Learnt to save the money before spending it

Before he was introduced to the concept of financial planning, Shobhit Chaudhary believed in spending money and the saving part came much later. But a few meetings with Khyati Mashru, founder and chief financial coach, Plantrich Consultancy LLP, made him realise that all this time he had been following the opposite of what actually works—saving money before you spend. Shobhit, 37, who works in the information technology sector, lives with his parents, wife Pooja, and Disha, the couple's 8-year-old daughter. Up until about 4 years ago, his only investments consisted of two life insurance policies. Somewhere there was a nagging feeling that this is not sufficient for all his desired money goals. 

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