Money does not fall from the sky.

An individual living till 75-85 years is an ordinary event today, with a decent measure of money related assets being spent on medicinal services in the last piece of their life.

Beyond 70-80 years of age, leaving a legacy for grandchildren, distributing assets among children and remaining financially independent are critical goals.

As you hit 90s, health costs surge unless you remain extremely fit.

Looking after your job, family duties and social commitments are not easy.

Mere thumb rules, shortcuts, broad-based plans and general advice cannot do the trick.