Invest wisely and invest early, to make sure that you live tension free in your later life. I am working towards it, or at least that’s what I hope. I managed to save a small portion of my earning even when I was earning very little like an early jobber. I still have those low-risk, low-return investments of my youth and contribute to them regularly. They are going to be the rock of my post-retirement life. They are also the foundation on the basis of which I mustered the courage to invest in more adventurous options. Over the years, I have invested in instruments of diverse risk profile and returns. But with wise investment decisions, I have been able to spread out my assets and meet my expectations of safety and market return. For me, managing my money has been a continuous process, a long-term project that starts and ends with income generating a period of my life.