In this world we earn and do our expenses but as time passes the biggest problem is inflation because our earnings rise at low speed and inflation at big speed whatever be the percentage for example in 2000 10000 was a good amount to live which now has become 1 lakh this is because of inflation so the point is that to counter inflation we must not only save we must invest our money to grow at at least 10% to 15% this is the only way to counter inflation so start investing at 20s