To learn about how chain of events can bring a large gap in the spending habits of the generation we must be aware of risk and luck factor, Last month, the RBI released its estimate of household financial savings. For lakhs of households in the country, the Covid-19 pandemic has led to a decline in financial assets like bank deposits, pension money, life insurance funds and currency holdings. While the RBI estimated an increase in debt of around 20 crore households, which contribute around 60% of gross savings in the economy, financial savings showed a decline of over 45% from June to December 2020. There were two types of people in an economy, those who were able to save, and those who struggled to make ends meet