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I want to say something to you but allow me to clarify first I wouldnt wish it on my worst enemy yet I feel I have to say these words because words are powerful your parents will die your loved ones will get hospitalized you are not immune to accidents and you were never born special whatever can happen will happen its Murphys law what I mean is do not wait for something bad to happen to finally get the motivation to prepare for life this is a story of a physicist who studied 14 more years after school to finally land his first job a physicist who never imagined something like this would ever happen in his family this is the story of Dr M patta bhiraman also known as pattu hi Im pattu from previous [Music] true wealth has nothing to do with money but I told myself Im never going to be in that position again but two is a professor of physics at IIT Madras who started learning personal finance out of fear his interest in the field of finance and his background as a researcher allow