text: mujhe samajh nahi aata ki kaise log bina financial planning ke itne carefree hote hain,yeh toh khud ke liye bhi nahi hai, kya tumhe nahi lagta?bilkul, yeh sab kuch chalta hai ki mentality hai, lekin jab emergencies aati hain, tab sab samajh aata hai, tab tak toh kuch nahi hota!