Why Saving Alone Isn't Enough

Money kept as cash slowly loses value because of inflation — the gradual rise in prices over time. If prices rise ~6% a year, ₹100 buys less next year than today; the same happens to dollars. That's why, beyond your emergency fund, families aim to invest — put money into things that can grow faster than inflation. The engine behind growth is compound interest: your money earns returns, and then those returns earn returns too. Because of compounding, time is your biggest advantage — money invested in your 20s can grow far more than the same amount invested in your 40s. The best time to start was years ago; the second-best is now.