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@article{169204,
        author = {Samarth Ratan Garg},
        title = {Building Wealth: An In-Depth Exploration of Investment, and retirement Strategies in India.},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {11},
        number = {6},
        pages = {3900-3913},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=169204},
        abstract = {With the growing population popularity of Personal Finance Management has piqued the curiosity not just for the people in financial service sector but for the people from all the sector whether they are working professionals or self-employed. This study explores various facets of Personal Finance and Financial Management among all the classes but especially among the Middleclass people of India. This research examines the intricacies of financial literacy, investing behaviour, asset allocation, financial planning, savings, budgeting, debt and plan for retirement.  This article examines the concepts of financial management, the necessity of financial management, how an individual can manage and plan their financial journey for their better future. This research aims to raise people awareness towards planning and managing their finances as well to educate the readers for their betterment today and in the future which indirectly contributes to the growth of the nation.},
        keywords = {Personal Finance, Savings, Debt, Investment, Middle Class, Financial Literacy, Retirement},
        month = {January},
        }