On Let’s Talk Money, we’re going back to the past to bring back some of our favourite bits of the podcast… just in case you missed it.  Today, Monika unravels the crucial distinction between saving and investing, emphasising why they should never be used interchangeably. From understanding the basics of savings to exploring the potential of investments across various asset classes, she delves into the transformative power of transitioning from savers to intelligent investors. Also, she answers your pressing questions about how much is enough for a retirement kitty if you have kids, how to get out of a crippling debt cycle, and whether you should opt for an education loan or let your parents cover your expenses. If you’d like to go back to the original featured, click the links below: (00:46 - 05:18) Evolving Towards Smart Investments (05:25 - 10:57) Calculating My Retirement Corpus With Kids  (11:00 - 16:14) Getting Out Of A Debt Trap (16:16 - 17:30) Opt for an Educational Loan or Let Parents Pay? If you have financial questions that you’d like answers for, please email us at [email protected]  Retirement Calculator https://investor.sebi.gov.in/calculators/Visual_Gold_Planner.html https://investor.sebi.gov.in/calculators/Assets_Allocations.html William Sharpe’s Article https://www.barrons.com/articles/william-sharpe-how-to-secure-lasting-retirement-income-51573837934 Monika’s columns dealing with being in debt and taking loans https://www.monikahalan.com/new-rules-are-needed-to-stop-predatory-lending/ https://www.monikahalan.com/opinion-why-you-should-keep-paying-emis/ https://www.monikahalan.com/five-years-into-the-base-rate-system-it-seems-that-even-the-move-to-a-base-rate-system-has-not-worked-in-rate-transmission/ Monika’s book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika’s book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Kartik Kulkarni Artwork: Alika Gupta