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"Failing to plan is planning to fail" is rightly said. Hence it is vital to make Wealth planning. Wealth planning is often thought only in mid-thirties / forties. But right time for wealth planning is to start at the earliest. Once we earn our first salary, we should start to plan for our savings for other lifetime goals like Higher Education, Tours, Marriage, Children Education, Retirement etc. If we plan to save using the formula, "Income- Expenses= Savings", it will not work. Hence it should be ,"Income-Savings= Expenses". Financial/Wealth Planning enlighten us how to plan savings to attain our goals which can be easily attained by periodical disciplined investments. Though insurance forms vital and foremost part in Wealth Planning, it doesn't enhance wealth creation. "Indemnifying loss during the absence of breadwinner" is the basic concept of insurance. "Insurance for insurance" should be our motto and not "Insurance for wealth creation". Term Insurance satisfies the criteria of indemnifying loss only during absence and best suited for wealth creation. Lucrative advertisements for procuring goods with zero emi , free credit cards make the customers to fall in the debt trap which will be a vital reason for wealth erosion. Not only wealth erosion, but pressure due to loan burden makes the life more miserable and pathetic. One of the prime avenue for wealth creation is investment in shares. Investment in shares require constant follow-up and knowledge. Hence investment in shares require ample time to be spared without which wealth creation would be difficult in the same. Mutual Funds enables us to participate in the share/bond market even without having expertise in the same. Mutual Funds are professionally managed by fund managers who have expertise in their field . Mutual Funds have the advantage of diversification as the Fund Managers pool the money collected from the investors and in-turn invest the same as per scheme objective (which is selected by investors during wealth planning and guided by us and pass on the returns to the investors.