text: 'Main toh kabhi kabhi market ke ups and downs se dar jaati hoon, par kya tumhe risk nahi pasand? Mujhe thrill pasand hai, lekin caution bhi zaroori hai, tabhi toh balance milega!''Savings account ka minimum balance rakhta hoon, par kya tumhe lagta hai ki yeh enough hai? Nahi, yeh toh sirf basic hai, humein apne portfolio ko diversify karna padega!'