Investing in your child’s secure future

A take on how people are concerned about the future and relate it to money only. Here is how the author worked out the best for her and her children…
read along…


Almost a year later when I reached India after my onsite assignment at USA ended, everyone wanted to know what I would do about the money I have saved. Almost everyone I met wanted to give me suggestions on investing it, buying gold, put it into a FD, buy a policy, start trading and most of them suggested to buy a house.

Sounds good! Doing anyone of this will definitely guarantee a financially secure future for me. I might get good returns and then buy another house for my children for their secure future.

I started thinking of buying a house first. My husband already had a house and was planning to buy another and my parents have two houses, more than enough for me to find shelter for my entire life in any case. Also the maintenance was too much for me to handle and the tenants were more trouble taking away my peace of mind. I dropped the idea.

Next was buying gold. Though I never wear any of the gold I already have but buying more was a good investment in case I need it in bad times. Bad times? No not at all. I will never have such a bad time and already had enough and did not want to buy more. I dropped this idea too.

Next was investing in policies which I had already and my husband also kept doing it for our family. It was too much to keep track of and enough to secure my future. So no more policies or mutual funds for me.

Everything I was thinking of was not working for me. May be I wanted to invest the money somewhere else. I kept ignoring people’s suggestions.

3 months passed by and the money kept lying in my account causing worry, not to me but to my patents and other “well wishers”. I had to do something. But I did not want to think about buying property or gold or investing it and my secure future. Thinking so much about my future was only wasting my today.  It has been 3 months since I have comeback and I did not do a single thing that I wanted to do when I came back.

I had plans to visit my friends in Bangalore. I wanted to go to a long vacation with my family. I wanted to join baking classes and learn to make delicious chocolate muffins which my husband and brother love. I wanted to take my son and all his friends to an amusement park one weekend and be a kid with them. I wanted to go to a beach with my husband and watch the stars at the night lying on the sea shore at night. I wanted to go to Tirupati temple with my parents. I wanted to spend time with my sister and shop a lot on the streets of Mumbai with her and eat as much Panipuri as we can.

I did not do it. Going to Bangalore to meet friends?? The flight tickets are too expensive and going by bus or train takes too much time. Long vacation? Forget it. Who has time? We’ll go some next time. For now invest the money. Cooking classes? Hmm I can join it but it too is so expensive and my office schedule does not allow me to join it. Kids and amusement park? Are you mad? Are you going to pay for the 1000/- per head ticket for all those kids? Whats the occasion? His b’day has gone long back.  Instead buy a good game for your son. Tirupati! good but my parents can go alone. Why do they need me? You talk a lot with your sister on phone. How much more do you need? Panipuri on streets, it’s not hygienic and if you want to shop go to malls why on streets?

Days went by. I was not happy. All the money that I earned seemed to have no value. I did not do anything that I really wanted to do and people kept suggesting me to invest more and more.

Why do I need to be so insecure about my future? Why do I need two houses? It is only causing the property rate to go higher. Why am I so worried about my children’s future? Do I think that they will be worthless and won’t be able to survive if I don’t save so much for them? Why am I saving so much money if I am not utilizing it for the things I want to do? Why spending the money and instead not investing it seems a waste of money? Since when is that money started to come between me and my best friends? I was not happy at all.

The first thing I did was to stop listening to everyone but myself. I stopped thinking about my “secure future”. I sent an invite for all of my son’s friends for a “fun time” at an amusement park on first Sunday next month and planned to take chocolate muffins with us which I’ll learn to bake till then. I called my sister and we planned to go street shopping the next weekend after we have cooked meals for our families. The coming winter I booked tickets for my family and my parents for Tirupati.  I called my friends and asked them to plan their vacations as I would be visiting them soon. I still need to plan a trip on an island with my husband, joining swimming classes with my son, take my parents to Rishikesh, learn to knit, take my team to a pizza party, Visit my ex-colleague’s home to see her new born girl and take lots of toys with me and so much more. I am sooooo happy. I finally invested the money for my happiness.