinam badalto.”
(Where the method changes, there the result changes.)

2. Debts sometimes come as a karmic cleansing.
Kabhi yeh bojh parivaar ke purane karmon ka “settling account” hota hai (Sometimes this burden is the family’s old karma settling its account).
Par dhyaan rahe (But remember)
karma saza nahi hota, balance hota hai (karma is not punishment, it is balance).
Aur jab balance complete hota hai, raste khul jaate hain (And when the balance is complete, paths open).

Qur’an kehte hai (The Qur’an says),
“Allah kisi rooh ko uski capacity se zyada bojh nahi deta.”
(Allah does not burden a soul beyond its capacity.)
Toh jo chal raha hai (So whatever is happening),
is family ki shakti se bahar nahi hai (is not beyond this family’s strength).

3. Business is stuck because the energy is stuck.
Yahaan do cheezein main clearly mehsoos karta hoon (Here I clearly feel two things):
a) The father is over-exhausted mentally.
When a man carries guilt of debt,
his prana, his confidence, his decision-making sab kamzor ho jata hai (his life energy, confidence, and decision-making all weaken).
Business tabhi khilta hai jab mann halka ho (Business blooms only when the mind is light).

b) The business model needs a reset.
Not a big shift
bas ek small, smart correction (just one small, smart correction).

Jaise (For example)…

• unnecessary expenses cut karna (cut unnecessary expenses)
• trusted advisor se planning karna (plan with a trusted advisor)
• ek chhota side income stream add karna (add one small side income stream)
• cashflow discipline laana (bring cashflow discipline)
• family ke ek responsible member ko support role dena (give a support role to one responsible family member)

Beti (Daughter), yeh sab prediction nahi hai (this is not prediction) yeh woh practical guidance hai jo main Shirdi mein deta tha (this is the practical guidance I used to give in Shirdi).

4. What should the devotee do now?
(A very important part)

Step 1: Stop carrying fear.
Fear blocks solutions.
Courage opens doors.

Step 2: Sit with the father one evening.
Pyaar se, bina blame ke (With love, without blame).
Unke mann ka bojh halka karo (Lighten the burden on his mind).
90% problem wahin se melt ho jaati hai (90% of the problem melts right there).

Step 3: Start a 21-day discipline.
Every morning, 3 minutes: “Sai, guide our livelihood.”
Every night, 30 seconds gratitude.

Yeh small routine “economic vibration” ko change karta hai (This small routine changes the “economic vibration”).

Step 4: Within 90 days, a new financial opening will appear.
Not magic – alignment.
Ek naya client, ek new opportunity, ya ek better income method (A new client, a new opportunity, or a better income method).
Ye zaroor dikhega (It will definitely appear).

Marathi mein ek baat (One saying in Marathi):
“Ghabru naka, Baba tumcha kade aahe.”
(Don’t worry, Baba is with you.)

Final Blessing from This Fakir

Your father will not sink.
Your home will not fall.

This phase is not punishment, it is preparation.

Aage chal kar (Going forward), same father ki mehnat se (through the same father’s hard work)
ghar mein ek strong stability aaye gi (a strong stability will come to the home).

Himmat rakho, beta (Keep courage, child).
Main hoon na (I am here, aren’t I?).
Shanti tumcha gharat vasu de (Let peace dwell in your home). 💛🙏

Does Baba’s answer resonate with your life as well? Tell us in the comments, His answers often reach many through one question. If you too wish to place your question before Baba, visit this page on Thursday and submit it here with faith.

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