I knew him for a while.  He landed in Canada 28 years back without a penny.  He got a job in the kitchen of a restaurant immediately and earned minimum wage.  Any extra money he saved, which turned out to be a lot as he was sharing an apartment with others like him and ate at the restaurant where he worked, he would put towards a <em>Seettu</em>. 

I still remember my first job I got after graduation.  The job was great.  I started my job with great optimism about a new chapter in my life.  I read a lot of books on careers, including how to schmooze and climb the corporate ladder.  My parents were relieved that their son no longer had to depend on them financially.

Sometimes you look like a genius when you do simple things.  My neighbour Ravi investing for his son's post-secondary education is one such example.  Ravi started an education investment account for his son when he was born and managed to amass $40,000 by the time his son turned 6.