{"id":108,"date":"2023-10-08T19:02:39","date_gmt":"2023-10-08T18:02:39","guid":{"rendered":"https:\/\/mehnatt.com\/?p=108"},"modified":"2023-10-08T19:02:39","modified_gmt":"2023-10-08T18:02:39","slug":"%e0%a4%95%e0%a4%b0%e0%a5%8b%e0%a4%a1%e0%a4%bc%e0%a4%aa%e0%a4%a4%e0%a4%bf-%e0%a4%ac%e0%a4%a8%e0%a4%a8%e0%a4%be-%e0%a4%b9%e0%a5%88-%e0%a4%a4%e0%a5%8b-%e0%a4%af%e0%a5%87-5-financial-mistakes-%e0%a4%ae","status":"publish","type":"post","link":"https:\/\/mehnatt.com\/?p=108","title":{"rendered":"\u0915\u0930\u094b\u0921\u093c\u092a\u0924\u093f \u092c\u0928\u0928\u093e \u0939\u0948 \u0924\u094b \u092f\u0947 5 Financial mistakes \u092e\u0924 \u0915\u0930\u093f\u092f\u0947!"},"content":{"rendered":"\n<p>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u092f\u0941\u0935\u093e \u0905\u092a\u0928\u0947 20 \u0935\u0940 \u092e\u0947\u0902 \u092f\u093e\u0928\u0940 23 \u092f\u093e 24 \u0938\u093e\u0932 \u0915\u0940 \u0909\u092e\u094d\u0930 \u092e\u0947\u0902 \u0915\u093e\u092e \u0915\u0930\u0928\u093e \u0936\u0941\u0930\u0942 \u0915\u0930 \u0926\u0947\u0924\u0947 \u0939\u0948\u0902\u0964<br>\u092a\u0939\u0932\u0940 \u0915\u092e\u093e\u0908 \u0915\u093e \u092e\u091c\u093e \u0914\u0930 \u0959\u0941\u0936\u0940 \u0915\u093e \u0932\u0947\u0935\u0932 \u0939\u0940 \u0915\u0941\u091b \u0914\u0930 \u0939\u0948\u0964<br>\u090f\u0915 \u092b\u094d\u0930\u0940\u0921\u092e \u0915\u093e \u090f\u0939\u0938\u093e\u0938 \u0939\u094b\u0928\u0947 \u0932\u0917\u0924\u093e \u0939\u0948\u0964 \u092a\u0930 \u092b\u093f\u0930 \u0907\u0938\u0940 \u090f\u0939\u0938\u093e\u0938 \u0915\u0947 \u091a\u0932\u0924\u0947 \u092f\u0941\u0935\u093e \u095e\u093f\u095b\u0942\u0932 \u0915\u093e \u0916\u0930\u094d\u091a\u093e \u0915\u0930\u0928\u093e \u091a\u093e\u0932\u0942 \u0915\u0930 \u0926\u0947\u0924\u0947 \u0939\u0948, \u091c\u0948\u0938\u0947 \u0915\u093e\u092e \u0928 \u0939\u094b\u0928\u0947 \u092a\u0930 \u092d\u0940 \u0915\u094b\u0908 \u091a\u093f\u091c\u0947 \u0916\u0930\u0940\u0926\u0928\u093e, \u090f\u0915 <strong>\u092e\u0942\u0932\u094d\u092f\u0939\u094d\u0930\u093e\u0938 \u0938\u0902\u092a\u0924\u094d\u0924\u093f (Depreciating asset)<\/strong> \u0915\u094b \u0932\u094b\u0928 \u0932\u0947\u0915\u0947 \u092f\u093e \u092b\u093f\u0930 <strong>EMI<\/strong> \u092a\u0947 \u0916\u0930\u0940\u0926\u0928\u093e \u0914\u0930 \u0907\u0924\u094d\u092f\u093e\u0926\u093f\u0964 (\u090f\u0915 \u0915\u093e\u0930 Depreciating asset \u0915\u093e \u090f\u0915 \u0909\u0926\u093e\u0939\u0930\u0923 \u0939\u0948, \u091c\u093f\u0938\u0915\u0940 \u0915\u093f\u092e\u094d\u092e\u0924 \u0938\u092e\u092f \u0915\u0947 \u0938\u093e\u0925 \u0915\u092e \u0939\u094b\u0924\u0940 \u0930\u0939\u0924\u0940 \u0939\u0948\u0964) \u0927\u0940\u0930\u0947 \u0927\u0940\u0930\u0947 \u092f\u0947 \u0939\u0940 \u0938\u092c \u0906\u0926\u0924\u0947 \u090f\u0915 \u092f\u0941\u0935\u093e \u0915\u094b financial \u0921\u093f\u0938\u094d\u091f\u094d\u0930\u0947\u0938 \u0915\u0940 \u0914\u0930 \u0932\u0947 \u091c\u093e\u0924\u093e \u0939\u0948, \u0914\u0930 \u0905\u0917\u0930 \u092f\u0941\u0935\u093e \u0938\u092e\u092f \u0930\u0939\u0924\u0947 \u0907\u0938\u0947 \u0920\u0940\u0915 \u0928\u0939\u0940\u0902 \u0915\u0930\u0924\u093e \u0939\u0948 \u0924\u094b \u0935\u094b \u0905\u092a\u0928\u093e \u092d\u0935\u093f\u0937\u094d\u092f \u0906\u0930\u094d\u0925\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0928\u0939\u0940\u0902 \u0915\u0930 \u092a\u093e\u0924\u093e\u0964 \u0924\u094b \u091a\u0932\u093f\u090f \u0907\u0938 \u0932\u0947\u0916 \u0915\u0947 \u095b\u0930\u093f\u092f\u0947 \u0939\u092e \u0932\u094b\u0917, \u090f\u0915 \u092f\u0941\u0935\u093e \u0905\u092a\u0928\u0940 20 \u0935\u0940 \u092e\u0947\u0902 \u0915\u094c\u0928\u0938\u0940 financial mistakes \u0915\u0930\u0924\u093e \u0939\u0948, \u0914\u0930 \u0935\u094b \u0907\u0928\u094d\u0939\u0947 \u0915\u0948\u0938\u0947 \u0938\u0941\u0927\u093e\u0930 \u0938\u0915\u0924\u093e \u0939\u0948 \u092f\u0947 \u0938\u092e\u091d \u0928\u0947 \u0915\u0940 \u0915\u094b\u0936\u093f\u0936 \u0915\u0930\u0924\u0947 \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>5 Financial mistakes to avoid<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li style=\"font-size:18px;line-height:2.5\"><a href=\"#not-investing\">Not investing and Not starting Early. (\u0928\u093f\u0935\u0947\u0936 \u0928 \u0915\u0930\u0928\u093e \u0914\u0930 \u0928\u093f\u0935\u0947\u0936 \u0915\u094b \u091f\u093e\u0932\u0928\u093e)<\/a><\/li>\n\n\n\n<li