A money-making proposition

Or... How to have your first chat with a wealth manager. Especially if you have no wealth at the moment

-  Karishma Kuenzang

In an early episode of The Dropout, Amanda Seyfried, playing a teen Elizabeth Holmes, is asked by a neighbour what she wants to be when she grows up. Holmes has no career path, no strategy. "I want to be a billionaire," she says blankly. Holmes is now in jail, serving an 11-year sentence.

Who can relate? Even the clueless among us know one thing: That money, lots of it, has to roll in. The trick is to manage it just as it starts to trickle in.

Aniruddha Bose, chief business officer at FinEdge, a Gurugram-based financial planning firm, offers tips on your first conversation about money.

● Don't be shy.

Start planning even before the first bonuses come in. A good expert will work with all kinds of clients, even those drawing their first salaries. An early start sets up a serious attitude to saving, and puts money to work so it grows faster.

● Shop around.