text: 'Bhai, mujhe toh lagta hai ki in schemes ka koi khaas asar nahi hoga. Har baar waise hi promises hote hain, lekin zindagi toh waise ki waise hi hai.''Main agree nahi karta, kuch schemes ne toh meri financial planning ko kaafi help kiya hai. Jaise, subsidies se kharch kam hua hai, yaar, kaafi relief mila hai!'