New Delhi, May 5 -- Arjun, a 42-year-old software engineer based in Bengaluru, lived a textbook life, earning more, saving regularly, and staying cautious. His only mistake was confusing savings with investments.

Name changed to protect anonymity.

For most salaried professionals like Arjun, money is something you earn first and think about later.

The early years are spent proving yourself: working longer hours, upgrading skills, chasing increments. Savings happen almost by default. As you progress in your career, your salary grows, and your bank account becomes plush. The rising balance gives a sense of achievement, almost as if it is proof that things are working well.

While you are diligently saving every month, one essential step o...