I started full time work when I was 19 in the call center. Doing my graduation (full-time) course in the morning & was working in the Night. Although I was Hired for 12K (in 2001) there was never a month that I took less than 18K because of incentives & shift allowance.

So can imagine the kind of arrogance that comes  along when a 20 year kid makes more money than his lecturers, got his cards with his name printed on his cards & cheque books etc. Cutting the long story short after about a 8 months, I start investing for the first time not because I was serious about my finances but JUST TO SAVE TAXES.