text: 'Kabhi kabhi mujhe lagta hai ki saving mein hi achha hai, par investment ke risks ko bhi consider karna zaroori hai. Balance toh banana padega, warna future mein dikkat ho sakti hai.''Investment karne se zyada returns milte hain, par kya hume apne monthly expenses ka bhi dhyan rakhna nahi chahiye? Mujhe lagta hai saving aur investment dono ka balance zaroori hai.'