are you planning for your future???

Yes I do have planning for future. Since I started working, I made a plan for future so that after retirement I am not short of money. My future plan involves, house with all facilities, 2-3 different pension plans, RD, PF, VPF etc. It is seen that when we are in job, we do not plan expense as much as possible. This negligency leads us in trouble when we are retired. No money remains in our bank account nor we have sufficient properties to run the rest of the life very well. So I starting from the very first month. The then boss also helped me in planning the savings. He suggested me lot of schemes of small amount. His suggestion was very nice as he was old man.