A compilation of what i read and what i know about personal finance: Financial safety Net: These days I am involved in a very challenging DMAIC project (Define Measure analyze Improve Control). Immediately vinay’s(my friend) question will be “what’s your savings mukundhan?” “vinay, This project is all about financial savings”.. Let me give you a brief background to my DMAIC project. One day I was in deep introspection thinking about money. As usual my wife interjected “what are you thinking so deeply about? “About me right ?” My inner voice replied “ No Honey its about money”. My external voice interpreted my inner voice to my wife” How much do you think we need for financial security? “10 crores“…bang came the reply…I had just heard the customer voice, My DMAIC project was thus born…I was taken aback…and asked too feebly “Don’t you think this is too ambitious a target? … “Lets measure” was the curt reply from my wife. So we set out to the measure phase. It was all about knowing