this was written in 2007-8 and appeared in an abridged form in moneycontrol ….   Hello, Congrats on the nice job you have got! With a degree from an Ivy League school this was a nice job to land. I know you have majored in Finance and are hoping to make money by the tons. […]

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Last week I was speaking to one of the bright kids I work with. For practical purposes let us call him George Orwell. This kid (25 years old)  was born in 1984 and has just started on a nice salary. He spends well but can put away a nice amount on a regular basis, but […]

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