text: 'Savings account ka interest rate sunke mujhe toh sirf disappointment hota hai, tumhe nahi? Waise, mutual funds ki duniya mein bhi volatility hai, socho!''Tumhe kya lagta hai, kya hum dono ek joint investment account khol sakte hain? Mujhe toh yeh idea bahut interesting lag raha hai, hum dono ka financial goal ek hai!'