The final year of college is probably the most overwhelming period of one’s school life that no one stops to think about their future investment plan. The last semester, especially, is a mixture of excitement and trepidation. You have officially cleared the 8-4-4 system, and you are ready to step into the working class officially. In your mind, you have your first few paychecks budgeted for all the stuff you have desired but never got the money to buy. But wait; there are other important things than those flashy things you have always wanted.