text: yaar,meri dost ne bola ki financial planning kaise karte hain, lekin mujhe toh samajh nahi aata, aakhir humari zarooratein kya hain?financial planning ka matlab hai apne goals set karna, jaise ghar kharidna ya retirement ke liye save karna, yeh sab toh humein pehle se plan karna padta hai!