A well thought ,well informed info.... intesresting and useful article.....concepts like time value of money,risk and return ....i think r very interesting topics.....saving at a young age ...is a very nice thought......saving money without being kanjoos and makhkhi choos......thoughtful saving.....and investment of the saving to get returns....that can be further invested for getting better ..higher returns.....I think this way the same portion can be rotated along with the the returns added to it , further utilised....so that we can have a separate funds for investment purpose ....as r capital.As far as meeting the expenses r concerned we have r salary and the savings from it that we have kept for splurging on various luxuries.wow! wonderful dream at the age of 21......i need to start saving.....from now.