From the excitement of graduation to the realities of old age, one common experience many of us share is the realization that despite years of hard work, our financial achievements often fall short of our dreams. We find ourselves burdened with loans, debts, and unfulfilled aspirations. This is not due to a lack of effort, but rather a gap in financial knowledge and management. Most middle-class earners struggle because they do not know how to manage their finances effectively, leading to a situation where expenses exceed earnings, and investments do not yield the desired returns.

The crux of the problem lies in poor financial planning and decision-making. Many of us resort to familiar investment options like fixed deposits and buying gold, without understanding the impact of inflation or the potential of other investment vehicles. Inflation erodes the value of money over time, making it crucial to seek investments that offer returns higher than the inflation rate.