Dear Editor

2001-2003: Bangalore I had just started my career with Cisco Systems in India’s IT hub and used to cycle to work through Cubbon Park daily. One day my boss spotted me and queried if  I had trouble paying for transport. While I assured her that I rode a cycle as I enjoyed the activity, she wasn’t convinced much and offered to give me a raise. While I enjoyed my life in Bangalore between 2001 and 2003, I saved with peanuts. Looking back, I realise that I should have been a little more careful with my money. I should have at least started a SIP, which could have helped me accumulate a bit of wealth for my ensuing education.  Now, I always recommend to save at least 20 per cent of one’s income.   2004-2005: New York As a student at Columbia University, my earning capacity was gone and all I could rely upon was an education loan. I had to make a choice...