text: ek taraf savings account hai jo safe hai,lekin mujhe lagta hai ki mutual funds zyada challenging aur exciting hain, tumhe kya lagta hai in dono ke beech kaise decide karein?challenging hona zaroori hai, lekin excitement ke sath sath research bhi zaroori hai, kya hum ek budget bana kar invest karne ka plan bana sakte hain?