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Financial Reality Check
Financial crises can strike at any moment, whether you believe it or not. Avoid overspending
on weddings, birthdays, and other social events just for show. Many middle-class families
exhaust one-third of their savings solely on their children's weddings.
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Start Early for Your Child
If you invest one lakh rupees when your child is born, that money will multiply significantly
by the time they turn twenty. This creates a substantial fund that will support their future
education, business, or other important life needs.
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Teach Financial Literacy
Teach your children how to multiply money from childhood. Educate them about productive
versus non-productive investments. For example, choose precious metals over gadgets because
metals retain resale value. This financial education will benefit both you and your children in the long run.
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Smart Wedding Planning
Instead of exhausting all your savings on lavish weddings, opt for simpler ceremonies and
invest the remaining money in your child's name. This financial safety net will be invaluable
during unexpected difficult times.
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Prioritize Liquid Assets
Value land more than buildings. Maintain more gold in bank lockers and liquid cash in accounts
than investing heavily in home furniture. You can't sell parts of your house during crises,
but jewelry and cash can help you overcome difficult situations.
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Diversify Income Sources
No job offers complete financial security. Teach children to invest across multiple sectors.
Don't look down on any job - create opportunities everywhere. Develop income streams from
different directions to build financial resilience.
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Focus on Practical Skills
Teach children practical intelligence beyond textbooks. Formal education doesn't guarantee
career success. Balance academic knowledge with real-world skills that can generate income.
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Build Emergency Funds
Save consistently and invest in Monthly Income Schemes. Maintain enough funds to cover
basic living expenses for several months. Nobody knows what crises tomorrow may bring -
jobs, businesses, and pensions are never guaranteed.
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Broad Career Perspectives
Don't force children toward government jobs for social status. Whether government, private,
or business - no field offers 100% security. Encourage them to follow their passions and talents.
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Develop Multiple Talents
Develop diverse income streams. Balance academic education with extracurricular activities
that can generate future income. Avoid chasing unnecessary higher degrees that cost both
time and money without clear goals.
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Cultivate Business Thinking
Expose children to studies, technical knowledge, small businesses, and part-time work early.
If they spend 20-30 years only reading books, they might lack practical skills beyond office work.
Think with a business mindset - diversify investments so if one fails, others may succeed.
Remember: Bad times don't announce their arrival. Nothing in this world is guaranteed - not even your health.
Plan wisely today for a secure tomorrow.
