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When a young engineer moves into a new home with his wife and children, he is intrigued by the respect and admiration the neighbours show for the retired doctor living next door. But despite the overwhelming love, the old man seems to be neglected and all alone. Why does he live alone? Why does he take the dramatic evening walk to the park? Why does he sit only at one particular bench?

Personal finance is a subject that touches every aspect of our lives, yet it is one that many of us struggle to understand and manage effectively. It is a complex and ever-evolving field that requires constant attention and adaptation. The principles of personal finance are not just about...