There’s an old saying in Hindi: “Poot kapoot toh ka dhan sanchay, poot sapoot toh ka dhan sanchay.” If your children are worthy, they’ll stand on their own. If not, no amount of inherited wealth will save them. And yet, many of us willingly trade their present happiness for a hypothetical, distant future—hoarding wealth, deferring joy, and postponing dreams, all in the hope that it will somehow secure the lives of the next generation.

But life doesn’t follow your savings plan. It plays by its own rules.

Take the recent Ahmedabad–London flight tragedy—a horrific crash where every passenger perished except a couple. A woman missed the flight by ten minutes. Another survived in what is now being called the “miracle seat”—11A; he walked unscathed! They lived not because of careful planning or disciplined investment, but because fate rolled the dice, and it happened to land in their favour. Everyone else died, including several people on the ground who had nothing to do with the flight.

This wasn’t just a tragedy; it was a wake-up call—a brutal reminder of........

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