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Toronto-based fintech leader Thirukumaran Sivasubramaniam shares a simple personal best practice rooted in daily habits, long-term thinking, and steady progress.
TORONTO, ON, 13th February 2026, ZEX PR WIRE, In a world full of shortcuts, hype, and constant noise, Thirukumaran Sivasubramaniam, Co-Founder and COO of Fintex Inc., is encouraging individuals to return to something surprisingly powerful: the basics.
Sivasubramaniam calls it “The Consistency Standard”—a personal best practice centered on daily routines, continuous learning, and small actions that compound over time.
“People don’t fall behind because they lack talent,” he says. “They fall behind because they stop showing up for the fundamentals.”
The Consistency Standard is designed to help individuals improve outcomes in their careers, finances, health habits, and decision-making by focusing on what is repeatable, practical, and sustainable.
Why the Basics Matter More Than Ever
Ignoring foundational habits comes at a real cost. Research shows that when people overlook simple routines, the harm adds up quickly:
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Nearly 70% of employees report burnout at some point, often due to lack of boundaries and sustainable habits (Gallup).
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About 20% of small businesses fail in their first year, frequently because of poor planning and inconsistency (U.S. Bureau of Labor Statistics).
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Only 33% of adults have a written financial plan, leaving many vulnerable to avoidable financial stress (CFP Board).
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Over 60% of people say they feel too distracted to focus, reducing productivity and decision quality (APA survey data).
“Consistency matters more than intensity,” says Sivasubramaniam. “Small actions done daily beat big efforts done once in a while.”
The Consistency Standard: A Personal Best Practice
The standard is simple:
Do the basic things, every day, even when you don’t feel like it.
Sivasubramaniam credits this mindset to his own journey. After immigrating to Canada from Sri Lanka as a child, his family faced instability, frequent moves, and financial hardship. What stayed constant was education, discipline, and persistence.
“Struggle isn’t the end of the story,” he says. “It can be the foundation.”
He applies the same principle today as a business leader, mentor, and parent.
“Leadership isn’t doing everything yourself,” he adds. “It’s building habits, systems, and trust over time.”
30-Day Implementation Plan (Weekly Milestones)
Week 1: Reset the Foundation
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Start each morning with a grounding habit (walk, journaling, stretching)
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Identify your top 3 priorities for the month
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Remove one daily distraction
Milestone: A clear, repeatable start to your day.
Week 2: Build Consistency in Learning
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Spend 20 minutes a day learning something useful
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Follow one trusted voice in your field
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Write down one takeaway daily
Milestone: Learning becomes routine, not occasional.
Week 3: Strengthen Focus and Relationships
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Have one meaningful conversation per week
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Ask for feedback or guidance from someone ahead of you
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Offer help to someone earlier in their journey
“Mentorship changes everything,” says Sivasubramaniam. “One opportunity can shift a life.”
Milestone: Progress through connection, not isolation.
Week 4: Commit to Long-Term Thinking
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Review what habits worked
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Double down on what feels sustainable
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Set one 90-day goal based on momentum
“Small actions create momentum,” Sivasubramaniam emphasizes. “Start with one step.”
Milestone: A lifestyle of consistency, not a temporary challenge.
One-Page Personal Checklist: The Consistency Standard
Use this daily or weekly:
Did I move my body today (walk, sport, stretch)?
Did I learn something new, even briefly?
Did I take one small step toward my goal?
Did I avoid at least one unnecessary distraction?
Did I connect with someone in a meaningful way?
Did I help or mentor someone, even in a small way?
Did I reflect instead of rushing decisions?
Did I show up, even when motivation was low?
Call to Action
Thirukumaran encourages individuals to adopt The Consistency Standard for the next 30 days and to share the checklist with someone who may need it.
“Long-term success comes from showing up for the basics,” he says. “Try one habit today, and let it build.”
Readers are invited to share the checklist, start the plan, and commit to one small step this week.
About Thirukumaran Sivasubramaniam
Thirukumaran (Kumaran) Sivasubramaniam is the Co-Founder and Chief Operating Officer of Fintex Inc., based in Toronto, Canada. Born in Jaffna, Sri Lanka, he immigrated to Canada as a child and built his career at the intersection of entrepreneurship and technology. He is passionate about mentorship, philanthropy, emerging innovation, and helping others pursue opportunity through consistent effort and long-term thinking.
