Most of the government schemes are for long term like 20-30 years scheme. The money invested into them are locked for this long period. These schemes are fetching very low returns and sometime negative after considering inflation.
Are these scheme worth investing?
I am thinking of starting a mutual fund distribution business. Just curious about how and from where should I start.
I am recording all my income and expenses on the excel sheet since last 5 years now. It started with simple excel log file and now it has many sheets and pivot tables.
I still prefer to excel file since it’s offline and personal.
Putting up for discussion and any suggestions.
Sounds dramatic? Look at the trend.
Food inflation isn’t just numbers on a chart anymore — it’s quietly changing behavior. What used to be a casual Friday night plan is slowly turning into a “let’s check the budget first” decision.
A decent dinner for two in an urban Indian city already hits ₹1,500–₹3,000 without trying too hard. Now stretch that out 10 years with rising costs, lifestyle creep, and stagnant real income growth for many…
We might end up in a world where:
Eating out is planned like a mini luxury
“Let’s order in” replaces “let’s go out”
And restaurants become occasional experiences, not routines
The real question isn’t whether prices will rise — they will.
The question is:
Are our incomes, savings habits, and investment returns actually keeping up… or are we just normalizing a lower standard of living without realizing it?
Because if they aren’t, “dinner outside” won’t disappear.
It’ll just become something you work towards.