Picture yourself 20 years from now.
Not in a luxury car or a beach house… but in a quiet room, going over your finances.
Will that version of you smile with gratitude or sit in regret?
We often make money decisions for our present, what feels good now. That gadget we didn’t need, that weekend trip we barely remember, that EMI we convinced ourselves was “worth it.”
Meanwhile, our future self watches in silence… and waits.
It’s not about being rich. It’s about being ready.
Ready when life throws curveballs. Ready when your parents age. Ready when your child dreams bigger. Ready when your body slows down but your bills don’t.
Every SIP skipped, every insurance delayed, every “I’ll start next month” these don’t seem like a big deal today. But they echo loudly tomorrow.
No one talks about the guilt of not planning. Of working hard for decades… and still feeling unsure.
But the truth is: you hold the pen now. Your future self doesn’t need your pity. They need your action.
Start small. Start messy. But start now.
Because when that version of you looks back, they won’t care how trendy your phone was. They’ll care that you gave them choices. Dignity. Peace.
So ask yourself: Will your future self thank you… Or forgive you?