The year was 1985. A joint family of 10 people (two brothers, their wives and kids along with their parents) was living happily with limited means. It was a period of closed economy, limited access to global products and aspirations were limited. It was a period of joint family with lower expenses and higher savings. The common point is money looses its value over a period of time. A rupee value tomorrow will be lower than rupee value today, courtesy monster called inflation. So inflation becomes the single most important factor to plan for retirement. No government Support: