Make hay while the sun shines.

Assuming the average age of a person reading my blog to be 25 approx. and you as one of them, here is some piece of advice.
Have you started investing if not so then start asap. This is the right time to take risks as your responsibilities are not much. Equities are better return provider compared to other tax saving activities if done in a proper manner. The appetite for risk will reduce slowly as one grows in age because of the need for financial security. Hence "Make hay while the sun shines."

Cash v/s sanity

They say, we do;
They pay, we spend;
At last all comes to an end.

This is the quintessence of the modern day "Indian Techie's" reality. All the so called hard earned money is being ploughed back to where it all came from, ain't this consumerism supposed to benefit somebody. People are getting hooked on to the western way of life. This is not some harangue about how I feel but hard facts of life which no one is ready to face. People want to own things from money which does'nt belong to them (even I will fall prey to this), a temptation which is hard to resist. A lot of anything is bad, same principle applies to liquidity, a lot of liquidity ensures that not all the investments made by people are sound as there is a lot of cash at hand. And this is what all leads to downslides and panic when basic fundamentals are not followed.