Where Did All My Money Go? A Story Many of Us Know

One evening, I got a message from my old friend Sameer. We hadn’t spoken in years. 

Bhai, I need your help. I think I’ve messed up my investments.

We jumped on a quick video call. Sameer looked tired and stressed. I asked him what happened.

He said,
I started investing two years ago. There was this mutual fund that gave 28% return in one year. I thought, perfect I’ll double my money in no time. But now… I’m hardly seeing any profit. I don’t know what went wrong.

I smiled. I’ve heard this story so many times. Sameer wasn’t alone.

Many people make this same mistake. They see high past returns and think the future will be the same. But markets don’t work like that. What went up last year might not go up again this year. Just like the weather, it keeps changing.

I asked him, Why did you choose that fund?

He said,
Because it was on the top returns list. I didn’t know what else to look at.

Then he added,
Also, I put some money in crypto. My cousin said it’ll double in 6 months. I thought I should try.

I asked, What goal did you have for this investment?

He paused.

No goal. Just wanted to grow my money.

There it was.

This is another common mistake. Most people invest without a plan. No goal. No timeline. No idea how much they really need or when they’ll need it. It’s like booking a train ticket without knowing the destination.

When money doesn’t have a purpose, it often disappears.

Sameer then told me he also bought two insurance plans from his bank.

The banker told me it’s an investment plus life insurance. So I thought why not?

I asked him if he knew how much return he was getting or how much actual insurance cover he had.

He didn’t.

That’s when I explained that mixing insurance and investment usually doesn’t work well. It’s better to take pure term insurance and invest the rest separately. It’s cheaper, safer, and gives better results.

Then he told me something that really hit hard.

Last year, my father had a medical emergency. I had to withdraw money from my investments. I lost money in the process.

I asked, Did you have an emergency fund?

He shook his head.

That’s another problem. Most people don’t keep money aside for emergencies. So when something unexpected happens, they break their investments, take loans, or go into debt. It ruins everything they were trying to build.

After that call, Sameer and I started fresh.

We first created an emergency fund. Then we got him proper term insurance. After that, we looked at his goals short-term, medium-term, and long-term. Based on that, we started a few simple SIPs in mutual funds. No chasing high returns, no guessing, no stress.

A few weeks later, he sent me a message:

Thank you, bhai. I finally feel like I understand what I’m doing. I’m no longer just throwing money around. I actually feel in control.

Honestly, stories like Sameer’s are very common. I meet people every week who’ve made similar mistakes trusting wrong advice, copying others, mixing products, or just investing without knowing why.

But the good news is it's never too late to fix it.

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If you’ve made some of these mistakes or want to avoid them before they cost you, let’s talk.

✅ Message me directly on WhatsApp: Click Here to Chat
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🎯 Let’s build a financial plan that actually works for you clear, simple, and stress-free.

Don’t wait for a financial shock to get serious about your money.

Take control now.

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