text: 'Financial planning ke liye humein ek framework banana padega, warna hamesha confusion mein rahenge. Savings aur investments ko milakar ek structured approach zaroori hai!''Yeh debate kabhi khatam nahi hogi, par mujhe toh investment ka risk lekar dekhna hai. Tumne kabhi socha hai ki agar hum sirf savings karte rahe toh kya hoga?'