In this enlightening discussion, M Pattabhiraman, an Associate Professor of Physics at IIT Madras and founder of Free Fincal, teams up with Ravi Saraogi, Co-founder of Samasthiti Advisors, to delve deep into retirement planning. They emphasize the critical need to start saving early, exploring concepts like the FIRE movement. The duo provides practical strategies for balanced asset allocation, safe withdrawal rates, and investment approaches tailored for retirees. They also highlight the cultural challenges in India regarding future savings versus current expenses.