text: 'Main toh samajh rahi hoon ki mutual funds ka expense ratio kabhi kabhi high hota hai, par kya tumhe returns ka potential nahi dikhta? Haan, lekin mujhe toh fees aur charges ka bhi khayal rakhna padega!''Tumhe kya lagta hai, kya hum dono ek budgeting app use kar sakte hain? Haan, yeh idea acha hai, isse hum apne kharchon par control rakh sakte hain!'