text: 'Main sirf savings ki baat kar raha hoon, kyunki usse emergency fund banega. Lekin tumhe lagta hai kya, investment mein hamesha profit hi hota hai?''Kuch bhi ho, humein apne financial goals set karne chahiye, nahi toh hum bas chalte rahenge. Aaj se hum budgeting shuru karte hain, kya kehna hai?'