Be the person who uses the bank's plastic to build a life of luxury on a budget. Treat your Credit Card like a loaded weapon—handle it with care, keep the safety on (Auto-Pay), and use it to hunt for big game (Business Class seats).

Ah, the Great Indian Real Estate Dream. It is hardwired into our DNA. We believe that unless we own a piece of concrete and brick, we haven't "settled." We love land because we can touch it, stand on it, and point at it while telling our relatives, "That is mine."

Today, we are running the NRI Remittance Race. We are pitting the big players against each other to find out: What are the best apps to send money to India? Who gives you the best rate, and who is just taking you for a ride?

Is your locker full of gold actually making you rich, or is it just sitting there collecting dust and locker rent? Let’s find out.