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The text discusses the importance of being prepared for life, as unexpected events such as the death of parents and accidents can happen to anyone. It tells the story of Dr. M Patta Bhiraman, a physicist who spent 14 years studying after school to secure his first job. Despite never imagining such events, he emphasizes the significance of being financially prepared. True wealth, according to Dr. Bhiraman, is not just about money but about being ready for life's uncertainties. His journey from physicist to finance enthusiast was driven by fear and a desire to never be caught unprepared again.