Find the balance between living today and planning to live into the future
The way we think about the future reflects the stories that decode our past and the present. Growing up in the 1960s and ’70s in India makes our generation risk averse and overprotective about the future. In a supply and opportunity starved post-Nehruvian world, we learnt from our parents that there was no space for errors with your job or risk with your money, and unless you lived frugally and planned hard for the future, your sons would not join the Indian Institute of Technology (IIT) and your daughters would not have the wedding that your social standing mandated. We stepped into a different world where opportunity blossomed post 1991—of course, the right convent accent and education were quick facilitators—and the overall less slowly gave way to overall more. And then those born after the millennium change have a totally different world view. Risk appetites are higher for trying out new professions, the we-own-the-world swagger obvious as is a disdain for the future and for those who plan for it. This disdain, rooted in the current stories of plenty but a future discourse of climate change that predict a dystopian near future and the bad stories around their married peers, make them reluctant to think about future finances or marriages. In the not so long run we are all dead, they seem to say, why then think about the future or plan for it?