THIS BOOK IS NOW AVAILABLE IN HINDI AS ” सही निर्णय कैसे लें ” Making choices and decisions are a part of life. Simply put, the way life unfolds, with its twists and turns, starts and stops, requires us to make choices and decisions every step of the way. So, I find it fascinating, and somewhat baffling those by the time young people have reached adulthood many have not mastered the art of decision-making. In fact, many people dread change because this means they will have to contemplate something different from what they’re used to and maybe even be required to make change. Why is this so? Well, there may be many reasons, many factors that determine why some people can just dive into life and do what is required with enthusiasm and excitement while others are paralyzed at the thought of having to step up to anything that might require taking action. A person’s temperament, their disposition or nature may contribute to the way they view life. Some people are fearless, enjoying risk and adventure, while others are fearful of making change and making mistakes, preferring to stay close to what is familiar and not wandering too far and that includes their choices and decisions. Some people have been burned in the past by poor choices and decisions and are afraid to, once again, risk making a bad choice or decision. So they may do nothing hoping the change will work itself out, or go away, or that somebody else will take care of what needs to be done. The bottom line is that decision-making is something we all need to learn how to do. This very essential life skill should be taught from very early on since decision-making takes years of practice to master. Learning how to make good choices and wise decisions depends upon several factors: a person’s developmental stage/age, having a general idea of right and wrong and I mean this in the broadest moral sense since individual’s may acquire their own idea of what is right and wrong for them personally as they mature, understanding what the decision-making process entails, and PRACTICE! In this book, I try to discuss the detail process of decision making for grow in financial as well as in personal life.