18: Get the money cocktail right early on

Millennials are perceived to be careless about money. But Shreyansh Patel, a 25-year-old bartender in an upscale Mumbai restaurant, is different. He not only saves and invests now, he went for a financial plan when he was just 21 years old. He feels his journey with Nisreen Mamaji, a certified financial planner and founder of Moneyworks Financial Advisors, has put him in control of his financial goals such as travelling the world, being financially secure by the time he turns 35 and retiring when he is 55. All he needs to do is stick to the plan and be disciplined about investing.