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Suman Meghwansi

Stealth • 10h

Ramesh, a schoolteacher from Lucknow, always dreamed of owning a car. After years of saving, he finally bought a shiny new sedan. It felt like success—until the bills rolled in. EMIs, fuel, maintenance—his monthly income vanished before he could blink. One evening, over chai, his old friend Shyam shared a secret. “Ramesh, I used to think the same way—buy first, pay later. But then I learned this: never buy liabilities first. I bought a small shop, and now the rent it earns pays for my bike, vacations, and more. Let your money work for you, not against you.” Inspired, Ramesh started small, investing in mutual funds and later a small rental property. Over time, his assets grew. Today, his investments cover his luxuries—and he’s stress-free. The Lesson: Don’t let shiny dreams drain your future. Invest in assets first, and let them fund your life.

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