True that asset building should be of paramount importance for everybody and nothing is more exhilarating than watching ur money grow. But can you substitute joys of giving even a simple gift to someone you love by putting aside that much in a bank account to be used later ? Is life all about money where the joys of receiving teddy bear or some nice fancy frock by your darling daughter has no meaning ? To see the laughter on the face of your daughter even for a second you can die thousand deaths. Who is saying that you spend a fortune on buying gifts? The value of gift has nothing to do with the amount of money spent on it. It is the effort and thought which goes into selecting a gift , is all that matters. Buy MF, shares et al but do not forget to gift yr. wife something on valentine day. It shows ur. love for her which cannot be substituted by anything in life.