In his mid-20s, Kushal started working as an architect two years ago. He dreams of owning a car in two years' time, a house by the time he is in his mid-30s, foreign holidays with family, an affluent lifestyle and early retirement. However, he has no idea how he should go about turning his dreams into reality. He doesn't know how much to save and where to invest. He pretty much spends all that he earns. He wants to start planning for himself, but he does not know
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