that i take care of i was working during the pandemic as well so i was among those fortunate people who had some money coming in i believe one must be clear about the kind of lifestyle one wants to lead and things they want to invest in i have realised that impulsive purchases are a no no goto mantra for wealth management i feel having a foresight and a clear vision about your future is very important ask yourself what kind of personal growth you are looking for this helps you manage your money better i also feel you have just one life and one must spend money on things and experiences they truly enjoy i am hesitant when it comes to spending money on myself but when it comes to doing something for a special someone or spending on travel i would readily do itmy investment portfolio i invest in mutual funds and i do have a wealth manager who has been guiding me dont go wild with your investments play safe delnaaz irani on managing finances independently for the longest time i had someone managing my fianances today i am independently managing a lot yes i have a financial advisor too however i am very old school when it comes to my investments i dont take a lot of risks with money i play really safe money lessons taught by the pandemic i have never compromised on my lifestyle for sure but the pandemic did affect most of us having said that i practiced a bit of constraint there was also no going out so i didnt end up splurging on a lot of things some expenses were automatically curbed the pandemic taught us to invest having your basics right like good insurance and mediclaim policies is a my investment portfolio i like to live my life fully and at the same time save money for the future there is a good balance between spending and investing fixed deposits property mutual funds is where i invest my money i dont go wild with my investments i have never dealt with shares goto mantra for wealth management do not invest in one thing do not put all your eggs in one basket be safe and invest wisely