Yesterday evening, I watched the movie 3 BHK on Amazon Prime. It’s a beautiful, yet at times painful, story about Vasudevan and his wife Shanthi and their relentless journey to buy a home. Their dedication was inspiring, but it also highlighted a common financial blind spot: focusing so hard on one dream that you forget to prepare for everything else.
The movie reminded me that a home is just one asset.
True financial security requires a complete plan.
Vasudevan’s single-minded focus on the “3 BHK” felt familiar, and it underscored three crucial things that often get missed:
- The Emergency Fund: Life doesn’t stop for your home loan payments. Without an emergency fund, a sudden job loss or an unexpected expense can derail years of careful saving.
- Health Insurance: A major illness can wipe out a family’s savings in an instant. Health insurance isn’t a luxury; it’s a critical shield that protects your financial future.
- Future Goals: Children’s education and other life milestones require dedicated, long-term investments. They can’t be put on hold while you chase one single goal.
Vasudevan’s story is a powerful reminder that the dream of a home is just one part of a bigger picture. Financial wellness isn’t about owning a single prized possession; it’s about building a robust plan that covers all aspects of your life.
My takeaway from 3 BHK: Don’t just build a 3 BHK house—build a 360° financial plan.
