Hi.. Your article is too good, will be an inspiration to those who have just started earning.
And yes you are right. It is a must to save a portion of our income right from the beginning, which enables us to lead a peaceful retired life... (as I did... Haha). But I didn't had a great knowledge about mutual funds etc. So I went for the different doposit schemes in Banks. Anyways.....
I'm simply proud to be your Mom.... Love you...