text: Ek taraf naye opportunities hain, toh doosri taraf humari khud ki growth hai, kya yeh risk lena zaroori nahi hai? Kya tum bhi excited nahi ho?Excited toh hoon, lekin mujhe lagta hai ki humein pehle budget aur lifestyle ke baare mein sochna hoga, bina planning ke kya hoga?