text: Wah, yeh toh kaam ki baat hai! Aur hum saath mein goals set karne ka ek plan bhi bana sakte hain, taaki humein pata rahe ki hum kis direction mein ja rahe hain.Sun, agar hum savings ko emergency fund ki tarah treat karein aur baaki paise ko long-term investments mein lagayein, toh humara risk bhi kam ho jayega, right?