style=\"font-size:18px;line-height:2.5\"><a href=\"#excessive\">Excessive debt (\u0905\u0924\u094d\u092f\u0927\u093f\u0915 \u0915\u0930\u094d\u091c \u0915\u0930\u094d\u0932\u0947\u0928\u093e)<\/a><\/li>\n\n\n\n<li style=\"font-size:18px;line-height:2.5\"><a href=\"#not-diversifying\">Not diversifying the asset class (\u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0915\u0947 \u0935\u0930\u094d\u0917 \u092e\u0947\u0902 \u0935\u093f\u0935\u093f\u0927\u0924\u093e \u0928 \u0932\u093e\u0928\u093e)<\/a><\/li>\n\n\n\n<li style=\"font-size:18px;line-height:2.5\"><a href=\"#health-insurance\">Not having Health insurance and Term insurance. (\u0939\u0947\u0932\u094d\u0925 \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u0947\u0902\u0938 \u0914\u0930 \u091f\u0930\u094d\u092e \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u0947\u0902\u0938 \u0915\u093e \u0928 \u0939\u094b\u0928\u093e\u0964)<\/a><\/li>\n\n\n\n<li style=\"font-size:18px;line-height:2.5\"><a href=\"#emergency-fund\">Not having emergency fund (\u0907\u092e\u0930\u091c\u0947\u0902\u0938\u0940 \u092b\u0902\u0921 \u0915\u093e \u0928 \u0939\u094b\u0928\u093e)<\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"not-investing\" style=\"line-height:1.7\">1. Not investing and Not starting Early. (\u0928\u093f\u0935\u0947\u0936 \u0928 \u0915\u0930\u0928\u093e \u0914\u0930 \u0928\u093f\u0935\u0947\u0936 \u0915\u094b \u091f\u093e\u0932\u0928\u093e)<\/h3>\n\n\n\n<p>\u091c\u092c \u0907\u0902\u0935\u0947\u0938\u094d\u091f\u093f\u0902\u0917 \u0915\u093e \u0935\u093f\u0937\u092f \u0906\u0924\u093e \u0939\u0948 \u0924\u094b \u0907\u0938\u0915\u093e \u092e\u0924\u0932\u092c \u0939\u0948 \u0915\u0940 \u0939\u092e\u0947\u0902 \u0915\u0939\u0940 \u0928 \u0915\u0939\u0940 \u0916\u0930\u094d\u091a\u0947 \u092a\u0930 \u0915\u093e\u092c\u0942 \u0915\u0930\u0915\u0947 \u0905\u092a\u0928\u0947 \u0906\u092e\u0926\u0928\u0940 \u0938\u0947 \u0915\u0941\u091b \u092a\u0948\u0938\u0947 \u0905\u0932\u0917 \u0928\u093f\u0915\u093e\u0932\u0928\u0947 \u092a\u095c\u0924\u0947 \u0939\u0948, \u0914\u0930 \u0907\u0938\u0940 \u092e\u094b\u0921 \u092a\u0947 Financial Freedom \u0915\u0940 \u091c\u0930\u094d\u0928\u0940 \u090f\u0915 \u0924\u094b \u092c\u093f\u0917\u095c\u0924\u0940 \u0939\u0948 \u092f\u093e \u092b\u093f\u0930 \u092c\u0928\u0924\u0940 \u0939\u0948\u0964 \u091c\u093f\u0938 \u092d\u0940 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0928\u0947 \u0905\u092a\u0928\u0947 \u0906\u092e\u0926\u0928\u0940 \u0938\u0947 \u0915\u0941\u091b \u092a\u0948\u0938\u0947 \u0928\u093f\u0915\u093e\u0932 \u0915\u0947 \u0938\u0939\u0940 \u091c\u0917\u0939 \u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f \u0915\u0930\u0928\u0947 \u0915\u0940 \u0906\u0926\u0924 \u092c\u0928\u093e \u0932\u0940, \u0935\u0939 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0905\u092a\u0928\u093e \u092d\u0935\u093f\u0938\u094d\u092f \u0906\u0930\u094d\u0925\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u092e\u091c\u092c\u0942\u0924 \u092c\u0928\u093e \u0932\u0947\u0917\u093e, \u0914\u0930 \u091c\u093f\u0938 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0928\u0947 &#8220;Investing can wait&#8221; \u0935\u093e\u0932\u093e \u0928\u091c\u093c\u0930\u093f\u092f\u093e \u0930\u0916\u093e \u0909\u0938\u0915\u0940 \u0906\u0930\u094d\u0925\u093f\u0915 \u0938\u094d\u0925\u093f\u0924\u093f \u0921\u0917\u092e\u0917\u093e\u0908 \u0930\u0939 \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<br>\u0915\u0941\u091b \u0932\u094b\u0917 \u0907\u0902\u0935\u0947\u0938\u094d\u091f\u093f\u0902\u0917 \u0915\u093e \u092e\u0939\u0924\u094d\u0935 \u0924\u094b \u0938\u092e\u091d\u0924\u0947 \u0939\u0948 \u0932\u0947\u0915\u093f\u0928 \u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f \u0915\u0930\u0928\u093e \u091f\u093e\u0932\u0924\u0947 \u0930\u0939\u0924\u0947 \u0939\u0948\u0964 \u0926\u0947\u0930\u0940 \u0938\u0947 \u0907\u0902\u0935\u0947\u0938\u094d\u091f\u093f\u0902\u0917 \u0936\u0941\u0930\u0942 \u0915\u0930\u0928\u0947 \u0915\u093e \u092a\u0930\u093f\u0923\u093e\u092e \u0939\u092e \u0928\u093f\u091a\u0947 \u0926\u093f\u090f \u0917\u090f \u0909\u0926\u0939\u093e\u0930\u0923 \u0938\u0947 \u0938\u092e\u091d\u0947\u0902\u0917\u0947\u0964<\/p>\n\n\n\n<figure class=\"wp-block-table aligncenter\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Variables<\/th><th class=\"has-text-align-center\" data-align=\"center\">Person A<\/th><th class=\"has-text-align-center\" data-align=\"center\">Person B<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Age<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">30<\/td><td class=\"has-text-align-center\" data-align=\"center\">24<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Monthly Investment (Rs.)