text: yaar,mujhe aisa lagta hai ki agar hum risk nahi lenge toh kabhi kuch bada nahi kar payenge, kya tumne bhi kabhi aise socha hai?haan, bilkul! lekin risk kaise manage karna hai, yeh bhi toh samajhna zaroori hai, kyunki bina planning ke sab kuch khatam ho sakta hai, hai na?