text: 'Main soch raha tha ki child education plan lena sahi rahega, kya tumhare paas koi idea hai? Haan, lekin mujhe mutual funds ke long-term returns zyada attractive lagte hain, kya tum agree karte ho?''Kya tumhe pata hai ki kuch log education loans bhi lete hain? Mujhe toh yeh risky lagta hai, kyunki loan chukana mushkil ho sakta hai!'