New Delhi, April 18 -- Imagine you have a set goal in mind to build a Rs.10 crore corpus for your retirement. Now at the first thought, the biggest challenge may seem obvious-you might think you are not earning enough money or finding the perfect investment strategy

But no, neither of these are the hard part if you have financial discipline. The real challenge begins early: building the first Rs.1 crore. It takes the longest and can be most frustrating, but remember, you are not just investing money here - rather creating a strong foundation for the next phase of wealth creation

because compounding works slowly in the beginning. At first, your wealth grows mainly through the money you save and invest. And the returns isn't much yet. It ...