text: Main soch rahi thi ki agar hum monthly expenses track karein, toh pata chalega ki kis area mein cut down kar sakte hain, savings badhaane ke liye.That’s a great idea! Lekin agar hum investments mein bhi diversify karein, toh woh hume long-term mein zyada returns de sakta hai, kya tumhe yeh sahi lagta hai?