Step 5 · Aim It

Money without a target just... evaporates. So, let's give every rupee of your "future-you" amount a job — and a deadline.

But first, look back at your Step 2 snapshot. Could you comfortably support yourself at 60 on that?

Don't stress — almost none of us can, because we were never taught to think that far ahead. That is not a personal failure; it's exactly why you are here! And the secret fix isn't magically earning crores overnight. It is time.