The year 2016 will bring in a lot of change for Omank as he gets ready to tie the knot. Looking at his finances, Omank seems to be doing very well. He has even thought about his retirement, even though the provisioning for it is still hazy and hopefully it will take a more realistic shape in coming years. To begin with, Omank’s insurance requirements are taken care of, which is very impressive. Also, liquidity or contingency provisions are in place and well taken care of. His expenses, too, are very much under the thumb. In fact, for a young person, he is showing exemplary restraint in his spending habits.