With 2015 few days away, I thought of writing the most debated topic & a crucial benchmark, which always get backseat…. What should come first? Expenses or investments?
Let me start with you… which one will you prefer?

• Income minus expenses equals investments
• Or Income minus investments equals expenses

I will not be surprised, if you have selected the 1^st option, as most of us including myself (till few years back though) follows the first model, i.e. we take out expenses from our monthly income first & balance is looked at investments later, on what is left.

I started thinking as to why most of us follow this model, even though back of the mind we know it’s wrong.I started comparing societies & countries on how they follow savings & investments. What comes out clearly in the culture & upbringing an individual goes through, where I can draw parallel to the most heated topic of 2014, “women empowerment”.

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