text: 'Main soch rahi thi ki kya hum monthly budget bana ke saving shuru kar sakte hain? Kyunki mujhe lagta hai investment mein samajh nahi aata, kya sahi hai kya galat.''Investment mein jo bhi risk hai, uska potential return bhi toh hai na? Saving toh sirf ek chhoti si khushiyon ki guarantee hai, par investment se zyada possibilities milti hain.'