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">10,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">10,000<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Invested years<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">30<\/td><td class=\"has-text-align-center\" data-align=\"center\">36<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Expected rate of return<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">8%<\/td><td class=\"has-text-align-center\" data-align=\"center\">8%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Accumulated corpus<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">36,00,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">43,20,000<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Earned interest (Rs.)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">1,14,02,952<\/td><td class=\"has-text-align-center\" data-align=\"center\">2,08,13,683<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Total Corpus with Interest (Rs.)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>1,50,02,952<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>2,51,33,683<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u090a\u092a\u0930 \u0926\u093f\u090f \u0917\u090f \u091f\u0947\u092c\u0932 \u092e\u0947\u0902 \u0939\u092e \u092f\u0947 \u0926\u0947\u0916 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902 \u0915\u093f <strong>Person A<\/strong> \u091c\u094b \u0915\u093f, <strong>30<\/strong> \u0938\u093e\u0932 \u0915\u0940 \u0909\u092e\u094d\u0930 \u0915\u0947 \u0939\u0948, \u0905\u092a\u0928\u0947 <strong>60<\/strong> \u0938\u093e\u0932 \u0915\u0940 \u0909\u092e\u094d\u0930 \u0924\u0915 \u092f\u093e\u0928\u0947 \u0905\u0917\u0932\u0947 <strong>30<\/strong> \u0938\u093e\u0932 \u0915\u0947 \u0932\u093f\u090f \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 <strong>10,000\/-<\/strong> \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0924\u0947 \u0939\u0948, \u0924\u094b \u0909\u0928\u094d\u0939\u0947\u0902 <strong>8%<\/strong> \u0915\u0947 \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u092a\u0930 \u0932\u0917 \u092d\u0917 <strong>1.50 \u0915\u0930\u094b\u095c<\/strong> \u092e\u093f\u0932\u0924\u0947 \u0939\u0948\u0964<br>\u0914\u0930 <strong>Person B<\/strong> \u091c\u094b \u0915\u093f, <strong>24 <\/strong>\u0938\u093e\u0932 \u0915\u0940 \u0909\u092e\u094d\u0930 \u0915\u0947 \u0939\u0948, \u0905\u092a\u0928\u0947 <strong>60<\/strong> \u0938\u093e\u0932 \u0915\u0940 \u0909\u092e\u094d\u0930 \u0924\u0915 \u092f\u093e\u0928\u0947 \u0905\u0917\u0932\u0947 <strong>36<\/strong> \u0938\u093e\u0932 \u0915\u0947 \u0932\u093f\u090f \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 <strong>10,000\/-<\/strong> \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0924\u0947 \u0939\u0948, \u0924\u094b \u0909\u0928\u094d\u0939\u0947\u0902 <strong>8% <\/strong>\u0915\u0947 \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u092a\u0930 \u0932\u0917 \u092d\u0917 <strong>2.51 \u0915\u0930\u094b\u095c<\/strong> \u092e\u093f\u0932\u0924\u0947 \u0939\u0948\u0964 <strong>Person A<\/strong> \u0928\u0947 <strong>Person B<\/strong> \u0915\u0947 \u0924\u0941\u0932\u0928\u093e \u092e\u0947\u0902 \u0915\u0947\u0935\u0932 <strong>6<\/strong> \u0938\u093e\u0932 \u0926\u0947\u0930\u0940 \u0938\u0947 \u0907\u0902\u0935\u0947\u0938\u094d\u091f\u093f\u0902\u0917 \u0936\u0941\u0930\u0942 \u0915\u0940 \u0924\u094b \u0909\u0928\u094d\u0939\u0947\u0902 \u0932\u0917 \u092d\u0917 <strong>1 \u0915\u0930\u094b\u095c<\/strong> \u0930\u0941\u092a\u092f\u0947 \u0915\u092e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0939\u0941\u090f\u0964<br>\u0907\u0938\u0940 \u0909\u0926\u0939\u093e\u0930\u0923 \u0938\u0947 \u0939\u092e\u0947\u0902 \u0938\u092e\u091d \u0906\u0924\u093e \u0939\u0948 \u0915\u0940 \u0926\u0947\u0930\u0940 \u0938\u0947 \u0907\u0902\u0935\u0947\u0938\u094d\u091f\u093f\u0902\u0917 \u0936\u0941\u0930\u0942 \u0915\u0930\u0928\u0947 \u092a\u0930 long term \u092e\u0947\u0902 \u0915\u093f\u0924\u0928\u093e \u092d\u093e\u0930\u0940 \u0928\u0941\u0915\u0938\u093e\u0928 \u0939\u0948\u0964 \u092f\u0926\u093f \u0939\u092e \u0905\u0917\u0930 \u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f \u0939\u0940 \u0928 \u0915\u0930\u0947 \u0924\u094b \u0938\u094b\u091a\u094b \u0915\u093f\u0924\u0928\u0940 \u092c\u095c\u0940 \u092d\u0942\u0932 \u0915\u0930 \u0926\u0947\u0902\u0917\u0947\u0964<\/p>\n\n\n\n<p style=\"line-height:1.8\"><strong>Way Ahead:-<\/strong><br>(a) \u0928\u093f\u0935\u0947\u0936 \u091c\u0932\u094d\u0926 \u0938\u0947 \u091c\u0932\u094d\u0926 \u091a\u093e\u0932\u0942 \u0915\u0930\u0947\u0964<br>(b) \u0928\u093f\u0935\u0947\u0936 \u092e\u0947\u0902 \u0905\u0928\u0941\u0936\u093e\u0938\u0928 (Discipline) \u092c\u0928\u093e\u090f \u0930\u0916\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f <strong>SIP<\/strong> \u0936\u0941\u0930\u0942 \u0915\u0930\u0947\u0902\u0964<br>(c) \u0905\u092a\u0928\u0940 \u091c\u094b\u0916\u093f\u092e \u0915\u094d\u0937\u092e\u0924\u093e \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0947\u0902, \u091c\u0948\u0938\u0947 \u0915\u093f Debt fund \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0928\u093e Equity fund \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u092e\u0947\u0902 \u0915\u092e \u091c\u094b\u0916\u093f\u092e \u092d\u0930\u093e \u0939\u094b\u0924\u093e \u0939\u0948\u0964<br>(d) \u0916\u0930\u094d\u091a \u0915\u0930\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u092c\u091a\u093e\u090f\u0902 <strong>(Save before spend),<\/strong> \u0924\u093e\u0915\u093f \u0928\u093f\u0935\u0947\u0936 \u091c\u093e\u0930\u0940 \u0930\u0916 \u0938\u0915\u0947\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"excessive\">2.Excessive debt (\u0905\u0924\u094d\u092f\u0927\u093f\u0915 \u0915\u0930\u094d\u091c \u0915\u0930\u094d\u0932\u0947\u0928\u093e)<\/h3>\n\n\n\n<p>\u0907\u0938\u0915\u093e \u092e\u0924\u0932\u092c \u0939\u0948 <strong>&#8220;\u0906\u092e\u0926\u0928\u0940 \u0905\u091f\u094d\u0920\u0928\u094d\u0928\u0940 \u0916\u0930\u094d\u091a\u093e \u0930\u0941\u092a\u0948\u092f\u093e&#8221;<\/strong>\u0964<br>\u0905\u0915\u094d\u0938\u0930 \u092f\u0941\u0935\u093e\u090f \u0905\u092a\u0928\u0947 \u0916\u0930\u094d\u091a\u0947 \u0915\u094b \u092e\u093e\u092a\u0924\u0947 \u0928\u0939\u0940\u0902 \u0939\u0948\u0964 \u0935\u0947 \u0905\u092a\u0928\u0940 \u0907\u091a\u094d\u091b\u093e \u0914\u0930 \u091c\u0930\u0942\u0930\u0924 \u092e\u0947\u0902 \u092b\u0930\u094d\u0915 \u0928\u0939\u0940\u0902 \u0938\u092e\u091d\u0924\u0947 \u0914\u0930 \u0909\u0938\u0940\u0915\u0947 \u091a\u0932\u0924\u0947 \u0905\u092a\u0928\u0940 \u0907\u091a\u094d\u091b\u093e \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092b\u093f\u091c\u0942\u0932 \u0915\u093e \u0916\u0930\u094d\u091a\u093e \u0915\u0930 \u092c\u0948\u0920\u0924\u0947 \u0939\u0948\u0902\u0964<br>\u0915\u0908 \u092c\u093e\u0930 \u0910\u0938\u093e \u0916\u0930\u094d\u091a\u093e \u0932\u094b\u0928 \u0914\u0930 EMI \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u092a\u0942\u0930\u093e \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948 \u091c\u094b \u0915\u0940 \u090f\u0915 \u092c\u0921\u093c\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0917\u0932\u0924\u0940 (financial mistake) \u0939\u0948\u0964<br>\u092c\u0922\u093c\u0924\u093e \u0915\u0930\u094d\u091c \u0914\u0930 \u0909\u0938\u0915\u0947 \u0938\u093e\u0925 \u092c\u0922\u093c\u0924\u093e \u092c\u094d\u092f\u093e\u091c \u090f\u0915 \u0907\u0902\u0938\u093e\u0928 \u0915\u0947 \u0932\u093f\u090f \u0935\u093f\u0924\u094d\u0924\u093f\u092f \u092a\u0930\u0947\u0936\u093e\u0928\u0940 \u0916\u0921\u0940 \u0915\u0930 \u0926\u0947\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p><strong>Way Ahead:-<\/strong><br>(a) \u0938\u092d\u0940 \u0906\u0935\u0936\u094d\u092f\u0915 \u0916\u0930\u094d\u091a\u094b\u0902 \u0915\u094b \u0928\u094b\u091f \u0915\u0930\u0947\u0964<br>(b) \u092f\u0947 \u0915\u0930\u0928\u0947 \u0938\u0947 \u0906\u092a\u0915\u094b \u092a\u0924\u093e \u091a\u0932\u0947\u0917\u093e \u0915\u093f \u0906\u092a\u0915\u093e \u091c\u0930\u0942\u0930\u0940 \u0916\u0930\u094d\u091a\u093e \u0915\u093f\u0924\u0928\u093e \u0939\u0948, \u0906\u092a\u0915\u0947 \u0935\u0947\u0924\u0928 \u0915\u0947 \u0939\u093f\u0938\u093e\u092c \u0938\u0947 \u0915\u093f\u0924\u0928\u093e \u092a\u0948\u0938\u093e \u092e\u0939\u0940\u0928\u0947 \u0915\u0947 \u0906\u0916\u093f\u0930\u0940 \u092e\u0947\u0902 \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 \u092c\u091a\u0947\u0917\u093e\u0964<br>(c) \u0907\u0938 \u092c\u091a\u0947 \u0939\u0941\u090f \u092a\u0948\u0938\u094b \u0915\u094b \u0906\u092a \u0905\u092a\u0928\u0947 \u0907\u091a\u094d\u091b\u093e \u0905\u0928\u0941\u0938\u093e\u0930 \u0916\u0930\u094d\u091a \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<br>(d) \u0907\u0938 \u0924\u0930\u0939 \u0906\u092a \u095e\u093f\u095b\u0942\u0932 \u0915\u093e \u0916\u0930\u094d\u091a\u093e \u0915\u0930\u0928\u093e \u0914\u0930 \u0915\u0930\u094d\u091c \u0932\u0947\u0928\u093e \u091f\u093e\u0932 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"not-diversifying\" style=\"line-height:1.7\">3.Not diversifying the asset class (\u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0915\u0947 \u0935\u0930\u094d\u0917 \u092e\u0947\u0902 \u0935\u093f\u0935\u093f\u0927\u0924\u093e \u0928 \u0932\u093e\u0928\u093e)<\/h3>\n\n\n\n<p>\u0905\u0902\u0917\u094d\u0930\u0947\u091c\u0940 \u092e\u0947\u0902 \u090f\u0915 \u0915\u0939\u093e\u0935\u0924 \u0939\u0948 \u0915\u093f <strong>&#8220;Don&#8217;t put all your eggs in one basket&#8221;<\/strong> \u091c\u094b \u0915\u093f Investing \u0915\u0947 \u092e\u093e\u092e\u0932\u0947 \u092e\u0947\u0902 \u092c\u093f\u0932\u094d\u0915\u0941\u0932 \u0938\u0939\u0940 \u0939\u0948\u0964 \u0915\u094b\u0908 \u092d\u0940 \u090f\u0915 \u0939\u0940 \u090f\u0938\u0947\u091f \u0915\u094d\u0932\u093e\u0938 \u092e\u0947\u0902 \u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f \u0915\u0930\u0928\u093e \u092f\u0947 \u090f\u0915 \u092c\u095c\u0940 Financial mistake \u092e\u093e\u0928\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<br>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0932\u094b\u0917 \u0917\u094b\u0932\u094d\u0921 \u092e\u0947\u0902 \u092f\u093e \u092b\u093f\u0930 \u0930\u093f\u092f\u0932 \u090f\u0938\u094d\u091f\u0947\u091f \u092e\u0947\u0902 \u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u091c\u094d\u092f\u093e\u0926\u093e \u0935\u093f\u0936\u094d\u0935\u093e\u0938 \u0930\u0916\u0924\u0947 \u0939\u0948\u0964<br>\u0932\u0947\u0915\u093f\u0928 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0914\u0930 \u0938\u094d\u092e\u093e\u0930\u094d\u091f \u0928\u093f\u0935\u0947\u0936 \u0915\u0947 \u0932\u093f\u090f \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0915\u094b \u0928\u093f\u0935\u0947\u0936 \u092e\u0947\u0902 \u0935\u093f\u0935\u093f\u0927\u0924\u093e \u0932\u093e\u0928\u0940 \u091a\u093e\u0939\u093f\u090f \u0914\u0930 \u0938\u094b\u0928\u093e (\u0915\u0947\u0935\u0932 BOND\/ETF), \u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921, \u0907\u0915\u094d\u0935\u093f\u091f\u0940, \u0930\u093f\u092f\u0932 \u0938\u094d\u091f\u0947\u091f, \u0938\u0930\u0915\u093e\u0930\u0940 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 (\u091c\u0948\u0938\u0947 \u092a\u0940\u092a\u0940\u090f\u092b, \u0938\u0941\u0915\u0928\u094d\u092f\u093e \u0938\u092e\u0943\u0926\u094d\u0927\u093f \u092f\u094b\u091c\u0928\u093e) \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964 \u0907\u0938 \u0935\u091c\u0939 \u0938\u0947 \u0915\u094b\u0908 \u092d\u0940 \u090f\u0915 \u090f\u0938\u0947\u091f \u092e\u0947\u0902 \u0906\u0928\u0947 \u0935\u093e\u0932\u0940 \u0917\u093f\u0930\u093e\u0935\u091f \u0938\u0947 \u0939\u092e \u0905\u092a\u0928\u0947 \u092a\u0948\u0938\u094b \u0915\u094b \u092c\u091a\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"health-insurance\" style=\"line-height:1.7\">4.Not having Health insurance and Term insurance. (\u0939\u0947\u0932\u094d\u0925 \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u0947\u0902\u0938 \u0914\u0930 \u091f\u0930\u094d\u092e \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u0947\u0902\u0938 \u0915\u093e \u0928 \u0939\u094b\u0928\u093e\u0964)<\/h3>\n\n\n\n<p>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092c\u0921\u093c\u0940 \u0906\u092c\u093e\u0926\u0940 \u0915\u0940 \u0926\u0947\u0916\u092d\u093e\u0932 \u0915\u0947 \u0932\u093f\u090f \u0938\u0930\u0915\u093e\u0930\u0940 \u091a\u093f\u0915\u093f\u0924\u094d\u0938\u093e \u0938\u0941\u0935\u093f\u0927\u093e\u090f\u0902 \u0905\u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924 \u0939\u0948\u0902\u0964 \u0914\u0930 \u092c\u095c\u0947 \u092a\u094d\u0930\u093e\u0907\u0935\u0947\u091f \u0905\u0938\u094d\u092a\u0924\u093e\u0932\u094b\u0902 \u092e\u0947\u0902 \u091a\u093f\u0915\u093f\u0924\u094d\u0938\u093e \u092c\u0939\u0941\u0924 \u092e\u0939\u0902\u0917\u0940 \u0939\u0948\u0902\u0964\u0907\u0938\u0940\u0915\u0947 \u091a\u0932\u0924\u0947 \u092c\u0939\u0941\u0924\u093e\u0902\u0936 \u0932\u094b\u0917\u094b \u0915\u094b \u0905\u092a\u0928\u0940 \u091c\u0947\u092c \u0938\u0947 \u0939\u0940 \u092e\u0947\u0921\u093f\u0915\u0932 \u0914\u0930 \u0939\u0949\u0938\u094d\u092a\u093f\u091f\u0932 \u0915\u0947 \u0916\u0930\u094d\u091a\u0947 \u0909\u0920\u093e\u0928\u0947 \u092a\u095c\u0924\u0947 \u0939\u0948\u0964 \u0914\u0930 \u092c\u094b\u0939\u0924 \u0938\u0947 \u0938\u092e\u092f \u0924\u094b \u0909\u0928\u0915\u0940 \u0938\u093e\u0930\u0940 \u091c\u092e\u093e \u092a\u0942\u0902\u091c\u0940 \u092c\u095c\u0947 \u0905\u0938\u094d\u092a\u0924\u093e\u0932\u094b\u0902 \u092e\u0947\u0902 \u0907\u0932\u093e\u091c \u0915\u0947 \u0916\u0930\u094d\u091a\u094b\u0902 \u092e\u0947\u0902 \u0928\u093f\u092a\u091f \u091c\u093e\u0924\u0940 \u0939\u0948\u0964 WHO (World Health Organization) \u0915\u0940 \u0930\u093f\u092a\u094b\u0930\u094d\u091f <a rel=\"noreferrer noopener\" href=\"https:\/\/apo.who.int\/publications\/i\/item\/india-health-system-review\" target=\"_blank\">(https:\/\/apo.who.int\/publications\/i\/item\/india-health-system-review)<\/a> \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930, \u0905\u092a\u0928\u0940 \u091c\u0947\u092c \u0938\u0947 \u0938\u094d\u0935\u093e\u0938\u094d\u0925\u094d\u092f \u0926\u0947\u0916\u092d\u093e\u0932 \u092a\u0930 \u0916\u0930\u094d\u091a \u0915\u0930\u0928\u0947 \u0938\u0947 \u0938\u093e\u0932\u093e\u0928\u093e 55 million \u0938\u0947 \u0905\u0927\u093f\u0915 \u092d\u093e\u0930\u0924\u0940\u092f \u0917\u0930\u0940\u092c \u0939\u094b \u091c\u093e\u0924\u0947 \u0939\u0948\u0902\u0964 \u0910\u0938\u0940 \u0926\u0941\u0935\u093f\u0927\u093e \u0915\u093e \u0907\u0932\u093e\u091c \u0939\u0947\u0932\u094d\u0925 \u0907\u0928\u094d\u0936\u0941\u0930\u0928\u094d\u0938 \u0915\u094b \u0916\u0930\u0926\u0928\u0947 \u092e\u0947\u0902 \u0939\u0948\u0964<\/p>\n\n\n\n<p class=\"has-text-align-left\"><strong>Health insurance \u0915\u0947 \u092b\u093e\u092f\u0926\u0947:-<\/strong><br>(a)\u091b\u094b\u091f\u0947\u0938\u0947 \u0938\u093e\u0932\u093e\u0928\u093e \u092a\u094d\u0930\u0940\u092e\u093f\u092f\u092e \u092a\u0947 \u092c\u095c\u093e \u0915\u0935\u0930\u0947\u091c \u092e\u093f\u0932\u0924\u093e \u0939\u0948\u0964<br>(b)\u0906\u091c\u0915\u0932 \u0907\u0928\u094d\u0936\u0941\u0930\u0928\u094d\u0938 \u0915\u092e\u094d\u092a\u0928\u093f\u092f\u093e cashless treatment \u0915\u0940 \u092b\u0948\u0938\u093f\u0932\u093f\u091f\u0940 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0915\u0947 \u0935\u091c\u0939 \u0938\u0947 \u0939\u092e\u0947\u0902 \u0905\u0938\u094d\u092a\u0924\u093e\u0932 \u092e\u0947\u0902 \u092d\u0930\u094d\u0924\u0940 \u0939\u094b\u0928\u0947 \u0914\u0930 \u0907\u0932\u093e\u091c \u0915\u0947 \u0926\u094c\u0930\u093e\u0928 \u090f\u0921\u0935\u093e\u0902\u0938 \u092e\u0947\u0902 \u092a\u0948\u0938\u0947 \u0926\u0947\u0928\u0947 \u0915\u0940 \u091c\u0930\u0941\u0930\u0924 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940\u0964 (*APOLLO \u091c\u0948\u0938\u0947 \u0915\u0941\u091b \u0905\u0938\u094d\u092a\u0924\u093e\u0932, \u0905\u0938\u094d\u092a\u0924\u093e\u0932 \u092e\u0947\u0902 \u092d\u0930\u094d\u0924\u0940 \u0939\u094b\u0928\u0947 \u0915\u0947 \u0938\u092e\u092f \u0930\u093f\u092b\u0902\u0921\u0947\u092c\u0932 \u0921\u093f\u092a\u0949\u091c\u093f\u091f \u0932\u0947\u0924\u0947 \u0939\u0948\u0902\u0964)<br>(c)Cashless treatment \u0932\u0917\u092d\u0917 \u092e\u0941\u092b\u094d\u0924 \u092e\u0947\u0902 \u0907\u0932\u093e\u091c \u0915\u0930\u0928\u0947 \u091c\u0948\u0938\u093e \u0939\u0940 \u0939\u094b\u0924\u093e \u0939\u0948\u0964 \u092d\u0930\u094d\u0924\u0940 \u0915\u0947 \u0938\u092e\u092f \u0905\u092a\u0928\u093e Policy \u0915\u093e\u0930\u094d\u0921 \u0926\u093f\u0916\u093e\u0913, TPA \u0938\u0947 \u0905\u092a\u094d\u0930\u0942\u0935\u0932 \u0932\u094b \u0914\u0930 \u0907\u0932\u093e\u091c \u0915\u0930\u093e\u0913\u0964 \u0907\u0932\u093e\u091c \u0915\u093e \u091c\u094b \u092d\u0940 \u092c\u093f\u0932 \u092c\u0928\u0947\u0917\u093e \u0909\u0938\u0915\u093e \u0907\u0928\u094d\u0936\u0941\u0930\u0928\u094d\u0938 \u0915\u0902\u092a\u0928\u0940 \u0905\u0938\u094d\u092a\u0924\u093e\u0932 \u0915\u094b \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930 \u0926\u0947\u0917\u0940\u0964<br>(d)\u092c\u0940\u092e\u093e \u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0901 \u092d\u0940\u0937\u0923 \u0906\u092a\u0918\u093e\u0924, \u092e\u0927\u0941\u092e\u0947\u0939, \u0905\u0902\u0917 \u092a\u094d\u0930\u0924\u094d\u092f\u093e\u0930\u094b\u092a\u0923, \u0915\u0948\u0902\u0938\u0930 \u0906\u0926\u093f \u091c\u0948\u0938\u0940 \u0935\u093f\u0928\u093e\u0936\u0915\u093e\u0930\u0940 \u092c\u0940\u092e\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u092d\u0940 \u0915\u0935\u0930 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902\u0964 \u091c\u093f\u0938\u0915\u0947 \u0915\u093e\u0930\u0923 \u090f\u0915 \u0907\u0928\u094d\u0936\u0941\u0930\u0928\u094d\u0938 \u0939\u094b\u0932\u094d\u0921\u0930 \u090f\u0915 \u092c\u095c\u0947 \u0916\u0930\u094d\u091a\u0947 \u0938\u0947 \u092c\u091a \u091c\u093e\u0924\u093e \u0939\u0948\u0964<br>\u0907\u0938\u0940 \u092b\u093e\u092f\u0926\u094b\u0902 \u0915\u094b \u0927\u094d\u092f\u093e\u0928 \u092e\u0947\u0902 \u0930\u0916\u0924\u0947 \u0939\u0941\u090f \u0939\u0930 \u090f\u0915 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0928\u0947 \u0905\u092a\u0928\u093e \u0914\u0930 \u0905\u092a\u0928\u0940 \u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u093e \u0939\u0947\u0932\u094d\u0925 \u0907\u0928\u094d\u0936\u0941\u0930\u0928\u094d\u0938 \u0915\u0930 \u0932\u0947\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964 \u0924\u093e\u0915\u093f \u091c\u094b \u092a\u0948\u0938\u093e \u0935\u094b \u092e\u0947\u0939\u0928\u0924 \u0938\u0947 \u092c\u091a\u093e \u0930\u0939\u093e \u0939\u0948 \u0914\u0930 \u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f \u0915\u0930 \u0930\u0939\u093e \u0939\u0948 \u0935\u094b \u0915\u093f\u0938\u0940 \u092c\u0940\u092e\u093e\u0930\u0940 \u092e\u0947\u0902 \u0935\u094d\u092f\u0930\u094d\u0925 \u0928 \u0939\u094b\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"emergency-fund\">5.Not having emergency fund (\u0907\u092e\u0930\u091c\u0947\u0902\u0938\u0940 \u092b\u0902\u0921 \u0915\u093e \u0928 \u0939\u094b\u0928\u093e)<\/h3>\n\n\n\n<p style=\"line-height:1.7\">\u0939\u092e \u0938\u092d\u0940 \u0915\u094b 2019 \u0915\u093e \u0915\u094b\u0935\u093f\u0921 \u0938\u0902\u0915\u094d\u0930\u092e\u0923 \u0905\u091b\u0947\u0938\u0947 \u092f\u093e\u0926 \u0939\u0948\u0964 \u0907\u0938 \u0938\u092e\u092f \u092c\u094b\u0939\u094b\u0924 \u0938\u0947 \u0932\u094b\u0917\u094b \u0928\u0947 \u0905\u092a\u0928\u0940 \u0928\u094c\u0915\u0930\u093f\u092f\u093e \u0916\u094b\u092f\u0940 \u0925\u0940 \u0914\u0930 \u092c\u0939\u0941\u0924 \u0938\u093e\u0930\u0947 \u091b\u094b\u091f\u0947 \u092c\u095c\u0947 \u0927\u0902\u0926\u0947 \u092c\u0902\u0926 \u092a\u095c \u0917\u090f \u0925\u0947\u0964 \u0910\u0938\u0947 \u092c\u0941\u0930\u0947 \u0935\u0958\u094d\u0924 \u092e\u0947\u0902 \u091c\u094b \u0932\u094b\u0917\u094b\u0915\u0947 \u092a\u093e\u0938 \u091c\u092e\u093e \u092a\u0942\u0902\u091c\u0940 \u0939\u094b\u0924\u0940 \u0939\u0948 \u0935\u0939\u0940 \u0915\u093e\u092e \u0906\u0924\u0940 \u0939\u0948\u0964 \u0907\u0938 \u092a\u0930 \u0938\u0947 \u0939\u092e\u0947\u0902 \u090f\u0915 \u0907\u092e\u0930\u091c\u0947\u0902\u0938\u0940 \u092b\u0902\u0921 \u0939\u094b\u0928\u0947 \u0915\u093e \u092e\u0939\u0924\u094d\u0935 \u0938\u092e\u091d \u0906\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p><strong>\u0907\u092e\u0930\u094d\u091c\u0947\u0902\u0938\u0940 \u092b\u0902\u0921 \u092c\u0928\u093e\u0928\u0947 \u0915\u093e \u0928\u093f\u092f\u092e:-<\/strong><br>(a)\u0905\u092a\u0928\u0947 \u090f\u0915 \u092e\u0939\u0940\u0928\u0947 \u0915\u0947 \u0916\u0930\u094d\u091a\u094b\u0902 \u0915\u093e \u0939\u093f\u0938\u093e\u092c \u0932\u0917\u093e\u0907\u092f\u0947\u0964<br>(b)\u0905\u092a\u0928\u0947 \u090f\u0915 \u092e\u0939\u0940\u0928\u0947 \u0915\u0947 \u0916\u0930\u094d\u091a\u094b\u0902 \u0915\u094b 6 \u0938\u0947 \u0917\u0941\u0923\u093e \u0915\u0930\u0947\u0902\u0964<br>(c)\u092a\u0930\u093f\u0923\u093e\u092e\u0940 \u0905\u0902\u0915 \u091c\u093f\u0924\u0928\u093e \u0930\u0942\u092a\u092f\u093e \u0907\u092e\u0930\u091c\u0947\u0902\u0938\u0940 \u092b\u0902\u0921 \u0915\u0940 \u0924\u094c\u0930 \u092a\u0930 \u0930\u0916\u093f\u092f\u0947\u0964<\/p>\n\n\n\n<p><strong>\u0909\u0926\u093e\u0939\u0930\u0923:-<\/strong><br>(a)\u092e\u093e\u0928 \u0932\u0940\u091c\u093f\u090f \u0906\u092a\u0915\u093e \u092e\u093e\u0938\u093f\u0915 \u0916\u0930\u094d\u091a 30,000 \u0930\u0941\u092a\u092f\u0947 \u0939\u0948\u0964<br>(b)30000 \u0915\u094b 6 \u0938\u0947 \u0917\u0941\u0923\u093e \u0915\u0930\u0947\u0902 (30,000*6)=1,80,000\/-<br>(c)\u0907\u0938 1,80,000 \u0930\u0941\u092a\u092f\u0947 \u0915\u094b \u0907\u092e\u0930\u091c\u0947\u0902\u0938\u0940 \u092b\u0902\u0921 \u0915\u0940 \u0924\u094c\u0930 \u092a\u0930 \u0930\u0916\u093f\u092f\u0947\u0964<br>\u0907\u092e\u0930\u091c\u0947\u0902\u0938\u0940 \u092b\u0902\u0921 \u0924\u0948\u092f\u093e\u0930 \u0915\u0930\u0928\u0947 \u0938\u0947 \u0906\u092a\u0915\u0940 \u0928\u094c\u0915\u0930\u0940 \u091c\u093e\u0928\u0947 \u092a\u0930 \u092f\u093e \u0927\u0902\u0926\u093e \u0920\u092a \u0939\u094b\u0928\u0947 \u092a\u0930 \u0915\u092e \u0938\u0947 \u0915\u092e 6 \u092e\u0939\u0940\u0928\u0947 \u0924\u0915 \u0906\u092a\u0915\u094b \u092a\u0948\u0938\u094b \u0915\u0940 \u0926\u093f\u0915\u094d\u0915\u0924 \u0928\u0939\u0940\u0902 \u0906\u090f\u0917\u0940\u0964<br>\u0906\u092a \u0905\u092a\u0928\u0940 \u0938\u0941\u0935\u093f\u0927\u093e \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u0905\u092a\u0928\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u091c\u0930\u0942\u0930\u0924\u094b\u0902 \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092b\u0902\u0921 1 \u0935\u0930\u094d\u0937 \u0924\u0915 \u091f\u093f\u0915\u0947 \u0909\u0924\u0928\u093e \u092c\u095d\u093e \u092d\u0940 \u0938\u0915\u0924\u0947 \u0939\u0948\u0964<\/p>\n\n\n\n<p><strong>\u0907\u092e\u0930\u091c\u0947\u0902\u0938\u0940 \u092b\u0902\u0921 \u0939\u094b\u0928\u0947 \u0915\u0947 \u092b\u093e\u092f\u0926\u0947:-<\/strong><br>(a)\u0907\u092e\u0930\u091c\u0947\u0902\u0938\u0940 \u092b\u0902\u0921 \u0938\u0947 \u0939\u092e \u0939\u092e\u093e\u0930\u0947 \u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u092e\u0947\u0902\u091f \u0915\u0940 \u091c\u0930\u094d\u0928\u0940 \u0915\u094b SIP \u0915\u0947 \u0926\u094d\u0935\u093e\u0930\u093e \u091c\u093e\u0930\u0940 \u0930\u0916 \u0938\u0915\u0924\u0947 \u0939\u0948\u0964<br>(b)\u0906\u0930\u094d\u0925\u093f\u0915 \u0938\u0902\u0915\u091f \u092e\u0947\u0902 \u0939\u092e \u0939\u092e\u093e\u0930\u0947 \u091c\u0940\u0935\u0928 \u0936\u0948\u0932\u0940 \u0915\u094b \u092c\u0930\u0915\u0930\u093e\u0930 \u0930\u0916 \u0938\u0915\u0924\u0947 \u0939\u0948\u0964<br>(c)\u0906\u0930\u094d\u0925\u093f\u0915 \u0938\u0902\u0915\u091f \u092e\u0947\u0902 \u0939\u092e\u0947\u0902 \u0905\u091b\u0947\u0938\u0947 \u0938\u094b\u091a \u0915\u0947 \u0938\u0939\u0940 \u092b\u0948\u0938\u0932\u093e \u0932\u0947\u0928\u0947 \u0915\u093e \u0938\u092e\u092f \u092e\u093f\u0932 \u091c\u093e\u0924\u093e \u0939\u0948.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Conclusion (\u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937)<\/h3>\n\n\n\n<p>\u0905\u0917\u0930 \u0939\u092e \u090a\u092a\u0930 \u092c\u0924\u093e\u0908 \u0917\u0908 5 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0917\u0932\u0924\u093f\u092f\u094b\u0902 (Financial mistakes) \u0938\u0947 \u092c\u091a \u091c\u093e\u090f\u0902 \u0924\u094b \u0939\u092e \u0915\u0930\u094b\u0921\u093c\u092a\u0924\u093f \u092c\u0928\u0928\u0947 \u0915\u0940 \u092f\u093e\u0924\u094d\u0930\u093e \u092c\u093f\u0928\u093e \u0915\u093f\u0938\u0940 \u0930\u0941\u0915\u093e\u0935\u091f \u0915\u0947 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930 \u0915\u0930 \u092a\u093e\u090f\u0902\u0917\u0947\u0964<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u092f\u0941\u0935\u093e \u0905\u092a\u0928\u0947 20 \u0935\u0940 \u092e\u0947\u0902 \u092f\u093e\u0928\u0940 23 \u092f\u093e 24 \u0938\u093e\u0932 \u0915\u0940 \u0909\u092e\u094d\u0930 \u092e\u0947\u0902 \u0915\u093e\u092e \u0915\u0930\u0928\u093e \u0936\u0941\u0930\u0942 \u0915\u0930 \u0926\u0947\u0924\u0947 \u0939\u0948\u0902\u0964\u092a\u0939\u0932\u0940 \u0915\u092e\u093e\u0908 \u0915\u093e \u092e\u091c\u093e \u0914\u0930 \u0959\u0941\u0936\u0940 \u0915\u093e \u0932\u0947\u0935\u0932 \u0939\u0940 \u0915\u0941\u091b \u0914\u0930 \u0939\u0948\u0964\u090f\u0915 \u092b\u094d\u0930\u0940\u0921\u092e \u0915\u093e \u090f\u0939\u0938\u093e\u0938 \u0939\u094b\u0928\u0947 \u0932\u0917\u0924\u093e \u0939\u0948\u0964 \u092a\u0930 \u092b\u093f\u0930 \u0907\u0938\u0940 \u090f\u0939\u0938\u093e\u0938 \u0915\u0947 \u091a\u0932\u0924\u0947 \u092f\u0941\u0935\u093e \u095e\u093f\u095b\u0942\u0932 \u0915\u093e \u0916\u0930\u094d\u091a\u093e \u0915\u0930\u0928\u093e \u091a\u093e\u0932\u0942 \u0915\u0930 \u0926\u0947\u0924\u0947 \u0939\u0948, \u091c\u0948\u0938\u0947 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":113,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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