My wife’s relative was complaining about the cost of vegetables and gas. Nothing new there since the man is always complaining about something or the other! I asked him how much he took home in salary in a year. After a lot of hesitation, he answered. I asked him if this number included his part-time job as an architect. He hummed and hawwed and replied No. Whether the number he gave me was the actual number or not is up for debate. I then asked him how much he spent, on an average, in a month on groceries, gas and utilities. He thought for a bit and told me. I then did some quick mental math and found he was spending approximately 30% of his salary. I then asked him what his architectural consultancy gave him. He replied with a number. He was making the same amount! That means he was spending about 15% of his gross pay on his needs! The remaining was his to do what he wanted. I told him this and he said he was able to save ONLY Rs 10,000 a month! I then asked him what he did with his