As I read through the pages and pages of questions from viewers sent by my producer for the weekly show that Mint does with NDTV, one distinct pattern emerges. Most people have the makings of a financial plan, but are simply unsure of how to proceed. Going to the next step means knowing that so far is so good. “Am I doing OK?" is possibly the question most often asked at the end of viewers’ mail. Each person is different and each piece of advice I give is customized to a particular situation. But are there some basic running rules that we can still distil out that are not purely theoretical and take into account the fact that we live very complicated lives with little time for nuanced attention to different parts of our lives?