New Delhi, Nov. 11 -- The person sitting beside Mohit looks distinctly familiar. His forehead is lined, his hair entirely grey. Green veins swell through the delicate skin on his frail hands. A slow, mysterious smile crosses his face. Mohit's eyes widen, and then the penny drops.

It's him at 80-thirty years older than he is now. In this imaginary journey through time, Mohit gets a rare chance to learn how his money decisions have played out. He has a thousand questions for the senior Mohit. Will the octogenarian thank him for the choices he's made? What will he reprimand him for? And what should he change now?

The 80-year-old squints at Mohit through his reading glasses, with a thirty-year report card in front of him. "You look worried,...