text: Mujhe samajh nahi aata, aaj kal sab log apps se budgeting karte hain, lekin kya yeh unhe asal mein financial discipline sikha raha hai?Wahi toh, mere uncle bhi kehte hain ki jab tak khud se likh kar nahi dekho, tab tak asli value nahi samajh aati, unki baat mein kuch hai!