A casual conversation with a 20 something new to the employment world turned a wee bit serious because of her misplaced beliefs. I was pleased to hear her plans for her life, which went all the way till she settled into retirement. Everything that she said had a tinge of materialism – the car that she wanted to buy in a year, a house by the time she got married, a vacation home in Goa, foreign vacations every year and some money for her retirement. She had ticked a lot of boxes that a financial planner would have wanted.