text: Yeh toh sahi baat hai, par mujhe lagta hai ki humein pehle apne financial goals define karne chahiye, kyunki bina goal ke plan banana mushkil hota hai, samjhi?Achha, agar humare goals clear hain, toh uske hisaab se savings aur investments ka ratio bhi decide kar sakte hain, mujhe yeh approach kaafi sensible lag raha hai.