Putting ₹10 lakhs in a fixed deposit at 6.5% interest.
Topping up their PPF account every April.
Renewing their LIC endowment policy.
Maybe even buying a bit of gold during Diwali.
They sleep easy, thinking they've made "smart financial decisions." But here's the ugly truth no one tells you:
When inflation runs hotter than your return, your so-called "savings" are actually decaying assets.
