India, Aug. 10 -- Every year, India adds millions of young professionals to its workforce who are ambitious, digitally fluent, and earning earlier than any generation before them. Yet ask most of them a simple question, "How much of your income should you save, and where should it go?", and the answer is usually a guess.

We have a generation that is excellent at earning money and largely untrained at managing it. That gap deserves more attention than it currently receives.

Financial literacy is typically treated as something one picks up after a first salary slip or a looming tax deadline. But as most of us from the old guard know, managing money is a discipline practised over a lifetime.

Financial needs evolve with every stage of life...