Pune-based 34-year old Girish Sonar is in a position to achieve all his financial goals if he starts acting on them right away. Along with wife Prajakata who is expecting a second child soon, son Om and mother Sunanda, the family resides in their own home in Pune. Girish works as an assistant software consultant and the family lives very much within its means, with the propensity to save a significant portion of what Girish earns and his mother receives as pension. Like several Indian families, real estate forms a significant part of their assets with two plots, a house that is let out in their home town and the house where they reside. However, what can harm his and the family's future is the fact that he has plenty of idle cash in his bank, which is not being meaningfully deployed. They have also borrowed more money than they need to. For instance, they have investments in gold worth Rs. 7.5 Lakh, but nearly half of it is mortgaged. He also has a couple of soft loans from relatives. He has an outstanding home loan of Rs. 24 lakh, a gold loan of Rs. 2.6 Lakh and a soft loan of Rs. 3.3 Lakh. Servicing loans can be expensive, especially when he sits on a bank balance of Rs. 20 Lakh, which could be better deployed to reduce his liabilities.