Vicky Gujral,43 is married to Simarjeet,40. They have a son Arshdeep,15. Both Vicky and Simarjeet are techies with fast track career in India’s leading software companies.

Bill Gates once said, “If you are born poor, it’s not your mistake, but if you die poor, it’s your mistake.” This quote quite sums up the importance of planning your finances properly and juggling various aspects of managing incomes, expenses and investments. Investing may sound easy, but it comes with its own set of challenges, as the decisions we take today have the ability to shape our future and also decide whether we can achieve our financial goals

Like most things, personal finance or money management can be simple or complex, depending on how it is presented to you. This article hopes to provide some simple tenets to follow while nurturing your life and money. 

 Dreams when turned into goals are achievable. With clearly, defined goals all your dreams can be achieved within the set timeline by consistently working towards it, says Nivesh Guru Pankaj Ladha. 

Financial planning has picked-up pace in the past few years and even people from middle-class families in Tier-2 and Tier-3 cities have realized the importance of investment and financial planning. However, most financial planning in these small towns and cities are done based on suggestions from friends and relatives and less through a proper financial planning process. Moreover, these people fail to realize that proper financial planning is incomplete without retirement planning.