Most people have heard of the Y2K problem. But recently, I found myself thinking about a different problem altogether. I call it the W2K problem. W2K stands for a surprisingly simple but unsettling idea: the average person may have only around 1800 to 2000 truly productive working weeks in an entire career. At first, the number sounds absurdly small. But the arithmetic is straightforward. A person who begins serious professional work around the age of twenty-five and retire

As we start the new financial year, this is a good time to pause and look at how your monthly income is being used. Let me try and help you rationalise your expenses, EMIs, and savings in a simple and practical manner. If you do not consciously divide your income, it quietly disappears into expenses, EMIs, and lifestyle leakages. The solution is simple: divide your monthly income into three buckets. The three-bucket approach For ease of understanding, think of these as three